A borrower purchased a car for $21,750 and made a down payment of $2,275. The borrower was approved for a five-year installment loan with an interest rate of 9.75% and monthly payments of $411.39. What is the total cost of the car after five years?

A. $32,353.13
B 24,683.40
C. $26,958.40
D. $28,969.06