Can someone help me? (don’t answer if you don’t know how to do it.)

I’ll give brainlist.

The area of a rectangle is 15+5y square feet. which of the following expressions could be the length of the sides of the rectangle, in feet a. 5 and 3y b. 5 and 3+y c. 5 and 5+y d. 3 and 5+3y

How to do this , and can some one explain

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.