Please calculate the present value of each amount in the scenarios, rounded to the nearest dollar. Note that the interest rates are compounded annually.

Jacob takes out a student loan at an interest rate of $6\mathrm{.}0\%.$

Jacob plans to make no payments before paying $$10,358$ to ${?}^9$ his lender after three years to pay off the loan.

Tommy buys a government$-$issued bond. The bond has a rate of $1\mathrm{.}0\%,$ and he will receive $$4,762$ when he cashes it in in five years.

Steve takes out a small business loan to open a deli. The loan has a rate of $8\mathrm{.}0\%.$ Steve will repay the loan with a single payment of $$14,681$ made in six years.