Refusal means you do not wish to do something. Like, if someone asks you to do drugs and you don't want to, that is refusal. You REFUSE(do not want) to take the drugs.
considered bitch
No. Apprehension has more to do with a fearful or nagging doubt.
No, refusal is the action of refusing and granite is a metamorphic type of rock.
Pacifism
pacifism
That means the applicants owe too much money to take on more debt. They are not considered a good risk.