Making a credit card minimum payment: a)means you are paying a small portion of your total credit card debt b)is the same thing as making a late credit card payment c)will have a negative effect on your credit score d)will cause your credit card to be cancelled

The answer isharmonia which was written by rythem. 

Students and school are nouns
good luck!

Betray, destroy, and obey do not need to be changed to add the suffix -ed, because the "y" at the end of each word is preceded by a vowel  (so  they would be spelled  "betrayed," "destroyed," and "obeyed").

but hurry is different; it has to  be spelled "hurried" because the "y" at the end of "hurry" is preceded by a consonant.