One reason a student may seek a federal student loan instead of a private student loan is that O private loans carry a higher interest rate than federal loans.
O federal loans are obtained by banks, while private loans are backed by the government.
O federal loans must be paid back more quickly than private loans.
O private loans are only available to parents, while federal loans may be issued to the student.

They are available to any student who meets lending standards, regardless of financial need

Explanation:

Federal student loan is funded by tax payer's money. it's usually available to all students who were born in United States as long as they can provide proof for their citizenships.

Compared to private student loan, Federal student loan does not impose a strict deadline for the students who want to take it. This means that they can pay it back when they obtain job and salary after they graduate.

answer; i believe both technician (a) and (b) are correct; /// good luck

ans.

heterothermic organisms include those organisms that can switch between homeothermic (having body temperature higher than environment) and poikilothermic (having variation in internal body temperature) strategies.

some migratory birds show heterothermy as they decrease their metabolic rate during cold nights to keep their body temperature low. drop in metabolic rate allows increase in production efficiency of birds that reduces the internal body temperature to make it equal to external cold temperature during cold nights.

thus, the correct answer is 'birds allow their temperature drop in order to increase their production efficiency.'