Which of the following statements about short$-$term debt is$($are$)$ most correct?

Group of answer choices

Short$-$term debt generally has a lower cost than long$-$term debt has

Short$-$term debt has higher issuance costs than long$-$term debt has

Short$-$term debt has more restrictions $($restrictive covenants$)$ than long$-$term debt has

Most short term debt is obtained by issuing bonds to individuals