Radhika is saving $1600 at the beginning of every six months in a retirement fund. Her goal is to accumulate $185,000 in her fund. If interest is 6.4% compounded semi-annually, how long will it take till she reaches her goal? Write your answer in years and months.

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Cost of Credit

The cost of credit is an extra amount that the borrower has to pay besides the loan amount. These credit charges may vary from loan to loan. The cost of credit includes interest charges, maintenance charges, and arrangement charges. Some of the costs are mandatorily collected by the lender based on the loan amount and tenure of the loan. The cost of credit is also called finance charges of the credit.