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A debt of $6,000 accumulated interest at 4.0% compounded monthly for 15 months, after which the rate changed to 8.5% compounded semiannually for the next

A debt of $6,000 accumulated interest at 4.0% compounded monthly for 15 months, after which the rate changed to 8.5% compounded semiannually for the next six months. What was the total amount owed at the end of the entire 21-month period?

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