You miss the 13th to 15th payment of a loan. The loan payments are $344.86 each month, and the interest rate is 3.85% compounded annually. How much are you behind in your payments on the day that you miss the 15th payment?

You are behind in your payments. (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.)

Please answer with steps involved for calculation