A new car is purchased for $10,000 with a 0% down, 9% interest rate loan. The loan’s length is 4 years. After making 30 monthly payments, the owner desires to pay off the loan’s remaining balance. How...

A new car is purchased for $10,000 with a 0% down, 9% interest rate loan. The loan’s length is 4 years. After making 30 monthly payments, the owner desires to pay off the loan’s remaining balance. How much is owed?

(Answer: $4178)

Please indicate the given and formula we're using. Without using Microsoft Excel solutions manual only.