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Stan borrows $20,000 at a quarterly effective interest rate of 2.1%. Stan repays the loan by making a payment of X six months from now

Stan borrows $20,000 at a quarterly effective interest rate of 2.1%. Stan repays the loan by making a payment of X six months from now and a payment of 2X one year from now. Three months after Stan's first payment, Stan decides to pay off his loan early. What is the amount of Stan's final payment?

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