Wall Street Journal, Tuesday September 30, 2003: Personal Journal, Section D: Read article, A Car Loan That Outlasts Your Car. The article mentioned that a $20,000 loan with an 8% interest rate over 8 years instead of a 5% loan over 5 years will slash payments by approximately $100, but will add $4,500 to interest cost. Problem: Set up amortization schedules for the two loans mentioned in the article Calculate the exact difference in monthly payments. Clearly highlight the difference in interest cost. Comment on the article using your knowledge of time value of money