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 to pay $250 each month toward paying down her $10,099 outstanding balance and not to use the card. The card has an annual interest rate of 12 percent. How long will it take Rachel to pay for her wardrobe? Should she shop for a new card? Why or why not? Note: Round intermediate computations to at least five (5) decimal places. If Rachel continues to pay $250 per month, it will take her months to pay for her wardrobe. (Round to the nearest month.)