A woman has an outstanding balance of 180,000 on a loan at a nominal interest rate of 5.5% convertible monthly. She has 20 years of monthly payments remaining on her loan, due at the end of each month. She has the opportunity to re-finance at a nominal rate of 4.5% convertible monthly. However, her term will increase to 30 years of monthly payments remaining, and she will have to pay a $3,000 fee to convert. What will her total savings or cost be if she re-finances?