You need to find the slope too.

point slope formula y - y1 = m(x - x1)
use (0, -3)
y - (-3) = 1 (x -0)
y + 3 = 1x
Divide everything by the "X" thing AND MOVE IT TO OPPOSITE SIDE
by 10 years it'll be 24439 but by 11 it'll be 25661 so it's technically 11 years