Paris Hilston took out four different loans today. All of the loans mature exactly 5 years from now, but they can be repaid without penalty at any time before maturity. The annual interest rates and outstanding balances for all of the loans are summarized in the table below.

Loan	Annual interest rate	Outstanding balance
1	7.20%	$74,000
2	14.30%	$15,000
3	10.40%	$58,000
4	9.80%	$63,000

Paris old friend, Kim Kerdashian, has offered to lend Paris $210,000 at an annual rate of 9.50% so that she can repay her loans.

Paris would have to accept the full $210,000 if she chooses to take the offer.

Should Paris accept Kims offer or should she keep the loans as they are?