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.75% * $35000 = $262.5(extra interest per yr)
2300/262.5 = 8.76yrs
so. in 8.76 yrs you will have paid the 2300 thru higher interest
i kept this simple
if you add the cc to the loan and calculate the loans seperately then the math problem gets way longer
bottom line, both deals are VERY similar
personally, i would take the no cc option and plop an extra payment in there from time to time and knock out this loan early