Juanita takes out a federal unsubsidized loan for 12700 with an interest rate of 7.1%, a term of 10years, and payments deferred 6until months after graduation. She decides not to capitalize on the interest. Find Juanita's monthly interest payment while in school. Assume a 30-day month. Round your answer to two decimal places, if necessary. What will her monthly payment be when payments begin? She graduates 5years after acquiring the loan. Round your answer to two decimal places, if necessary. How much less will she pay over the life of the loan by not capitalizing the interest? Round your answer to two decimal places, if necessary.