Victor will start paying off his credit card in January. He uses the function f(x)= -35x + 2,500 to model the amount of money he owes x months after January. How much does he owes at the beginning of January?

To find out how much Victor owes at the beginning of January, we need to find f(0) since x represents the number of months after January and 0 represents the start of January itself.

f(0) = -35(0) + 2,500 = 0 + 2,500 = <<-35*0+2500=2500>>2,500

Therefore, Victor owes $2,500 at the beginning of January.