Please help me understand I’m not good at word problems!!

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.

Ametal rod needs to be 9 feet and 5.5 inches in length. the sections of the poles being used are each 1 foot and 10.5 inches long. how many 1ft 10.5in sections would be needed to complete the 9ft 5.5in metal rod? and how many inches of material will be left?

Write the point-slope form of the line passing through (2, -12) and parallel to y=3x.