No excel please use formula

Alex takes out a $100,000 loan for 12 years. The applicable annual effective interest rate (11) is a promotional rate of 3% for the first two years and 6.5% for the remainder of the loan term. Alex makes payments at the end of each year. Alexs payments increase by 8% each year. (a) Find the amount of the first payment. (b) Find the balance of the loan immediately following his 6th payment.