Monica has a yearly salary of $36,300 . Her employer withholds $4382 in state and federal taxes and $3255 in FICA taxes throughout the year. She has the following monthly costs: transportation is $240 , cell phone bill is $50 , student loans require $230 in repayment, and rent is $675 . She is using the average monthly costs for each of the following in order to gain an idea of other monthly expenses: utilities are $120 , internet is $90 , health insurance is $363 , and groceries are $250 . What is Monica’s monthly net pay amount? Round your answer to the nearest cent, if necessary.