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Kelly and Tim Jarowski plan to refinance their mortgage to obtain a lower interest rate. They will reduce their mortgage payments by $57 a month.

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Kelly and Tim Jarowski plan to refinance their mortgage to obtain a lower interest rate. They will reduce their mortgage payments by $57 a month. Their closing costs for refinancing will be $1,765. How long will it take them to cover the cost of refinancing? (Round your answer to the nearest whole number.)

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