Candice and Zack are planning to purchase a condo. After their down payment, they will need to finance $310,000. The lender has approved them for the loan with either a 3.75% rate for 15 years, or a 4.25% rate for thirty years. Using Excel, calculate the total amount of principal and interest paid over the term of each loan and compare the total costs for each. Calculate and compare the monthly payment for each. What advice would you provide in favor of each choice, if they asked?