How to calculate by formula

81. Sup you take out a a $10,000 a C% nominal annual rate. The terms of the loan require you to make 12 equal end-of-month payments each year for 4 years, an final balloon) and then additional payment of s ,000 a the end of th ast month, at will your equal mpnthly payments be? $137.96 b, $145.22 c, $152.86 d. $160.91