You need some money today and the only friend you have that has any is your miserly' friend. He agrees to loan you the money you need, if you make payments of $20 a month for the next six months. In keeping with his reputation, he requires that the first payment be paid today. He also charges you 1.5% interest per month. How much total interest does he expect to earn?

A.) $3.94

B.) $4.35

C.) $3.63

D.) $5.96