Please don't use excel. If you are using a financial calculator with "PMT" buttons please let me know what button you pushed for each value. Please show all your work and answer each part of the question, I am trying to actually learn how to do this on my own so i need to see how you got the answer. Any correct answer that follows these guidelines will get a thumbs up.

A person buys a $255,000 business and pays $40,000 down financing the rest at 12% converted monthly. A payment of $3,500 per month is agreed upon. How many full payments will be required?