Rounding in the calculation of monthly interest rates is discouraged. Such rounding can lead to answers different from those presented here. For long-term loans, the differences may be pronounced. To buy a car, you borrow $20,000 with a term of five years at an APR of 6%. What is your monthly payment? (Round your answer to the nearest cent.) $ How much total interest is paid? (Round your answer to the nearest cent.) $