Question: *PLEASE USE FORMULA and a timeline to solve this not excel or a financial calculator as I would like to see how to solve it

*PLEASE USE FORMULA and a timeline to solve this not excel or a financial calculator as I would like to see how to solve it via formula. Thanks
23. Lara is buying a new home with a mortgage loan for $186,500 at 6.5 percent annual interest with a term of 30 years. What is the amount of the monthly payment necessary to amortize this debt
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