If $195,000 is borrowed for 9 years at an annual simple interest rate of 12.7%, how much interest will be paid if the entire loan is paid off at the end of the ninth year?

The unknown is the interest.
The givens are the principal=$195,000, time =9 years and the rate=12.7%
The formula is I=PRT where I is interest, P=principal ,R=rate and T=time
I=$195,000*12.7%*9=$222,885
Therefore the interest will be $222,885

The graph isn’t that clear

Ithink it is b and d