Laura Kennedy needs to borrow $5097 to pay for NBA season tickets for her family. She can borrow the amount from a finance company (at 5.9% add-on interest for 3 years) or from the credit union (36 monthly payments of $165.04 each). Laura takes the credit union loan. At the time of her thirtieth payment she pays it off. If the credit union uses the rule of 78 for computing unearned interest, how much will she save by paying off the loan with the thirtieth payment? The amount that she will save by paying in full now is $. (Round to the nearest cent as needed.)