How is the correct answer 28 years and how do you get it. step by step plz

Karmen borrowed $4174.00 compounded annually to help finance her education. She contracted to repay the loan in annual payments of $312.00 each. If the payments are due at the end of each year and interest is 6% compounded annually, how long will Karmen have to make annual payments? State your answer in years and months (from 0 to 11 months). Karmen will have to make payments for 28 year(s) and o month(s)