$[$SOA $21$; SOA$-$IT:$026]$ Seth, Janice, and Lori each borrow $5000$ for five years at an annual nominal interest rate of $12\%,$ compounded semi$-$annually.

Seth has interest accumulated over the five years and pays all the interest and principal in a lump sum at the end of five years.

Janice pays interest at the end of every six$-$month period as it accrues and the principal at the end of five years.

Lori repays her loan with $10$ level payments at the end of every six$-$month period.

Calculate the total amount of interest paid on all three loans.