Can someone explain the answer to me?

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.

Find the area of the triangle formed by the origin and the points of intersection of parabolas y=−3x^2+20 and y=x^2−16.

Ijust need these 2 questions answered (the second pic is just confirmation i'm not confident in that answer)