7 CFR 1735.18 - Additional equity.

Code of Federal Regulations, 2010 CFR

2010-01-01

... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.18 Additional equity. If determined by the Administrator to be necessary for loan security, a borrower applying for an initial loan shall increase its net worth as a percentage of assets to...

7 CFR 1735.12 - Nonduplication.

Code of Federal Regulations, 2010 CFR

2010-01-01

... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic... of existing wireline local exchange service or similar fixed-station voice service. RUS may finance...

7 CFR 1735.20 - Acquisitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.20 Acquisitions. (a) RUS finances the acquisition by a borrower of another system, lines...

7 CFR 1710.100 - General.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Basic Policies § 1710.100 General. RUS makes loans and loan guarantees to finance the construction of..., RUS may finance selected operating expenses of its borrowers. Loans made or guaranteed by the...

7 CFR 1710.106 - Uses of loan funds.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Uses of loan funds. 1710.106 Section 1710.106 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.106 Uses of...

7 CFR 1710.106 - Uses of loan funds.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Uses of loan funds. 1710.106 Section 1710.106 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.106 Uses of...

7 CFR 1710.106 - Uses of loan funds.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Uses of loan funds. 1710.106 Section 1710.106 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.106 Uses of...

7 CFR 1710.119 - Loan processing priorities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... and Basic Policies § 1710.119 Loan processing priorities. (a) Generally loans are processed in... in effect at the time the facilities were originally constructed; (3) To finance the capital needs of...

7 CFR 1945.35 - Special EM loan training.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...

7 CFR 1710.105 - State regulatory approvals.

Code of Federal Regulations, 2010 CFR

2010-01-01

... and Basic Policies § 1710.105 State regulatory approvals. (a) In States where a borrower is required... loans are approved by RUS: (1) Loans requiring an Environmental Impact Statement; (2) Loans to finance...

7 CFR 1710.115 - Final maturity.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Basic Policies § 1710.115 Final maturity. (a) RUS is authorized to make loans and loan guarantees with a... due, in part, to obsolescence. Operating loans to finance working capital required for the initial...

EDExpress, 2000-2001: Direct Loan.

ERIC Educational Resources Information Center

Department of Education, Washington, DC. Student Financial Assistance.

This workbook covers all the processes needed to administer the federal direct loan program in schools; it requires familiarity with the basic concepts found in the "Direct Loan School Guide." The eight units of instruction include: Unit 1: an overview; Unit 2: processing loan records, including the EDExpress setup, the processing cycle,…

12 CFR 618.8325 - Disclosure of loan documents.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) Loan means a loan made to a farmer, rancher, or producer or harvester of aquatic products, for any agricultural or aquatic purpose and other credit needs of the borrower, including financing for basic..., ranchers, and producers or harvesters of aquatic products. (4) Loan contract means any written agreement...

12 CFR 618.8325 - Disclosure of loan documents.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Loan means a loan made to a farmer, rancher, or producer or harvester of aquatic products, for any agricultural or aquatic purpose and other credit needs of the borrower, including financing for basic..., ranchers, and producers or harvesters of aquatic products. (4) Loan contract means any written agreement...

7 CFR 1710.120 - Construction standards and contracting.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SERVICE, DEPARTMENT OF AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.120 Construction standards and contracting. Borrowers shall follow all RUS requirements regarding construction work plans, construction standards...

Direct Loan Update, 2002-2003. EDExpress Training. Participant Guide.

ERIC Educational Resources Information Center

Office of Student Financial Assistance (ED), Washington, DC.

This participant guide is an update to basic training in the Direct Loan (DL) portion of the EDExpress system designed for financial aid professionals who have already participated in the basic training. The first session considers new aspects of DL processing, focusing on DL process changes and EDExpress DL changes. Session 2 contains three…

7 CFR 1738.11 - Availability of broadband service.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of broadband service. 1738.11 Section 1738.11 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies...

7 CFR 1738.17 - Civil rights.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Civil rights. 1738.17 Section 1738.17 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.17 Civil rights...

7 CFR 1738.17 - Civil rights.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Civil rights. 1738.17 Section 1738.17 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.17 Civil rights...

7 CFR 1945.35 - Special EM loan training.

Code of Federal Regulations, 2012 CFR

2012-01-01

... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... 7 Agriculture 13 2012-01-01 2012-01-01 false Special EM loan training. 1945.35 Section 1945.35...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training...

7 CFR 1945.35 - Special EM loan training.

Code of Federal Regulations, 2011 CFR

2011-01-01

... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... 7 Agriculture 13 2011-01-01 2009-01-01 true Special EM loan training. 1945.35 Section 1945.35...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training...

Borrowing and Repaying Student Loans

ERIC Educational Resources Information Center

Hillman, Nicholas W.

2015-01-01

This essay synthesizes the most recent and rigorous research on student loan debt. It focuses on basic questions about who borrows, how much, and whether debt affects behaviors. Answers to these questions are necessary for informing federal student loan policymaking, yet the research findings are surprisingly mixed because of poor data quality,…

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18... for the 2012 crop year. (b) The national average loan rate for refined beet sugar from domestically...

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18... for the 2012 crop year. (b) The national average loan rate for refined beet sugar from domestically...

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18... for the 2012 crop year. (b) The national average loan rate for refined beet sugar from domestically...

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18... for the 2012 crop year. (b) The national average loan rate for refined beet sugar from domestically...

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18... for the 2012 crop year. (b) The national average loan rate for refined beet sugar from domestically...

13 CFR 120.215 - What interest rates apply to smaller loans?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rates apply to... BUSINESS LOANS Policies Specific to 7(a) Loans Maturities; Interest Rates; Loan and Guarantee Amounts § 120.215 What interest rates apply to smaller loans? For a loan over $25,000 but not exceeding $50,000, the...

13 CFR 120.315 - Interest rate and loan limit.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Interest rate and loan limit. 120... Special Purpose Loans Disabled Assistance Loan Program (dal) § 120.315 Interest rate and loan limit. The interest rate on direct DAL loans is three percent. There is an administrative limit of $150,000 on a...

77 FR 20890 - Proposed Information Collection (Interest Rate Reduction Refinancing Loan Worksheet) Activity...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-06

... (Interest Rate Reduction Refinancing Loan Worksheet) Activity: Comment Request AGENCY: Veterans Benefits... to determine whether lenders computed the loan amount on interest rate reduction refinancing loans.... Title: Interest Rate Reduction Refinancing Loan Worksheet, VA Form 26-8923. OMB Control Number: 2900...

13 CFR 120.213 - What fixed interest rates may a Lender charge?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What fixed interest rates may a... BUSINESS LOANS Policies Specific to 7(a) Loans Maturities; Interest Rates; Loan and Guarantee Amounts § 120.213 What fixed interest rates may a Lender charge? (a) Fixed Rates for Guaranteed Loans. A loan may...

7 CFR 765.404 - Transfer of security to and assumption of debt by ineligible applicants.

Code of Federal Regulations, 2010 CFR

2010-01-01

... lesser of the market value or unpaid debt. (e) Interest rate. The interest rate will be the Non-program interest rate in effect at the time of loan approval. (f) Loan terms. (1) For a Non-program loan secured by... loan rates and terms. (2) The Agency will reclassify the assumed loan as a Non-program loan. (b...

7 CFR 1735.19 - Mergers and consolidations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Basic Policies § 1735.19 Mergers and consolidations. RUS does not make loans for the sole purpose of... making loans to the telephone system to finance the improvement or extension of telephone service in...

76 FR 33028 - Agency Information Collection (Requirements for Interest Rate Reduction Refinancing Loans...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-07

... (Requirements for Interest Rate Reduction Refinancing Loans) Activity Under OMB Review AGENCY: Veterans Benefits...: Requirements for Interest Rate Reduction Refinancing Loans. OMB Control Number: 2900-0601. Type of Review..., insured, or direct loan with a new loan at a lower interest rate provided that the veteran still owns the...

