Steve graduated from college with 22,500 and student loans and is looking to refinance. The current interest rate is 5% and he is debating between a 10 year loan or 20 year loan loan a 10 years results in a monthly payment of $238.65 and a total payback value of $28,638 loan B 20 years results In a monthly payment of $148.49 and a total payback value of $35,637.60 which loan requires most interest to be paid in by how much