You just found out that you need a $$42,000$ student loan for graduate school. Currently, the lending institution is offering student loans at $3\%$ annually for $20-$year loans. Given this information, how much will your monthly payment be if you obtain this student loan?

$$232\mathrm{.}93$

$$294\mathrm{.}74$

$$256\mathrm{.}30$

$$315\mathrm{.}33$