A loan of 5,000 is repaid by making semiannual interest payments to the lender at a nominal rate of interest of 10% per annum compounded semiannually; and making quarterly sinking fund deposits that will accumulate to the original loan amount at the end of 5 years. The sinking fund earns a nominal rate of interest of 6% per annum compounded monthly. Find the net amount of the loan at the end of 3.5 years.