Sonia borrowed $3359.00 compounded annually to help finance her education. She contracted to repay the loan in annual payments of $311.00 each. If the payments are due at the end of each year and interest is 5% compounded annually,how long will Sonia have to make annual payments? State your answer in years and months (from 0 to 11 months).

Sonia will have to make payments for ______year(s) and_______month(s).