You could use either:
{QUOTE"{SET Months {MERGEFIELD Loanmonths}}{=INT(Months/12) \# "0' year(s)'"} and {=MOD(Months,12) \# "0' month(s)'"}"}
for an output like:
# year(s) and # month(s)
or, somewhat more sophisticated:
{QUOTE"{SET Months {MERGEFIELD Loanmonths}}{=INT(Months/12)-1 \# "{=INT(Months/12) \# "0' years'"};;'1 year'"}{=(Months-INT(Months/12)*12)*(Months>12) \# "' and ';;"}{=MOD(Months,12)-1 \# "{=MOD(Months,12) \# "0' months'"};;'1 month'"}"}"}
for an output like:
1 month
2 months
1 year
2 years
1 year and 1 month
1 year and 2 months
2 years and 1 month
2 years and 2 months

For a macro to convert the above field code text representations to working field codes, See Convert Text Representations of Fields to Working Fields in the Mailmerge Tips and Tricks sticky thread (https://www.msofficeforums.com/mail-...ps-tricks.html) at the top of this forum.

__________________
Cheers,
Paul Edstein
[Fmr MS MVP - Word]