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Problem 1: Damsy borrowed $10,000 from Money Credits at an 15% compounded quarterly. If she makes payments of $261.75 at the end of each month, how many years will it take to pay off her debt?
a) 13 years
b) 4.33 years
c) 5.2 years
d) 4.35 years
e) 5.44 years
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