Carmine took out 28- year loan for $151,000 at an apr of 9.9%, compounded monthly, while richie took our a 28- year loan for $116, 000 at an apr 9.9%, compounded monthly. who would save more by paying off his loan 17 years early?

a; carmine would save more, since he has $35,000 more in principal.
b; richie would save more, since he has $35,000 less in principal.
c; richie would save more, since he has $35,000 more in principal.
d; carmine would save more, since he has $35,000 less in principal.