Jake owes $3,400 on his credit card. He is not charging any additional purchases because he wants to get this debt paid in full. The card has an APR of 13.9 percent. How much longer will it take him to pay off this balance if he makes monthly payments of $50 rather than $60?

a. 28.24 months

b. 41.79 months

c. 31.33 months

d. 36.74 months

e. 39.20 months