Selima has made a deal with her bank to pay off her student loan. She will make 26 regularly spaced (i.e weekly, monthly, or whatever depending on the number of payments per year) payments every year. For the first 4 years each of her payments will be $150, and then for the next 4 years her payments will fall to $45. If the interest rate is 3% compounded 26 times per year, how much money does she owe?