Obuor a level 100 student at the university plans to take 5000 for each academic year and this amount will attract an interest of 15% annually compounded quarterly . How much will he owe the loan company after his four year study if he plans to take the loan at the start of each academic year ?

Evelyn a student at the university took student loan for four year study at the university she plans to take 4000 for first year and the amount would increase by 10% each year till she completes her study assume interest rate to be 20% per year compounded annually. How much will she owe the loan company after her four year study if she plans to take the loan at the start of each academic year?