85% of adults are grandparents by age 65. This estimation has been made in the U.S. from the surveying of the elderly. So, the correct choice is the third option: 85.
Zachary's student loans are an example of unsecured loan.
An unsecured loan is a type of loan that is given and supported only by the borrower’s reliability without being protected by any collateral. If an individual is unable to pay the loan, the lender cannot take his or her property. Types of unsecured loan include student loans, credit cards and personal loans.