Maria is taking out an amortized loan for $92,000 to open a small business and is deciding between the offers from two lenders. She wants to know which one would be the better deal over the life of the small business loan, and by how much. Answer each part. Do not round intermediate computations, and round your answers to the nearest cent.

a. A bank has offered her a 9-year small business loan at an annual interest rate of 8.6%. Find the monthly payment.

b. Her credit union has offered her a 10-year small business loan at an annual interest rate of 8.6%. Find the monthly payment.

c. Suppose Maria pays the monthly payment each month for the full term. Which lender's small business loan would have the lowest total amount to pay off, and by how much?