Can someone help me? I don't understand this

Write an algebraic expression for the word expression the quotient of c and 8

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.

Simplify. −4x^2 (5x^4−3x^2+x−2) −20x^6−12x^4+8x^3−8x^2 −20x^6+12x^4−4x^3+8x^2 −20x^8+12x^4−4x^2+8x −20x^6+12x^4+4x^3−8x^2