You borrow $1,500 at 12% (M) and owe $1,741.45 on the due date. What is the term of the loan? Round the answer to n to a whole (i.e. n = 13.999 = 14, n= 4.00005 = 4) - do this before you convert to years and months. Answer in years and months (use zero if no years or no months).