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Could someone please show working out of how they found 12 in this question as I'm a bit confused how the formula (t-s) got 12

Could someone please show working out of how they found 12 in this question as I'm a bit confused how the formula (t-s) got 12image text in transcribed

= 20464.24 (f) What is the amount of cumulative interest payments during the 10th year? CUMIPMT109120 12 x PMT (L 108 L120) 6000.84 1 6000.84 1 L108 L120 1 1 0.01 (1+0.01)180-108 0.01 (1 + 0.01)18 CUMIPMT109120 12 x 6000.84 (306945.32 269767.99) : 34832.75 1 180-120 =

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