Fourteen years and three quarters ago, you took out a $30-$ year loan of $$300,000$ with monthly payments. The loan has a $7\mathrm{.}5\%$ APR with semi$-$annual

compounding. What is the ratio of payment that goes towards interest payment on the loan in the past year?

$66\mathrm{.}25\%$

$63\mathrm{.}58\%$

$57\mathrm{.}54\%$

$68\mathrm{.}73\%$