You are borrowing $62,000 to purchase a new car, and you are considering two loan options. The first is a 6 year loan with an 8.2% interest rate, and the second is a 4 year loan with a 7.8% interest rate. If your personal discount rate is 8.1% what is the net present value of picking the first loan over the second one? (Hint: You need to think about what is different if you pick the first loan. What are your marginal cash flows?\