You intend to purchase a new car upon graduation in two years. It will have a cost of $29,381, including all extra features and sales tax. You just recieved a $3,000 pre-graduation gift from your rich uncle that you intend to deposit in a money market account that pays 6% interest, compunded monthly. If you use the amount in the money market account for a down payment, and take out an auto loan for the remainder, how much will you need to borrow? (Round to the nearest dollar).