Theresa borrowed $$$$3627\mathrm{.}00$ compounded annually to help finance her education. She contracted to repay the loan in annual payments of $$$$297\mathrm{.}00$ each. If the payments are due at the end of each year and interest is $5\%$ compounded annually$,$ how long will Theresa have to make annual $$payments$?$ State your answer in years and months$($from $0$ to $11$ months$).$