A college student borrows $2500 each semester for 4 years. Each loan gains interest, compounded monthly, at 2.5%. It is borrowed at the end of August and at the end of December each year. The student begins to pay back he student laons at the beginning of September 4 years after the first loan was taken out. The student agrees to make monthly payments for 10 years at an interest rate of 2.5%. How much money will the student pay back, and how much of the money paid back is interest.