The option that best describes Madame Loisel's problem is:
Madame Loisel loses the necklace she borrowed and needs to lie to have time to find it.
In the story "The Necklace" by Guy de Maupassant, Madame Loisel borrows a necklace for a fancy event but loses it. To avoid facing her friend and the repercussions of losing it, she and her husband decide to replace it without telling her friend the truth about the loss. This leads to years of hardship for them as they work to pay off the debt incurred to buy a replacement.