What is a explication for linear relationship

Can someone me i’m confused. will give brainliest and a whole bunch of points

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.

Mario has $14.35 left in his wallet. he spent $148.43 for tablecloths. then, he spent $92.05 for napkins. how much money did mario have in his wallet to start with?