Problem 5-42 Number of Annuity Payments (LG5-10) Phoebe realizes that she has charged too much on her credit card and has racked up $6,500 in debt. If she can pay $250 each month and the card charges 12 percent APR (compounded monthly), how long will it take her 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