System.out.println("\tName: " + lastName +", " + firstAndMiddleName);
System.out.println("\tBalance Owed: "+ df.format(PV));
System.out.println("\tInterest Rate: " + apr+ "%");
System.out.println("\n\tYears" + "\tMonthly \n\t\tPayment" + "\tInterest" + "\tTotal Amount");
System.out.print("\n\tYears" + "\tMonthly \n\t\tPayment" + "\tInterest" + "\tTotal Amount");
System.out.println("\tName: " + lastName +", "