You want to borrow $47,197. You must repay the loan in 13 years in equal monthly payments and a single $3,308 payment at the end of 13 years. Interest rate is 15% nominal per year.

What will be the loan balance immediately after the 25^th payment?

(Note that the single payment at the end of the period (aka balloon payment) is in addition to the regular payment scheduled for that period)