Pacific Kelp Forest Urchins. Photo by Paul Banko. This lovely photograph shows the three common urchins found in eastern Pacific kelp forests. Red = Strongylocentrotus franciscanus; Purple = Strongylocentrotus purpuratus; White = Strongylocentrotus droebachiensis.ereocystis luetkeana often dominates northeastern Pacific kelp forests. It has a long stipe that is attached often to a small rock and is kept aloft by a gas-filled float. The fronds extend from the float. This makes for a very unstable arrangement and strong storms often uproot the plant.
Although payments aren't due during the grace period, some student loans still accrue interest during this time, increasing the total amount owed. One of the most common misconceptions in the world of student loan repayment may be that repayment does not have to start until six months after graduation.
4. If you can, start making payments during your grace period. With your long-term repayment plan squared away, consider ways to start bringing your debt down now, Schuman says. âDonât let the lending company tell you when you should start paying back your loans,â he says.