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.
You only start repaying your loan once you've graduated and you're earning more than Â£21,000 a year. After that, you'll pay back 9% of anything you earn over Â£21,000. So if you're earning Â£26,000 a year, you'll lose Â£450 in loan repayments - Â£37.50 each month.