Solving for FV 7) You are consolidating $15,000 in revolving debt. If you pay $200/month at 12%, how much will you owe after 3 years? 8) You want to renovate your home in 4 years but currently have a $30,000 loan you would like to have paid off first. If the APR is 11% and you are making monthly payments of $500, how much will you have left on your loan?