You Are Trying to Decide How and When to Take

You are trying to decide how and when to take your next cruise.You could invest $200 a month for four years in a money market that is earning 4%,or you could go now,taking out a loan for $10,000 at 11% and paying it off over the next four years.If inflation runs at 2% for the next four years,what is the true difference in cost between the two options?

A) $400
B) $800
C) $1,205.16
D) $2,420.06