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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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recovery (E3)<br />The phase in a business cycle, after a SLUMP and before a BOOM, in which output is rising and, often, unemployment is falling.
<strong>Consolidation</strong> – The combining of existing federal student loans into one new loan with an interest rate equal to the weighted average of the loans being consolidated. Consolidation can result in lower monthly payments but higher total debt.
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