Monthly payments were originally calculated to repay a $22,000 loan at 6.8% compounded monthly over a 10-year period. After one year, the debtor took advantage of an option in the loan contract to increase the loan payments by 12%. How much sooner will the loan be paid off? (Do not round intermediate calculations. Round up the number of payments.) The loan will be paid off year(s) and month(s) sooner.