You have just taken a home equity loan for $$82,500$ payable in equal monthly payments over the next $25$ years. The appropriate rate of interest charged is $4\mathrm{.}75\%$ compounded monthly.

Five years from now, you are expecting to receive a bonus of $$25,000$ that you will use to reduce the balance of your loan at that time. If you use the bonus to pay for this loan $(5$ years from now$),$ and the monthly payments also remain the same, How many total years will you now take to clear this balance, counting from today?