<?php

error_reporting(-1);

$creditBalance = 40000; 
$percent = 1.03;
$servicePayment = 1000; 
$monthlyPayment = 5000; 
$paymentTotal = 0; 
for ($month = 1; $month <= 20; $month ++) {
	
	$creditBalance = ( $creditBalance * $percent ) + $servicePayment - $monthlyPayment;
	$paymentTotal = $paymentTotal + $monthlyPayment; 
      if ($creditBalance < 0) {
          echo "С меня хватит!\n";
          $paymentTotal= $paymentTotal + $creditBalance;
	$creditBalance=0;
	echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб. \n";
          
          break;
      }
}