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Carol borrows $ 3 2 , 7 7 2 to help pay for expenses. The loan is for 5 years and carries an annual rate

Carol borrows $32,772 to help pay for expenses. The loan is for 5 years and carries an annual rate of 4.5%. 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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