Consider a 6 year loan at 8.5% for $21,750.00 which is figured on an add- on interest basis. (a) what are the monthly payments? (b) what is the APR? (c) suppose the underlying assets value is actually just $19,000.00, what is the effective interest rate? (d) re-answer part (c) further supposing that there is a $10 processing fee charged with each monthly payment.