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Suppose you have the following three student loans: $$11,000$ with an APR of $6\mathrm{.}5\%$ for $17$ years, $$15,000$ with an APR of $7\%$ for $22$ years, and $$12,500$ with an APR of $8\%$ for $12$ years.

a$.$ Calculate the monthly payment for each loan individually.

b$.$ Calculate the total you'll pay in payments during the life of all three loans. be over the $22$ years?