Use PMT equals StartStartFraction Upper P left parenthesis StartFraction r Over n EndFraction right parenthesis OverOver 1 minus left parenthesis 1 plus StartFraction r Over n EndFraction right parenthesis Superscript negative nt EndEndFraction to determine the regular payment amount, rounded to the nearest dollar. Your credit card has a balance of $5700 and an annual interest rate of 16%. With no further purchases charged to the card and the balance being paid off over two years, the monthly payment is $279, and the total interest paid is $996. You can get a bank loan at 8.5% with a term of three years. How much will you pay each month? How does this compare with the credit-card payment each month