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# Phoebe realizes that she has charged too much on her credit card and has racked up $6,400 in debt.

Phoebe realizes that she has charged too much on her credit card and has racked up $6,400 in debt. If she can pay $225 each month and the card charges 16 percent APR (compounded monthly), how long will it take her to pay off the debt? **(Do not round intermediate calculations and round your final answer to 2 decimal places.)**