Hillary deposited $5,000 with a bank and borrowed $5,000 from the bank to make up the $10,000 minimum deposit required to buy a 6-month certificate of deposit. The certificate earned $575 at maturity in 2021, but she only received $265, which represented the $575 she earned minus $310 interest charged on the $5,000 loan. The bank gives Hillary a Form 1099-INT for 2022 showing the $575 interest she earned. The bank also gives her a statement showing that she paid $310 interest for 2022. What amount must Hillary include in her income? 

A. $0 

B. $265 

C. $310 

D. $575

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