| Knowledgebase Home | Glossary | Favorites     Contact     Login    Home     FAQ     Glossary     Favorites     Contact     Login Welcome to our knowledge base. To find what you're after, use the search box below or choose a category to view listed articles. Search the Knowledgebase Browse by Category [Advanced Search] -- Select Category -- Forbearance and DefermentPaymentsSchool & MilitaryStudent Loan Help All 0-9 A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Word Description Capitalization The addition of unpaid interest to the principal balance of the loan. This increases the total cost of the loan. Consolidation Combining multiple education loans into a new loan with a new payment schedule and interest rate. Credit Rating A credit rating (credit score) is a measure of the likelihood that you pay your debt as agreed. The lower your score the less likely you are to make payments on time. Creditors use this score to determine whether you are a risk and to asses interest rates.