Claire needs to borrow $6000 to pay for NHL season tickets for her family. She borrows from a credit union with 48 monthly payments of $187.97 each. Suppose the credit union uses the rule of 78 and imposes an early payoff penalty of 1% of the original finance charge per month of early payment. For example, if Claire pays the loan off 9 months early, then the penalty will be 9% of the original finance charge. Find the least value of k that would result in any savings for Claire.

The least value of k that would result in any savings for Claire is