Javier borrows S47,000 from a local bank at an APR of 9%, compounded monthly. His monthly payments amount to $47,000(AIP, 0.75%, 57)=$1,016.37 for a 57-month loan. If Javier makes an extra payment on the first month of each year, his repayment duration for the loan will be reduced to how many months? Javier's repayment duration for the loan will be reduced to 51 months. (Round up to the nearest whole number.)