Plzz add an explanation for it too

Click on the y intercept. -x +4 i know you cant click on it so could you just say the coordinates like (example - (1,0) you so much.

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.

Ineed i been stuck on this question since yesterday