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What is the correct formula to solve this and the steps? I am not sure what I am doing wrong. 3. Suppose that you owe

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What is the correct formula to solve this and the steps? I am not sure what I am doing wrong.

3. Suppose that you owe $20,000 when you graduate from UWM. Your Direct Subsided Student Loan has an annual interest rate of 3.73%. If you want to pay back the entirety of your loan in 10 years, what would be your payment per month? 3.73/100=0.037/12=0.0031 1012=120 0.0031(20000)/1(1+0.0031)120=$636.31

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