only need the second one

Suppose you take a 10 year loan of $20,000 with an interest rate of 14% and annual payments starting at the end of year 1. What are the annual loan payments? Enter your response below. 3834.27 ES: 3,834. 271 Click "Verify" to proceed to the next part of the question. The loan payments are $3834.27 per year. Suppose you decide to pay off the loan at time 4. How much would you have to pay (including the time 4 payment), assuming there are no penalties for early repayment? Enter your response below.