A woman takes out a loan to be paid back over 4 years at j12 = 6% with monthly payments of $281.82. After 14 payments, the outstanding balance on the loan is $8791.53. The woman then misses the next 3 payments (from time 15 to 17). She begins making regular monthly payments at time 18. If she still intends to pay back her loan in full by the end of 4 years, what is the size of her new monthly payment? (she has 31 payments left). Answer is $311.48