Looking for people who one owes wealth

Q: I have wronged many people in the past, most of whom I can't track down to fix what I did to them and seek their forgiveness. I have heard that Allah does not forgive the sins in which I have wronged others until they forgive me. I am really scared of the punishment of Allah, and I really regret everything I have done. After repenting for my sins, what should I do to make up for all those wrongs, and save myself from the punishment of those sins?

Ma'zoor during preganancy

Q: During pregnancy, especially in the last two months, the expected mother gets vaginal discharge. Sometimes she makes wuzu and just starts to offer 4 farz during 2nd rakat she feels a bit discharge as small as a 1rs coin (pakistani currency) . Does her wuzu break? Does She need to make wuzu again and offer prayer again? What if its zohr prayer and during 4 sunnah and then again during 4 farz she gets discharge? Is this vaginal discharge exempted because its specifically related to pregnancy and the last months and sometimes related to some days of pregnancy.

Examination fees

Q: I am an accounting student and have little concern with regards to the system we make our payments and possibility of any interest involved in the payments. Our payments include the examination fee payed few days before the examination session and an annual subscription fee to remain an active student.

Firstly, the examination payments can be made in three periods. The earliest the payment made, the lowest would be the payment. However, sometimes due to late examination decisions the early payment period passes by and we have to make standard payment that is higher than early payment. Is the difference between the early and standard fee considered as interest? I have heard that all penalties arising due to late payment are haram and therefore the higher amount payed as a result of not being able to pay in the early period for some reason a kind of penalty. It is also possible that the extra amount is to encourage most students to make payment as early as possible.

Second, I have heard that the annual subscription payed every year to remain an active student involves interest. Is that true? This would be a lifetime payment even after I qualify to remain an active member. Does it involve any kind of interest or penalty?