The 4th grade Young-dae plans to pay 2 million won in tuition fees for the spring semester of the 4th grade and 2 million won in tuition fees for the fall semester by loan, get a job one year after graduation, and pay back the same amount of X million won per month for one year. How much is X? However, the spring semester is 6 months from early March to the end of August, and the fall semester is 6 months from early September to the end of February next year. And the time to get a job is at the beginning of the month, a year has passed since graduation. In addition, interest rates on tuition loans and post-graduation repayment rates for both spring and fall semesters are 6% per annum( monthly compounding annual nominal interest rate)

(1) show me the calculation

(2)Continue at (1). If the interest rate is 6% per annum in school, but the post-graduation repayment rate is 12% per annum( ) , how much is X? Please show me the calculation process.