java mortgage code

My program below runs great but my teacher does not like the following. He wants me to "use variable name that mean something" instead if
H = P * J;
C = M - H;
Q = P - C;
P = Q;
 I asked him what he means and he never answered back. Can any one help me???




//class MortgageCalculator5

import java.math.*; //*loan calculator
import java.text.*; //*formats numbers


class MortgageCalculator5{
public static void main(String arguments[]) throws Exception
{
//Program variables

double Rate[] = {.0575, .0550, .0535};
int N[] = {360, 180, 84};

for (int i=0; i<3; i++) { //step thru array

double P = 200000;//*Loan amount
double J = Rate[i] /12; //*Monthly interest
double discount = (Math.pow((1 + J), N[i]) - 1) / (J * Math.pow((1 + J), N[i]));
double M = P / discount; //* Monthly payment calculation
double H;//*Current monthly interest
double C; //*Principal payment each month minus interest
double Q;//*New balance of loan

//*Output for monthly payment
java.text.DecimalFormat dfm = new java.text.DecimalFormat(",###.00");
System.out.println("Your payment for the " +N[i]+ " month loan is $" +dfm.format(M));

for (int a=0; a < N[i]; a=a+1) { //*For loop

H = P * J;
C = M - H;
Q = P - C;
P = Q;

if (a % 6 == 0) {
System.out.println("Press return to continue");
System.in.read(); //causes the program to wait for a keypress
}
System.out.println (" Principal paid this month is $" + dfm.format(C));
System.out.println (" Interest paid this month is $" + dfm.format(H));
System.out.println (" New loan balance is $" + dfm.format(Q));

}
}
}
}