Not sure if the charts are necessary, but I included them just in case

c. Determine the present value of $300 to be paid monthly for 36 months, with an additional "balloon payment" of $12,000 at the end of the 36th month, discounted at a monthly interest rate of 1W percent. The first payment is to be one month from today. (Round PV factor to 3 decimal places, intermediate and final answer to the nearest dollar amount.) Present value