Barbara got a flat tire and does not have a spare. she needs her car for work, so she goes to a business that offers payday loans in order to get the money to buy a new tire. she borrows $75 and plans to pay it back when she gets paid in 8 days. barbara is charged a fee of $15 and the term on her loan is 8 days. approximately what is the annual percentage rate on her loan? a. 228% b. 487% c. 913% d. 973%