13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

Code of Federal Regulations, 2011 CFR

2011-01-01

...-disaster mitigation loan? 123.406 Section 123.406 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.406 What is the interest rate on a pre-disaster mitigation loan? The interest rate on a pre-disaster mitigation loan will be fixed at 4 percent...

13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

Code of Federal Regulations, 2014 CFR

2014-01-01

... economic injury disaster loan? 123.302 Section 123.302 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.302 What is the interest rate on an economic injury disaster loan? Your economic injury loan will have an interest rate of 4 percent per annum...

13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

Code of Federal Regulations, 2014 CFR

2014-01-01

...-disaster mitigation loan? 123.406 Section 123.406 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.406 What is the interest rate on a pre-disaster mitigation loan? The interest rate on a pre-disaster mitigation loan will be fixed at 4 percent...

13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

Code of Federal Regulations, 2012 CFR

2012-01-01

... economic injury disaster loan? 123.302 Section 123.302 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.302 What is the interest rate on an economic injury disaster loan? Your economic injury loan will have an interest rate of 4 percent per annum...

13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

Code of Federal Regulations, 2012 CFR

2012-01-01

...-disaster mitigation loan? 123.406 Section 123.406 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.406 What is the interest rate on a pre-disaster mitigation loan? The interest rate on a pre-disaster mitigation loan will be fixed at 4 percent...

13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

Code of Federal Regulations, 2013 CFR

2013-01-01

... economic injury disaster loan? 123.302 Section 123.302 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.302 What is the interest rate on an economic injury disaster loan? Your economic injury loan will have an interest rate of 4 percent per annum...

13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

Code of Federal Regulations, 2011 CFR

2011-01-01

... economic injury disaster loan? 123.302 Section 123.302 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.302 What is the interest rate on an economic injury disaster loan? Your economic injury loan will have an interest rate of 4 percent per annum...

13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

Code of Federal Regulations, 2013 CFR

2013-01-01

...-disaster mitigation loan? 123.406 Section 123.406 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.406 What is the interest rate on a pre-disaster mitigation loan? The interest rate on a pre-disaster mitigation loan will be fixed at 4 percent...

7 CFR 1714.4 - Interest rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Interest rates. 1714.4 Section 1714.4 Agriculture... PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.4 Interest rates. (a) Municipal rate loans. Each advance of funds on a municipal rate loan shall bear interest at a single rate...

7 CFR 1714.4 - Interest rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Interest rates. 1714.4 Section 1714.4 Agriculture... PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.4 Interest rates. (a) Municipal rate loans. Each advance of funds on a municipal rate loan shall bear interest at a single rate...

7 CFR 1714.4 - Interest rates.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Interest rates. 1714.4 Section 1714.4 Agriculture... PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.4 Interest rates. (a) Municipal rate loans. Each advance of funds on a municipal rate loan shall bear interest at a single rate...

7 CFR 1714.4 - Interest rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Interest rates. 1714.4 Section 1714.4 Agriculture... PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.4 Interest rates. (a) Municipal rate loans. Each advance of funds on a municipal rate loan shall bear interest at a single rate...

7 CFR 1714.4 - Interest rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Interest rates. 1714.4 Section 1714.4 Agriculture... PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.4 Interest rates. (a) Municipal rate loans. Each advance of funds on a municipal rate loan shall bear interest at a single rate...

78 FR 59011 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-25

... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the... Aid announces the interest rates for loans made under the William D. Ford Federal Direct Loan (Direct...(b)), provides formulas for determining the interest rates charged to borrowers for loans made under...

7 CFR 1610.10 - Determination of interest rate on Bank loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rate on Bank loans. 1610.10..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.10 Determination of interest rate on Bank loans. (a) All loan..., shall bear interest at the rate determined as established below, but not less than 5 percent per annum...

7 CFR 1714.8 - Hardship rate loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Hardship rate loans. 1714.8 Section 1714.8 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.8 Hardship rate loans...

7 CFR 1710.104 - Service to non-RE Act beneficiaries.

Code of Federal Regulations, 2010 CFR

2010-01-01

... GUARANTEES Loan Purposes and Basic Policies § 1710.104 Service to non-RE Act beneficiaries. (a) To the... made to finance electric facilities to serve consumers that are not RE Act beneficiaries. (b) Loan...

13 CFR 123.302 - What is the interest rate on an economic injury disaster loan?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the interest rate on an... ADMINISTRATION DISASTER LOAN PROGRAM Economic Injury Disaster Loans § 123.302 What is the interest rate on an economic injury disaster loan? Your economic injury loan will have an interest rate of 4 percent per annum...

13 CFR 123.406 - What is the interest rate on a pre-disaster mitigation loan?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the interest rate on a pre... ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.406 What is the interest rate on a pre-disaster mitigation loan? The interest rate on a pre-disaster mitigation loan will be fixed at 4 percent...

7 CFR 1610.10 - Determination of interest rate on Bank loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Determination of interest rate on Bank loans. 1610.10 Section 1610.10 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.10 Determination of interest rate on Bank loans. (a) All loan...

Student Loans: Direct Loan Default. Report to Congressional Requesters.

ERIC Educational Resources Information Center

Bovbjerg, Barbara D.

This report presents data on default rates within two major federal student loan programs, the Federal Direct Loan Program (FDLP) and the Federal Family Education Loan Program (FFELP). Data from the National Student Loan Data System for 1997 and 1998 indicate that, overall, direct and guaranteed student loan programs had similar default rates--6.6…

7 CFR 3550.66 - Interest rate.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest rate. 3550.66 Section 3550.66 Agriculture... DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 502 Origination § 3550.66 Interest rate. Loans will be written using the applicable RHS interest rate in effect at loan approval or loan closing...

13 CFR 120.932 - Interest rate.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Interest rate. 120.932 Section 120.932 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) 504 Loans and Debentures § 120.932 Interest rate. The interest rate of the 504 Loan...

7 CFR 3550.66 - Interest rate.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 15 2011-01-01 2011-01-01 false Interest rate. 3550.66 Section 3550.66 Agriculture... DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 502 Origination § 3550.66 Interest rate. Loans will be written using the applicable RHS interest rate in effect at loan approval or loan closing...

7 CFR 3550.66 - Interest rate.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Interest rate. 3550.66 Section 3550.66 Agriculture... DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 502 Origination § 3550.66 Interest rate. Loans will be written using the applicable RHS interest rate in effect at loan approval or loan closing...

13 CFR 120.932 - Interest rate.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Interest rate. 120.932 Section 120.932 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) 504 Loans and Debentures § 120.932 Interest rate. The interest rate of the 504 Loan...

13 CFR 120.932 - Interest rate.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Interest rate. 120.932 Section 120.932 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) 504 Loans and Debentures § 120.932 Interest rate. The interest rate of the 504 Loan...

13 CFR 120.932 - Interest rate.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Interest rate. 120.932 Section 120.932 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) 504 Loans and Debentures § 120.932 Interest rate. The interest rate of the 504 Loan...

7 CFR 3550.66 - Interest rate.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 15 2014-01-01 2014-01-01 false Interest rate. 3550.66 Section 3550.66 Agriculture... DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 502 Origination § 3550.66 Interest rate. Loans will be written using the applicable RHS interest rate in effect at loan approval or loan closing...

7 CFR 3550.66 - Interest rate.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Interest rate. 3550.66 Section 3550.66 Agriculture... DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 502 Origination § 3550.66 Interest rate. Loans will be written using the applicable RHS interest rate in effect at loan approval or loan closing...

13 CFR 120.932 - Interest rate.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Interest rate. 120.932 Section 120.932 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) 504 Loans and Debentures § 120.932 Interest rate. The interest rate of the 504 Loan...

