Plan1 10000 ( 1 + .10/4)20 = balance at 5 yrs = 16386.16 pay half leaving half 8193.08
at the end of 10 years 8193.08 (1+.10/4)20 = remaining balance = 13425.32
total payments = 8193.08 + 13425.32 = 21 618.40
Plan2 10 000 (1+ .1)10 = 25937.42 due at 10 years
You can finish from here ......