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To solve the calculations in the provided spreadsheet, let's break down the information and compute the missing values for the "Total Cost" and "Total Interest Paid" using the available data. Here's how to proceed step-by-step:

### Given Information:
- **Car Negotiated Price**: \$46,789.00
- **Down Payment (10%)**: \$4,678.90
- **Trade-In Value**: \$500.00
- **Loan Amount**: \$41,610.10
- **APR**: 4.80% to 4.91% depending on the column
- **Effective Rate**: Matches the APR but in different forms
- **Term**: 36, 48, 60, or 72 months
- **Payments per Year**: 12 or 24
- **Compounding Periods**: 12 or 2
- **Payment per Month**: Varies based on term and APR

### To find:
1. **Total Cost (not including trade-in value)**: Sum of all payments made over the term.
2. **Total Interest Paid**: Difference between the total payments and the principal amount.

Let's illustrate the formula to find these two missing values for one of the columns (you can then apply this method to the other columns):

#### Step 1: Total Cost Calculation
The total cost of the loan can be calculated by:
\[ \text{Total Cost} = \text{Payment per Month} \times \text{Term (in months)} \]

For example, if the monthly payment is \$1,008.68 over a 36-month period:
\[ \text{Total Cost} = 1,008.68 \times 36 = 36,312.48 \]

#### Step 2: Total Interest Paid Calculation
The total interest paid is calculated by:
\[ \text{Total Interest Paid} = \text{Total Cost} - \text{Loan Amount} \]

Continuing with our example:
\[ \text{Total Interest Paid} = 36,312.48 - 41,610.10 \approx -5,297.62 \]

Note that this negative value indicates a potential discrepancy, possibly due to different interest rates or payment structure (APR vs. Effective Rate).

Would you like more details on a specific calculation or a deeper explanation on how these numbers relate to the formulas used?

### Relative Questions:
1. How do different APR values affect the total interest paid over various loan terms?
2. What is the significance of the effective rate in calculating loan payments?
3. How does the frequency of payments per year impact the total cost of the loan?
4. Why might the term of a loan (number of months) influence the monthly payments?
5. How do trade-in values play a role in reducing the overall loan amount?

**Tip:** Always double-check the effective rate conversion from APR, as it can significantly impact your interest calculations.

Learn how to solve loan amortization problems with calculations for total cost and total interest paid. This example covers how APR, loan terms, and monthly payments affect overall loan amounts. Suitable for finance students or personal finance enthusiasts.

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