Erik borrowed $$23,762$ for $6\mathrm{.}0$ years. For the first two and a half years, the interest rate on the loan was $8\mathrm{.}4\%$ compounded monthly $($j$12).$ The rate then became $7\mathrm{.}5\%$ compounded semi$-$annually $($j$2).$ What total amount was required to pay off the loan at the end of the term? Round your answer to $2$ decimal places.