Consider a college student with the following debts: - $3,500 on a credit card at a nominal interest rate of 20.9% compounded monthly - Monthly car payments of $312 at 12% nominal interest compounded monthly and 16 payments to go, and - $300 due each quarter at a nominal interest rate of 10% compounded quarterly with exactly four years of payments left. What would the monthly payments be over the next three (3) years if this student consolidated these debts at 9% nominal interest compounded monthly?