Negitive 4/5 - 7/8 pls confused about this

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.

What is the result of the following division?

Can someone factor this fully? my friend and i have two different answers and i would like to know if either of them is right. you in advance. a^2 - b^2 + 25 + 10a