A car dealer is offering to a buyer one of two incentives: zero percent financing or $3,000 cash back. If the car price (before the incentives) is $25,000, find the following to compare the two options in terms of monthly payments.

a. Financing through the dealer Find the monthly payment to the car dealer for a $25,000 loan at zero percent interest for 5 years.

b. Financing through a bank Find the monthly payment to a bank for a 5 year loan at 6% when the buyer finances the $22,000 cost through a bank (i.e. the buyer takes the $3,000 cash back incentive).