John took out a loan for 51 months but paid it in full after 31 months. Find the refund fraction he should use to calculate the amount of his refund.

Question

would it be 51/31?

Answer 1

or x/31?

Answer 2

lots of missing information

What was the rate of interest?
Did he make any monthly payments?
Did he make not payments except the one at the end of 31 months?

Answer 3

I think the question wants to see how we would go about getting the answer.