Please show me how to complete these with an actual formula for PMT that I can plug into the calculator, I do NOT want it solved with an excel formula as I already know how to do that. Thank you!

Malcolm took a trip to Jamaica over Thanksgiving break and rang up a $3500 credit bill. The minimum payment on the bill is $150 at 25% APR. a. Identify the Effective Annual Rate (EAR). b. Identify how long it will take to pay off the $3500 if he only makes the monthly payment. At the age of 65 , Malcolm has saved $1,500,000. He has decided to take monthly payments for the next 20 years from this account, which is averaging 9% annual interest. What is the value of his monthly payment