5. You graduate with $86,751 of debt. How many years will it take to repay the loan if the APR is 8.1% compounded monthly and your monthly payment is $678 starting one month from now?

Attention - your answer should be in years! Put only the number of years (skip the word "years") in your answer. Round your answer to 2 decimal places, (e.g. 32.16.)