Today marks 2 months since Juan Pablo obtained a loan for $ 40,000 with an interest rate of 28%, compounded each quarter and maturing in 5 months. Also, today the term of a promissory note with maturity value of $ 36 356 expires.

If instead of settling the overdue note, a credit of $ 20,000 is given and it is agreed to fully settle the debt by means of another payment within 6 months, how much will this payment be if the interest rate is set at 30% per annum, capitalized each month?