Katie has just, at t=0, borrowed $22,000 from her family to attend business school. She has promised to pay it all back in 5 equal annual installments, starting one year after she finishes her MBA (i.e. she will make the first installment payment at t=3). Her family considers her to be smart and conscientious and thus a good risk. Thus they are going to charge her a rate of interest of only 5% per annum, paid annually, for all of the seven years for which she has borrowed. Make a loan amortization schedule for this loan