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Joshua borrowed $1,900 for one year and paid $95 in interest. The bank charged him a service charge of $22. If Joshua repaid the loan

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Joshua borrowed $1,900 for one year and paid $95 in interest. The bank charged him a service charge of $22. If Joshua repaid the loan in 12 equal monthly payments, what is the APR? (Enter your answer as a percent rounded to 1 decimal place.)

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