Karmen borrowed $5611.00 compounded sei-annually to help finance her education. She contracted to repay the loan in semi-annual payments of $332.00 each. If the payments are due at the end of every 6 months and interest is 8% compounded semi-annually, how long will Karmen have to make semi-annual payments? State your answer in years and months (from 0 to 11 months).

Karmen will have to make payments for _______ year(s) and _____month(s).