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In order to be entitled to federal loans a Free Application for Federal Student Aid (FAFSA) should be completed and aid is granted based upon student need, tuition rates with the college, and also other factors. Fear not, as time passes you will know just how to handle different varieties of problems that may come about. Cocci are sphere-shaped bacteria and include streptococci, that happen to be chains of cocci bacteria, and staphylococci, which are clusters of cocci bacteria1.