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Someone needs to borrow ​$10 comma 000 to buy a car and the person has determined that monthly payments of ​$200 are affordable. The bank offers a 4​-year loan at 7​% ​APR, a 5​-year loan at 7.5​%, or a 6​-year loan at 8​% APR. Which loan best meets the​ person's needs? Explain.

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