Answer this pls too hard for me

Me with this one question, and i'll upvote the brainliest answer

If you apply the below transformations to the square root parent function, f(x) = vx, what is the equation of the new function? • shift 12 units right. • shift seven units down.

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.