13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

Code of Federal Regulations, 2014 CFR

2014-01-01

... my home disaster loan? 123.104 Section 123.104 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.104 What interest rate will I pay on my home disaster loan? If you can obtain credit elsewhere, your interest rate is set by a statutory formula, but...

13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

Code of Federal Regulations, 2013 CFR

2013-01-01

... my home disaster loan? 123.104 Section 123.104 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.104 What interest rate will I pay on my home disaster loan? If you can obtain credit elsewhere, your interest rate is set by a statutory formula, but...

13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

Code of Federal Regulations, 2012 CFR

2012-01-01

... my home disaster loan? 123.104 Section 123.104 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.104 What interest rate will I pay on my home disaster loan? If you can obtain credit elsewhere, your interest rate is set by a statutory formula, but...

13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

Code of Federal Regulations, 2011 CFR

2011-01-01

... my home disaster loan? 123.104 Section 123.104 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.104 What interest rate will I pay on my home disaster loan? If you can obtain credit elsewhere, your interest rate is set by a statutory formula, but...

7 CFR 1735.33 - Variable interest rate loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Variable interest rate loans. 1735.33 Section 1735.33... § 1735.33 Variable interest rate loans. After June 10, 1991, and prior to November 1, 1993, RUS made certain variable rate loans at interest rates less than 5 percent but not less than 2 percent. For those...

7 CFR 3575.80 - Interest rate changes after loan closing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest rate changes after loan closing. 3575.80..., DEPARTMENT OF AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.80 Interest rate changes after...) may collectively effect a permanent reduction in the interest rate on the guaranteed loan at any time...

7 CFR 761.9 - Interest rates for direct loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rates for direct loans. 761.9 Section 761.9... AGRICULTURE SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.9 Interest rates for direct loans. Interest rates for all direct loans are set in accordance with the Act. A copy of the...

7 CFR 1738.152 - Interest rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Interest rates. 1738.152 Section 1738.152 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Direct Loan Terms § 1738.152 Interest rates. (a) Direct cost-of-money loans shall bear interest at a rate equal to the cost of borrowing to the Department of...

7 CFR 1738.152 - Interest rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Interest rates. 1738.152 Section 1738.152 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Direct Loan Terms § 1738.152 Interest rates. (a) Direct cost-of-money loans shall bear interest at a rate equal to the cost of borrowing to the Department of...

7 CFR 1738.152 - Interest rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Interest rates. 1738.152 Section 1738.152 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Direct Loan Terms § 1738.152 Interest rates. (a) Direct cost-of-money loans shall bear interest at a rate equal to the cost of borrowing to the Department of...

12 CFR Appendix L to Part 226 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates

Code of Federal Regulations, 2010 CFR

2010-01-01

... Annual Loan Cost Rates L Appendix L to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. L Appendix L to Part 226—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates (a) Required...

34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

Code of Federal Regulations, 2011 CFR

2011-07-01

... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2011-07-01 2011-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

Code of Federal Regulations, 2014 CFR

2014-07-01

... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2014-07-01 2014-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

Code of Federal Regulations, 2010 CFR

2010-07-01

... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2010-07-01 2010-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

Code of Federal Regulations, 2013 CFR

2013-07-01

... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2013-07-01 2013-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

34 CFR 674.5 - Federal Perkins Loan program cohort default rate and penalties.

Code of Federal Regulations, 2012 CFR

2012-07-01

... from an institution's cohort default rate calculation if the loan is— (A) Discharged due to death or... 34 Education 3 2012-07-01 2012-07-01 false Federal Perkins Loan program cohort default rate and... Provisions § 674.5 Federal Perkins Loan program cohort default rate and penalties. (a) Default penalty. If an...

13 CFR 120.826 - Basic requirements for operating a CDC.

Code of Federal Regulations, 2014 CFR

2014-01-01

... such loan, loan-related collateral or appraisal) and standards for work papers and supporting... accountant that is independent and experienced in auditing financial institutions. The audit must be... Board of the American Institute of Certified Public Accountants (AICPA). The auditor must be independent...

13 CFR 120.826 - Basic requirements for operating a CDC.

Code of Federal Regulations, 2013 CFR

2013-01-01

... such loan, loan-related collateral or appraisal) and standards for work papers and supporting... accountant that is independent and experienced in auditing financial institutions. The audit must be... Board of the American Institute of Certified Public Accountants (AICPA). The auditor must be independent...

13 CFR 120.826 - Basic requirements for operating a CDC.

Code of Federal Regulations, 2011 CFR

2011-01-01

... such loan, loan-related collateral or appraisal) and standards for work papers and supporting... accountant that is independent and experienced in auditing financial institutions. The audit must be... Board of the American Institute of Certified Public Accountants (AICPA). The auditor must be independent...

13 CFR 120.826 - Basic requirements for operating a CDC.

Code of Federal Regulations, 2012 CFR

2012-01-01

... such loan, loan-related collateral or appraisal) and standards for work papers and supporting... accountant that is independent and experienced in auditing financial institutions. The audit must be... Board of the American Institute of Certified Public Accountants (AICPA). The auditor must be independent...

42 CFR 23.25 - How will interest rates for loans be determined?

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false How will interest rates for loans be determined? 23... will interest rates for loans be determined? Interest will be charged at the Treasury Current Value of Funds (CVF) rate in effect on April 1 immediately preceding the date on which the loan is approved and...

78 FR 53431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-29

... Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct Loan... Operating Officer for Federal Student Aid announces the interest rates for the period July 1, 2013, through...(b)), provides formulas for determining the interest rates charged to borrowers for loans made under...

78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-29

... Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan Program... Federal Student Aid announces the interest rates for the period July 1, 2013, through June 30, 2014, for..., 2010. The Chief Operating Officer takes this action to give notice of FFEL Program loan interest rates...

Cash Management/Data Matching. Training Guide.

ERIC Educational Resources Information Center

Office of Student Financial Assistance (ED), Washington, DC.

This training guide for financial aid staff explains the process of direct loan reconciliation and suggests appropriate cash management accounting practices. Chapter 1 explains the importance of cash management, the role of data matching, and reviews basic reconciliation concepts and terms and direct loan reporting requirements. Chapter 2 reviews…

The Fiscal and Social Costs of Consolidating Student Loans at Fixed Interest Rates. Working Paper No. 104

ERIC Educational Resources Information Center

Hassett, Kevin A.; Shapiro, Robert J.

2004-01-01

The federal government's student loan programs have been very successful, with two-thirds of all students or their families relying on loans provided or subsidized by the federal government. One of these student loan programs allows student borrowers to consolidate their previous loans into a single loan at a subsidized fixed rate based on the…

13 CFR 123.104 - What interest rate will I pay on my home disaster loan?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rate will I pay on... ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.104 What interest rate will I pay on my home disaster loan? If you can obtain credit elsewhere, your interest rate is set by a statutory formula, but...

Guaranteed Student Loans: Eliminating Interest Rate Floors Could Generate Substantial Savings. Report to the Honorable George D. Mitchell, U.S. Senate.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

A study was done of how interest rate floors on certain guaranteed student loans affect the federal government's and students' costs when rates on short-term government securities decline. The study developed cost comparisons using fixed and variable loan interest rates. For comparison Department of Education projections of loan volumes for fiscal…

12 CFR 617.7115 - How should a qualified lender disclose loan origination charges?

Code of Federal Regulations, 2010 CFR

2010-01-01

... BORROWER RIGHTS Disclosure of Effective Interest Rates § 617.7115 How should a qualified lender disclose... for making a loan must be included in the effective interest rate as a loan origination charge. These include, but are not limited to, loan origination fees, application fees, and conversion fees. Loan...

12 CFR 614.4260 - Evaluation requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... evaluated on the five basic credit factors, without considering the subject real estate, would support the credit decision that was based on other sources of repayment or collateral; (4) A lien on real estate is..., even with the advancement of new loan funds; (6) A Farm Credit System institution purchases a loan or...

