You have just graduated from college and purchased a car for $8000. Your credit limit is  $20,000. Assume that you make no payments and purchase nothing more and that there are no other fees. The monthly interest rate is 12%. Find the y-intercept for the exponential function which represents  how much you will owe (represented by y) after x months with no more purchases or payments. a. (0, 20,000) c. (0, 8000) b. (8000, 0) d. (20,000, 0)