Alex karez has taken out a loan of 180000 with an annual rate of 10% compounded monthly to pay off hospital bills from his wife's illness. If the most Alex can afford to pay is 3500 a month, how long will it take to pay off the loan? How long will it take to pay off the loan if he can pay 4000 each month? Use five decimal places for the monthly percentage rate in your calculations. If Alex can pay 3500 a month, how many years will it take to pay off the loan?