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.
Typically, a home loan document will specify that the mortgage lender may begin foreclosure as soon as loan payments are 30 days late, but lenders often wait as long as 90 days. After one or two missed payment, the mortgage company's first action is to contact you to make payment arrangements.