'ou've borrowed $5,179.28 and agreed to pay back the loan with monthly payments of $220. Assume the interest rate is 9% stated as n APR. a. How long will it take you to pay back the loan? Note: Do not round intermediate calculations. Round your answer to the nearest whole number. b. What is the effective annual rate on the loan? Note: Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places