Explain the difference between listing the factors of a number and listing the multiples of a number

Can someone me my sister? she is in third grade. 50 points and brainlist! ones that are not answered. plz and thx!

Beth took out a $20,000 loan for college she is borrowing money from two banks. bank a charges an interest rate of 8.5% bank b charges and interest rate of 10.5% after one year alice owes $1860 in interest how much money did she borrow from bank a

A. what does the point (4, 122) represent? b. what is the unit rate? c. what is the cost of buying 10 tickets?