please solve 19,20,and 21

19. You have student loons totaling $120,000 of 5% with monthly payments over 15 years. If you were to opt for a 3% loon over 10 yrs what hoppens to your payment? a. It guas from $1,020 to $799 b. It goes from $455 to $699 c. It goes from $949 to $1,159 d. It goes from $1,800 to about $400 20. CFO is $170,000. CF1 is $19,000. CF2 is $54,000 and CF3 is $122,000. Calculate the Infernal Rate of Retum of the investment? o. 18.30% b. 5.60% c. 1.03% d. 2.45% 21. If CFO is - $155,555,CF and CF2 ore both $65,000,CF3 is $76,000,CF4 is zero. CF5 and CF 6 and CF7 are $44,000 and CFB is zero, what hoppens if the discount rate is decreased?: a. The NPV goes higher b. There are multiple IRR's c. The IRR goes way down d. The NPV is zero by definition