Jack just finished his residency after medical school and has $400,000 of student loans. He will be paying $3,500 monthly on his student loans now that he is starting his job as a dermatologist. The annual interest rate on Jack's student loans is 6.5% How many months will it take for Jack to pay off his student loans, given that he continues to pay $3,500 a month on them? Please enter your answer rounded to the nearest month with no formatting or punctuation. For example, 100.74 months is entered as 101