Jenny borrowed $50,000 to purchase a family car. The terms of her loan require making quarterly payments of $2,830.1323 over 7 years. The discount rate is 14% per annum (compounded quarterly). How much sooner will she pay off the loan if she makes quarterly payments of $3,793 instead? Round your answer to the whole number

a. 10 quarters

b. 12quarters

c. 20 quarters

d. 15 quarters

e. 18 quarters