A $125,000 loan at 6.0% compounded semiannually will be repaid by monthly payments over a 20-year amortization

Question:

A $125,000 loan at 6.0% compounded semiannually will be repaid by monthly payments over a 20-year amortization period.
a. Calculate the interest component of Payment 188.
b. Calculate the principal component of Payment 101.
c. Calculate the reduction of principal in Year 1.
d. Calculate the reduction of principal in Year 20.