Arsenio has a $8000 debt balance on his Visa card that charges 21.5 percent compounded monthly, and his minimum monthly payment is 3 percent of his debt balance, which is $240. How many months (round up) will it take Arsenio to pay off his credit card debt if he pays the current minimum payment of $240 at the end of each month? If Arsenio made monthly payments of $290 at the end of each month, how long will it take him to pay off his credit card debt? (Round up)