Your friend currently has $$25,000$ in credit card debt from throwing a graduation party; the card terms are a $27\mathrm{.}50\%$ APR$-$Monthly rate. Being the master of finance that you are, you have sternly spoken to your friend and told them to get it together. Your friend will not add to the balance of the card. You have called the bank and found a line of credit with a rate of $15\mathrm{.}00\%$ APR$-$Quarterly that allows you to transfer the balance owing. Your friend will pay$-$off the card in two years.

How much will your friend save per month; how much will they save during the duration of the loan.