Like many college students, Bernadette applied for and got a credit card that has an annual percentage rate (APR) of 15%. The first thing she did was buy a new HD Television for $350. At the end of the month, her credit card statement said she only needed to make a minimum monthly payment of $10. Assume Bernadette makes her payment when she sees her statement at the end of each month. If Bernadette doesn't charge anything else and only makes the minimum monthly payments, approximately how many months would it take her to completely pay off the HD Television? Assume that the credit card company compounds interest at the end of each month. Bernadette now realizes she needs to pay more than just the minimum payment (unless she wants to be paying for this HD Television until she graduates). She decides to pay twice the minimum monthly payment ($20 per month), instead. How much quicker will she pay off the HD Television?