with a loan of 132794.68 what is the lowest interest rate that I can use to have a montlhy payment lower than?

with a loan of 132794.68 what is the lowest interest rate that I can use to have a montlhy payment lower than 822.00 and pay off loan within 20 years. I am told I can use the amortization formula but i’m hitting a wall here.please help lol I’ve been putting this off for a week and now I’ve gota figure it out by tonight. tnx

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