Your student loan had an original amount of $80,000, an original maturity of 120 months and a contractual rate of 8.2%. The current risk-free rate in the economy is 1.4%. You have made all the payments for the first two years and the institution holding the loan contract makes you the following offer: since you have made all payments on time, the interest rate in your contract will reprice to 4% for the remaining eight years. The offer would cost you an $800 fee. Calculate the NPV of accepting the offer.