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A credit union is offering 30-year home loan with annual rates of 4.3% with 1.4 points or 3.8% with 1.95 points. If a borrower chooses

A credit union is offering 30-year home loan with annual rates of 4.3% with 1.4 points or 3.8% with 1.95 points. If a borrower chooses the second option for a loan of $340,000, how long will it take, in months, to recoup the additional cost in points? (Enter a number. Round your answer up to the nearest month.)

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