Nora took out $$20,000$ in private student loans at $16$ percent APR. Her cousin Ava took out the

same amount of student loans, but she got a federal student loan with an APR of $4\mathrm{.}66$ percent. What

is the difference in the amounts Nora and Ava will pay for their student loans $($over $10$ years$),$

assuming the interest starts accumulating on the same day?