If-Statements, Multiple Stipulations to Create one Output

[fergiebp]

I have a reference chart that has many columns with many rows of information i have created a formula to read the chart and output an answer based on what it reads, but after further review I need the output to have one more stipulation.

=IF(COUNTIFS('ESU1'!A3:A50,"*DIRECT*",'ESU1'!B3:B50,"*CONSOLIDATION*",'ESU1'!C3:C50,">="&DATE(2011,10,1)),"On or After 10/01/2011",IF(COUNTIFS('ESU1'!A3:A50,"*DIRECT*",'ESU1'!B3:B50,"*CONSOLIDATION*",'ESU1'!C3:C50,"<"&DATE(2011,10,1)),"Before 10/01/2011","Needs to be Done"))

I want the fourth stipulation to check also if there are any other rows minus their row with a balance....

COUNTIFS('ESU1'!A3:A50,"*DIRECT*",'ESU1'!B3:B50,"*CONSOLIDATION*",'ESU1'!C3:C50,">="&DATE(2011,10,1)),"On or After 10/01/2011" so this is true (Bold lines), but i want different output because the other rows (highlighted in red) have balances in them

I want to verify the above stipulations and include if all these are true, but there are balances in the other cells of that column, other than the bolded balances, then = false

REFERENCE CHART
[TABLE="width: 1096"]
<colgroup><col><col><col span="9"></colgroup><tbody>[TR]
[TD] UNSUBSIDIZED[/TD]
[TD]SCHOOL [/TD]
[TD="align: right"]7/13/2018[/TD]
[TD="align: right"]2/21/2019[/TD]
[TD="align: right"]$1,179[/TD]
[TD="align: right"]$590[/TD]
[TD="align: right"]$589[/TD]
[TD="align: right"]$608[/TD]
[TD="align: right"]$3[/TD]
[TD]FIXED[/TD]
[TD="align: right"]5.05%[/TD]
[/TR]
[TR]
[TD] SUBSIDIZED[/TD]
[TD]SCHOOL [/TD]
[TD="align: right"]7/13/2018[/TD]
[TD="align: right"]2/21/2019[/TD]
[TD="align: right"]$2,750[/TD]
[TD="align: right"]$1,375[/TD]
[TD="align: right"]$1,375[/TD]
[TD="align: right"]$1,375[/TD]
[TD="align: right"]$7[/TD]
[TD]FIXED[/TD]
[TD="align: right"]5.05%[/TD]
[/TR]
[TR]
[TD]DIRECT STAFFORD UNSUBSIDIZED[/TD]
[TD]SCHOOL [/TD]
[TD="align: right"]5/4/2018[/TD]
[TD="align: right"]2/21/2019[/TD]
[TD="align: right"]$1,710[/TD]
[TD="align: right"]$1,710[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$1,771[/TD]
[TD="align: right"]$8[/TD]
[TD]FIXED[/TD]
[TD="align: right"]4.45%[/TD]
[/TR]
[TR]
[TD] SUBSIDIZED[/TD]
[TD]SCHOOL [/TD]
[TD="align: right"]5/4/2018[/TD]
[TD="align: right"]2/21/2019[/TD]
[TD="align: right"]$2,750[/TD]
[TD="align: right"]$2,750[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$2,750[/TD]
[TD="align: right"]$13[/TD]
[TD]FIXED[/TD]
[TD="align: right"]4.45%[/TD]
[/TR]
[TR]
[TD]UNSUBSIDIZED[/TD]
[TD]SCHOOL [/TD]
[TD="align: right"]8/11/2017[/TD]
[TD="align: right"]2/21/2019[/TD]
[TD="align: right"]$933[/TD]
[TD="align: right"]$933[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$946[/TD]
[TD="align: right"]$4[/TD]
[TD]FIXED[/TD]
[TD="align: right"]4.45%[/TD]
[/TR]
[TR]
[TD] SUBSIDIZED[/TD]
[TD]SCHOOL [/TD]
[TD="align: right"]8/11/2017[/TD]
[TD="align: right"]2/21/2019[/TD]
[TD="align: right"]$1,375[/TD]
[TD="align: right"]$1,375[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$1,375[/TD]
[TD="align: right"]$6[/TD]
[TD]FIXED[/TD]
[TD="align: right"]4.45%[/TD]
[/TR]
[TR]
[TD]DIRECT CONSOLIDATED UNSUBSIDIZED[/TD]
[TD]SCHOOL CODE FOR CONSOLIDATION LOANS[/TD]
[TD="align: right"]5/31/2017[/TD]
[TD="align: right"]5/31/2017[/TD]
[TD="align: right"]$34,108[/TD]
[TD="align: right"]$34,108[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$34,361[/TD]
[TD="align: right"]$2,379[/TD]
[TD]FIXED[/TD]
[TD="align: right"]4.75%[/TD]
[/TR]
[TR]
[TD]DIRECT CONSOLIDATED SUBSIDIZED[/TD]
[TD]SCHOOL CODE FOR CONSOLIDATION LOANS[/TD]
[TD="align: right"]5/31/2017[/TD]
[TD="align: right"]5/31/2017[/TD]
[TD="align: right"]$13,592[/TD]
[TD="align: right"]$13,592[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$13,595[/TD]
[TD="align: right"]$490[/TD]
[TD]FIXED[/TD]
[TD="align: right"]4.75%[/TD]
[/TR]
[TR]
[TD] UNSUBSIDIZED[/TD]
[TD]SCHOOL [/TD]
[TD="align: right"]9/22/2016[/TD]
[TD="align: right"]5/31/2017[/TD]
[TD="align: right"]$2,333[/TD]
[TD="align: right"]$2,333[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$0[/TD]
[TD="align: right"]$0[/TD]
[TD]FIXED[/TD]
[TD="align: right"]3.76%[/TD]
[/TR]
</tbody>[/TABLE]

