Please answer setp by step . This one is very difficult for me . Thank you very much .

2. Cathy has just made a twelfth monthly payment for a three-year loan of$100,000 that she got from a local bank one year ago. The bank has lent her this loan at the interest rate of 18% per year compounded monthly and she has agreed to pay it all back in thirty six equal monthly payments. Cathy would like to know that how much money she will have to pay in total and to know the present equivalent value ofthe remaining payments. Using the interest tables provided to answer this question. (10 points)