A payday lender needs to earn an expected $24$ percent APR to cover her own costs, and she knows that $35$ percent of the loans she makes will never be paid back. Given this information, what is the minimum monthly interest rate the lender must charge to all borrowers?

Select answer from the options below

$36\mathrm{.}92$ percent

$68\mathrm{.}57$ percent

$30\mathrm{.}77$ percent

$28\mathrm{.}56$ percent