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Gina bought a $900.00 couch using her credit card. Her credit card had a 18.3% interest rate. What was the difference of her costs of credit if she paid the couch out over 12 months instead of 9 months? The cost of credit is the amount that a person pays over and above the amount borrowed. P is the principal, r is the interest rate, m is the number of monthly payments, M is the monthly payment A. $21.66 B. $82.64 C. $70.02 D. $107.78