6 year loan data:

At 4% your payment (principle and interest) On a $20,000 loan would be $312.90 per mo with total interest paid at $2,529.06


At 9% your payment (principle and interest) on a $20,000 loan would be $360.51 per mo with total interest paid at $5,956.77

This of course assumes you make your payments on the exact due date - before or after will effect interest numbers either way. (always make your payments early if possible) or best yet - make two payments a month (if you get paid every two weeks) you will pay your loan off sooner!

Now go get that bad boy!!