An original loan of $6,500 has accumulated to $10,093.14 based on 9.2% interest compounded annually. The loan is five years old.

Using the formula for compound interest, A = P(1 + r/n)^(nt), where A is the amount of money accumulated after n years, including interest, P is the principal amount ($6,500), r is the annual interest rate (9.2% or 0.092), n is the number of times that interest is compounded per year (1, since it's compounded annually), and t is the time the money is invested or borrowed for in years (5). Plugging in the values: A = $6,500(1 + 0.092/1)^(1*5) = $6,500(1.092)^5 ≈ $10,093.14.