Please answer in an excel spreadsheet :)

Both Sue and Joe are students at UTC and are your friends. Your friend Sue has $20,000 of credit card debt (25% interest charge compounded monthly). Sue plans on paying $400 per month over the next 10 years on this credit card. Your other friend Joe has $40,000 of student loan debt (15% interest charge compounded monthly). Joe plans on paying $645.34 each month for the next 10 years. Which person, Sue or Joe, do you feel will pay the most interest expense and why? Which person (Joe or Sue) has the worst debt situation