1.   The center said the loan had a favorable interest rate and came two weeks after President Clinton signed a bill NationsBank supported.

2.   The loan has to be repaid within two years.

3.   The loan has a variable interest rate.

4.   And while Sallie Mae loans are based on both need and good credit, these loans have no such tests.

5.   Any telecommunications-related loans also would have government guarantees, he said.

6.   Bank shares have been sold amid concern bad loans have crimped earnings and will kill the recovery.

7.   Bank loans have to be serviced.

8.   Because such a loan has both adjustable and fixed-rate features, it is sometimes called a hybrid adjustable.

9.   A balloon loan has a fixed rate for a given period of time, after which the borrower must repay, or refinance, the outstanding principal balance.

10.   A home equity loan usually has a fixed rate and a set repayment schedule.