6, (20pt) A man borrows 65,000 for 20 years at an annual rate of 8% and makes the annual interest payments to the lender at the end of each year. He also makes annual contributions to a sinking fund to raise money to pay off the principle. He makes payments to the sinking fund of X each year. The fund earns 6.5%. What is his out of pocket contribution to the loan when he pays off the loan