0It is three words. It is a three-word phrase. " She attends school full time.
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01cite10Grammar Geek12cite10It is three words. It is a three-word phrase. It should have the hyphens only when it is used to modify a noun, as you did with "You are a down-to-earth person."12br
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10The same as "full time." She attends school full time. She is a full-time student. But "full time" is still two words.