the interest has been repaid by 11, yuan, the principal part is 23,9 yuan, and the remaining principal is 42, yuan
If there is no penalty, that's all. If there is penalty, it will be increased by about 1,5 yuan.
it's best to consult the lender to see how much money is still to be paid. The calculation method of each unit may be different. If the other party does not charge by interest every month, but by handling fee, then it may be calculated according to your method 2.