While negotiating the details of a mortgage loan for $250,000, Samantha Singh realizes she can afford larger monthly payments than those required to fully amortize the loan over 25 years. The loan's contract rate is 4.25% per annum, compounded semi-annually (j2 = 4.25%), with monthly payments rounded up to the next higher dollar. How much less will Samantha's outstanding balance be at the end of a 5-year term if the lender allows her to increase the contractual monthly payment from the amount required by the contract to $1.500 per month