5. Abby borrowed $32,000 from a bank at an interest rate of 9% compounded monthly. This loan is to be repaid in 48 equal monthly installments over four years. Immediately after her 30th payment, she desires to pay the remainder of the loan in a single payment. How much does she need to pay to finish off the debt? 6. Abby now is considering a different approach. Immediately after her 30th payment, she decided to pay $3,000 extra to lower her monthly payments for the remainder. How much is her monthly payment going to be now