jmc

If the interest is simple interest, then she earns 0.1(\10,\!000) = \$1,000$ each year. Therefore, at the end of 5 years, she has earned 5(\1,\!000) = \$5,000$. So, her investment is now worth \10,\!000 + \5,\!000 = \boxed{\15,\!000}$.