Ethel and Jack each separately apply for and receive a loan worth $7,725 apiece. Ethel has a relatively average credit rating, s
o her loan has an APR of 9.14%, compounded monthly. Jack’s credit rating is excellent, so his loan has an APR of 6.88%, compounded monthly. If they both pay off their respective loans by making six years of identical monthly payments, how much more will Ethel pay than Jack?