Read the following excerpt from a US court opinion:
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did make minimal effort to find jobs during the illness and in the period soon after her death. 42 . In re Alderete, 412 F.3d 1200, 1206 (10th Cir.2005). 43 . At trial, the testimony centered almost exclusively on the "ICRP” rather than the "IBR.” However, based upon the information contained in the affidavit contained in Exhibit AA, it appears as though the program that was actually being discussed was the IBR, based upon ECMC’s counsel's assertions that the payments would be limited to 15% of Debtor’s income that exceeded 150% of the federal poverty line. In any event, Debtor did not indicate a willingness to enter into either of these programs, and his reasons for refusing to do so would apply equally under either program. 44 . Cf. In re Woody, 494 F.3d 939, 954 (10th Cir.2007)
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What is the most suitable continuation to the opinion? Your options are:
A. holding that where parties to an oral loan agreed that the loan would be repaid on demand the statute of limitations did not begin to run until the date plaintiff demanded repayment of the loan
B. holding admittedly in a heal loan context that congress did not intend to allow a debtor who spent decades not making loan payments even after working full time for several years to receive a discharge because his health begins to fail as he approaches retirement age
C. holding that consideration for guaranty of loan previously made was that guarantors friend the bank manager who issued the loan would not lose his job for making a bad loan
D. holding that debtor did not satisfy the third prong because she did not seek out loan consolidation options even though she made several payments on her student loan debt
E. holding that fraudulent loan transaction exposed financial institutions to risk of loss even though loan was secured
Reply with [A, B, C, D, E] only.