Rachel borrowed $20000 at 10% p.a. (reducible) and agreed to repay the loan over 4 years with 8 equal half-yearly…

Rachel borrowed $20000 at 10% p.a. (reducible) and agreed to repay the loan over 4 years with 8 equal half-yearly repayments of $3095. What interest rate per half-year will Rachel pay on her loan?
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