Which of the following modifications to the list of assets and liabilities below would result in a negative net worth? House valued at $90,000. Mortgage owed $78,000. Car valued at $11,000. Car loan of $5,000. Student loan of $13,700. Stocks valued at $2,500. Savings of $3,000. a. Net worth is already negative. b. House value decreasing to $83,000. c. Borrowing $10,000 more in student loans. d. Selling off all owned stocks.