Lamar is considering two loans. loan a loan b principal $4,500 $4,300 interest rate 5% 6% time in years 3 3 which loan will have the lowest total payback? loan a will have the lowest total payback because the amount of interest paid is less than the amount of interest paid for loan b. loan a will have the lowest total payback because the total of the principal and the interest paid for loan a is less than the same total for loan b. loan b will have the lowest total payback because the interest is less than the interest for loan a. loan b will have the lowest total payback because the total of the principal and the interest paid for loan b is less than the same total for loan a.