The Stafford plan now offers student loans at 4% annual interest. After two years the interest rate will increase to 6% per year. If you borrow $5,000 now and $5,000 each year thereafter for a total of four installments of $5,000 each, how much will you owe at the end of year 4 ? Interest is computed at the end of each year. The amount owed equals the sum of the products of the cash inflows for each year and the appropriate (F/P,i%,N) factors. Note that the interest rate changes over the years