please show using formula, dont use excel

Question 30 (1 point) Two years ago you purchased a new SUV. You financed your SUV for 60 months (with payments made at the end of the month) with a loan at an APR of 4.5%, monthly compounded. You monthly payments are $617.16 and you have just made your 24 th monthly payment on your SUV. Assuming that you have made all of the first 24 payments on time, what is the outstanding balance on your SUV loan? $28,132.04$23,761.49$20,747.02$26,915.34$21,784.15