James has a balance of $1,230 on his credit card that has an APR of 24%. He currently pays the minimum monthly payment of $30.75. If James wants to pay off his balance in 18 months, determine the monthly payment he would need to make. Choose the following modification with the least cuts to his current expenses that will allow James to pay off his balance in 18 months. Income Wages $3,015.00 Expenses Rent $1250.00 Utilities $432.45 Food/Clothes $345.00 Entertainment $255.00 Car $36