you are borrowing $$63,000$ to purchase a new car, and you are considering two loan options. the first is a $7$ year loan with an $8\mathrm{.}6\%$ interest rate, and the second is a $4$ year loan with an $8\mathrm{.}0\%$ interest rate. if your personal discount rate is $7\mathrm{.}6\%$ what is the net present value of picking the first loan over the second one? excel chegg