7 CFR 1714.5 - Determination of interest rates on municipal rate loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rates on municipal rate... General § 1714.5 Determination of interest rates on municipal rate loans. (a) RUS will post on the RUS website, Electric Program HomePage, a schedule of interest rates for municipal rate loans at the beginning...

78 FR 13999 - Maximum Interest Rates on Guaranteed Farm Loans

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-04

... loan customers. The existing regulations in 7 CFR 762.124(a)(3) tie the rate to that rate charged an ``average agricultural loan customer,'' as defined in 7 CFR 761.2. This rule would not change the core... charged an average agricultural loan customer. This interim rule follows a proposed rule on the same topic...

7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

Code of Federal Regulations, 2010 CFR

2010-01-01

... interest at a rate set by the lender consistent with the current applicable market rate for a loan of... Derivative or any Guaranteed-Amount Debt Derivative; or (B) Any holder of the Guaranteed Loan Note or any Guaranteed Loan Portion Note or any Derivative, as the case may be, having a claim to payments on the...

13 CFR 120.214 - What conditions apply for variable interest rates?

Code of Federal Regulations, 2010 CFR

2010-01-01

... interest rates? 120.214 Section 120.214 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Policies Specific to 7(a) Loans Maturities; Interest Rates; Loan and Guarantee Amounts § 120.214 What conditions apply for variable interest rates? A Lender may use a variable rate of interest...

7 CFR 4280.152 - Servicing guaranteed loans.

Code of Federal Regulations, 2013 CFR

2013-01-01

... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Energy for America Program General Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.152 Servicing... rates, after adjustments, must comply with the requirements for interest rates on new loans as...

7 CFR 4280.152 - Servicing guaranteed loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Energy for America Program General Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.152 Servicing... rates, after adjustments, must comply with the requirements for interest rates on new loans as...

7 CFR 4280.152 - Servicing guaranteed loans.

Code of Federal Regulations, 2012 CFR

2012-01-01

... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Rural Energy for America Program General Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.152 Servicing... rates, after adjustments, must comply with the requirements for interest rates on new loans as...

How CBO Analyzes the Sources of Lenders' Interest Income on Guaranteed Student Loans. A CBO Report

ERIC Educational Resources Information Center

Alsalam, Nabeel

2004-01-01

The Federal Family Education Loan (FFEL) program guarantees loans for postsecondary education to students and their parents at a limited interest rate. However, limiting borrowers' rates creates a danger that lenders will not be willing to participate in the program if their costs of financing and servicing the loans exceed the interest rates they…

7 CFR 1737.71 - Interest rate to be considered for the purpose of assessing feasibility for loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

...-year Treasury rate will be used in all feasibility studies for loans with a final maturity of at least... rate used in feasibility studies for loans with final maturities of less than 30 years. (c) The... “date of determination” means the date of the feasibility study used in support of the loan...

12 CFR 502.29 - How does OTS determine the condition component for a savings and loan holding company?

Code of Federal Regulations, 2011 CFR

2011-01-01

... holding company? (a) If the most recent examination rating assigned to the responsible savings and loan holding company (or most recent examination rating assigned to any savings and loan holding company in the... system. OTS uses the most recent rating of which the savings and loan holding company has been notified...

12 CFR 502.29 - How does OTS determine the condition component for a savings and loan holding company?

Code of Federal Regulations, 2013 CFR

2013-01-01

... holding company? (a) If the most recent examination rating assigned to the responsible savings and loan holding company (or most recent examination rating assigned to any savings and loan holding company in the... system. OTS uses the most recent rating of which the savings and loan holding company has been notified...

12 CFR 502.29 - How does OTS determine the condition component for a savings and loan holding company?

Code of Federal Regulations, 2012 CFR

2012-01-01

... holding company? (a) If the most recent examination rating assigned to the responsible savings and loan holding company (or most recent examination rating assigned to any savings and loan holding company in the... system. OTS uses the most recent rating of which the savings and loan holding company has been notified...

12 CFR 502.29 - How does OTS determine the condition component for a savings and loan holding company?

Code of Federal Regulations, 2014 CFR

2014-01-01

... holding company? (a) If the most recent examination rating assigned to the responsible savings and loan holding company (or most recent examination rating assigned to any savings and loan holding company in the... system. OTS uses the most recent rating of which the savings and loan holding company has been notified...

12 CFR 502.29 - How does OTS determine the condition component for a savings and loan holding company?

Code of Federal Regulations, 2010 CFR

2010-01-01

... holding company? (a) If the most recent examination rating assigned to the responsible savings and loan holding company (or most recent examination rating assigned to any savings and loan holding company in the... system. OTS uses the most recent rating of which the savings and loan holding company has been notified...

7 CFR 1940.552 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... REGULATIONS (CONTINUED) GENERAL Methodology and Formulas for Allocation of Loan and Grant Program Funds § 1940..., funds will be controlled by the National Office. (b) Basic formula criteria, data source and weight. Basic formulas are used to calculate a basic state factor as a part of the methodology for allocating...

7 CFR 1940.552 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... REGULATIONS (CONTINUED) GENERAL Methodology and Formulas for Allocation of Loan and Grant Program Funds § 1940..., funds will be controlled by the National Office. (b) Basic formula criteria, data source and weight. Basic formulas are used to calculate a basic state factor as a part of the methodology for allocating...

7 CFR 1940.552 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... REGULATIONS (CONTINUED) GENERAL Methodology and Formulas for Allocation of Loan and Grant Program Funds § 1940..., funds will be controlled by the National Office. (b) Basic formula criteria, data source and weight. Basic formulas are used to calculate a basic state factor as a part of the methodology for allocating...

7 CFR 1940.552 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... REGULATIONS (CONTINUED) GENERAL Methodology and Formulas for Allocation of Loan and Grant Program Funds § 1940..., funds will be controlled by the National Office. (b) Basic formula criteria, data source and weight. Basic formulas are used to calculate a basic state factor as a part of the methodology for allocating...

13 CFR 123.203 - What interest rate will my business pay on a physical disaster business loan and what are the...

Code of Federal Regulations, 2012 CFR

2012-01-01

... business pay on a physical disaster business loan and what are the repayment terms? 123.203 Section 123.203 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Physical Disaster Business Loans § 123.203 What interest rate will my business pay on a physical disaster business loan and...

13 CFR 123.203 - What interest rate will my business pay on a physical disaster business loan and what are the...

Code of Federal Regulations, 2013 CFR

2013-01-01

... business pay on a physical disaster business loan and what are the repayment terms? 123.203 Section 123.203 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Physical Disaster Business Loans § 123.203 What interest rate will my business pay on a physical disaster business loan and...

13 CFR 123.203 - What interest rate will my business pay on a physical disaster business loan and what are the...

Code of Federal Regulations, 2014 CFR

2014-01-01

... business pay on a physical disaster business loan and what are the repayment terms? 123.203 Section 123.203 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Physical Disaster Business Loans § 123.203 What interest rate will my business pay on a physical disaster business loan and...

13 CFR 123.203 - What interest rate will my business pay on a physical disaster business loan and what are the...

Code of Federal Regulations, 2011 CFR

2011-01-01

... business pay on a physical disaster business loan and what are the repayment terms? 123.203 Section 123.203 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Physical Disaster Business Loans § 123.203 What interest rate will my business pay on a physical disaster business loan and...

Software-Based Visual Loan Calculator For Banking Industry

NASA Astrophysics Data System (ADS)

Isizoh, A. N.; Anazia, A. E.; Okide, S. O. 3; Onyeyili, T. I.; Okwaraoka, C. A. P.

