Brianna has a balance of $8,000 on her credit card. After talking to a financial advisor, Brianna decided to get a loan from the bank and discontinue using her credit card. The bank will charge Brianna 3.5% interest. Which of the following could be used to calculate the total repayment on Brianna’s loan after 4 years if she has a monthly payment of $178.85?
A. 4(178.85)
B. 4(12)(178.85)
C. 4(12)(178.85) − 8000
D. 4(8000)(0.035)