What is the pre$-$tax cost of debt for $10-$year bonds issued $3$ years ago if the current price is $101$ and the coupon rate is $6\mathrm{.}5\%?$

WACC question: Only debt & equity, no preferred. Pre$-$tax cost of debt is $5\%$ and the cost of equity is $9\mathrm{.}5\%.$ Debt$-$equity ratio: $20\%.$