22,500$ lone & pae 175$/month tu pae it off . . . time=22500/175=128.57 months =10.714 yeers . . . . 4% interest*22500*10.714 yeers=9,642.60$ interest . . . Wen yu gonna pae the interest ??????? ???? maebee add interest tu eech month paement ???? 9,642.60$/128 months=75.33$/month . . . maebee yu gotta pae 175+75.33 evree month ???????