Number of payments. Tony is otfering two repayment plans to Phil for a long overdue loan. OHer 1 is to receive a visit trom an enforcer and the debx is due in full at once. OHter 2 is to pay back. $4,000 at the end of the year at an interest rate of 25% unti Phil pays off the loan principal. Phil oses Tony $15,000. How losg will it take for Phil to pay of the loan it he takes offer 27 ? How long wil i take for Phil to pay of tho ban it he takes oller 27 . years (Round to two docimal places)