Can someone answer this question for me please?

Kasey borrows 40,000 where the principal must be repaid in 20 years, but interest payments are due at the end of each year at an effective rate of 4%. Kasey pays the interest each year but also deposits X into a fund at the end of each month to save up to repay the loan principal in 20 years. This fund earns an annual effective rate of 5%. How much is Kasey's total contribution towards repaying the loan? 55,362 0 72,000 55,657