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Help with calculating loan payments? (math problem)?

I have two math questions that I don't get. (Please explain!!) Calculate the monthly loan payments needed to pay off a 3-year car loan of $4500 at the annual interest rate of 10.25%? also-- the answer definitely is not(roughly) 163.... that's what I got and that's not it. and Determine the present value of a 30-year loan with an annual interest rate of 6.5% with loan payments of $1856.82. Interest is charged 12 times per year. Thanks!!

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