Please help I’m very confused

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.

How do the number line graphs of the solutions sets of -23 > x and x-23 differ?

Find the common ratio of the sequence. -4, 8, -16, 32, a: -12b: -2c: 12d: -1/-2