For how long will Kale have to make payments of $$160\mathrm{.}00$ at the end of every month to repay a loan of $$3985\mathrm{.}00$ if interest is $4\%$ compounded monthly? State your answer in years and months $($from $0$ to $11$ months$).$

Kale will have to make payments for year$($s$)$ and $|||$ month$($s$).$