Unearned Interest by the Actuarial Method Each loan was paid in full before its due date. (a) Obtain the value of h from Table 5. Then (b) use the actuarial method to find the amount of unearned interest, and (c) find the payoff amount. Unearned Interest by the Actuarial Method Each loan was paid in full before its due date. (a) Obtain the value of h from Table 5. Then (b) use the actuarial method to find the amount of unearned interest, and (c) find the payoff amount