Suppose 5 years ago a borrower borrowed a FRM loan at 9.5% IRR with monthly payments for an initial balance of $95000 with 30 years term. Further suppose that the current interest rate available in the market is 6%. the borrower could refinance the loan at 6% interest but keep the same monthly payments and reduce the number of months needed to amortize the debt. What will be the new months needed to amortize the debt?