Can u paste the questions fully so I can answer?
First of all, it is important to define adjective phrase in order to find our answer. It is a group of words that describe a noun or a pronoun. So option A (curly-haired Bob played a game because the "curly- haired" is an adjective phrase that modifies the noun Bob. The other possibilities do not show a group of words with adjectival reference that might define a noun or pronoun.
Answer: More women go to college than men, but women have more difficulty paying back their student loans.
Explanation: Its the only answer that shows that women are unable to afford something.