Prof. Outback decides to purchase a brand-new 2007 Jeep Liberty Limited 4WD with heated premium leather seats, sunroof, and satellite radio for $28,800. After paying tax and license, Prof. Outback has $4,000 as a down payment. Jeep offers Prof the choice of 3.9% APR financing for 60 months or a $3,000 rebate. Prof. Outback can receive 6.25% APR financing for 60 months through E-Loan if the rebate option is selected.Which option would result in the lower monthly payment? At what APR along without the rebate would the Prof. be indifferent between the two options?