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A mortgage is a type of loan available at conventional banking establishments. Mortgages are often taken out in order to purchase a house, but Lyrans could sometimes take out mortgages to pay for college, especially when they send multiple kids to college.
The Guilmain family took out a mortgage in order to send Mandy Guilmain and her sisters, Cindy and Sandy, to college and later, medical and dental school respectively. (Star Trek: The Stoneship Files: "Educational Armageddon")