Ernie Hylton is applying for a $300,000 mortgage. He can get a $2,500 monthly payment for principal and interest and no points, or a $2,250 monthly payment with 1.5 points? How many months will it take Ernie to cover the cost of the discount points if he takes the lower monthly payment? Select one: a. 6 b. 10 c. 18 d. 20 e. 48