I need help;

7 5 points Sara Campbell has a 30-year constant payment foxed rate mortgage (FRMQ through Bank of New York (BONY) in the amount of $530,000 at an interest rate of 7.45% with monthly payments. Since originating the loan four years ago, interest rates have increased, currently being offered at 9.50% To incentivize Sara's early prepayment of the loan, BONY has decided to offer her $50,000 to prepay her loan today. What rate of returnwould this represent to her? -9.05% -745% 0% 745% 7.69% 7.96% 8.63% 9.05% 00