Could someone help me with this asap, please and thank you (picture attached) *math*

What is 1/2 x (6 x 4)+3 + 2 show your work

Can any one me with the answers to these questions asap?

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.