Please explain how to solve this problem:

Assume you are in repayment on $50,000 in student loans. The terms of your loan are a 10-year (120 period) repayment term at a 5% annual interest rate.

(a) Assuming you make all your monthly payments on time, how much will you pay back in total over the lifetime of this loan?

On March 27, 2020, Congress passed the CARES Act, which, among other things, automatically placed all student loans currently in repayment into administrative forbearance for the six month period from April to September 2020.23 What his means in practice is that borrowers are not required to make payments over these six months and no interest charges or penalties are accrued over these six months. Even though you are not required to make payments from April until September, suppose you decide to continue making your payment anyway for parts (b) and (c).

(b) Assume you would have entered repayment on this loan on April 1. How much less will you pay in total over the lifetime of this loan?

(c) Now assume that, as of April 1, you were halfway through paying back your loan (i.e. you had made 60 consecutive monthly payments). In this case, how much less will you pay in total over the lifetime of this loan?