Write the next sentence in the following story.

How to get payday loans with bad credit
Evaluate your options.
Before you decide to accept a payday loan, seriously consider the other possibilities. People with bad credit will have a hard time finding a favorable rate of interest, but payday lenders balance this risk by charging exceptionally high interest.

a). Work hard to keep your credit score high on both your payday loan and pay off your bad debt. High rates of interest mean less debt coming in your future, and it's a safe bet that going into debt will trigger more bad credit.
b). Other options to raise cash include selling possessions, finding additional income sources, and taking out a traditional loan. If you need a relatively small amount of money to pay off a bill, consider asking friends and family if you can borrow from them, rather than turning to a payday loan.
c). Paying 200% interest is usually the most favorable rate, but you can still work toward a higher rate, as long as you are aware of your credit history. Check your bank's loan statements.
d). It's possible they might charge hundreds of dollars for a good loan, but are probably doing just fine with very low interest. Figuring out which option is right for you and your prospects will help you decide if these options are best for you.. The answer should be
b).