This is a code that won't let me use 'b'. I can't figure out where the syntax error is.

problem set one.

outbal= float(raw_input('enter the outstanding balance on your credit card:'))
annualrate= float(round(raw_input('Enter the annual credit card interest rate as a decimal:')), 2)
monthlyrate= round(annualrate/year, 2)
month=1
x = 1
while y > 0:
    while month <= 12:
        a = round(float(((annualrate /12)*outbal)+outbal, 2)
        y = round(float(a - x10))
        print "Outbal minus payment equals:" d
    if y >= 0:
        month = month + 1
        outbal = y
if y > 0:
    x = x + 1
Else:
    if y <= 0
        print 'Monthly payment to pay off debt in 1 year:', a
        print 'number of months needed:', month
        print 'Balance:' b