Which question would be best to ask before reading the rest of this passage?

What excuses are made?

Why is the interest rate so important?

Why is it better to pay off debt now rather than later?

What happens if you do not reduce your debt now?

"Why is it better to pay off debt now rather than later?" is the question among the following choices given in the question that would be best to ask before reading the rest of this passage. I think you forgot to include the passage along with the question. The correct option among all the options given is the third option.