Need to know how to solve these. Please include formulas and step by step how to work it out.

Detta borrows $20,000 from the bank For a five- year loan, the bank requires annual end- of- year payments of $4,878.05. The annual interest rate on the loan is A. 8 percent B. 7 percent O C. 6 percent O D. 9 percent Xiao Xin is planning to ac te $40,000 by the end of 5 years by making 5 equal annual deposits If she plans to make her first deposit today and can earn an compound rate of 9 percent on her investment, how much must each deposit be in order to accumulate the $40,000 OA $9434 OC. S23.844 $ 6,684 OD. $6,132 Nico makes annual end- of- year payments of $5,043.71 on a four-year loan with an interest rate of 13 percent. The original principal amount was OA. $20 175 . $3.100 OC. S24 450 D. $15,000