2012-03-01

industry is very necessary in modern day banking system using many design techniques for security reasons. This paper thus presents the software-based design and implementation of a Visual Loan calculator for banking industry using Visual Basic .Net (VB.Net). The fundamental approach to this is to develop a Graphical User Interface (GUI) using VB.Net operating tools, and then developing a working program which calculates the interest of any loan obtained. The VB.Net programming was done, implemented and the software proved satisfactory.

7 CFR 1714.6 - Interest rate term.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Interest rate term. 1714.6 Section 1714.6 Agriculture... PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.6 Interest rate term. (a) Municipal rate loans. Selection of interest rate terms shall be made by the borrower for each advance of...

7 CFR 1735.33 - Variable interest rate loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... downward to a rate not less than the rate determined in the feasibility study on which the loan was based..., projections set forth in the loan feasibility study will be revised annually by RUS (beginning within four... adjusted. The interest rate used in determining feasibility is the rate charged to the borrower until the...

7 CFR 1777.31 - Rates.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 12 2011-01-01 2011-01-01 false Rates. 1777.31 Section 1777.31 Agriculture... (CONTINUED) SECTION 306C WWD LOANS AND GRANTS § 1777.31 Rates. (a) Applicant loans will bear interest at the rate of 5 percent per annum. (b) Individual loans will bear interest at the rate of: (1) Five percent...

7 CFR 1777.31 - Rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Rates. 1777.31 Section 1777.31 Agriculture... (CONTINUED) SECTION 306C WWD LOANS AND GRANTS § 1777.31 Rates. (a) Applicant loans will bear interest at the rate of 5 percent per annum. (b) Individual loans will bear interest at the rate of: (1) Five percent...

7 CFR 1777.31 - Rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 12 2012-01-01 2012-01-01 false Rates. 1777.31 Section 1777.31 Agriculture... (CONTINUED) SECTION 306C WWD LOANS AND GRANTS § 1777.31 Rates. (a) Applicant loans will bear interest at the rate of 5 percent per annum. (b) Individual loans will bear interest at the rate of: (1) Five percent...

7 CFR 1777.31 - Rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 12 2014-01-01 2013-01-01 true Rates. 1777.31 Section 1777.31 Agriculture Regulations... (CONTINUED) SECTION 306C WWD LOANS AND GRANTS § 1777.31 Rates. (a) Applicant loans will bear interest at the rate of 5 percent per annum. (b) Individual loans will bear interest at the rate of: (1) Five percent...

7 CFR 1777.31 - Rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 12 2013-01-01 2013-01-01 false Rates. 1777.31 Section 1777.31 Agriculture... (CONTINUED) SECTION 306C WWD LOANS AND GRANTS § 1777.31 Rates. (a) Applicant loans will bear interest at the rate of 5 percent per annum. (b) Individual loans will bear interest at the rate of: (1) Five percent...

7 CFR 1710.114 - TIER, DSC, OTIER and ODSC requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false TIER, DSC, OTIER and ODSC requirements. 1710.114... AND GUARANTEES Loan Purposes and Basic Policies § 1710.114 TIER, DSC, OTIER and ODSC requirements. (a) General. Requirements for coverage ratios are set forth in the borrower's mortgage, loan contract, or...

77 FR 38397 - Agency Information Collection (Interest Rate Reduction Refinancing Loan Worksheet) Activities...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-27

... . Please refer to ``OMB Control No. 2900- 0386.'' SUPPLEMENTARY INFORMATION: Title: Interest Rate Reduction... guaranty on all interest rate reduction refinancing loan and provide a receipt as proof that the funding... ensure lenders computed the funding fee and the maximum permissible loan amount for interest rate...

38 CFR 36.4223 - Interest rate reduction refinancing loan.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Interest rate reduction..., Including Site Preparation General Provisions § 36.4223 Interest rate reduction refinancing loan. (a) A... to reduce the interest rate payable on the Department of Veterans Affairs loan provided the following...

76 FR 15055 - Proposed Information Collection (Requirements for Interest Rate Reduction Refinancing Loans...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-18

... (Requirements for Interest Rate Reduction Refinancing Loans); Comment Request AGENCY: Veterans Benefits... to refinance a delinquent VA-guaranteed loan with a lower interest rate. DATES: Written comments and... techniques or the use of other forms of information technology. Title: Requirements for Interest Rate...

7 CFR 4280.311 - Loan provisions for Agency loans to microlenders.

Code of Federal Regulations, 2011 CFR

2011-01-01

... administer by making and servicing microloans in one or more rural areas. (b) Eligible activities... the microlender's lending policies and procedures shall limit the microlender's loan to the... will accrue interest at a rate of 1 or 2 percent based on the ultimate interest rate on the loan...

7 CFR 4280.311 - Loan provisions for Agency loans to microlenders.

Code of Federal Regulations, 2014 CFR

2014-01-01

... administer by making and servicing microloans in one or more rural areas. (b) Eligible activities... the microlender's lending policies and procedures shall limit the microlender's loan to the... will accrue interest at a rate of 1 or 2 percent based on the ultimate interest rate on the loan...

7 CFR 1810.2 - Adjustment of interest rates for certain loans involving use of or construction on prime or...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Adjustment of interest rates for certain loans... INTEREST RATES, TERMS, CONDITIONS, AND APPROVAL AUTHORITY Interest Rates, Amortization, Guarantee Fee, Annual Charge, and Fixed Period § 1810.2 Adjustment of interest rates for certain loans involving use of...

7 CFR 1779.80 - Interest rate changes after loan closing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 12 2010-01-01 2010-01-01 false Interest rate changes after loan closing. 1779.80....80 Interest rate changes after loan closing. (a) General. Subject to the restrictions below, the borrower, lender, and holder (if any) may collectively effect a permanent reduction in the interest rate on...

Does Lateral Transmission Obscure Inheritance in Hunter-Gatherer Languages?

PubMed Central

Bowern, Claire; Epps, Patience; Gray, Russell; Hill, Jane; Hunley, Keith; McConvell, Patrick; Zentz, Jason

2011-01-01

In recent years, linguists have begun to increasingly rely on quantitative phylogenetic approaches to examine language evolution. Some linguists have questioned the suitability of phylogenetic approaches on the grounds that linguistic evolution is largely reticulate due to extensive lateral transmission, or borrowing, among languages. The problem may be particularly pronounced in hunter-gatherer languages, where the conventional wisdom among many linguists is that lexical borrowing rates are so high that tree building approaches cannot provide meaningful insights into evolutionary processes. However, this claim has never been systematically evaluated, in large part because suitable data were unavailable. In addition, little is known about the subsistence, demographic, ecological, and social factors that might mediate variation in rates of borrowing among languages. Here, we evaluate these claims with a large sample of hunter-gatherer languages from three regions around the world. In this study, a list of 204 basic vocabulary items was collected for 122 hunter-gatherer and small-scale cultivator languages from three ecologically diverse case study areas: northern Australia, northwest Amazonia, and California and the Great Basin. Words were rigorously coded for etymological (inheritance) status, and loan rates were calculated. Loan rate variability was examined with respect to language area, subsistence mode, and population size, density, and mobility; these results were then compared to the sample of 41 primarily agriculturalist languages in [1]. Though loan levels varied both within and among regions, they were generally low in all regions (mean 5.06%, median 2.49%, and SD 7.56), despite substantial demographic, ecological, and social variation. Amazonian levels were uniformly very low, with no language exhibiting more than 4%. Rates were low but more variable in the other two study regions, in part because of several outlier languages where rates of borrowing were especially high. High mobility, prestige asymmetries, and language shift may contribute to the high rates in these outliers. No support was found for claims that hunter-gatherer languages borrow more than agriculturalist languages. These results debunk the myth of high borrowing in hunter-gatherer languages and suggest that the evolution of these languages is governed by the same type of rules as those operating in large-scale agriculturalist speech communities. The results also show that local factors are likely to be more critical than general processes in determining high (or low) loan rates. PMID:21980394

Private Loans: Facts and Trends

ERIC Educational Resources Information Center

Institute for College Access & Success, 2014

2014-01-01

Private loans are one of the riskiest ways to finance a college education. Like credit cards, they typically have variable interest rates. Both variable and fixed rates are higher for those who can least afford them--as high as 13% in June 2014. Private loans are not eligible for the important deferment, income-based repayment, or loan forgiveness…

Low- and Moderate-Income Solar Policy Basics | State, Local, and Tribal

Science.gov Websites

scores, which can make attaining a loan for solar investments difficult. Even in cases where loans are translate into having less control over decisions about rooftop solar and utilities. Even in cases where LMI program) to increase local solar deployment. In other cases, CDFIs and CDEs can directly facilitate

38 CFR 36.4307 - Interest rate reduction refinancing loan.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Interest rate reduction... § 36.4307 Interest rate reduction refinancing loan. (a) Pursuant to 38 U.S.C. 3710(a)(8), (a)(9)(B)(i... interest rate payable on the existing loan provided that all of the following requirements are met: (1) The...

