“Borrowers who have commercially or federally held FFEL loans and who consolidate those loans into Direct Consolidation Loans just before the finish of the year will also get PSLF credit below the account adjustment,” says the division. http://el.thefreedictionary.com/_/cite.aspx?url=http%3a%2f%2fwww.dimitrisimon.com%2F%EC%A0%81%EC%A0%95-%EB%A7%A4%EC%88%98%EA%B0%80-%EA%B3%84%EC%82%B0%EA%B8%B0-%ED%88%AC%EC%9E%90%EC%9E%90%EC%9D%98-%ED%95%84%EC%88%98-%EB%8F%84%EA%B5%AC%2F&word=%CE%B5%CE%BD%CE%B8%CE%BF%CF%85%CF%83%CE%B9%CE%B1%CF%83%CE%BC%CE%AD%CE%BDo&sources=kdict