You are borrowing $63,000 to purchase a new car, and you are considering two loan options. The first is a 5 year loan with a 5.5% interest rate, and the second is a 2 year loan with a 5.0% interest rate. If your personal discount rate is 14.3% 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 picl the first loan. What are your marginal cash flows?) ( 40 points total) You are borrowing $63,000 to purchase a new car, and you are considering two loan options. The first is a 5 year loan with a 5.5% interest rate, and the second is a 2 year loan with a 5.0% interest rate. If your personal discount rate is 14.3% 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 picl the first loan. What are your marginal cash flows?) ( 40 points total)