Lulu took out a 3-year loan for $1800 at an electronics store to be paid back with monthly payments at a 15.6% APR, compounded monthly. If the loan offers no payments for the first 8 months, how much will Lulu owe when she begins making payments?
A. $2865.58
B. $2584.26
C. $1800.00
D. $1995.94