Logic Error in Interest Calculator

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Java

errors

MAIN:

package loantable;
import java.util.ArrayList;
public class LoanTable
{
    private double loanAmount;
    private double loanLength;
    private double lowInterest;
    private double highInterest;
    private int count;
    ArrayList<Double> payments = new ArrayList<>();
    public LoanTable(double loanAmount, double loanLength, double lowInterest, double highInterest)
    {
        this.loanAmount = loanAmount;
        this.loanLength = loanLength;
        this.lowInterest = lowInterest;
        this.highInterest = highInterest;
    }
    public ArrayList getInterestRates()
    {
        count = -1;
        while(lowInterest <= highInterest)
        {
            double monthlyInterest = lowInterest / 12.0;
            double length = loanLength * 12;
            double c = Math.pow((1 + monthlyInterest), length);
            double monthlyPayment = (loanAmount * monthlyInterest * c)/ (c - 1);
            payments.add(monthlyPayment);
            lowInterest += .25;
            count++;
        }
        return payments;
    }
    public String to()
    {
        String theory = "";
        double currentInterest = highInterest;
        ArrayList<Double> t = new ArrayList<>();
        t = getInterestRates();
        while(count >= 0)
        {
            theory = theory + "\n" + "Interest Rate: " + currentInterest + " Monthly Payment: " +  t.get(count);
            count--;
            currentInterest -= .25;
        }
        return theory;
    }
}

TESTER:

package loantable;

import java.util.Scanner;

public class LoanTableTester 
{
    public static void main(String[] args)
    {
        Scanner sc = new Scanner(System.in);
        System.out.print("Principal: ");
        double loanAmount = sc.nextDouble();
        System.out.print("\nTime: ");
        double time = sc.nextDouble();
        System.out.println("\nLow Rate: ");
        double lowRate = sc.nextDouble();
        System.out.println("\nHigh Rate: ");
        double highRate = sc.nextDouble();
        LoanTable t = new LoanTable(loanAmount, time, lowRate, highRate);
        System.out.println(t.to());
    }
}

CONSOLE:

Principal: 100000
Time: 30
Low Rate: 
11
High Rate: 
12
Interest Rate: 12.0 Monthly Payment: 100000.0
Interest Rate: 11.75 Monthly Payment: 97916.66666666666
Interest Rate: 11.5 Monthly Payment: 95833.33333333334
Interest Rate: 11.25 Monthly Payment: 93750.0
Interest Rate: 11.0 Monthly Payment: 91666.66666666664

CORRECT ANSWER:

Principal = $100000.00

Time = 30 years

Low rate = 11%

High rate = 12%

 11.00 952.32

 11.25 971.26

 11.50 990.29

 11.75 1009.41

 12.00 1028.61

FORMULA:

The formula for determining payments is:
(p * k * c)/ (c - 1)

p = principal, amount borrowed

k = monthly interest rate (annual rate/12.0)

n = number of monthly payments (years * 12)

c = (1 + k)^n

a = monthly payment (interest and principal paid)

I have tried everything I can think of, not sure what is causing this logic issue! Please help, any tips or ideas are greatly appreciated.