ok verified it working
362.68 = 15K * ( .00625 / (1 - (1 + .00625)^ -48))
but the worded answer would be thats the magic number where after 48 months of your principal balance payments that keep going up and interest payments go down, finally make the balance hit zero.
or the even sorter answer could be: fancy math crap
I'll take my hand written thank you in the form of a thank you forum post, if I satisfied the requirements.