A loan balance of $23,960 is to be repaid over a 7-year term by equal monthly payments of 6.8% compounded semi-annually.

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A loan balance of $23,960 is to be repaid over a 7-year term by
equal monthly payments of 6.8% compounded semi-annually. At the
request of the person, the monthly payments were set at $440.
a. How many payments will the person have to make?
b. What is the size of the last payment?
c. Determine the difference between the total actual
amount paid through $440 payments and the total amount required
through normal amortization at 6.8% to amortize the loan by the
contractual monthly payments.