Okay, I'm stuck on this problem. I have no idea how to find EBC. I'm doing this on a financial calculator.

"Suppose that you are considering a loan in which you will borrow $275,000 using a 30-year loan. The loan has an annual interest rate of 15% with monthly payments and monthly compounding. Suppose also that the lender is charging you a 0.75% origination fee, you are paying 3 points in order to get the 15% interest rate, and the loan has $675 in third-party closing costs associated with it.

What will the effective borrowing cost be for this loan if you make all of the scheduled payment?"