step by step, please

fast the solution,i am waiting for your response and will give like .

Major and Agustin took out a 30 year mortgage for $183,000 at the APR of 11.1%, compounded monthly. After they had made 12 years of the payments ( 144 payments) they decide to refinance the remaining loan balance for 20 years at the APR of 6.3%, compounded monthly. What will be the balance on their loan 5 years after the refinance