1. All of the following except what is not a characteristic of grants: Select one:

a. They are a sum of money which is awarded to students that exhibit need

b. They do not accumulate interest

c. They are required to be paid back

d. None of these are a characteristic of grants

e. All of these are characteristics of grants

2. Your credit score: Select one:

a. Is determined by one credit agency.

b. None of these

c. All of these

d. Helps lender assess how well you have managed your financial obligations in the past.

e. Is only comprised by your payment history, debt to credit ratio, and new credit accounts or inquires.