Joan borrowed $19,000.00 to buy a car. She repaid $5000.00 two months later and $8200.00 seven months later. After twelve months, she borrowed an additional $6900.00, and repaid $5500.00 after 16 months. She paid the entire balance, including the interest, after 24 months. Interest was 7% compounded monthly for the first year and 6.4% compounded monthly for the remaining time. What was the size of the final payment? The final payment is $ (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.)