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Student loan - Student loans are loans offered to students to assist in payment of the costs of professional education. These loans usually carry lower interests than other loans, and are usually issued by the government.

Debt consolidation - Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Home Owners Loan Corporation - The Home Owners Loan Corporation was a New Deal agency established in 1933 to refinance homes to prevent foreclosure. It was usually used to extend loans from shorter, expensive payments of the 15 years to the lower payments of the 30 year loans.

Pennsylvania Higher Education Assistance Agency - The Pennsylvania Higher Education Assistance Agency, commonly referred to as PHEAA, is the full-service student financial aid organization of Pennsylvania. Once a small student loan guarantor with a volume of approximately 5,000 student loans in 1964, it now manages more than $33 billion in total assets and serves nearly four million students through its state grant, guaranty, servicing, and financial aid processing.

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