Read the following conversation and answer the question.

W: I thought there was still time for me to apply for a student loan. But someone just told me that the closing date was last Tuesday.

M: Are you sure? I thought we still had another month. Wait, I've got a brochure right here. Last Tuesday was the opening date.

Question: What does the man imply? 

- They have wait a month to apply for a student loan.

- They can find the application forms in the brochure.

- They are not late for a loan application.


They are not late for a loan application.