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?