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