An $80,000 Loan Is Amortized by Monthly Payments Over 25

An $80,000 loan is amortized by monthly payments over 25 years. The interest rate charged is 10% compounded semi-annually.
-What will the principal balance be after three years?

A) $77,400.72
B) $65,965.72
C) $78,898.93
D) $76,532.48
E) $79,617.86