For how long will Jessica have to make payments of $$400\mathrm{.}00$ at the end of every months to repay a loan of $$10000\mathrm{.}00$ if interest is $12\%$ compounded semi$-$annually?

a

$2\mathrm{.}4$ years

b

$2\mathrm{.}6$ years

c

$2\mathrm{.}8$ years

d

$2\mathrm{.}2$ years