A $$15,000$ loan with interest being charged at $10\%$ compounded quarterly was made $2\mathrm{.}5$ years ago and is due in two years. The debtor is proposing to settle the debt by a payment of $$5,000$ today and a second payment in one year that will place the lender in an equivalent financial position, given that money can now earn only $6\%$ compounded semiannually.