Paul recently borrowed $20,000 to purchase a new car. The car loan is fully amortized over 48 months. In other words, the loan has a fixed monthly payment and the balance on the loan will be zero after the final monthly payment is made. The loan has an APR of 6%. Paul believes it is likely that he will decide to pay off the loan early, immediately after making the 36th monthly payment. What will be the loan payoff at that time?