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______________ are offered through the US Department of Education and are designed to give easy and inexpensive access to loans for school. You don’t have to make payments on the loans while you are in school, and the interest on the loans is tax deductible for most people. Direct Loans, also called Federal Stafford Loans, have a competitive fixed interest rate and don’t require a credit check or cosigner.

Carla is concerned that her friend may be at risk for suicide. She noticed that they were talking about being a burden to others, giving away items, and behaving recklessly. What is the best thing for Carla to do?

To contact College Police, call the Bay Minette, Fairhope, and Gulf Shores campuses at (251) 580-2222; call the Brewton and Atmore campuses at (251) 809-1546; call the Monroeville campus at (251) 575-8237; and call the Thomasville at (251) 636-3140.

Julian’s roommate, Tonya, has been experiencing severe anxiety for several weeks. Tonya is now having difficulty leaving the room to go to class. Julian suggested that she should talk to a counselor, but Tonya refuses to seek help. Based on what you read in this chapter, what is the most likely reason for Tonya’s refusal to seek help?

Oceanographers refer to the rapid change in temperature with depth that they observe in vertical profiles of some oceans as a pycnocline.

What was “The Great Oxygenation Event? When and why did it happen? What were its negative and positive consequences? Your answer must be in paragraph form.  No outlines are allowed.  Spelling counts.

Which of the following is true?

Julia has been feeling irritable, having difficulty with memory and attention, and feels that her reaction time has decreased. Julia may be experiencing:

Payments on student loans will begin shortly after you graduate. While many websites, financial “gurus,” andtalking heads in the media will encourage you to pay off your student loans as quickly as possible, you shouldgive careful consideration to your repayment options and how they may impact your financial plans. Quicklypaying off your student loans or refinancing your student loans into a private loan may be the worst optionavailable to you.

Grants and scholarships are free money that can be used to fund your college education. Which of the following are appropriate sources of information about grants and scholarships?