this questions is referring back fo question one posted below. its asking me to calcuate new payments with a new APR at 4% after being refinanced after two years. below i have provided that answer from my teacher, how I keep coming up with something totally different. can you please help me figure this out?

9. In Exercise 1 (c), suppose you are able to refinance your loan after 2 years to a 3- year loan that carries an APR of 4%. What are your new payments? 1. Calculate the monthly payments on a car loan of $23,000 financed at an APR of 6.7% for... a. 36 months b. 48 months c. 60 months Section 1.3 1. a. $707.02