For Skype for Business Online organizations, you can use the Remote PowerShell in Office 365 to enable your Skype for Business users to use the Skype for Business client or the Skype for Business (Lync) client user interface. The default setting is for users to use the Skype for Business client user interface.
Yes you do - all of it, but under most circumstances, not until after you graduate college (or leave school for other reasons). Under normal circumstances when you graduate or drop below a certain # of units of attendance, you will be expected to begin paying back your student loan 6 months later. For subsidized student loans, this is when the interest will start accruing as well.
Most private student loans are school certified. Few lenders offer direct-to-consumer loans anymore, despite their popularity, because these loans had a high fraud rate. After loan approval, it can take 2 weeks to 2 months for the lender to send the loan proceeds to the college or to you, as applicable. If the money is sent directly to the college, it typically takes 1-2 weeks before the remaining money is refunded to you.