Find the interest rates earned on each of the following. Round your answers to the nearest whole number.

1. You borrow $700 and promise to pay back $777 at the end of 1 year.

   %

2. You lend $700 and the borrower promises to pay you $777 at the end of 1 year.

   %

3. You borrow $64,000 and promise to pay back $164,171 at the end of 6 years.

   %

4. You borrow $10,000 and promise to make payments of $2,504.60 at the end of each year for 5 years.

   %