Based on the description provided, the scatterplot contains one loosely packed cluster of data points between 1 to 4.5 hours studied (horizontal axis) and a range of test grades from 77 to 98 (vertical axis). Additionally, there is a plotted point at 0.5 hours studied and 45 test grade, which could be considered an outlier since it is significantly lower in grade compared to the other points in the cluster.
Therefore, the correct response is:
There is one cluster and one outlier.