Monthly payments were originally calculated to repay a $39,000 loan at 8.9% compounded monthly over a 13-year period. After one year, the debtor took advantage of an option in the loan contract to increase the loan payments by 14%. 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.

Please I need the step.