Answer:
For $1,200 at 14% for 24 months, Sally would be have to pay $57.62 per month, or $1,382.88 after 24 months. Neighbor Steve: For $800 at 32% for 16 months, Sally would have to pay $62.08 per month or $993.28 after 16 months. Even with the (much) higher interest rate, Sally would pay $389.60 less if she went with Neighbor Steve. Even better is that the monthly payments would be about the same for the given timelines. Sally would still want to weight the benefits of contracted work vs. non-contracted work.
Explanation: