(Middle school math) Work is attached. Please help 25 points. These questions are together btw!!

Which is equivalent to 10/12? options: 10/18 5/6 3/12 9/11

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.

Evaluate the expression. (9 + 5)(3 + 2)0