:( PLEASE HELP THIS IS URGENT... I forgot how to factor and my quiz is today :(

like how do u get from

8x^2+18x-5=0

to

(4x-1)(2x+5)

THANK U IF U HELP!

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.