$ XXXXXXXXXXloan is being repaid by installments of $24.000 at the end of each quarter for as long as necessary, plus a final smaller payment. If interest is at J4 = 12%, find the outstanding balance...

$388.568 loan is being repaid by installments of $24.000 at the end of each quarter for as long as necessary, plus a final smaller payment. If interest is at J4 = 12%, find the outstanding balance at the end of 3 years. (please don't use excel my proffesor doesn't except that)