Please solve without using excel and use appropriate formulas.

Karl borrows $200,000 on January 1, 2017 to be repaid in 30 annual installments at an effective annual rate of interest of 6%. The first payment is due on January 1, 2020. Instead of annual payments she decides to make monthly payments equal to one-twelfth the annual payment beginning on July 1, 2020. Determine how many months will be needed to pay off the loan