#include <iostream>
using namespace std;

double paymentCheck (double, double);
double totalPaid (double, double, double);

int main() {
    double loan = 0, loanTwo, rate = 0, rateTwo = 0, payment = 0, paymentTwo = 0, total = 0, totalTwo = 0;
    cout<<"What is the loan amount of the first loan, the annual interest rate, and the monthly payment? \n";
    cin>> loan >> rate >> payment;
    while(paymentCheck(loan, rate) > payment){
            cout<<"The monthly payment is too low. Enter a higher amount. \n";
            cin>> payment;
        }
    total = totalPaid(loan, rate, payment);
    cout<< "\n";
    cout<<"What is the loan amount of the second loan, the annual interest rate, and monthly payments? \n";
    cin>> loanTwo >> rateTwo >> paymentTwo;

    while(paymentCheck(loanTwo, rateTwo) > paymentTwo){
            cout<<"The monthly payment is too low. Enter a higher amount. \n";
            cin>> paymentTwo;
        }
    totalTwo = totalPaid(loanTwo, rateTwo, paymentTwo);
    cout<<"\n";

    if (loan > loanTwo){
        cout<<"Difference between the two loans is " << (loan-loanTwo) << " with the first loan being the bigger amount. (" << loan << " vs " << loanTwo << ") \n";
        } else if (loan < loanTwo){
            cout<<"Difference between the two loans is " << (loanTwo-loan) << " with the second loan being the bigger amount. (" << loan << " vs " << loanTwo << ") \n";
            } else {
                cout<<"The loans are the same amount. (" << loan << " vs " << loanTwo << ") \n";
    }

    if (rate > rateTwo){
        cout<<"Difference between the two rates is " << (rate-rateTwo) << " with the first rate being the bigger amount. (" << rate << " vs " << rateTwo << ") \n";
        } else if (rate < rateTwo){
            cout<<"Difference between the two rates is " << (rateTwo-rate) << " with the second rate being the bigger amount. (" << rate << " vs " << rateTwo << ") \n";
            } else {
                cout<<"The rates are the same amount. (" << rate << " vs " << rateTwo << ") \n";
    }

    if (payment > paymentTwo){
        cout<<"Difference between the two payment is " << (payment-paymentTwo) << " with the first payment being the bigger amount. (" << payment << " vs " << paymentTwo << ") \n";
        } else if (payment < paymentTwo){
            cout<<"Difference between the two payments is " << (paymentTwo-payment) << " with the second payment being the bigger amount. (" << payment << " vs " << paymentTwo << ") \n";
            } else {
                cout<<"The payments are the same amount. (" << payment << " vs " << paymentTwo << ") \n";
    }

    cout<< "This is what you pay in total for the first loan. : " << total << " \n" << "This is what you pay for in total for the second loan. : " << totalTwo << " \n";

    if (total > totalTwo){
        cout<<"Difference between the two totals is " << (total-totalTwo) << " with the first total being the bigger amount. (" << total << " vs " << totalTwo << ") \n";
        } else if (total < totalTwo){
            cout<<"Difference between the two total is " << (totalTwo-total) << " with the second total being the bigger amount. (" << total << " vs " << totalTwo << ") \n";
            } else {
                cout<<"The totals are the same amount. (" << total << " vs " << totalTwo << ") \n";
    }
    return 0;
}

double paymentCheck (double loan, double rate){
    double interest = ((rate/100) / 12) * loan;
    return interest;
}

double totalPaid (double loan, double rate, double payment){
    double amount = 0;
    double monthlyRate = (rate/100) / 12;

    while (loan >= payment){
        loan = ((loan * monthlyRate) + loan) - payment;
        amount = amount + payment;
        }
        amount = amount + loan;
    return amount;
}