Help please i did not pay attention and this is the class the gonna fail in

How do you answer this question? (step by step)

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.

Karen will divide her garden into equal parts. she will plant corn in 8/12 of the garden. what is the lowest number of parts she can divide her garden into?