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You borrows $26,000 to pay for your tuition. The adjustable rate loan carries a 7% annual percentage rate for the first 5 years. After that the rate will be adjusted downward to 5% annually to reflect market conditions. The loan term is 30 years and payments are made monthly. What is your original monthly payment? What is the remaining balance on the loan after five years? What is the monthly payment after interest rate resets to 5%? ( you do not need to write time value of money equation for this problem, just show your calculator work for each step)