Find the loan amount
Car price = $20,000
Down payment = $4,500
Loan amount = 20,000 - 4,500 = 15,500
Total payments for the loan
Monthly payment = $318.61
Number of months = 72
Total payments = 318.61 × 72 = 22,919.92 22,920
Total amount paid for the car
Total paid = Down payment + Total loan payments
Total paid = 4,500 + 22,920 = 27,420
Extra amount paid over car price
Extra paid = 27,420 - 20,000 = 7,420
Answer: $7,440

Six hundred thirty-eight thousand, nine hundred ninety-seven is: 638,997.