Hello can anyone please help me with these problems without using Excel please I was trying but I got confused,

Quentin has been using his credit card too much. His plan is to use only cash until the balance of $8574 is paid off. The credit card company charges 18% interest, compounded monthly. What is the effect tive interest rate? How much interest will he owe in the first month's payment? If he makes monthly payments of $225, how long until it is paid off?95 A bank is offering a loan of $10,000 with a nominal interest rate of 6% compounded monthly, payable in 72 months. There is a loan origination fee of 3% that is taken out from the loan amount. (a) What is the monthly payment? (b) What is the effective interest rate