Tyson Fields is applying for a $$100,000$ mortgage. He can select either a $$700$ monthly payment with no points or a $$630$ payment with $4$ points. How many months will it take Tyson to cover the cost of the discount points if he takes the lower monthly payment?

Note: Round your answer to the nearest whole number.

Multiple Choice

$57$

$64$

$29$

$80$

$14$