New Jersey's Anti-Predatory Lending Act protects borrowers by:

A is incorrect because the law doesn't eliminate all closing costs, which are legitimate expenses in real estate transactions. It only limits excessive or predatory fees that could take advantage of borrowers.

C is incorrect because the law doesn't guarantee low interest rates, which are determined by market conditions and borrower qualifications. It only prohibits excessively high rates that constitute predatory lending.

D is incorrect because while the law provides borrower protections, it doesn't provide free legal services. Borrowers must still seek their own legal counsel when needed.