Lush Gardens Co. bought a new truck for $68,000. It paid $6,800 of this amount as a down payment and financed the balance at 4.50% compounded semi-annually. If the company makes payments of $1,800 at the end of every month, how long will it take to settle the loan?

Express the answer in years and months, rounded to the next payment period (x) years and (x) months