You have a credit card with a balance of 754.43. At a 13.6% APR. You have 300.00 available each month to save or pay down your debts.

How many months will it take to pay off the credit card if you only put half of the available money toward the credit card each month and make payments at the beginning of the month?

How many months will it take to pay off the credit card if you put all the available money toward the credit card each month and make the payments at the beginning of the month?