Diana is looking to borrow $11,000 to help her meet some financial obligations. Stark Bank offered her a loan with a repayment of $447 month for 36 months and Wayne Financial offered her a loan with a repayment of $356 month for 60 months. She has the money for both repayment terms and needs to find out which one will cost her the least overall to have. Which offer is a better financial deal and explain why?