12 CFR 617.7130 - What initial disclosures must a qualified lender make to a borrower?

Code of Federal Regulations, 2010 CFR

2010-01-01

... CREDIT SYSTEM BORROWER RIGHTS Disclosure of Effective Interest Rates § 617.7130 What initial disclosures... must disclose in writing: (1) The interest rate on the loan; (2) The effective interest rate of the... connection with the loan and included in the calculation of the effective interest rate of the loan; (4) All...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2013 CFR

2013-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2012 CFR

2012-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2014 CFR

2014-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2011 CFR

2011-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2010 CFR

2010-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

Cohort Default Rate Guide.

ERIC Educational Resources Information Center

Department of Education, Washington, DC. Default Management Div.

This guide is designed to assist schools with their Federal Family Education Loan Program (FFEL) and the William D. Ford Federal Direct Loan (Direct Loan) Program cohort default rate. The guide is a reference tool in understanding cohort default rates and processes. This guide incorporates two former guides, the "Draft Cohort Default Rate…

78 FR 5433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-25

... Federal Family Education Loan Program AGENCY: Federal Student Aid, Department of Education. ACTION: Notice... under the Federal Family Education Loan (FFEL) Program. The Chief Operating Officer takes this action to give notice of FFEL Program loan interest rates to the public. DATES: This notice is effective January...

26 CFR 1.133-1T - Questions and answers relating to interest on certain loans used to acquire employer securities...

Code of Federal Regulations, 2010 CFR

2010-04-01

... variable rate of interest and the loan between the corporation and the ESOP states a fixed rate of interest... term, the initial interest rate on the variable rate loan could be compared to the rate on the fixed... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Questions and answers relating to interest on...

77 FR 45582 - Certain Pasta From Italy: Preliminary Results of the 15th (2010) Countervailing Duty...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-01

... of the loan (e.g., short-term v. long-term), and the currency in which the loan is denominated...'s subsidies to the sales of Tomasello only. Benchmarks for Long-Term Loans and Discount Rates Loan..., the long-term interest rate calculated according to the methodology described above for the year in...

Forgiving Loans of Those in Public Service Grows Popular, but Programs Are Unproven

ERIC Educational Resources Information Center

Field, Kelly

2007-01-01

As the cost of college continues to rise, more and more graduates are entering public-service careers like nursing, teaching, and social work with unmanageable levels of student debt. Many will struggle to repay their student loans while meeting their own basic needs. While some debts can be manageable for lawyers at private firms, it can be a…

Thailand's Student Loans Fund: Interest Rate Subsidies and Repayment Burdens

ERIC Educational Resources Information Center

Chapman, Bruce; Lounkaew, Kiatanantha; Polsiri, Piruna; Sarachitti, Rangsit; Sitthipongpanich, Thitima

2010-01-01

Government student loan schemes typically have implicit interest rate subsidies which, while these are a cost to taxpayers, they have the benefit of diminishing repayment burdens for graduates. Our goal is to illustrate the extent of both interest rate subsidies and repayment burdens with respect to Thailand's Student Loans Fund (SLF), using…

Default Rate on Student Loans Falls for 2005 Fiscal Year

ERIC Educational Resources Information Center

Basken, Paul

2007-01-01

The rate at which borrowers default on their federally guaranteed student loans has declined to 4.6 percent, in part because of a record number of consolidations, the Education Department announced last week. "Borrowers took advantage of the opportunity to lock in record-low interest rates by consolidating their federal student loans," the…

Cohort Default Rate Guide. Revised August 2006

ERIC Educational Resources Information Center

US Department of Education, 2006

2006-01-01

This guide is designed to assist schools with their Federal Family Education Loan (FFEL) Program and William D. Ford Federal Direct Loan (Direct Loan) Program cohort default rate data. The guide is intended as a reference tool in understanding cohort default rates and processes. Material is organized into four parts: (1) Introduction; (2) General…

13 CFR 120.424 - What are the basic conditions a Lender must meet to securitize?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What are the basic conditions a Lender must meet to securitize? 120.424 Section 120.424 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders Participating Lender Financings § 120.424 What are the basic conditions a...

Starting with the Business Basics.

ERIC Educational Resources Information Center

Hoffman, Carl

1999-01-01

A nonprofit community action agency, BusinesStart, provides business training and small loans to entrepreneurs in 18 rural counties in southwestern Virginia and northeastern Tennessee. The entrepreneurs, many with no previous business experience, cite the agency's basic business training as key to their success. (SV)

7 CFR 1737.71 - Interest rate to be considered for the purpose of assessing feasibility for loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Interest rate to be considered for the purpose of... Interest rate to be considered for the purpose of assessing feasibility for loans. (a) For purposes of... Administrator shall assume that the loans, if made, would bear interest at the Treasury rate on the date of...

13 CFR 123.603 - What is the interest rate on an economic injury disaster loan under this subpart?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the interest rate on an... September 11, 2001 Terrorist Attacks § 123.603 What is the interest rate on an economic injury disaster loan under this subpart? Your economic injury disaster loan under this subpart will have an interest rate of...

13 CFR 123.203 - What interest rate will my business pay on a physical disaster business loan and what are the...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rate will my... Business Loans § 123.203 What interest rate will my business pay on a physical disaster business loan and what are the repayment terms? (a) SBA will announce interest rates with each disaster declaration. If...

76 FR 48130 - Certain Pasta From Italy: Preliminary Results of the 14th (2009) Countervailing Duty...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-08

... rate versus variable interest rate), the maturity of the loan (e.g., short-term versus long-term), and... were received. Benchmarks for Long-Term Loans and Discount Rates Pursuant to 19 CFR 351.505(a), the... using the national average cost of long-term, fixed-rate loans pursuant to 19 CFR 351.524(d)(3)(B...

77 FR 4927 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-01

... modified loans totaling $2.2 billion, which equates to a 16.42 percent delinquency rate for these loans. \\2... maintain separate, manual delinquency computations and nonaccrual schedules. In response to feedback from... reporting requirement and allow delinquency on TDR loans to be calculated consistent with loan contract...

34 CFR 674.33 - Repayment.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.33 Repayment. (a) Repayment Plan... of both Defense and NDSL or Federal Perkins loans from one or more institutions. If the borrower has... rate is— (i) $15 for a Defense loan; (ii) $30 for an NDSL Loan or for a Federal Perkins loan made...

900 Institutions Could Be Dropped from Student-Aid Programs for High Loan-Default Rates; 55 Are Non-Profit Colleges.

ERIC Educational Resources Information Center

Zook, Jim

1993-01-01

Colleges risk losing eligibility for government student loan programs, because of tightened loan-repayment requirements for participating institutions. Economic factors and some data-processing errors are blamed for high student default rates. Default rates are charted by state, lender, institution type, and guarantee agency. Colleges threatened…

Recommendations for Reducing the Default Rate in the Guaranteed Student Loan Program.

