Santo plans to invest his money for 10 years for his son's university education. His son Brian is 10 years old and plans on attending Concordia when he is 20 years old. Santo has just deposited $20,000 into his Tax-Free Savings Account (TFSA). He expects to earn a rate of 4%, compounded monthly for the first 6 years, and 3.5%, compounded quarterly thereafter. How much money will Santo have in 10 years?