$89 for 90-day deferral beyond the 90 days, .1257%
$69 for loan set up
24.9% interest on outstanding balance
1.75%/month transaction fee ( x12 = 21.00%)
Essentially, 45.90% annually/ 12 months = 3.825%

For daily interest it should be principal + ((24.9/36500) * 1091.47) * 90 = 1158.48
If it were monthly interest it would be (((24.9/1200) * 1091.47) * 3) + 1091.47 = 1159.41
 

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