Given that Rylee took out a loan for $3600 at 13% interest.
Where interest is compounded annually.
Interest for 1 year = 13% of 3600 = 0.13*3600 = 468
Amount due after 1 year = Loan + interest = 3600+468 = 4068
Monthly payment = 460
So Amount to be paid after 1 year = 4068-460 = 3608
New due amount $3608 is more than the loan amount $3600
Which means loan will always remain due for his entire life.
Hence Rylee will never be able to pay off the loan.
Interest must be less than the monthly payment in order to pay off the loan.