Siena Normann is buying her first new car. The purchase price is $22,350 and she’ll put $2,350 down. She will finance the car over five years at 7.25%. Her twin sister, Reese, is buying the same car, but because she has a higher credit score, her rate is 5.25%. What are Siena’s and Reese’s monthly payments, respectively? How much more will Siena pay over the life of the loan?