Noah took out $19,825 in private student loans at 16 percent APR. His cousin Ava took out the same amount of student loans, but she got a federal student loan with an APR of 4.25 percent. What is the difference in the amounts Noah and Ava will pay for their student loans (over years), assuming the interest starts accumulating on the same day.

The total amount Noah will pay for his student loan is $ . (Round to the nearest cent.)