Help me understand please​

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.

3.4a=57.8 what is the the value of a

Polynomials plz quick 1: subtract and simplify (–y^2 – 4y – 8) – (–4y^2 – 6y + 3)