Any statistics expert help me solve this problem
On January 1, 2009, Heather owed $12,060 to her friend James, who was kind enough not to charge Heather any interest. Each month during 2009, Heather paid James some of the money she owed. If Heather still owed James $3,936 on January 1, 2010, what was the average amount of Heather's monthly payments?
