Jonathon borrows $20,000 at 4% interest on November 1, 2020. He plans to repay the loan with level monthly payments over 6 years, a) Find his monthly payment assuming that his first payment is on December 1, 2020. b) Find his monthly payment assuming that his first payment is on April 1, 2021. c) Find the additional amount of interest that he would pay by delaying his payments as described in part b).