Eric has a credit card with an outstanding balance of $19,861. The credit card company charges an APR (annual percentage rate) of 23% compounded montly. The minimum payment is $436 per month. If Eric makes no new charges on the credit card while making only the mininum monthly payment

(a) How many months will it take to pay off the outstanding balance?
Answer:

(b) How much total interest will Eric have paid after his last payment of $436?
Answer: $

(c) What monthly payment is necessary to repay the debt in 3 years?
Answer: $