PLEASE HELP WILL REWARD!
Betty took out a subsidized student loan of $35,000 at a 4.8% APR, compounded monthly, to pay for her last four semesters of college. If she will begin paying off the loan in 21 months with monthly payments lasting for 20 years, what will be the amount of her monthly payment?

A. $247.00
B. $244.87
C. $225.18
D. $227.14