Draw a cash flow diagram for someone who gets subsidized student loans their senior year: Receives $2200 September 2019, & $2200 January 2020, 7.2% annual interest begins accruing monthly on Nov. 1st, 2020. They pay $110 on Dec. 1st, 2020 & January 1st,2020, and pay off the remaining balance February 1st, 2021.

You may assume all the monthly interest payments are equal to the first, for simplicity, though they actually decline slightly.