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You have to replace your roof and have the following financing options offered by different roofers for the same job costing 18000 with a market

You have to replace your roof and have the following financing options offered by different roofers for the same job costing 18000 with a market interest rate of 3.6. 

Roofer D:  3 year financing plan, monthly payments at the end of month with a 3.25 annual interest rate plus some loan costing in addition to 18000 cost of the roof.

What is the loan costing cost for roofer D?

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