Kelly and Tim Johnson plan to refinance their mortgage to obtain a lower interest rate. They will reduce their mortgage payments by $93 a month. Their closing costs for refinancing will be $6,696. How long will it take them to cover the cost of refinancing? (Round up your answer to the next whole number.) Time period months Kelly and Tim Johnson plan to refinance their mortgage to obtain a lower interest rate. They will reduce thelt mortgage payments by $93 a month. Their closing costs for refinancing will be $6,696. How long will it take them to cover the cost of refinancing? (Round up your answer to the next whole number.) Time period months