Need help for both

Q3- Dr. Ahmed is a capable researcher at a university, though he has an addiction to borrowing money thanks to a demanding family. 6 years ago he borrowed $6K, when the interest rates were 6.2%. Two years later he borrowed another $4K at 4.43% rate. Last year, he believed a deceiving TV commercial and borrowed another $10k at 16.5%. Now he wishes to consolidate his debt into a single 20-year loan with an annual, fixed 5% rate. If he starts making annual payments in 3 years, what is the amount of each payment? Also, draw the cash flow diagram. (Use formulas if you cannot find the interest rates in the tables). Q4- You started a business plan and your income is as follows: Year 1: $40 Year 2: $80 *Year 3: $120 What would be equivalent "4" year annuity? Assume interest rate is 10% Q3- Dr. Ahmed is a capable researcher at a university, though he has an addiction to borrowing money thanks to a demanding family. 6 years ago he borrowed $6K, when the interest rates were 6.2%. Two years later he borrowed another $4K at 4.43% rate. Last year, he believed a deceiving TV commercial and borrowed another $10k at 16.5%. Now he wishes to consolidate his debt into a single 20-year loan with an annual, fixed 5% rate. If he starts making annual payments in 3 years, what is the amount of each payment? Also, draw the cash flow diagram. (Use formulas if you cannot find the interest rates in the tables). Q4- You started a business plan and your income is as follows: Year 1: $40 Year 2: $80 *Year 3: $120 What would be equivalent "4" year annuity? Assume interest rate is 10%