Now suppose Annabelle decides to buy a gently used car instead of a new car. She knows she can set aside $200 a month from her job to pay for the loan. The used car dealership she researched is offering an annual interest rate of 4.8%, compounded monthly. Car loans usually come in 3-year or 5-year terms. Calculate the loan amount she can take out using these values for a 5-year and a 3-year loan, assuming her monthly payment is $200.