Mike wants to buy a new car and pay it off in a decent amount of time. He is willing to initially put a down payment of $10,000 today. The car salesman says that he can give Mike a loan for the rest of the car for $250 a month for the first 6 months at an interest rate of 8%. The following 10 months will have an interest rate starting at 10% and will increase at 2% for every month after. What is the value today of the total sum that Mike will end up paying with this loan plan?