Jones borrowed $8,000 to be repaid in 25 equal payments at the end of each year. At the time of the loan, the annual effective rate of interest was 4%, but immediately after the fifth payment, the annual effective rate of interest changed to 5% for the remainder of the loan. Jones is allowed to continue paying off the loan with the same annual payment as long as he immediately makes a payment of less than $100 to reduce the principal such that the loan will end on an integral number of years with no balloon or fractional payment. How much additional interest will Jones pay due to the increase in the rate of interest