Ryan takes out a loan L that is payable over a period of n years with the nominal rate of interest being 6% convertible semi-annually. He makes a payment once every six months with the first being six months from today. Each of the 2n payments contain an equal amount of principal. The amount of interest contained in payment number n + 1 is 2805, and the total amount of interest paid is 98175. If the loan can alternatively be repaid by end of year payments of X for n years, find the amount of increase in total interest paid.