19. You estimate The interest rate is 4.45 percent. If you want to years, how much must you pay each month? 021 you will have $42000 in student loans by the time you graduate percent. If you want to have this debt paid in full within five (12 points) VI. Answer the following questions. Explain in details. 20. Please use some examples to explain why to maximize profits is not necessarily in the interest of shareholders. (10 points)