please help me out with answering this

A payday loan is structured to obscure the true interest rate you are paying. For example, in Washington, you pay a $25 "fee" for a two-week $180 payday loan (when you repay the loan, you pay $205 ). What is the effective annual interest rate for this loan? (Assume 26 bi-weekly periods per year.) The effective annual interest rate is \%. (Round to two decimal places.)