11.   Asset-backed bonds are created by bundling together the cash flow payments on assets ranging from credit card receivables to auto loan payments -- and now music royalties.

12.   Banc One in Lima, Ohio, for example, will eliminate one third of its jobs because it will no longer sort checks or collect loan payments.

13.   Banks are tightening their lending requirements as delinquent loan payments and bankruptcies rise.

14.   Before her loan payments began, Poskanzer opened an IRA and saved up enough to tide her over for emergencies.

15.   Beginning six months after graduation, students would pay the accrued interest along with their monthly loan payments.

16.   Both the borrower and co-signer are responsible if the loan payments are late.

17.   A few of the doctors have begun investigating whether they have any legal recourse to force the government to come up with the money for the loan payments.

18.   A main selling point in recent years has been using them to consolidate several high-interest credit card debts into a single, lower-interest loan payment.

19.   A local credit union accepts Hours as loan payment, landlords accept them as rent, and attorneys, dentists and psychotherapists take multiple Hours for professional sessions.

20.   A statement from the Fed after the increase might sound like good news to some consumers worried about their loan payments taking another jump this year.