Your credit card has a balance of $4100 and an annual interest rate of 13%. You decide to pay off the balance over two years. If there are no further purchases charged to the card, you must pay $194.97 each month, and you will pay a total interest of $579.28. Assume you decide to pay off the balance over one year rather than two. How much more must you pay each month and how much less will you pay in total interest?

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