Common Sense is correct - if you say I want to payoff my loan today and be rid of you ante up $12,657.83
If you like paying interest or can't afford to pay Ebeneezer then
you owe $16,613.29 until your next payment is due with interest
The previous answer is incorrect. You owe as of today the 12,657. If you make all the payments you will pay 16,613.