Write the equation of the line, in y=mx+b form, that is parallel to the line defined by −4x + 2y + 12 = 0 with the same y-intercept as the line y = 3x - 1. You must show an algebraic solution to justify your answer for full marks.

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.