Someone help me i don’t understand this !

Which graph represents the following piecewise defined function?

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.

You are at a restaurant and owe $38 for your meal. you want to leave a 20% tip. how much will your tip be?