Nick purchased Natalie's engagement ring on January 1, 2004 with a $ 10,000 loan. His loan carries an interest rate of 8 % per year convertible monthly. He pays $ 900 per month starting February 1, 2004, plus an additional $ 1950 on August 1, 2004. His last payment will be a partial payment. Determine for how many months he will be making loan payments, counting the last partial payment.

Total number of months = ?