Milley will loan you $4,000 for 4 years if you will pay her back $4,700 in 4 years. Larry will loan you $5,000 for 5 years if you will pay him back $6,500 in 5 years. You would chose the loan from because O Milley; her interest rate of 4.11% is lower than Larry's 5.39% O Larry; his interest rate of 5.39 is lower than Milley's 6.01% Milley; her interest rate of 3.27% % is lower than Larry's 3.54% O Larry; his interest rate of 5.21% is lower than Milley's 5.32%