Micah took out a student loan for $20,000, which began accruing interest immediately. He has chosen not to begin payment of the loan until he finishes his schooling. The table shows the balance of the loan while Micah is in school. Months Loan Balance 6 $20,608 12 $21,234 18 $21,879 24 $22,543 30 $23,228 36 $23,934 Assuming that the relationship is exponential, which is the best estimate of the loan balance after 4 years?