Karmen borrowed $$3144\mathrm{.}00$ compounded quarterly to help finance her education. She contracted to repay the loan in quarterly payments of $$333\mathrm{.}00$ each. If the payments are due at the end of each $3$ months and interest is $8\%$ compounded quarterly, how long will Karmen have to make quarterly payments? State your answer in years and months $($from $0$ to $11$ months$).$

Karmen will have to make payments for year$($s$)$ and month$($s$).$