A company requests a loan of $ 190,288.85 from a bank that charges a monthly interest of 1.5%. He agreed to pay off the debt in 24 equal monthly installments and start paying it off one month after obtaining the loan. At the moment of making payment 12, he decides to reduce his monthly payment by $ 50, that is, in month 13 he will make the normal payment minus $ 50, in month 14 he will pay the monthly payment minus $ 100, and so on. In what month will you finish paying the debt? Determine the exact amount of the last payment if it is not a multiple of $ 50.