The correct response is:
The longer the term, the more you will pay in interest.
This statement is true because longer loan terms typically result in more interest being paid over the life of the loan, even if the monthly payments are lower. The other statements regarding interest rates, fees, and the number of payments are not generally accurate. Longer terms usually mean more payments, not fewer, and while interest rates can vary, they do not necessarily increase simply because of a longer term. Similarly, the total fees associated with a loan are not solely dependent on the term length.