I need help on my math homework please help me ASAP

100 points, hi, i’m not sure how to get the equation from the graph and table.

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.

If you answer 2+2 you will get over 80 points