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28. Choosing a Personal Loan. You need to borrow $4000 to pay off your credit cards and you can afford monthly payments of $150. The

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28. Choosing a Personal Loan. You need to borrow $4000 to pay off your credit cards and you can afford monthly payments of $150. The bank offers three choices: a 2-year loan at 8% APR, a 3-year loan at 9% APR, or a 4-year loan at 10% APR. Which loan best meet your needs? Explain your reasoning

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