the people who repaid his loan at a variable interest rate was : Gary
who paid $ 37 each month for the first 6 months and $ 67 for the next 6
months.
When you pay with variable interest rate, the total interest
will change from time to time. As we see, there are a difference of
payment from the first 6 months compared to the next 6 months,
indicating a different interest rate.
