Emma is a very nice girl and very smart. I´m sure she is going to learn very fast. :)
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Both words are slang words. "мерзлявая" is an adjective and needs a noun: "мерзлявая девушка", which means, that a girl always feels cold and tries to put on warm cloths. As for "мерзлячка", it is a noun and doesn't need any special word: "Она мерлячка - ей все время холодно".
