A student has a job that leaves her with $500 per month in disposable income. She decides that she will use the money to buy a car. Before looking for a car, she arranges a 100% loan whose terms are $500 per month for 36 months at 15% annual interest. This student finds a car she likes and the dealer offers to arrange financing. His terms are 12% interest for 72 months and no down payment. The car's sticker price is $24,000. How expensive a car can she afford on the dealer's terms?