Based on the information below, which is the better loan for a borrower? 15-year or 30-year mortgage? Will your answer be different if the borrower has large credit card balances at a 12% interest rate? Explain and show your calculations if necessary. Loan A: Loan amount: $250,000 at 6% annual rate with monthly amortization, maturity: 15 years Loan B: Loan amount: $250,000 at 6% annual rate with monthly amortization, maturity: 30 years