With only a part-time job and the need for a professional wardrobe, Rachel quickly maxed out her credit card the summer after graduation. With her first full-time paycheck in August, she vowed not to use the card and to pay $210 each month toward paying down her $8,455 outstanding balance. The card has an annual interest rate of 16 percent. How long will it take Rachel to pay for her wardrobe? Should she shop for a new card? Why or why not? If Rachel continues to pay $210 per month, it will take her _ months to pay for her wardrobe. (round to the nearest month.)