$19.$ Ms$.$ Madison has an existing loan with payments of $$782\mathrm{.}34.$ The interest rate on the loan is $10\mathrm{.}5\%$ and the remaining loan term is $10$ years. The current balance of the loan is $$57,978\mathrm{.}99.$ The home is now worth $$120,000$ and Ms$.$ Madison would like to borrow an additional $$30,000$ through a second or wraparound mortgage which would increase the debt to $$87,978\mathrm{.}99.$ Terms of the second loan are $12\mathrm{.}25\%$ interest with monthly payments for $10$ years. If she carries the two loans to maturity what will be the effective interest rates on the combined loans?