Ford Motor Company’s current incentives include 4.9 percent APR financing for 60 months or $1,000 cash back on a Mustang. Let’s assume Suzie Student wants to buy the premium Mustang convertible, which costs $25,000, and she has no down payment other than the cash back from Ford. If she chooses the $1,000 cash back, Suzie can borrow from the VTech Credit Union at 6.9 percent APR for 60 months (Suzie’s credit isn’t as good as that of Prof. Finance). What will Suzie Student’s monthly payment be under each option? Which option should she choose?