(4 points) Beatrix borrows $30,000 from Jenn to be repaid in monthly payments starting one month from the time the loan was made. For the first two years, Jenn will charge a nominal annual interest rate of 7% compounded monthly, and after two years she will be charging a nominal annual interest rate of 4.4% compounded monthly. If the loan is repaid starting one month from when the loan is made, in monthly payments of $800 and a final payment (of less than $800), find how long it will take Beatrix to repay the loan. Answer = months