(30 points) A 22-year-old college graduate just got a job in Nashville. She is considering buying a house with a $200,000 mortgage. The APR is 4% compounded monthly for her monthly mortgage payments on a 30-year fixed-rate loan. If she can get her FICO score up to 750, the APR drops to 3.6%. a. (20 points) How much in interest cost will she save over the life of the loan, assuming she can increase her FICO score to 750? b. (10 points) If her personal interest rate is 5% per year, what is the present equivalent of the total interest savings