the amortization schedule by completing the formula in cell $J5,$ which already contains an IF function that checks whether the year in column $H$ is less than or equal to the term in cell D$7.$

Between the commas in the formula in cell J$5,$ enter another formula using the PV function. Use defined cell names for the rate, nper, and pmt arguments as follows: $-$ rate argument: Divide the Rate by $12$ to use the monthly interest rate.

nper argument: Subtract the year value in cell H$5$ from the Term, and then multiply the result by $12$ to specify the number of months remaining to pay off the loan.

pmt argument: Use the Monthly Payment as a negative value to specify the payment amount per period.

D$.$ Fill the range $36$:$J14$ with the formula in cell $35$ to complete the amortization schedule.