Can someone complete my mathswatch?

Can someone me i’m confused. will give brainliest and a whole bunch of points

Four congruent circular holes with a diameter of 2 in. were punches out of a piece of paper. what is the area of the paper that is left ? use 3.14 for pi

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.