Let's say you increase your payment by $$200$ to cover more principal and pay down your loan quicker. During which payment number do you pay off your loan now? How many years is this? $($select the payment number where your ending balance becomes zero or negative$).$ To find your new payment, take the payment in Part $2$ and add $$200$ to it$.$ Enter the new payment amount below. Use the NPER function to find the payoff payment number $($hint: make sure you enter your payment as an outflow$).$ Loan amount is $280,000,$ interest rate is $5\mathrm{.}43,$ original payment is $1577\mathrm{.}53,$