Janice Burke borrowed $$120,000$ to start her own business. She intends to pay back the loan with a series of $$2,000$ payments at the beginning of each month. The lender is allowing Janice to defer her payments for $1\mathrm{.}5$ years while she gets her business running. The interest rate remains at $6\mathrm{.}5\%$ compounded quarterly. How long will it take for Janice to fully repay the loan?