Cynthia has the choice of taking out a 25-year loan for $155,000 at 4.4%
interest, compounded monthly, or the same loan at 20 years for a higher
monthly payment. if she would pay a total of $100,831 in interest on the 25-
year loan, how much in total would she pay in interest on the 20-year loan?

D. Less than $100,831

Step-by-step explanation:

There is an equation for calculating monthly payment:

x = p • r • (1+r)^n / (1+r)^n - 1

It may seem a bit complicated, but let's explain it step by step:

- p is the amount of loan, in this case $155,000

- r is monthly interest rate, in this case (4.4/12) / 100, which is 0.00367

- n is the number of months for paying back, or in this case 20 • 12 = 240

Now that we know all the values, all that's left is to plug them in and solve it on the calculator:

x = 155,000 • 0.00367 • (1.00367^240) / (1.00367^240) - 1

x = $972.27

So, the monthly payment is around $972.3. We now multiply it by the number of months to get total payment:

$973.3 • 240 = $233,352

So, the total amount, loan plus interest, is 233,352 dollars.

To only find amount of interest, we simply subtract loan from total amount:

$233,352 - $155,000 = $78,352

i believe that the answer is

b. y-1=-2(x-4)

hope this !