Its algebra for 7th grade

bill borrowed the same amount of money from linda and drake. the table below shows the amount, in dollars, that bill would owe them after different numbers of years:

Every year he owes Drake $3.50 on top of whatever he already owed
After the first year, he owes Linda $103 + $3.09. After the 2nd year, he owes $3.18 and the 3rd year is 3.28. Every year Linda will go up one cent more. After one year it is 9 cents added and then 10 cents added so the next year it will be 11 cents added. 
After 30 years Bill will owe Drake 10,867.50
103.50*3.50*30 = 10,867.50
After 30 years Bill owes Linda 10,691.40
103*3.46*30 = 10,691.40
After 30 years Bill owes Drake more money so 4th choice