It says in this question that the monthly payments start the month after the car was bought, do we have to use 71 months in the equation or 72?

Suppose you take out a loan for $26,800 to purchase a 2017 Nissan Altima. Nissan offers $500 cash back (which you use as part of the down payment), and you also put $2,000 of your own money down (so a total down payment of $2,500). The loan is for six years at 3.75% interest with monthly payments, and monthly payments begin one month after purchasing the car.

After two years of payments (24 payments), what is the principle remaining on the loan? (This is the payoff amount needed to buy the car after two years of payments). As always, do not round computations until reporting the final answer. Round the final answer to the nearest $0.01.