Javier borrows $55,000 from a local bank at an APR of 10.8%, compounded monthly. His monthly payments amount to $55,000(A/P, 0.9%, 52) = $1,331 for a 52-month loan. If Javier makes an extra payment on the first month of each year, his repayment duration for the loan will be reduced by how many months? Javier's repayment duration for the loan will be reduced to months. (Round to the nearest whole number.)