I'm Stressed Please Help Me Get Unstressed (If That's A Word) :(

Me asap on # : explain how factoring a trinomial, ax^2+ bx+ c, when a does not equal 1 different from factoring a trinomial when a = 1.

The probability that a student graduating from suburban state university has student loans to pay off after graduation is .60. if two students are randomly selected from this university, what is the probability that neither of them has student loans to pay off after graduation?

Write the percent as a fraction or mixed number in simplest form. 0.8%