You just received a loan offer from Friendly Loans. The company is offering you $5,000 at 9.3 percent interest per year (we convert this annual rate into monthly rate by the following calculator procedure: 9.312 then press [=], your screen will show 0.775. Then press [I/Y] key). The monthly payment is only $100. If you accept this offer, how many years will it take you to pay off the loan?