A friend of yours just bought a new spots car with a $5,000 down payment, and her $30,000 car loan is financed at an interest rate of 0.75% per month for 48 months. After 2 years, the "blue book" value of her vehicle in the used-car market place is $15,000. how much does your friend still owe on the car loan immediately after she makes her 24th payment? Compare your answer to part (a) to $15,000. What can she do about it?