Suppose you have obtained a 30-year home mortgage in the amount of $271,000 with an APR of 3.25%, compounded monthly. By finding the required monthly mortgage payment and also the monthly payment that you would need to make in order to pay off the loan in 20 years, determine the amount you would save in interest charges by paying off the loan in 20 years.

$53,837

$-10,199

$69,186

$55,683

None of the above.