Youve borrowed $4,485.03 and agreed to pay back the loan with monthly payments of $210. Assume the interest rate is 15% stated as an APR. How long will it take you to pay back the loan? Note: Do not round intermediate calculations. Round your answer to the nearest whole number. What is the effective annual rate on the loan? Note: Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places