Suppose that an engineering student gets a student loan for his/her five-year university education. Suppose that it is being paid to the student at the end of each month starting from September 2020. He/she is being paid XTL per month for year 2020 and the monthly paid loan value increases by 10% TL each year. Assuming that annual interest rate is given by 12% (constant), and it will be compounded per year in all the calculations, answer the followings: a) Find the value X if he/she has to pay it back in a single payment value of 30,000TL in year 2027 (Sketch the cash-flow diagram). b) Find the value X if he/she has to pay it back in a 5 equal annual payments of 6000TL starting from year 2027 (Sketch the cash-flow diagram).