Please Explain:

Whole Pine Inc. is forecasting cash borrowing needs for the next three months. The controller is using these data to construct a month-by-month cash budget for January, February, and March. For simplicity, assume that loans are repaid as soon as possible when surplus cash is available. Also, assume that no interest has to be paid on the loans, just a repayment of principal.

Forecasted Amounts	January	February	March
Cash collections from customers	120,000	100,000	150,000
Cash payments for:
Direct materials purchases	25,000	35,000	30,000
Direct labor costs	17,000	15,000	18,000
Manufacturing overhead costs	30,000	25,000	35,000
Selling and administrative expenses	16,000	13,000	20,000
Interest payments	3,000	3,000	3,000
Income tax payments	0	0	5,000
Dividend payments	0	20,000	0
Machine purchase	0	40,000	0
Beginning cash balance, January 1	7,000
Minimum month-end cash balance	5,000

According to these data, how much borrowing is needed in February for Whole Pine Inc.?