The annual interest rate is 5.15%, so the semiannual interest rate is half of that:
$$
r_s = \frac{5.15\%}{2} = 2.575\%
$$
Since the loan is for 30 years and it's compounded semiannually, there will be:
$$
n = 30 \times 2 = 60
$$
compounding periods.
Now, we
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