balance = 5000
annualInterestRate = 0.2
payment = 0
month = 0
newBalance = balance

if newBalance > 0:
    payment += 10
    while month < 12:
        newBalance = (newBalance - payment) * (1 + annualInterestRate / 12)
        month += 1

else:
    print ('Lowest Payment: ' + str (payment))