loan is a credit card balance, where the consumer is free to choose the monthly payments and the length of time to pay off the balance. The second type of loan is a mortgage, which is structured around a set time period and set payments, but which a borrower can choose to pay off early.\ E. Emerson takes out a 30-year mortgage for $200,000 with a 3.48% APR.\ (For all parts of this question, round up to the cent.)\ 13. After 20 years, how much has Emerson paid in total?\ $\ What is the remaining balance at this point?\ If they were able to pay off balance at this time, how much would they have paid in total to the lender?