Suppose you are borrowing $41,000 at an interest rate of 3.1%. You will not make any payments for the first two years. Then, starting at the end of year 3 , you will make 5 annual payments to repay the loan. How much will your annual payments be? Round to the nearest dollar, If you take out a balloon loan of $21,000 for 8 years at an interest rate of 7.0% and pay it all off at the end, how much interest will you have paid in total? Round to the nearest dollar