Yolanda has an urgent expense she needs to pay for now, but has no cash savings at the moment. Her uncle has offered to lend her the $1200 she needs now if she agrees to repay him $1390 in 2 years. Alternatively, Yolanda has a good credit rating and could borrow the money from her bank at a rate of 5.5% per annum, compounded quarterly. What should Yolanda do and Why?