Do not use Excel. I need the full formulas written out.

51. You borrow $120,000 at 3% annual interest compounded monthly for 20 years. The monthly payment is $665.52. Find the balance after the third payment. Find the amount of the last payment. a. balance after third payment: $119,210.41, last payment: $662.89 b. balance after third payment: $118,900.70, last payment: $664.55 balance after third payment: $119,210.41, last payment: $664.55 c. d. balance after third payment: $118,900.70, last payment: $662.89