You want to retire exactly 40 years from today with $1,970,000 in your retirement account. If you think you can earn an interest rate of 10.15 percent compounded monthly, how much must you deposit each month to fund your retirement

I must deposit $297.59 each month

Explanation:

Future Value

A series of deposits of R dollars each for n periods at an interest rate i will generate a final value M, given by

Where Fm is computed by

The question provides us with the values

i=10.15% , n=40 years

Converting to monthly periods

Therefore

Solving the first equation for R

R=$297.59

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forbearance of student loan payments. under forbearance, your loan payments are postponed (or reduced) but interest continues to accrue during the period of forbearance. if you don't pay the interest during that period, the interest may be “capitalized,” which means it is added to your principal balance.