Please solve with excel and show steps. How and WHEN you pay back the loan is as important as how much you borrow. You are borrowing $$131,000$ for $5$ years at $3\mathrm{.}85\%$ PY$.$

I am looking for two different methods using COMPOUND interest. ONE OF THE SOLUTION MUST BE A TABLE $($see Chapter $2$ section $4$ of text$)$

Show two DIFFERENT ways and calculate the results that demonstrate financial equivalence for this problem.

Do not show me simple and compound interest. DO NOT simply change the compounding term $($IE$.$ A daily, mothly, yearly calculation$)$

Do not show me two calcualtions that give the same solution. $($IE Excel formula and hand calcualtion$)$

How much will you pay over the life of the loan in each way? WHICH ONE costs you the LEAST amount of interest, WHY?