please explain gow you reached both answers

yes i am not sure how to plug in the information into the caculator. i also have a TI-84 Plus graphing caculator

You have graduated from college but unfortunately have $33,000 in outstanding loans. The loans require payments of $3,210 per year, which covers interest and principal repayment (that is, the loan has the same basic features as a mortgage). If the interest rate is 4 percent, how long will it take you to repay the debt? If the powers that be raise the rate to 6 percent, how many additional years will be required to retire the loans