What Is the Refund Fraction on a 48-Month Loan Paid $\frac { 68 } { 147 }$

What is the refund fraction on a 48-month loan paid off in 32 months?

A) $\frac { 68 } { 147 }$
B) $\frac { 17 } { 147 }$
C) $\frac { 32 } { 48 }$
D) $\frac { 16 } { 48 }$