Based on the above, how much is the total interest amount at the end of the 15 years , what is your effective rate ? The first sheet of your workbook should be a summary table. (See file attached on Learn). Analyze and conclude... (Use the scenario analysis to help you conclude? what effect does paying more have on the life o the loan, what is the effect on the change of interest rate .... How is it best to manage your loan ? ..... PART 2: Present Value Analysis (10 points) Assume that today is January 21 , 2020 . Natasha Kingery is 30 years old and has a Bachelor of Science degree in computer science . She is currently employed as a Tier 2 field service representative for a telephone corporation located in Seattle, Washington, and earns $45,000 a year that she anticipates will grow at 4% per year. Natasha hopes to retire at age 65 and has just begun to think about the future Natasha has $80,000 that she recently inherited from her aunt. She invested this money in 10-year Treasury bonds. She is considering whether she should further her education and would use her inheritance to pay for it. She has investigated a couple of options and is asking for your help as a financial planning intern to determine the financial consequences associated with each option . Natasha has already been accepted to two programs and could start either one soon One alternative that Natasha is considering is attaining a certification in network design This certification would automatically promote her to a Tier 3 field service representative in her company. The base salary for a Tier 3 representative is $10,000 more than the salary of a Tier 2 representative , and she anticipates that this salary differential will grow at a rate of 4% a year for as long as she remains employed. The certification program requires the completion of 20 Web -based courses and a score of 80 % or better on the final exam . She has learned that the average amount