You are considering buying a car with a $7-$year amortized auto loan. The price of the car is $$66,000,$ and the average interest rate on the auto loan is $7\mathrm{.}5\%.$ Due to your excellent FICO score, you are able to lower the interest rate to $5\mathrm{.}5\%.$ How much lower would your monthly auto loan payment be compared to those who have to pay the $7\mathrm{.}5\%$ interest rate?

$$400\mathrm{.}56$

$$198\mathrm{.}47$

$$874\mathrm{.}17$