Rachael wants to borrow $6,000 for a period of four years. She has two choices. Her bank is offering to lend her the amount at 7.25 percent compounded annually. She can also borrow from her company and will have to repay a total of $8,130.93 at the end of four years. Should Rachael go with her bank or the company, and what is the interest rate if she borrows from her company?