Mark bought a truck with a sticker price of $23000 plus additional options totaling $3500. He received a 4% discount and a $1500 trade-in allowance. The tax was 7%, tag fee was $125, and title fee was $75. He bought an extended warranty for $700, which was financed into the total cost of the truck. The interest rate was 6.5% for 5 years. How much are the monthly payments?