Toni requires a personal loan for $3,000 with monthly payments. Toni considers several loan offers with the same APR and needs to decide whether monthly payments for 1 year is better than 2 years. Why might Toni choose a shorter time period to pay off a loan?

A. Total interest paid for a 2 - year loan is more than for a 1 - year loan.
B. APR is more for a 2 - year loan than for a 1 - year loan.
C. Monthly payments will be more for a 2 - year loan than for a 1 - year loan.
D. Less interest is charged over a 2 - year period than over a 1 - year period.