Orlando bought a new couch for 1,968, using the furniture store's finance plan. He will pay 164 a month for 12 months. Which equation can Orlando use to find out how much money he still owes after each month of the plan?
a) y = 164x - 1,968
b) y =1,968 - 164x
c) y = 164x
d) y= 1,968 + 164x