public class Test {

  public static void main(String[] args) {
    // all amounts of money in cents or pennies
    int p = 10000; // initial loan = $100.00
    int a = 2000; //monthly repayment = $20.00
    double i = 2.5; // monthly interest per cent
    int interest; // due each month
    int cumulativeInterest = 0;
    int unpaid = p;
    int payment;
    int monthCount = 0;
    while (unpaid > 0) {

      interest = (int) (unpaid * i / 100.0); // truncates cents

      cumulativeInterest += interest;
      unpaid += interest;
      payment = a;

      if (unpaid > payment) {// normal payment
        unpaid -= payment;
      } else { // final payment
        payment = unpaid;
        unpaid = 0;
      }
      monthCount++;
      System.out.println("Interest = " + interest / 100.0 + " Cumulative interest = " + cumulativeInterest / 100.0 + " Payment = " + payment / 100.0 + " Outstanding = " + unpaid / 100.0);
    }
    System.out.println("Paid off in " + monthCount+" months");
  }
}