Joan has borrowed 14400 dollars at a nominal rate of interest of 7 percent convertible monthly. She has agreed to repay the loan with 36 equal monthly payments, the first coming one month after the loan is made. After making the 20th payment, she makes a deal with the lender where she'll pay off the balance owed on the loan with 24 more monthly payments. The lender agrees, provided that the yield rate on the ENTIRE LOAN is 9.4 percent convertible monthly. Under these new terms, how much is her last payment?