Your credit card has a balance of exist2500 and an annual interest rate of 12%. You decide to pay off the balance over three years. If there are no further purchases charged to the card, you must pay exist83.04 each month, and you will pay a total interest of exist489.44. Assume you decide to pay off the balance over one year rather than three. How much more must you pay each month and how much less will you pay in total interest? Use PMT = P[r]/1 - [1 + r]^-nt to determine the regular payment amount. You will pay exist more each month. (Round to the nearest cent as needed.)