How would we handle a situation where we wanted to calculate a balance after 19 months or 27 months?

scenario:
kira takes a $12,000 loan that has a 5 year term at 4.25% compounded daily. the terms of the loan state that she can make no payments for 6 months. after reading the fine print, kira notices that interest will continue to accumulate during this 6 month grace period that will be rolled over into her loan balance