An individual who has a 'specific learning disability has :

Correct option is D

A specific learning disability involves difficulties in basic psychological processes (e.g., perception, memory, attention) that affect the ability to learn. These challenges are not due to other conditions like visual or auditory impairments, hence the answer is All of the above.
Information Booster:
1. Includes dyslexia, dysgraphia, and dyscalculia.
2. Often identified in school-age children.
3. Requires individualized educational plans (IEPs).
4. Not indicative of overall intelligence.
5. Early intervention can improve learning outcomes.
Additional Knowledge:
 (a) Disorder in basic processes: Affects skills like reading and writing.
 (b) Difficulty in learning: Major symptom of specific learning disabilities.
 (c) Problems not due to impairments: Distinguishes learning disabilities from sensory deficits.