Some credit card companies offer a "teaser" rate, an initial interest rate that is exceptionally low for a short period of time (usually less than 1 year) and then adjusts to a much higher rate. For borrowers with good credit scores (above 670), the interest rate ranges from 0% to 5.5%. Suppose Janice has two credit cards, one with a balance of $1,663.60 and the second with a balance of $1,325.73. If she transfers both of her card balances to a credit card with an annual interest rate of 3.5% and wants to repay her entire debt in 1 year, what are her monthly payments (in dollars)? (Round your answer to the nearest cent.)