extended contract plan where you pay 14% interest on the base amount, paid in monthly installments with the option to pay off in full after 2 years with no additional interest. But after year 1 an additional amount was tacked on with the same agreement, but with 2 years remaining, same 14% of calculated separately and added to the monthly fee... now trying to figure out balance if paid now, if paid at year 2, the actual balance owed seeing as how the monthly installment changed after year one, and numbers not adding up, going in circles...