Mr. Qualify is applying for a $80,000 GPM loan for 20 years at an interest rate of 10 percent. Payments would be designed so as to graduate at the rate of 6.0 percent for 4 years beginning with payments in the second year. The loan constant for this GPM is 0.00807389. (Hint: use this number in the first year) What would the annual negative amortization be on the GPM for year 1? O $260.82 O 30.47 O $107.16 O $467.78 O $571.82