What is the value of the following function when x= 0?

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.

Alex took his brother to a birthday party. the party was scheduled to last for 1 and 3/4 hours but they stayed for 4/5 of an hour more. how long did she stay at the party?

I’m really confused and need to learn this