could you please help me solve this using the formula or how i could solve this using the financial calculator. im not supposed to use the PV and PVA value tables.

You have decided to buy a used car. The dealer has offered you two options: (FV of $1. PV of $1. FVA of $1, and PVA of $1 (Use the appropriate factor(s) from the tables provided.) a. Pay $670 per month for 30 months and an additional $10,000 at the end of 30 months. The dealer is charging an annual interest rate of 24%. b. Make a one-time payment of $20,527, due when you purchase the car. look 1-a. Determine how much cash the dealer would charge in option (a). (Round your final answer to nearest whole dollar.)