Use the example above and determine the fraction of total interest owed. after the fifth month of a 12-month loan: the numerator is: {(n + ) + (n + ) + (n + ) + (n + ) + (n + )} = , and the denominator is: {(n) + (n + 1) + + (n + )} = . therefore, the fraction is numerator/denominator (to the nearest tenth) = %.