Answer:
I'm giving the total amount of money the variable "a" and "x" represents the months you are paying.
option 1:
$200 + $15(x) = a
lets say "x" = 12
$200 + $15(12) = a
$200 + $180 = a
a = $380
option 2:
$40x = a
again, "x" = 12
$40(12) = a
a = $480
Option 1 is the better option.