Solve the following corporate finance problem in excel in 3 different ways:

In the beginning of September 2009, Susan Chao bought a motorcycle for $30,000. She paid $1,000 down and financed the balance with a five-year loan at an APR of 7.2 percent, compounded monthly. She started the monthly payments exactly one month after the purchase (i.e., the beginning of October 2009). Two years later, at the end of October 2011, Susan got a new job and decided to pay off the loan. If the bank charges her a 1 percent prepayment penalty based on the loan balance, how much must she pay the bank in the beginning of November 11?