Mr. Schultz has taken a bank loan of 20000 $ for 5 years, with a monthly interest rate (interest rating will be monthly) to pay in equal monthly installments. The annual compound interest rate is 12%. If he wants to make the remaining amount as a single payment immediately after the 30th payment, how much will he pay approximately?

a) 12.131

b) 11.808

c) 11.482

d) 10.141