please answer ASAP, thank you

Many Canadian universities are increasing their tuition and fees. You estimate that you will need about $100,000 to send your child to a university in 20 years. You have about $45,000 now. If you can earn 4.2% compounded monthly, will you make it? You will not make it because the future value of $45,000 is less than $100,000. You will make it because the future value of $45,000 is more than $100,000. Not sure because the future value of $45,000 is more than $100,000, but the present value of $100,000 is more than $45,000. Not sure because the future value of $45,000 is less than $100,000, but the present value of $100,000 is less than $45,000 None of the above