Help me please this is due in a couple minutes

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.

Rewrite the following quadratic functions in intercept or factored form. show your work. y = 4x^2 - 19x- 5

Calculate the annual effective interest rate of a 12 % nominal annual interest rate compound monthly