The last one. The only scenario where you wouldn't put a comma in the first quote is if it's a completed remark that uses particular punctuation such as a quotation or exclamation mark, but never a period. Hope this helped.
The answer to the given question is given as follows:
Those who are from an affluent home are considered rich and therefore are different than the rest and can spend more on their selves.
Learners from more affluent home are rich and therefore can hire good tutors for better learning.
Learners from more affluent homes have more people around them who are well educated and help them with building learning skills. They have friends and relatives who are working on good positions in a reputable organization.
The students who belong to less privilege homes usually have very few relatives or friends who are educated.
Many colleges and universities prefer students who belong to wealthy homes, but this is not case every where and some schools and universities invite candidates based on merit.
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