Whats 4a+1-2a+9-a (answer fast i need to study)

Which expression is equivalent to? assume x > 0 and y > 0.

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.

Free points also plz look my profile and answer really stuff