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If you took out a $ 1 0 , 0 0 0 loan ( education loan ) today from citizens Savings Bank at 1 2

If you took out a $10,000 loan (education loan) today from citizens Savings Bank at 12 percent (compounded anually), and you don't have to pay it back for 20 years:
How much money would you owe the bank in 20 years?
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