2. your family gives you $5,000 as a college graduation present. you are about to start paying off $50,000 in student loans at a 4 percent interest rate for a 15-year loan. you could use this money to pay some of your loans, but you could also invest it. a. calculate the monthly payments and total payment you will be making on your loan if you do not use the $5,000 to make an initial payment. monthly payment: total amount paid: