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A borrower wants to borrow $30,000 at an annual effective interest rate of 8% for 5 years, but would like to pay only $4,000 for

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A borrower wants to borrow $30,000 at an annual effective interest rate of 8% for 5 years, but would like to pay only $4,000 for the first 2 years and then catch up with larger payments in the final 3 years of the loan. What is the payment amount for the final 3 years

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