Monica has a yearly salary of $29,700. Her employer withholds $2808 in state and federal taxes and $2246 in FICA taxes throughout the year. She has the following monthly costs: transportation is $120, cell phone bill is $60, student loans require $240 in repayment, and rent is $650. She is using the average monthly costs for each of the following in order to gain an idea of other monthly expenses: utilities are $150, internet is $90, health insurance is $281, and groceries are $180. What is Monica's monthly net pay amount? Round your answer to the nearest cent, if necessary