I need help with this question attached pls

Factor. 8x2y2 – 4x2y – 12xy 4(8x2y2 – x – 12xy) 4(2xy – 4x2y – 12xy) 4x2y2(2xy – xy –3) 4xy(2xy – x – 3)

Empty box + box + empty box fill in the box is equal to 30 how

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.