[TABLE="width: 449"]
<colgroup><col><col><col><col><col><col></colgroup><tbody>[TR]
[TD="colspan: 2"]Loans Before 2014[/TD]
[TD="colspan: 2"]Consolidated[/TD]
[TD="colspan: 2"]Grad/Parent Plus[/TD]
[/TR]
[TR]
[/TR]
[TR]
[TD="colspan: 2"]Yes[/TD]
[TD="colspan: 2"]Needs to be Done[/TD]
[TD="colspan: 2"]No[/TD]
[/TR]
[TR]
[TD] [/TD]
[TD]Principle Balance[/TD]
[TD]Interest Balance[/TD]
[TD]Interest Rate[/TD]
[TD]Weight[/TD]
[TD]Sub or Unsub[/TD]
[/TR]
[TR]
[TD]Loan 1[/TD]
[TD]$608.00[/TD]
[TD]$3.00[/TD]
[TD]5.05%[/TD]
[TD]3086%[/TD]
[TD]Unsub[/TD]
[/TR]
[TR]
[TD]Loan 2[/TD]
[TD]$1,375.00[/TD]
[TD]$7.00[/TD]
[TD]5.05%[/TD]
[TD]6979%[/TD]
[TD]Sub[/TD]
[/TR]
[TR]
[TD]Loan 3[/TD]
[TD]$1,771.00[/TD]
[TD]$8.00[/TD]
[TD]4.45%[/TD]
[TD]7917%[/TD]
[TD]Unsub[/TD]
[/TR]
[TR]
[TD]Loan 4[/TD]
[TD]$2,750.00[/TD]
[TD]$13.00[/TD]
[TD]4.45%[/TD]
[TD]#####[/TD]
[TD]Sub[/TD]
[/TR]
[TR]
[TD]Loan 5[/TD]
[TD]$946.00[/TD]
[TD]$4.00[/TD]
[TD]4.45%[/TD]
[TD]4228%[/TD]
[TD]Unsub[/TD]
[/TR]
[TR]
[TD]Loan 6[/TD]
[TD]$1,375.00[/TD]
[TD]$6.00[/TD]
[TD]4.45%[/TD]
[TD]6145%[/TD]
[TD]Sub[/TD]
[/TR]
[TR]
[TD]Loan 7[/TD]
[TD]$34,361.00[/TD]
[TD]$2,379.00[/TD]
[TD]4.75%[/TD]
[TD]#####[/TD]
[TD]Unsub[/TD]
[/TR]
[TR]
[TD]Loan 8[/TD]
[TD]$13,595.00[/TD]
[TD]$490.00[/TD]
[TD]4.75%[/TD]
[TD]#####[/TD]
[TD]Sub[/TD]
[/TR]
</tbody>[/TABLE]