please solve it step by step without FM calculater

John finances his daughter's college education by making deposits into a fund earning interest at an annual effective rate of 4.15%. For 18 years he deposits X at the beginning of each month. In the 15th through the 19th years, he makes a withdrawal of 20,000 at the beginning of each year. The final with drawal reduces the fund balance to zero. Calculate X. 270 300 320 340 350