Some lenders offer fifteen$-$year home loans. Investigate the effect of the term on home loans by finding the monthly payment and total interest for a simple interest amortized loan of $$100,000$ at $10\%$ if the term is the following period of time. $($Round your answers to the nearest cent.$)$

$($a$)$ thirty years

payment $

total interest $

$($b$)$ fifteen years

payment $

total interest $