ERIC Educational Resources Information Center

Meznek, James; Wilson, Al

A series of recommendations is presented for reducing default rates in the Guaranteed Student Loan (GSL) program. First, a summary is provided of trends toward the increasing dependence of students on loans to finance their college education and the large and growing default rate among borrowers. Next, four issues are discussed: Should lenders…

Capital financing options for group practices.

PubMed

Galtney, B

2000-05-01

Group practices that are looking for capital partners need to demonstrate that they have the necessary management capability to operate a successful business capable of repaying the debt. Two basic types of debt financing are available to group practices: fixed-rate financing and variable-rate financing. Fixed-rate financing, the more common method, involves borrowing a specific amount of money and then paying off the debt in principal-and-interest payments, much like a fixed-rate mortgage. Variable-rate financing, on the other hand, involves obtaining a letter of credit from the lender itself or independent guarantor to secure a loan. The variable-rate method is more efficient and flexible, because the notes secured by the letter of credit can be rated independently and sold into public capital markets like short-term, variable-rate paper. Both types of financing can require the personal guarantee of all physicians in the group practice.

Student Loan Programs: Lower Interest Rates and Higher Loan Volume Have Increased Federal Consolidation Loan Costs. Testimony before the Committee on Education and the Workforce, House of Representatives. GAO-04-568T

ERIC Educational Resources Information Center

US General Accounting Office, 2004

2004-01-01

This statement focuses on issues related to consolidation loans and their cost implications for taxpayers and borrowers. Consolidation loans, available under the Department of Education?s (Education's) two major student loan programs?the Federal Family Education Loan Program (FFELP) and the William D. Ford Direct Loan Program (FDLP)?help borrowers…

12 CFR 617.7125 - How should a qualified lender determine the effective interest rate?

Code of Federal Regulations, 2012 CFR

2012-01-01

... a loan using the discounted cash flow method showing the effect of the time value of money. (b) For all loans, the cash flow stream used for calculating the effective interest rate of a loan must...

12 CFR 617.7125 - How should a qualified lender determine the effective interest rate?

Code of Federal Regulations, 2014 CFR

2014-01-01

... a loan using the discounted cash flow method showing the effect of the time value of money. (b) For all loans, the cash flow stream used for calculating the effective interest rate of a loan must...

12 CFR 617.7125 - How should a qualified lender determine the effective interest rate?

Code of Federal Regulations, 2011 CFR

2011-01-01

... a loan using the discounted cash flow method showing the effect of the time value of money. (b) For all loans, the cash flow stream used for calculating the effective interest rate of a loan must...

12 CFR 617.7125 - How should a qualified lender determine the effective interest rate?

Code of Federal Regulations, 2013 CFR

2013-01-01

... a loan using the discounted cash flow method showing the effect of the time value of money. (b) For all loans, the cash flow stream used for calculating the effective interest rate of a loan must...

7 CFR 1421.110 - Commodity certificate exchanges.

Code of Federal Regulations, 2010 CFR

2010-01-01

... COMMODITIES-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance Loans § 1421.110 Commodity certificate exchanges. (a) For any outstanding marketing assistance loan for... commodity certificate for the marketing assistance loan collateral. (b) The exchange rate is the lesser of...

Valuing the Student Loan Consolidation Option. Congressional Budget Office Background Paper

ERIC Educational Resources Information Center

Weinberg, Steven

2006-01-01

Federal student loans include a complex consolidation option that gives borrowers the opportunity to combine several loans into a single loan with a longer term to maturity and, for loans originated before July 2006, to convert from a variable- to a fixed-rate loan. The consolidation option adds substantial costs to the federal student loan…

38 CFR 3.315 - Basic eligibility determinations; dependents, loans, education.

Code of Federal Regulations, 2013 CFR

2013-07-01

.... (Authority: 38 U.S.C. 101(4)(B)) (b) Loans. If a veteran of World War II the Korean conflict or the Vietnam... presumption of incurrence under § 3.304(b). Determinations based on World War II, Korean conflict and Vietnam... than 181 days of service on active duty as defined in §§ 36.4301 and 36.4501, eligibility of the...

38 CFR 3.315 - Basic eligibility determinations; dependents, loans, education.

Code of Federal Regulations, 2011 CFR

2011-07-01

.... (Authority: 38 U.S.C. 101(4)(B)) (b) Loans. If a veteran of World War II the Korean conflict or the Vietnam... presumption of incurrence under § 3.304(b). Determinations based on World War II, Korean conflict and Vietnam... than 181 days of service on active duty as defined in §§ 36.4301 and 36.4501, eligibility of the...

38 CFR 3.315 - Basic eligibility determinations; dependents, loans, education.

Code of Federal Regulations, 2014 CFR

2014-07-01

.... (Authority: 38 U.S.C. 101(4)(B)) (b) Loans. If a veteran of World War II the Korean conflict or the Vietnam... presumption of incurrence under § 3.304(b). Determinations based on World War II, Korean conflict and Vietnam... than 181 days of service on active duty as defined in §§ 36.4301 and 36.4501, eligibility of the...

38 CFR 3.315 - Basic eligibility determinations; dependents, loans, education.

Code of Federal Regulations, 2012 CFR

2012-07-01

.... (Authority: 38 U.S.C. 101(4)(B)) (b) Loans. If a veteran of World War II the Korean conflict or the Vietnam... presumption of incurrence under § 3.304(b). Determinations based on World War II, Korean conflict and Vietnam... than 181 days of service on active duty as defined in §§ 36.4301 and 36.4501, eligibility of the...

7 CFR 1434.18 - Loan repayments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...

Student Loans: The Empirical Record.

ERIC Educational Resources Information Center

Finnie, Ross

2001-01-01

Presents results of an empirical investigation of Canadian student loans for four recent cohorts of graduates. Data include proportion of students graduating with loans and average amounts borrowed, loan burden measured by debt-to-earning ratios, repayment rates following graduation, and number of graduates reporting loan difficulties. Results are…

Halving Student Loan Interest Rates Is Unaffordable and Ineffective. WebMemo No. 1308

ERIC Educational Resources Information Center

Riedl, Brian M.

2007-01-01

The House of Representatives will likely vote this week on a proposal to halve the 6.8 percent interest rate on subsidized student loans as part of the new congressional majority's 100-Hour agenda. This document presents six problems with halving student loan interest rates and argues that, rather than providing billions in new federal subsidies,…

12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED..., App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage...

12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED..., App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage...

7 CFR 1786.27 - Definitions and rules of construction.

Code of Federal Regulations, 2012 CFR

2012-01-01

... issued by RUS to FFB pursuant to the RE Act for an FFB loan made on or before July 2, 1986. Fees means... due on loans made or guaranteed under the RE Act, and is making a good faith effort to increase rates... average interest rate (stated as an annual percentage rate) on a loan; (3) The final maturity date of a...

7 CFR 1786.27 - Definitions and rules of construction.

Code of Federal Regulations, 2011 CFR

2011-01-01

... issued by RUS to FFB pursuant to the RE Act for an FFB loan made on or before July 2, 1986. Fees means... due on loans made or guaranteed under the RE Act, and is making a good faith effort to increase rates... average interest rate (stated as an annual percentage rate) on a loan; (3) The final maturity date of a...

7 CFR 1786.27 - Definitions and rules of construction.

Code of Federal Regulations, 2013 CFR

2013-01-01

... issued by RUS to FFB pursuant to the RE Act for an FFB loan made on or before July 2, 1986. Fees means... due on loans made or guaranteed under the RE Act, and is making a good faith effort to increase rates... average interest rate (stated as an annual percentage rate) on a loan; (3) The final maturity date of a...

