You currently have two loans outstanding: a car loan and a student loan. The car loan requires that you pay $445 per month, starting next month for 28 more months. Your student loan is requires that you pay $91 per month, starting next month for the next 90 months. A debt consolidation company gives you the following offer: It will pay off the balances of your two loans today and then charge you $547 per month for the next 39 months, starting next month. If your investments earn 3.17% APR, compounded monthly, how much would you save or lose by taking the debt consolidation companys offer? If you lose, state your answer with a negative sign (e.g., -25,126)