Gabe needs to borrow $$25000$ from his bank. His bank offers the two following options.

Option A: A loan with an interest rate of $3\mathrm{.}5\%,$ compounded monthly, that he could pay back in a single payment at the end of $5$ years.

Option B: A loan at an interest rate of $7\%,$ compounded monthly, for which he could make regular monthly payments for $5$ years to pay it off.

Which option is better. Explain why this is the better choice