A thesis statement is a statement of fact in a text that is supported by evidence. A thesis statement should be strong enough and easily debatable by others. The statement that forms the best thesis statement for this essay is;
This thesis statement is strong because it specifically states the main point or fact that the author wishes to make. Next, it offers a recommendation.
An opponent can debate the fact that subprime loans do not trap low-income people.
Therefore, sentence A is correct.
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