23 points asap hanna arranged financing for her bachelor’s degree. she borrowed $5,000 as a student loan backed by the federal government, and she also received a grant of $3,000 for books and supplies. hanna is also in the top 3% of her high school class and was awarded a $15,000 scholarship for her academic achievements. lastly, hanna took out a private loan for $6,000.

not counting any interest hanna may have to pay, how much of her financing is she required to pay back?