Karmen borrowed $$3491\mathrm{.}00$ compounded semi$-$annually to help finance her education. She contracted to repay the loan in semi$-$annual payments of $$274\mathrm{.}00$ each. If the payments are due at the end of every $6$ months and interest is $7\%$ compounded semi$-$annually, how long will Karmen have to make semi$-$annual 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$).$