<prompt> Human: If I were to ask for a loan of 100k, Id be told I could get that loan for say 5 APR over 10 years.Running that through a calculator shows I make 120 payments of 1,060.66 for a total payment of 127,279.20.The loans cost is therefore 27,279.20.But if the interest were 6 APR the cost is actually 33,225.20.Its hard for me to really see the difference between interest rates besides knowing lower is better.So why dont we instead list the interest as the total cost vs principle?e.g. 5 APR 27.2e.g. 6 APR 33.2Thats much clearer to me, and Id suspect the same is true for anyone without a loan calculator on hand.  <response>: Because thats only accurate if you make minimum payments for the entire like of the loan? But no matter how much you pay towards it the APR will stay the same. 