Need help with 4,5,6

4. If you borrow $23,500 for a car and want to pay it back in 4 years. What is the monthly payment if the rate is 6.5%? 5. If you save $250 monthly for 10 years starting today, then let it grow compounded annually for 6 years, what will the value at the end of 16 yrs? Use 4.5%. 6. What is the Present Value (today) of a lump sum of $45,000.00 that exists in 16 years' time, if the interest rate remained at 5% and it had been earning interest compounded annually