Find the monthly payment and estimate the remaining balance(to the nearest dollar). Assume interest is on the unpaid balance.

Using future value formula: A = (M[(1+ r/n ) ^n*t - 1]) / r/n or

present value formula: P(1+r/n)n*t = (M[(1+ r/n ) ^n*t - 1]) / r/n

30-year car loan for $235,000 at 3.21%; remaining balance after 20 years.