I have a car loan with a company that refunds interest using the rule of 78 when paid in full ...

  

(1) 47 month loan paid in full after 33 months. Find the refund fraction used to calculate the amount of refund.

(2) I have a car loan with a company that refunds interest using the rule of 78 when paid in full ahead of schedule. i will use my bones to pay off my car which is on a 41 month loan. The total interest for the loan is 2318 and I have 16 more payments to make. How much finance charge will i get credit for if i pay the loan in full immediately?