Stephanie has a savings account that earns 3% interest, compounded quarterly. She wants to save $7,000 to purchase a used car. If she chooses to put an additional $25 per month into the account, what affect will this have on the time it takes her to achieve her goal? It will decrease the time needed. It will have no effect on the time needed. It will be impossible for her to reach the goal as her account will decrease over time. It will increase the time needed