Kayla takes out a $$20,000$ loan. The loan has an annual interest rate of $6\%,$ with interest compounded SEMI$-$ANNUALLY. Both the principal and interest will be repaid when the loan comes due in $5$ years. How should Kayla compute how much she will owe in total when the loan comes due in $5$ years?

Question $9$ options:

Calculate the FUTURE VALUE with i $=6\%,$ n $=5,$ PMT $=0$ and PV $=20000$

Calculate the PRESENT VALUE with i $=3\%,$ n $=10,$ PMT $=0$ and FV $=20000$

Calculate the PRESENT VALUE with i $=6\%,$ n $=5,$ PMT $=0$ and FV $=20000$

Calculate the FUTURE VALUE with i $=3\%,$ n $=10,$ PMT $=0$ and PV $=20000$