<?php
	error_reporting(-1);
	$credit=39999;
	$payment=5000;
	$persent=1.04; //3%
	$service=500;
	$total=0;
	$mon=0;
		for ($credit; $credit>0; $credit=$absoluteCredit-$payment)
		{
			$absoluteCredit=$credit*$persent+$service;
			if ($absoluteCredit<$payment)
				{	
					$mon++;
					$total+=$absoluteCredit;
					break;
				}
			$mon++;
			$total+=$payment;
		}
	echo "Он отдал долг за $mon месяцев и заплатил: $total."
?>