Your pickup truck is high mileage and needing replacement. You have purchased a brand new F250 XLT 4 door pickup truck. You were able to negotiate a total cost of $38,000 for this vehicle. For convenience, you decided to trade your vehicle in, and the dealership is offering $5,000 for your car as a trade in. You have decided to finance this vehicle for 7 years through Texas Tech Federal Credit Union for 3.9%. If you paid an extra $100 per month on the initial 7-year loan, how long (in years) will it take to pay off this loan?