Michelle will need to pay $150 before the first 12 months. After 12 months is up her balance will have 19.9% added to the balance at that time. She needs to pay $12.50 a month for that first year.

example: If she only paid $10 a month at the end of the year she would still owe $30 and will now owe $35.97 because of the APR%
