I know the answer, but Im not sure how to do the problem.

You receive a loan for $4500 to buy new furniture. The loan has no interest for 12 months. After the 12 months the interest increases to 5.2% annual interest compounded monthly. You paid off $1200 of the loan during the no interest period. Once the 5.2% interest period starts, you start consistently paying off the loan with monthly installments. If the loan is paid off in four years from when you start making the monthly payments, how much are your monthly installments? Answer $76.23