Your credit card has a bslance of \$3200 atd an annual interent rate of 19%. You decide to pay olf the balance over five years. If there are no turther purchases charged to the card, you must pay $83.02 each month, and you will pay a total interest of $1781.20. Assume you decide to pary off the balanco over one year mather than five. How much more must you pay each month and how much less will you pay in total interest? Use PMT =1(1+nr)nt(nr) to determine the regular porment amount. You will pay 5 mote each month. (Round to the nearest cent as needed.)