Your holiday ski vacation was great, but it unfortunately ran a bit over budget. As a result, you have a $5,000 balance on your current credit card, which charges an APR of 18.9 percent. If you plan to make the minimum monthly payment of $30, what is the balance when you pay off the balance 4 years from today (from your first year salary)? Could you please give detailed explanation on this one and also provide answers with "detailed how to do necessary calculations on financial calculator as necessary" in the problem?