Question

last year 92005-2006) you took out a a student loan for $12,000. this year (2006-2007), you got one for $11,000. Next year (2007-2008) you plan on borrowing $10,000. You won't take a long out the following year (2008-2009), and you graduate in 209, if you want to pay the loan back in 10 equal annnual payment and the interest rate is 4%, what will your yearly payments be?

I can't use excel or anything like to solve these problems.
I have to use equations such as F=P(F/p,i,n) or vice versa with P and F.
or A=P(A/P,i,n) etc.