Please help me w this test question

Answer this question! 30 points and brainliest! only if you know the answer.

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.

Which coefficient matrix represents a system of linear equations that has a unique solution ? options in photo*