The office manager for Salk Family Practice wants to explore a longer-term loan to upgrade its appointment, medical record, and billing system. The local bank will provide a five-year, $100,000 loan for 3.5%. Calculate the monthly debt payment and create a 60-month amortization schedule. What are the total loan payments and total interest expense? How much more will the practice pay in interest expenses compared to the three-year loan in Problem 213? Why should the practice owner consider the longer loan given the higher interest expense