Free points and brainiest if you get this right

Can someone me with this problem i don't understand i need

Ricky takes out a $31,800 student loan to pay his expenses while he is in college. after graduation, he will begin making payments of $190.66 per month for the next 30 years to pay off the loan. how much more will ricky end up paying for the loan than the original value of $31,800? ricky will end up paying $ more than he borrowed to pay off the loan.

An energy drink company claims that its product increases students' memory levels. to support its claims, the company issues advertisements claiming that 8 out of 10 people (chosen randomly from across the country) who tried their product reported improved memory. the missing component in this study is a .