Maria's credit card balance is $3500 at an 10% APR. It has become difficult to make the minimum payment each month. She decided to make a plan for paying off the credit card by increasing her hours at her part-time job and applying the income to debt reduction. She estimates that she can pay $150 per month, and she plans to avoid using her card for any new purchases. How long will it take her to pay off the card dues? 26 months 10 months O 21 months O 16 months