In order to be eligible for federal loans a Free Application for Federal Student Aid (FAFSA) must be completed and aid is granted in relation to student need, tuition rates with the college, as well as other factors. Fear not, as time passes you will know precisely how to handle different varieties of problems that will come about. Cocci are sphere-shaped bacteria you need to include streptococci, which are chains of cocci bacteria, and staphylococci, that are clusters of cocci bacteria1.