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.
Don't let student loans be a deterrent or excuse not to teach abroad or do anything in life! Newsflash to new college graduates: you will be paying these loans for 10 to 20 years. Later in life you will have a car loan, you will have a mortgage loan, you will always have bills to pay.