Question:medium

Malti Ahuja is making a sincere effort to pay off her _______.

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To remember the spelling of \emph{creditor}, think of “credit” + “or” — the person who gives credit is a creditor.
Updated On: Jul 15, 2026
  • crediter
  • creditar
  • credittor
  • creditor
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The Correct Option is D

Approach Solution - 1

Step 1: Understanding the Concept:
This question tests correct spelling of a common financial and legal term. Words like this follow a standard pattern when a base word takes an agent suffix, and knowing that pattern helps you spot the wrong spellings quickly.

Step 2: Key Formula or Approach:
Break the word into its base and suffix: "credit" plus the agent suffix "-or," which is used to name a person who does or receives something (as in "debtor," "vendor," "actor"). Check each option against this base-plus-suffix pattern.

Step 3: Detailed Explanation:
"Crediter" wrongly uses "-er" instead of "-or." "Creditar" wrongly ends in "-ar," which is not an English suffix at all. "Credittor" wrongly doubles the "t," when the base word "credit" already ends in a single "t" that carries straight through before adding "-or." Only "creditor" keeps the base word intact and adds the correct "-or" suffix, matching how "debtor" and "vendor" are formed. This is also the only spelling that appears in standard dictionaries.

Step 4: Final Answer:
The correct spelling is creditor, so option D is correct.
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Approach Solution -2

Another quick check for a spelling question like this is to say each version aloud and notice whether it still sounds like the intended word, then confirm the meaning fits the sentence about Malti repaying money she owes.

  1. Crediter: Read aloud, this shifts the final syllable's sound away from the familiar "-or" ending used in this kind of word, signalling a wrong spelling.
  2. Creditar: The "-ar" ending changes the final sound noticeably from the standard word, another sign this spelling is off.
  3. Credittor: Doubling the "t" does not actually change the sound when read aloud, which is exactly why this is a sneaky, easy-to-miss misspelling rather than an obviously wrong one, but it is still not the dictionary form.
  4. Creditor: This reads naturally as the familiar word for someone owed money, matching both the expected sound and the sentence's meaning about Malti trying to pay off her debt.

Sounding out each option and matching it against the sentence's meaning, someone to whom money is owed, points to only one spelling that is both natural to say and correctly formed.

Therefore, the correct answer is creditor.

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