You and your roommate both receive a $1000 student loan today. Both loans are paid back with fixed payments for 10 years. Your payments start at the end of this year and are $162.75 per year. Your roommate's payments start two years from now (so year 3 if this year is year 1). She pays $197 per year. Your friend then complains that this is unfair, since her interest rate is obviously higher than yours. Explain to her why this is not necessarily the case. 10 POINTS EXTRA CREDIT (NOT REQUIRED) What is the yield to maturity on your friend's loan