In August 2004, Bonnie Martin bought a house for $392,000. She put 20% down and financed the rest with a thirty-year loan at the then-current rate of 5 3/4 %. In 2007, the real estate market crashed. In June 2009, she had to sell her house. The best she could get was $231,000.

How much did she have to pay out of pocket to pay off the loan?