Ineed this done ! the first person to answer this correctly will get brainlist!

What term best describes a line ans a point that lie in the same plane

Icould really use some with this question.

Rose and andrew are financing $128,000 to purchase a condominium. they obtained a 15-year, fixed-rate loan with a rate of 5.05%. they have been given the option of purchasing up to four points to lower their rate to 4.81%. how much will the four points cost them?