Perform the indicated operations and simplify the expression. 
Definitions:
Monthly Payment
Monthly payment is the amount of money paid each month on a loan, mortgage, or other debt.
Amortization Schedule
An Amortization Schedule is a table detailing each periodic payment on an amortizing loan, showing amounts paid to principal and interest.
Interest on Unpaid Balance
Interest charged on the portion of a loan or credit card balance that has not been paid off within the agreed period.
Equal Monthly Payments
Regular payments of the same amount made over a set period to repay a loan or mortgage.
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