3) Matt desires to retire earlier than his normal retirement age for social security. Construct a matrix in Excel showing Matt's age when he will be debt free while showing the payment options from the previous work completed in Excel.

4) In a text box provide a brief determination as to what student loan monthly payment you deem is feasible for Matt, and why? What mortgage option might be best for Matt in the future, and why? Is it likely that Matt might be able to retire earlier than the normal retirement age for social security, and why? Keep all your answers extremely short and to the point, but base your decisions on the analysis you create in Excel.