Carol borrows $$31,344$ to help pay for expenses. The loan is for $5$ years and carries an annual rate of $3\mathrm{.}8\%.$ If she plans to make monthly payments, how much will she still owe after $2$ years? Sam borrows a certain amount of money to help pay for expenses. To pay back the debt, he makes weekly payments of $$211.$ If the loan carries an annual rate of $4\mathrm{.}4\%,$ how much will he still owe when there are $23$ payments left?