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Serena borrowed $6,200 to buy a car to drive to college. She planned to study for three years, and then start working, using her education.

Serena borrowed $6,200 to buy a car to drive to college. She planned to study for three years, and then start working, using her education. Interest is charged on the loan at 7.64% compounded annually. If she starts making month-end payments of $230 only when she starts working, how many payments will she have to make?

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