Question 19 1 pts You have an existing loan with a $150,000 remaining loan balance. 15 years remaining, 6.0% interest rate, and $1,265.79/mo, payment. You can refinance with a new loan of $150,000, 15 year term. 5.5% rate, $1.225.63/mo, payment, and loan costs of $3000. You expect to move in 7 years. Any discounting would be at the new loan rate. Savings of a few hundred dollars is deemed meaningful. Based on each identified refinance decision method, which of the following is true... O a. Payback period is approximately 75 months while the holding period is 84 months refinance O b. The non-discounted net benefit is $373 --refinance c. The discounted net benefit is S-205 - don't refinance O d. a and be O e. a, b and