Patrick guitman recently graduated from college with $20,000 in student loans and $5,000 in credit card debt. he usually makes minimum payments on his debt and he has been late with three payments in the last year. he wants to buy a new car but was told that his interest rate on a loan would be very high. what is the most likely reason this might be so? a. general interest rates are very lowb. his credit rating is poor because of his late paymentsc. he already has a student loan outstandingd. recent graduates are not allowed to have more than $25,000 in debt outstanding e. interest rates must be tied to the cpi