Lacy has a $49,000.00 student loan when she graduates on May 4, and the prime rate is set at 5.25%. She has decided at the end of the grace period to convert the interest to principal, and she sets her fixed monthly payment at $825.00. She opts for the variable rate on her student loan. Create the first four repayments of her repayment schedule. Calculate the total interest charged for both the grace period and the four payments combined. Assume February does not involve a leap year.