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Carol borrows $ 2 9 , 8 3 4 to help pay for expenses. The loan is for 7 years and carries an annual rate

Carol borrows $29,834 to help pay for expenses. The loan is for 7 years and carries an annual rate of 3.5%. If she plans to make monthly payments, how much will she still owe after 3 years?Round your answer to the nearest dollar.

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