The draw period of a loan is usually determined up front and explicitly defined in the contract terms of the loan. The draw period consists of a time frame during which the credit facility may be accessed, and may include an increasing maximum as the loan gets older.
No. Generally, students who enter UF with 60 or more credits automatically meet the nine hour summer requirement; however, if you attended another state university (even for dual enrollment credit in high school) you may be held to taking nine summer hours at UF or another state university.
In general, one credit represents one hour in class per week. Many UW courses are 5 credits, and meet 5 hours per week. Most UW bachelor degrees require 180 credits. If you take 15 credits per quarter and attend three quarters per year, in four years you will have 180 credits.