Adam, Ethan and Hailey each borrows 10,000 for 5 years at a nominal interest rate interest rate of 6%, compounded semi-annually.

- Adam just pays the interest accumulated and principal at the end of 5 years.

- Ethan just pays the interest accumulated every 6 months and pays the principal at the end of 5 years.

- Hailey uses a level-payment annuity.

Calculate the average amount of interest paid on all three loans.

Please show detailed steps, thank you!