please draw a time diagram( time value line diagram)

A couple takes out a $71000 loan. This loan is to be amortized with equal monthly payments over a 24-year period at 8.6%/year compounded monthly, with the first payment made one month from now.

(a) Determine the outstanding balance at the end of 12 years.

(b) After that time, the couple is unable to make payments for 1 year. What will then be the balance at the end of 13 years? (c) What new monthly payments would repay the loan on schedule?