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.
Whether to pay off your mortgage early is a difficult decision that should be based on various factors. Depending on your situation, some debtâespecially mortgage debt--is probably not as bad as the alternatives. Your cash reserves. You should have enough cash to pay living expenses for six months squirreled away in the event of emergency â such as losing your job. If you don't have this, you shouldn't be thinking about paying off your mortgage.