You have an outstanding student loan with required payments of $525 per month for the next four years. The interest rate on the loan is 10% APR (monthly). You are considering making an extra payment of $175 today (that is you are paying an extra $175, additionally to the $525 ). If you are required to make payments of $525 per month until the loan is paid off, what is the 4 amount of your final payment? What effective rate of return (expressed as an APR with monthly compounding) have you earned on the $175