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It is feasible that a calculation might result in a certain monthly cost that’s not sufficient to repay the principal and curiosity on a loan. Which means that curiosity will accrue at such a pace that repayment of the loan on the given “Monthly Pay” cannot sustain. If so, merely adjust one of many three inputs till a viable result’s calculated. Either “Loan Quantity” must be decrease, “Monthly Pay” must be greater, or “Interest Rate” must be lower.