Help me find the implied monthly interest rate please

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Your friend Zoe is planning to buy an outdoor patio set from a furniture store. The MSRP (the marked price) \$9600 and the seller offers a zero-interest financing plan which allows buyers to pay $400 per month over 24 months, starting one month from now. However, the seller also tells Zoe that if she pays the price in full right now, she could get a 10% discount off the marked price.