12. To determine the amount you need to pay if you want to pay off a loan early, you should: A. subtract the sum of the payments already made from the initial amount of the loan. B. sum the remaining payments. C. subtract the sum of the present values of the payments already made from the initial amount of the loan. D. sum the present values of the remaining payments. E. subtract the sum of the present values of the remaining payments from the present values of the payments already made