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<strong>ED</strong> – U.S. Department of Education, which may also be referred to as DE or simply the Department.
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<strong>Default Fee subsidy</strong> – Term used to refer to a Default Fee that is paid by a third party on behalf of the borrower.
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<strong>Delinquency</strong> – A period that begins on the day after the due date of a loan payment when the borrower fails to make the equivalent of at least one full payment.

<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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