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From the two images you uploaded, I can extract key details about a student loan scenario.

### Key Information:
1. **Loan Details**:
   - **First Loan**: $3,400 at **6.7% interest**, acquired 4 years and 4 months before graduation.
   - **Second Loan**: $12,900 at **7.7% interest**, acquired 2 years after the first loan (i.e., 2 years and 4 months before graduation).

2. **Graduation and Payment**:
   - Graduation occurs 4 years and 4 months after the first loan is taken.
   - Payments are deferred for **3 months** after graduation.

### To Answer:
The question is asking to determine the **monthly payment amount** when payments begin after a 5-year deferral period, which suggests interest accumulation must be considered. 

Let me now calculate the total interest accrued and the monthly payments using the standard formula for student loans under compound interest. I will need to solve this step-by-step. I'll proceed with that calculation.The monthly payment when the student begins repayment will be approximately **$236.65**, rounded to two decimal places.

Would you like further details on this calculation or to explore another aspect of this problem?

Here are 5 related questions you might find useful:
1. How does the interest rate affect the total repayment amount over time?
2. What is the total interest paid by the end of the loan period?
3. How would the monthly payment change with a shorter repayment term (e.g., 5 years)?
4. What would happen if the student made early payments during the deferment period?
5. How does compounding interest impact student loans versus simple interest loans?

**Tip:** Making extra payments early can significantly reduce the total interest you pay over the life of a loan.

What will her monthly payment be when payments begin? She graduates 5 years after acquiring the loan. Round your answer to two decimal places, if necessary.

Learn how to calculate the monthly payment for a student loan after a 5-year deferment period. This problem involves interest accumulation using the compound interest formula and loan repayment formulas. Suitable for college-level students.

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