Lucy Garcia took out a loan for $40,000 at 10 percent interest for 10 years. Her monthly payments are $528 60. She made payments for one year and has paid the principal down to $37.546.36. She now wants to repay the loan early. The loan specifies a $300 prepayment penalty if she pays the loan now. How much will she save by paying the loan early (round final answer to nearest dollar)