Sonya is a senior in college. She has $3000 in credit card bills. The interest rate on her credit card is 18% per year. She decides to make the minimum payment of $50 per month to pay off her credit card bill. Using the time value of money concepts, how many years will it take her to pay off her credit card bill? (Round your answer to the nearest whole number of years) (HINT: don't forget to put the i and n into the same monthly terms) 13 years O 8 years none of these 5 years