Huai takes out a$3200student loan at6.8%to help him with2years of community college. After finishing the2years, he transfers to a state university and borrows another$12,100 to defray expenses for the5semesters he needs to graduate. He graduates4years and4months after acquiring the first loan and payments are deferred for3 months after graduation. The second loan was acquired2years after the first and had an interest rate of7.5%. Find the total amount of interest that will accrue until payments begin if the first loan is subsidized and the second is not.