Question 22 20 pts You have obtained a loan with a 3% annual interest rate compounded monthly. Your first monthly payment will not start until the end of month 12, however, the interest on the loan starts at the time the loan is obtained. The loan amount is for $10,000 and you will make 24 equal monthly payments 1. Your monthly payment is approximately (PMT) (Select] 2. What is your effective annual interest rate(INT) (Select] 3. After making 12 monthly payments, you received a bonus that could cover the remaining balance on the loan. How much was your bonus (bonus) (Select]