Tommy is attending a 4-year college. As a freshman, he was approved for a 12-year, federal unsubsidized student loan in the amount of $9,250 at 4.02%. He knows he has the option of beginning repayment of the loan in 4.5 years. He also knows that during this non-payment time, interest will accrue at 4.02%. Suppose Tommy pays the interest over the 4.5 years while in school. What will his monthly payment be for the term of the loan?