Cheng$-$Ju finds the use of an unsecured line of credit convenient and cost effective. She often puts purchases that cost more than $$2,000,$ such as major appliances or home repairs, on her line of credit. She prefers to use her credit card, which charges a $22\%$ annual interest rate, for less expensive purchases that she can repay in full by the statement due date. She typically repays her line of credit over a few months, which she finds tolerable given the annual interest rate of $11\%,$ compounded monthly.

Cheng$-$Ju needs to replace her furnace and air conditioner at a total cost of $$10,000.$ She decides to do some additional renovations which will cost $$15,000.$ How long will it take Cheng$-$Ju to repay her debt if she makes payments of $$1,000$ at the end of each month? Cheng$-$Ju will repay her loan in:

Question $16$ options:

$25$ months.

$29$ months.

$34$ months.