Question

select the entry that correctly uses mla (2021) style for in - text documentation.
the student is summarizing a point from page 139 of the following article:
ruzich, constance m., and a. j. grant. \predatory lending and the devouring of the american dream.\ the journal of american culture, vol. 32, no. 2, june 2009, pp. 137 - 45.
constance ruzich and a. j. grant claim the term \predatory lending\ suggests a metaphor that sheds light on current american attitudes toward credit and the relationships between lending institutions and borrowers (139).
constance ruzich et al. claim the term \predatory lending\ suggests a metaphor that sheds light on current american attitudes toward credit and the relationships between lending institutions and borrowers (139).

Explanation:

In MLA style, when summarizing and the authors' names are used in the text, only the page number is needed in parentheses. "Et al." is used when there are three or more authors, but here there are two authors (Ruzich and Grant), so it's incorrect to use "et al."

Answer:

The first option (Constance Ruzich and A. J. Grant claim the term "predatory lending" suggests a metaphor that sheds light on current American attitudes toward credit and the relationships between lending institutions and borrowers (139)) is correct.