If the squares do not have to be the same size, then the best that you can do is 9x9 and 4 lots of 2x2 making a total of 97 square inches and a remainder of 2 sq inches.
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If the paper is in inches then 11 times 14 = 154 square inches
If Karina has an 8 1/2 inch by 11 inch sheet of paper and she wants to leave a 3/4 inch margin on all 4 sides, the dimensions of the remaining area would be 7 inches by 9 1/2 inches.
What is left for the body of the paper is 6 1/2 by 9 1/2 inches.
11 - 8 and 1/2 = 2 and one half