You decide to buy a refurbished computer for $550.00 plus 6% sales tax. BB Electronics allow you to take out a no-interest loan for 12 months, and after that the interest rate is a 13.25% APR. You must make payments of $25/month, and if you miss one payment you are assessed a late fee of $29.00 plus 13.25% APR interest beginning from the date of purchase. How much is due the first month?