The equation calculates an annual rate in economics. what rate does the equation calculate

What are the relative frequencies to the nearest hundredth of the columns of the two-way table?

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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.