How much will you owe a bank at the end of the 27th month if you took a loan of $25,000 for a period of 72 months at a rate of 4% per year compounded monthly, if you paid the bank your entire bonus of $5,000 at the end of the 12th month to bring down the loan quickly? You make payments to the bank at the end of every month.

$421

$3,727

$7,090

$11,063