answer and steps please

Hui Tan has borrowed $25,000 from his local bank. The loan will cost him 12% per year for the first 7 years and 4% per year for the next 15 years. The interest is compounded annually. At the end of the 22 years, the amount he will have to repay is closest to: O a. $50,145.31 O b. $99,532.81 O c. $135,913.51 O d. $100,290.62 O e. $302,507.75