x 4.0.54 Question Help Suppose you want to borrow $80,000 and you find a bank offering a 35-year term for a loan of that amount, with an APR of 6%. Complete parts (a) and (b) below. (a) What are your monthly payments? PMT = $ 456.15 (Round to the nearest cent as needed.) (b) Instead of making 12 payments per year, you save enough money to make a 13th payment each year, of the same amount as your regular monthly payment found in part (a). How long will it take to pay off the loan? (Type an integer or decimal rounded to one decimal place as needed.)