Vennie has purchased a statue from an artist in Italy. The statue costs $$19750$ and the cost to safely ship the statue is $$975.$ He wants the pay off the debt in $4$ years with regular monthly payments. He has two options to finance the purchase. Finance the cost through the artist at an interest rate of $20\%,$ compounded monthly, with the incentive that the artist will pay the shipping cost. Finance the cost through the bank at an interest rate of $15\mathrm{.}7\%,$ compounded monthly.What is the total cost of the cheaper option?A$.$ $$20725\mathrm{.}00$B$.$$$28040\mathrm{.}30$C$.$ $$28847\mathrm{.}98$D$.$ $$26721\mathrm{.}15$