janet just graduated from college, has a job she’s scheduled to begin in 3 months and has decided to treat herself to 6 weeks of travel across south america before she buckles down and starts working full-time. to do the trip, she’s thinking of applying for a personal loan of $3500, and the bank she uses for her checking and savings account has offered her an interest rate of 24%. she has a goal of paying off the trip within two years, so she uses a bankrate.com loan calculator with a starting date of 2/22/22 and gets the following amortization schedule: