mir = annualInterestRate / 12
low = balance/12
high = (balance*(1 + mir)**12)/12
epsilon = 0.01
mp = (high + low)/2.0
ob = balance
while abs(balance) >= epsilon:
    balance = ob
    for month in range(0, 12):
        balance = (balance - mp) * (1+mir)
    if  balance > 0:
        low = mp
    else:
        high = mp
    mp = (high + low)/2.0
else: print "Lowest Payment: " + str(round(mp, 2))