One advantage of federal loans over bank loans is that federal loans A
have a fixed interest rate.

B
do not have to be paid back.

C
can be paid monthly or yearly.

D
do not affect your credit score.

I'd say C.

Explanation:

I hope this helps you and if not, I apologise for false info. Peace out.

one advantage of federal loans over bank loans is that federal loans

C.can be paid monthly of yearly

c

Explanation:

answer: b) bubbling its way

explanation: an adjective is a word or a group of words that modifies a noun (name, thing, place,

in this case, the first option "to heartily enjoy" isn't describing or modifying any noun, the third option "hiking along merrily" is describing an action but it doesn't modify any noun, the last option "beside us" is just a preposition that indicates position, so the correct answer is the second one: "bubbling its way" because it is modifying the noun "stream".