Annette borrows $$6,000$ at an annual nominal rate of $8\%$ convertible semiannually and will repay the loan with decreasing payments every six months for $10$ years.Her first payment will be P at the end of six months and each subsequent payment will be $$25$ less than the preceding payment.Annette makes the scheduled payments during years $1$ and $2,$ however, she is unable to make the payments during years $3$ and $4.$She makes the originally scheduled payments in years $5-10.$How much does Annette owe on the loan at the end of year $10?$