Determine whether or not the following series converges. If it converges, find its sum. 
Definitions:
Amortization Period
The total time period over which a loan or mortgage is scheduled to be repaid through regular payments.
Monthly Payment
The amount of money that needs to be paid each month, often used in the context of loans or leases.
Principal Portion
The part of a loan payment that reduces the outstanding balance owed on the loan.
Compounded Monthly
Interest calculation method where interest is added to the principal on a monthly basis.
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