Mary is creating a collage for her art class using a combination of artwork printed from the Internet, images she clipped from magazines and original hand drawings of her own creation. Can she do this?

Janice recently received her college degree and is looking for a job. she is worried that since she just finished school, she will be required to repay her perkins and direct subsidized loans immediately. janice pulls out the paperwork she signed and reviews it again for repayment information. after reading all of the information, janice discovers that