uai takes out a $3200$ student loan at $6\mathrm{.}8\%$ to help with years of community college. After finishing the years, Huai transfers to a state university and borrows another $12,500$ to defray expenses for the semesters needed to graduate. Graduation is years and months after acquiring the first loan and payments are deferred for months after graduation. The second loan was acquired years after the first and had an interest rate of $.$ Find the total amount of interest that will accrue until payments begin if the first loan is subsidized and the second is not. Calculate daily interest using days per year. Calculate monthly interest using days per month. Calculate the total interest using the number of months. Round intermediate values to two decimal places.