You borrowed $$3,500$ on a credit card that charges an interest rate of $19$ percent annual interest compounded monthly. How long will it take you to pay off this debt assuming that you do not charge anything else and make regular monthly payments of $$100?$

Multiple Choice

$9\mathrm{.}75$ years

$2\mathrm{.}92$ years

$4\mathrm{.}29$ years

$23\mathrm{.}50$ years

$6\mathrm{.}36$ years