$4-14.$ Annic White graduated from college with a

student$-$loan debt of $$32,000.$ The interest rate on this

debt is $0\mathrm{.}5\%$ per month. If monthly payments on this loan

are $$618\mathrm{.}65,$ how many months will it take for Annic to

repay the entire loan? $(4\mathrm{.}6)$