Hello! Really need some help with this

Write an equation in slope intercept form of the line passes through the given point and is parallel to the graph of the given equation (0,0); y=3/8 x+2

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.

Me. i can't figure out this question. give an explanation too. .