Helen borrowed $5641.00 compounded annually to help finance her education. She contracted to repay the loan in annual payments of $253.00 each. If the payments are due at the end of each year and interest is 4% compounded annually, how long will Helen have to make annual payments? State your answer in years and months (from 0 to 11 months).

Helen will have to make payments for____ year(s) and____ month(s).