Sarah has a 15-year home mortgage. She needs to pay $2300 at the end of each month for the next 15 years. The interest on the loan is 3.625% APR compounded monthly. After 2 years of payments, she is having trouble affording the $2300 per month. To lower her monthly payment, she is going to refinance to a 30-year loan which has a 4.5% APR compounded monthly.

What is her remaining balance to refinance?

Find the new monthly payment.