Max borrows $18,500 for her last 2 years of college, acquiring a federal student loan at 7.3% interest. For a 10 year loan, find the following if she acquires the loan in August, graduates 2 years later, and payments begin 3 months later: a. Find the monthly payment after graduation if interest is not capitalized. b. Find the full monthly payment after graduation if interest is capitalized. c. How much money would be saved by not capitalizing interest.