Hello, thank you for taking the time to post your question!
Typically for a complicated time value of money question like this you want to use something like a financial calculator or spreadsheet software to solve for the =PMT( ) value. When I do that for this set of information using
Loan Amount: $37,000
APR: 12.25%
Loan Term: 5 years
I end up with a PMT value of $835.80 for the underlying monthly payment.
Since it’s asking for the overall total amount then you just want to scale that by the total number of months for this scenario of 5 years. That means taking
$835.50 x 5 x 12 = $50,148
So the total amount of money paid in over the 5 year period would be $50,148.
I hope that helps get you moving in the right direction! Feel free to reach out if you have any additional questions beyond that :)
