Your client has a required rate of return of 6%. A business associate has asked her to invest in their start-up company with the following loan provisions: Initial loan amount $30,000 Loan repayments at end of year 1 thru 4 = $4,000 each year Balloon payment at the end of 5 years = $22,500 What is the Net Present Value of this loan? (rounded to the nearest dollar).