Subtract 5y^2-6y-11 from 6y^2 +2y+5.
The answer should be a polynomial and in standard form

Calculate the total payback for a $3,500 loan at 8% annual interest with monthly payments for two years. show all of your steps. use the formula, m = pm(1 + m)^na/(1 + m)^na - 1, as needed.