Susie just got hired at a new job that pays her $$5,000$ a month. She has student loan debt of $$10,000$ and her monthly expenses total $$800$ including rent. The student loan that she took out has an interest rate of $3\mathrm{.}25\%$ compounded monthly.

a$.$ How long will it take Susie to pay off her loans assuming she makes the maximum possible monthly payment?

b$.$ What is the net generation? Why?