You borrow $10,000 from a bank for three years at an annual interest rate, or annual percentage rate (APR), of 13%. Monthly payments will be made until all the principal and interest have been repaid. a. What is your monthly payment? b. If you must pay two points up front, meaning that you get only $9,800 from the bank, what is your true APR on the loan? a. Your monthly payment is $(Round to the nearest dollar.)