Question 1199687
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If you need the formulas, then you may learn them from your textbook (which I insistently recommend).


If you need the numbers only, you may use some of numerous online calculators for loans.


For example, this one https://www.calculator.net/loan-calculator.html
which is free of charge.


It gives for the 1st scenario   Total of 36 Payments	  $6,969.71

         for the 2nd scenario   Total of 48 Payments	  $7,584.14


The difference  $7,584.14 - $6,969.71 = $614.43  is your <U>ANSWER</U>.


It is the amount  Samantha can save.
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Solved.