Nicholas wants to buy a car. They have $4,300 in trade-in value from their old car to use as a down payment. They have been approved for a 3-year loan at a 6.6% interest rate. The maximum they want to spend each month is $650 and they expect $160 per month in taxes, insurance, fees, and maintenance. What is the most they can afford to pay for their next car?

a. 25330

b. 13374.24

c. 15400.64

d. 20264