monthlyInterestRate = annualInterestRate/12
lowBnd = balance/12
upBnd = (balance * (1 + monthlyInterestRate)**12)/12
payment = (lowBnd + upBnd)/2.0
MP = 12
remaining = (balance)
while balance > 0.00:
    balance = remaining
    MP = 0
    while MP < 13:
        if balance <= 0.0:
            lowBnd = payment
        else:
            upBnd = payment
            MP = MP + 1
            balance = (balance - ((lowBnd + upBnd)/2.0)) * (1 + monthlyInterestRate)

print 'Lowest Payment: ', +(round(payment,2))