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One reason a student may seek a federal student loan instead of a private student loan is that

They are issued in cooperation with the student’s university to reduce costs and paperwork.
They have lower interest rates and can be paid back with lower out-of-pocket costs.
They are backed by the US government to ensure greater financial security.
They are available to any student who meets lending standards, regardless of financial need.

the mantle

explanation:

earth is divided into three layers: the crust or the outermost layer on which we live; the underlying, middle layer - the mantle - and the core (the innermost layer of earth).

a). in this case, dh> 0 and sd> 0. if t becomes larger, the term "-tds" will become more negative. at some point, it is possible that -dts will be more negative than the dh is positive, and the reaction will become spontaneous. this is probably the correct answer, but you should look at all of the other possibilities and make sure of that.