If claire does not make any payments, how much will she owe after ten years? claire wants to take out a small personal loan to renovate her kitchen. she borrows $3,000. her loan has an annual compound interest rate of 15%. the loan compounds once each year. when you calculate claire’s debt, be sure to use the formula for annual compound interest. a = p (1+)nt a. $12,136.67 b. $3,481.24 c. $6,090.90 d. $3,232.74