Zoe filed for bankruptcy several years ago and now wants to take out a loan for $15,200. since zoe has a past bankruptcy, she will end up paying a higher interest rate. the loan term is four years, and her payments are $819.20 per month. with a better credit rating, her payments could have been $440.82 per month. how much more in interest will zoe end up paying for her loan because of her bankruptcy? a. $4,540.56 b. $15,135.20 c. $23,346.24 d. $18,162.24