Please help! 25 points is the best i can do rn :)

Hi my sisters and brothers can tell me the answer because i don’t understand the question

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.

Julie begins counting backwards from 1000 by 2’s and at the same time tony begins counting forward from 100 by 3’s.   if they count at the same rate, what number will they say at the same time?