You have a credit card with a balance of $10,300 and an APR of 16.9 percent compounded monthly. You have been making monthly payments of $205 per month, but you have received a substantial raise and will increase your monthly payments to $255 per month. How many months quicker will you be able to pay off the account?

23.80 months

27.77 months

25.92 months

9.85 months

24.99 months