Another find the equation of this line, please help me!

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.

Can someone tell me if this is perpendicular? !

Every weekday, mr. jones bikes from his home to his job. sometimes he rides along two roads, the long route that is shown by the solid lines. other times, he takes the shortcut shown by the dashed line. how many fewer kilometers does mr. jones bike when he takes the shortcut instead of the long route?