Suppose you have a $10,000 loan @ 5% for 10 years with a $106 dollar monthly payment; you are also offered a 3% loan with a $100 monthly payment for 10 years. which is better. explain. what factors should you consider when when comparing two loans? suppose the 3% loan at $100 monthly payments can be paid in 115 monthly payments? would this loan be better than the original loan at 5% at 10 years? explain.