Context: The last semester I was enrolled in ( Fall of 2007 ) my father paid my tuition in advance , again to keep my classes while the Financial Aid department took their sweet time putting my loan through , which I suspect got lost just like my current loan . The woman working at the Bursar that time told my father that the loan would still be processed and that he would receive a refund check in the mail for the amount he paid on his credit card . The interest rates on credit cards , as you must know , are much higher than that of a Federal Stafford loan .

Question: Why did they take out a loan ?
Options:
0. Their father paid their tuition in advance
1. They needed help paying for their college
2. They paid for college with a credit card
3. None of the above choices .
Answer: 1