Loop is not working correctly , Loops right the first time but not the rest--- Frustrated

I am trying to get this program to display 3 different types of Loans in an amoritiization table.  The first loan does what it is supposed to do however the other two loans are not working correctly.  I have been looking at this for hours now and I am about to give up.  I am sure that one of my loops is not correct however, I can not figure this out.  Before you point out that this is homework you are correct, however, I have tried and I did look through many other solutions and tried comparing it to what I have and I still can not get it to work.  Please help, I am sure it is something really stupid that I am missing!!!!

Here is the Program:

import java.io.*;

class Mort4
{                              // program name: Mortgage4


    public static void main(String[] arguments) throws IOException {      // start main() function

        BufferedReader in = new BufferedReader(
        new InputStreamReader(System.in)); {


/*define the variables and declare values where appropriate.  Arrays used to handle 3 options: 7 year loan at 5.35% interest,
 *15 year loan at 5.5% interest, and 30 year loan at 5.75% interest
 */

            double principal = 200000;                        // principal amount of loan, set to $200000
            double [] interestRateY  = {5.35,5.5,5.75};            // annual interest rate (percentage), array
            int  [] termY = {7,15,30 };                        // length of loan in years, array
            double balance;
            double monthlyPayment = 0;                              // monthly payment, the result of final calculation
            int termM = 0;                                    // length of loan in months to be calculated
           double interestRateM;                               // monthly interest rate to be calculated
            double remainingBalance = principal;                  // remaining balance of loan after payment, initially set to principal
            double monthlyInterest = 0;                        // the amount of payment applied to interest, initially set to 0
            double monthlyPrincipal = 0;                        // the amount of payment applied to principal, initially set to 0
            int counter = 0;                              // display 15 lines of results



            // format to display only two decimal places
            java.text.DecimalFormat dec = new java.text.DecimalFormat(",###.00");

            // Displays title and basic loan information to user
            System.out.println("\n\n\t Mortgage Payment Calculator \n\n" +
            "\n Amount of Loan: \t$" + dec.format(principal));


            // loops through the first set of arrays and display interest rate, term, and payment

            for ( int i = 0; i< termY.length; i++)      {

                // Calculation to find the number of months of the loan (termM)

                termM = (termY[i] * 12);

                // Calculation to find the monthly interest rate (interestRateM)

                interestRateM = (interestRateY[i]/12)/100;



                // Calculation to find the amount of the monthly payment


                monthlyPayment = (principal * interestRateM) /(1 - Math.pow(1 + interestRateM, - termM));

                // Displays monthly mortgage payment based on calculation
                System.out.println("\n\nThe monthly payment "  +
                "for a " + termY [i] + " year loan at " + interestRateY [i] + " % interest " +
                "will be: " +
                "$" + dec.format(monthlyPayment));

            } // End for loop
            // Pause program so that display can be read and user can continue when they choose

            System.out.print("\nPress Enter to Continue");
            in.readLine();

            // Loop to create the amortization table for each of the loans

            for ( int i = 0; i< termY.length; i++)      {
                  //balance=principal; //added by gretchen


                // Calculation to find the monthly interest rate (interestRateM)
                 interestRateM = (interestRateY[i]/12)/100;
                 // Calculation to find the number of months of the loan (termM)
                termM = (termY[i] * 12);

                // Calculation to find the amount of the monthly payment


                monthlyPayment = (principal * interestRateM)/(1 - Math.pow(1 + interestRateM, - termM));

                // Display loan information for the amortization schedule that is being displayed
                System.out.println("\n\nThe following is the amortization schedule for a " + termY [i] + " year loan at "

                + interestRateY [i] + "%" + " interest.");


                // formats column headers for results to be displayed
                System.out.println("\n\n\nPayment\t\tPrincipal\t\tInterest\tRemaining");
                System.out.println("Month\t\tPayment\t\t\tPayment\t\tBalance");
                System.out.println("---------\t---------\t\t---------\t---------");

                // Calculation to find the monthly interest rate (interestRateM)

                interestRateM = (interestRateY[i]/12)/100;

                // calculation for interest and principal payment
                monthlyInterest = (remainingBalance * interestRateM);
                monthlyPrincipal = (monthlyPayment - monthlyInterest);


                //Loop through the arrays
                for(int j = 0; j < termM; j++)
                {

                    // calculation for remaining interest and principal payments
                    monthlyInterest = (remainingBalance * interestRateM);
                    monthlyPrincipal = (monthlyPayment - monthlyInterest);
                    remainingBalance = (remainingBalance - monthlyPrincipal);


                    // data for display
                    System.out.println( (j + 1) + "\t\t$" + dec.format(monthlyPrincipal) +
                    "\t\t$" + dec.format(monthlyInterest) +
                    "\t\t$" + dec.format(remainingBalance));


                   counter++;

                    if(counter == 15)

                    {
                        System.out.print("\nPress RETURN To Continue:");
                        byte[] buffer = new byte[15];
                        System.in.read(buffer);
                        counter = 0;
                        System.out.println("\n\n\nPayment\t\tPrincipal\t\tInterest\tRemaining");
                        System.out.println("Month\t\tPayment\t\t\tPayment\t\tBalance");
                        System.out.println("---------\t---------\t\t---------\t---------");
                    }
                }
            }
        }


    }   // end main
}