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Just after 135 payments of the 180 payments are made on a loan with a balance of $142318.57, the loan is refinanced from 7.5% compounded

Just after 135 payments of the 180 payments are made on a loan with a balance of $142318.57, the loan is refinanced from 7.5% compounded monthly to now 6% compounded monthly reducing the monthly payment from $1384.87 to $1268.75, if money is worth 5% compounded monthly, what is the present value of the savings in interest at the time of refinancing

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