class Loan:
    def __init__(self, annualInterestRate = 2.5, 
                 numberOfYears = 1, loanAmount = 1000, borrower = " "):
        self.__annualInterestRate = annualInterestRate
        self.__numberOfYears = numberOfYears
        self.__loanAmount = loanAmount
        self.__borrower = borrower

    def getAnnualInterestRate(self):
        return self.__annualInterestRate

    def getNumberOfYears(self):
        return self.__numberOfYears

    def getLoanAmount(self):
        return self.__loanAmount

    def getBorrower(self):
        return self.__borrower

    def setAnnualInterestRate(self, annualInterestRate):
        self.__annualInterestRate = annualInterestRate

    def setNumberOfYears(self, numberOfYears):
        self.__numberOfYears = numberOfYears

    def setLoanAmount(self, loanAmount):
        self.__loanAmount = loanAmount

    def setBorrower(self, borrower):
        self.__borrower = borrower

    def getMonthlyPayment(self):
        monthlyInterestRate = self.__annualInterestRate / 1200
        monthlyPayment = \
          self.__loanAmount * monthlyInterestRate / (1 - (1 / 
          (1 + monthlyInterestRate) ** (self.__numberOfYears * 12)))
        return monthlyPayment

    def getTotalPayment(self):
        totalPayment = self.getMonthlyPayment() * \
            self.__numberOfYears * 12
        return totalPayment