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sally borrows 190000 30 year mortagage loan to but her a house. her intrest rate is 4 percent. she also can buy 2 points which

sally borrows 190000 30 year mortagage loan to but her a house. her intrest rate is 4 percent. she also can buy 2 points which will make her rate go down by 3 percent. how many months should it take for her to break even if she chooses to buy the 2 points please round to the nearest month

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