Alice borrowed $8,000 from her grandmother to buy a car when she started college. The interest rate being charged is 4.5% compounded monthly. Alice is to make the first $200 month-end payment three...

Extracted text: Alice borrowed $8,000 from her grandmother to buy a car when she started college. The interest rate being charged is 4.5% compounded monthly. Alice is to make the first $200 month-end payment three years after the date of the loan. How many payments will be required to pay off the loan? (round up to whole number)