Barb Jones received a $5,000 loan last month with the intention of repaying the loan in 12

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Barb Jones received a $5,000 loan last month with the intention of repaying the loan in 12 months. However, Jones now discovers she has cash to repay the loan after making just three payments. What percentage of the total finance charge is Jones entitled to receive as a rebate and what percentage of the loan's finance charge is the lender entitled to keep?

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