Can some brilliant Mathematician figure out this Economic Question for me?

I am going to obtain a student loan of 64,000$ per year (which charges 8% interest starting with the deposit), and hold $20,000 in a savings with 1.15 APY (interest). If I were to take out $2400 each month and place that into a non-interest bearing account; by the end of 4 years, how much money would I have made from the 1.15APY savings account, whose value obviously diminishes by the month but gets replenished with $20,000 3 more times each January before it is entirely used up.