13) You paid $1,498.88 a month (end-of-month payments) for a home with a 6% mortgage over 30 years. Now that mortgage rate has dropped to 3.5% for the same loan, you want to refinance your mortgage up to the original home value. If the closing cost is estimated to be $6,000, how long (in months, rounded to the nearest) before you can break even on the refinance cost?

please answer using excel functions if possible