Do not round intermediate calculations and round your final answer to the nearest whole number, e.g., 32.

Please include the formula if there is any and the process through which you get the answers for the questions with a text box. These are an important part of grades.

Thom owes $6,400 on his credit card. The credit card carries an APR of 18 percent compounded monthly. If Thom makes monthly payments of $205 per month, how long will it take for him to pay off the credit card assuming that he makes no additional charges?