Ian has the choice of taking out a 25-year loan for $205,000 at 3.2% interest, compounded monthly, or the same loan at 20 years for a higher monthly payment. If he would pay a total of $93,077 in interest on the 25-year loan, how much in total would he pay in interest on the 20-year loan? A. $93,077 B. Less than $93,077 C. More than $93,077 but less than $205,000 D. $205,000