Hewo, Let's understand this in an easy context
Surface water:
- It is the water that is above the earth surface.
- On the surface of the Earth.
- Highly prone to pollution.
- Found at permanent sources such as oceans, semi-permanent sources such as lakes, and man made recourses such as reservoirs.
Groundwater:
- Groundwater is the water that occurs below the surface of earth.
- Beneath the surface.
- Less prone to pollution.
- Found at groundwater table, rock cracking points and soil pore spaces.
Factors responsible for degradation of water:
- Sewage water drop directly in water bodies
- Industrial waste
- Oil pollution
- Acid Rain
- Eutrophication
Hope it helps!<3