Problem 5-41 Number of Annuity Payments (LG5-9) Joey realizes that he has charged too much on his credit card and has racked up $5,300 in debt. If he can pay $150 each month and the card charges 12 percent APR (compounded monthly), how long will it take him to pay off the debt? (Do not round intermediate calculations and round your final answer to 2 decimal places.) Time to pay off the debt months