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The beginning balance 9/2021 was $6,000. The monthly paymemt is $190 but sometimes more was applied. The balance prior to the last payment was $5,431.93.

The beginning balance 9/2021 was $6,000. The monthly paymemt is $190 but sometimes more was applied. The balance prior to the last payment was $5,431.93. Payment of $260 was paid. $209.22 was applied to the principal. $50.78 was applied to interest. What's the yearly annual percentage rate?

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