You are considering buying a home with an asking price of $516,000. Since the market is hot, you plan to put in an offer for the full asking price. You also plan to put $103,200 down payment and finance the remainder. Your bank offers you a 30-year loan at 7.25% APR (compounded monthly). Assume your first payment is made one month from today and that you pay the bank $3,500 each month rather than making the required payment, calculate the number of months it will take to pay off the loan. (Round to the nearest whole number; zero decimals)