You have a student loan that requires you to pay $202 per month, starting next month, for 142 months. You can make these payments or enter a new loan that requires you to pay $158 per month, starting next month, for 192 months. To switch to the new loan will cost you a "financing fee" of $360 today. If your investments earn 2.26% APR (compounded monthly), how much do you save in PV terms by taking out the new loan