3) Luan is borrowing $5000 to buy Sacramento Kings season tickets
for her family. She is planning to pay it back over three years.
She can borrow the money from a finance company at a 6.5% add-on
interest rate for three years or she can borrow it instead from
her credit union, making 36 monthly payments of $164.50. Find the
total amount Luan will have to pay back with each option and the
APR (to the nearest half percent) of each loan.