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A loan of 15,000 is repaid by 100 at the end of every month for as long as necessary plus a final smaller payment. Interest

A loan of 15,000 is repaid by 100 at the end of every month for as long as necessary plus a final smaller payment. Interest is at J12=12%. What is the outstanding balance at the end of 3 years?

Please don't use excel and PLEASE show the equations & formula in the steps please... thank you so much.....

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