Please no excel. Thanks

An 18-year loan of 21,000 may be repaid under the following two methods:

amortization method with equal annual payments at an annual effective rate of 6.1%

sinking fund method in which the lender receives an annual effective rate of 6.450% and the sinking fund earns an annual effective rate of j.

Both methods require payment of X to be made at the end of each year for 18 years. Calculate j. Round your answer to one decimal place