Madeline is financing $321,800 to purchase a house. How much money will she save over the life of a 20 year fixed rate loan by buying five points with the rate of 4.23% instead of not buying points with the rate of 5.18%? Round to the nearest dollar. (show work)
A= $39,984
B= $23,894
C= $36,697
D= $36,766