Kelly Bought a New SUV For $\$ 28,000$ She Made a Down Payment Of 28,000

Kelly bought a new SUV for $\$ 28,000$ . She made a down payment of $\$ 14,500$ and has monthly payments of $\$ 264.15$ for 5 years. She is able to pay off her loan at the end of 36 months. Using the actuarial method, find the unearned interest and payoff amount.

A) u = $409.75; payoff amount: $6603.75
B) u = $368.78 payoff amount: $6813.40
C) u = $368.78; payoff amount: $5574.60
D) u = $409.75; payoff amount: $6194.00