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Suppose now that because of your credit score, you are unable to qualify for the 5.1% interest rate. Instead you can take out a loan

Suppose now that because of your credit score, you are unable to qualify for the 5.1% interest rate. Instead you can take out a loan from the bank at the market rate. What is the nominal amount that you would pay with the bank loan? What is the present discounted value of those stream of payments?

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