For the first year you have to pay $22,000/5=$4400.The remaining $17,600 you can invest for 2%.
at the end of the year your interest would be $352 and you would have $17952.Now you again deduct $4400 to pay for the second year $17952-$4400 and you will have $13552, that can be invested. By the end of the second year you will have $13552+$271.04=$13823.04. Again, you do the same as for the second year, pay $4400 $13823.04.-$4400=9423.04., which you can invest again. etc.
This one of the possible approaches..