Need help with this one too

Write the sentence as an equation. b increased by 281 is d

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.

Mr. zimmerman invested $25,000 in an account that draws 1.4 interest, compouneded annually. what is the total value of the account after 15 years