Simple math my tiny brain can’t understand PLEASE HELP

The probability that a student graduating from suburban state university has student loans to pay off after graduation is .60. if two students are randomly selected from this university, what is the probability that neither of them has student loans to pay off after graduation?

Assume that there is a 11% rate of disk drive failure in a year. a. if all your computer data is stored on a hard disk drive with a copy stored on a second hard disk drive, what is the probability that during a year, you can avoid catastrophe with at least one working drive? b. if copies of all your computer data are stored on four independent hard disk drives, what is the probability that during a year, you can avoid catastrophe with at least one working drive?

Select the correct answer and solve for y