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.
Unsubsidized Stafford loan borrowers don't have to start repaying the loan until six months after graduation, and Perkins borrowers get up to nine months before starting repayment. However, what most students don't know is that interest on both those loans starts adding up the day the loan money is received.