it is very important that you show your work from the calculations (right down what you used as PV, i FV, n, cash flows,.....etc. in your calculation)

Matt and Jane are in the market for mortgage. Matt expects to prepay his loan in 4 years while Jane expects to hold her loan for 15 years. Ceteris paribus (everything else being the same), which of the two, Matt or Jane, is more likely to choose an ARM over an FRM? Briefly explain why.