The Bank of China establishes student loans for college students, which are divided into 3-4 years and 5-7 years. The annual interest rates of the loans are 6.03% and 6.21% respectively, and 50% of the loan interest is subsidized by the state finance. A college student has a loan of 20,000 yuan and pays off the principal and interest in one lump sum after 6 years. How much will he have to pay?
中国银行设立大学生助学贷款，分3～4年期，5～7年期，贷款年利率分别是6.03%和6.21%，贷款利息的50%由国家财政补贴．一个大学生贷款2万元，6年后一次性还清本息，他需付多少元？
<gadget id="calculator">2 * 10_000</gadget>
<output>20_000</output>

<gadget id="calculator">6.21 / 100</gadget>
<output>0.0621</output>

<gadget id="calculator">50 / 100</gadget>
<output>1/2 = around 0.5</output>

<gadget id="calculator">1 - (1/2)</gadget>
<output>1/2 = around 0.5</output>

<gadget id="calculator">20_000 * 0.0621 * 6 * (1/2)</gadget>
<output>3_726</output>

<gadget id="calculator">20_000 + 3_726</gadget>
<output>23_726</output>

<result>23_726</result>