7 CFR 1427.13 - Fees, charges and interest.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the loan collateral to CCC, the producer shall pay to CCC, at the rates that are specified in the... OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan Deficiency Payments § 1427.13 Fees, charges and interest. (a) A producer shall pay a nonrefundable loan...

Federal Student Loan Programs

ERIC Educational Resources Information Center

Federal Student Aid, US Department of Education, 2014

2014-01-01

For those needing a loan to attend college, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This brief report answers the following questions about federal aid: (1) What is a federal student loan?; (2) What is a private…

7 CFR 1951.860 - Interest on loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Interest on loans. (a) RDLF intermediaries: When the RDLF loan portfolio was transferred from HHS to USDA... Law 103-354 to determine the weighted average of the loan portfolio, the RDLF intermediary will be required to complete a weighted loan average rate on its outstanding portfolio. The schedule prepared for...

7 CFR 1780.94 - Minimum bond specifications.

Code of Federal Regulations, 2010 CFR

2010-01-01

... by the Government. The Agency address for registration purposes will be that of the Finance Office... from the sale of basic chattel or real estate security, refund of unused loan funds, cash proceeds of property insurance and similar actions which reduce the value of basic security. At the option of the...

49 CFR 80.11 - Investment-grade ratings.

Code of Federal Regulations, 2013 CFR

2013-10-01

... investment-grade rating. (b) The full funding of a secured (direct) loan, loan guarantee, or line of credit... rating should reflect the effect of bond insurance, unless that insurance provides credit enhancement...

President Hails Continued Decline in Default Rate on Student Loans.

ERIC Educational Resources Information Center

Burd, Stephen

1997-01-01

President Bill Clinton used the declining default rate on college student loans as a basis for proposing tax breaks for college costs. Reduced defaults have saved taxpayer money and helped reduce the federal deficit. Over 150 colleges and universities, including 25 private institutions, risk losing eligibility for federal grant and loan programs…

76 FR 79548 - Loan Participations; Purchase, Sale and Pledge of Eligible Obligations; Purchase of Assets and...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-22

..., a FICU purchasing a loan participation pool might perform statistical sampling in evaluating the..., since 2007, FISCUs- overall experienced a higher delinquency rate in their loan participation portfolios. At year-end 2010, the delinquency rate for the FISCU-participated portfolio was 4.11 percent...

7 CFR 1434.18 - Loan repayments.

Code of Federal Regulations, 2011 CFR

2011-01-01

... FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...) The alternative repayment rate for honey as determined by the Secretary. (3) In the event of a severe... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term...

12 CFR Appendix A to Subpart B of... - Risk-Based Capital Stress Test

Code of Federal Regulations, 2013 CFR

2013-01-01

... Loan Number Ending Scheduled Balance Group Pre/Post Act Property State Product Type Origination Date... t-test 2 of the differences in the means for the group of defaulted loans and active loans indicated... of pre-1996 loan volume being transferred to post-1996 loan volume. The interest rate risk and credit...

12 CFR Appendix A to Subpart B of... - Risk-Based Capital Stress Test

Code of Federal Regulations, 2012 CFR

2012-01-01

... Loan Number Ending Scheduled Balance Group Pre/Post Act Property State Product Type Origination Date... t-test 2 of the differences in the means for the group of defaulted loans and active loans indicated... of pre-1996 loan volume being transferred to post-1996 loan volume. The interest rate risk and credit...

12 CFR Appendix A to Subpart B of... - Risk-Based Capital Stress Test

Code of Federal Regulations, 2014 CFR

2014-01-01

... Loan Number Ending Scheduled Balance Group Pre/Post Act Property State Product Type Origination Date... t-test 2 of the differences in the means for the group of defaulted loans and active loans indicated... of pre-1996 loan volume being transferred to post-1996 loan volume. The interest rate risk and credit...

12 CFR 1808.300 - Interest rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 10 2014-01-01 2014-01-01 false Interest rates. 1808.300 Section 1808.300... COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS BOND GUARANTEE PROGRAM Interest Rates; Terms and Conditions of Bonds, Bond Loans, and Secondary Loans § 1808.300 Interest rates. (a) Interest rates. (1) A Bond Rate...

13 CFR 120.434 - What are SBA's requirements for loan pledges?

Code of Federal Regulations, 2012 CFR

2012-01-01

... factors, will be considered in determining satisfactory SBA performance. Other factors may include, but... default rate, purchase rate and loss rate), loan volume to the extent that it impacts performance measures...

Financial sustainability in savings and credit programmes.

PubMed

Havers, M

1996-05-01

This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action immediately when a payment is missed. Good repayers should be rewarded with quick repeat loans.

Student Loans: Characteristics of Students and Default Rates at Historically Black Colleges and Universities. Report to Congressional Requesters.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Health, Education, and Human Services Div.

This report to Congress analyzes student loan default rates at historically black colleges and universities (HBCUs), focusing on student characteristics which may predict the likelihood of default. The study examined available student databases for characteristics identified by previous studies as related to level of student loan defaults. Among…

24 CFR 891.525 - Amount and terms of financing.

Code of Federal Regulations, 2010 CFR

2010-04-01

... amount—leaseholds. In the event the loan is secured by a leasehold estate rather than a fee simple estate... fee. If the Borrower is the fee simple owner of the project not encumbered by a mortgage, the maximum... thereof. (g) Loan interest rate. Loans shall bear interest at a rate determined by HUD in accordance with...

7 CFR 4280.23 - Requirements for lending from Revolving Loan Fund.

Code of Federal Regulations, 2011 CFR

2011-01-01

... until the Fund is terminated. (c) REDG Zero-Interest Loan Requirements. The Fund is made up of Rural... interest rate on that portion of the financing using Rural Development funds will be at zero percent. The... zero percent but must be less than, or equal to, the prevailing prime rate. Using this option, loan...

12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

Code of Federal Regulations, 2011 CFR

2011-01-01

... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

Code of Federal Regulations, 2014 CFR

2014-01-01

... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

Code of Federal Regulations, 2013 CFR

2013-01-01

... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

Code of Federal Regulations, 2012 CFR

2012-01-01

... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

7 CFR 1786.27 - Definitions and rules of construction.

Code of Federal Regulations, 2014 CFR

2014-01-01

... the RE Act for an FFB loan made on or before July 2, 1986. Fees means any fees, costs or charges... either (1) in default or near default on interest or principal payments due on loans made or guaranteed...) The dollar weighted average interest rate (stated as an annual percentage rate) on a loan; (3) The...

7 CFR 1980.320 - Interest rate.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 14 2011-01-01 2011-01-01 false Interest rate. 1980.320 Section 1980.320 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.320 Interest rate. The interest rate must not exceed the established applicable usury rate. Loans guaranteed under this subpart must bear a fixed...

7 CFR 1980.320 - Interest rate.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 14 2012-01-01 2012-01-01 false Interest rate. 1980.320 Section 1980.320 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.320 Interest rate. The interest rate must not exceed the established, applicable usury rate. Loans guaranteed under this subpart must bear a fixed...

7 CFR 1980.320 - Interest rate.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 14 2014-01-01 2014-01-01 false Interest rate. 1980.320 Section 1980.320 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.320 Interest rate. The interest rate must not exceed the established, applicable usury rate. Loans guaranteed under this subpart must bear a fixed...

7 CFR 1980.320 - Interest rate.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 14 2013-01-01 2013-01-01 false Interest rate. 1980.320 Section 1980.320 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.320 Interest rate. The interest rate must not exceed the established, applicable usury rate. Loans guaranteed under this subpart must bear a fixed...

Student Debt, Problem-Solving, and Decision-Making of Adult Learners: A Basic Qualitative Study

ERIC Educational Resources Information Center

Brooks, William J.

2013-01-01

A basic qualitative research study was conducted to develop insights into how adult learners employ problem-solving and decision-making (PSDM), when considering college financing, student loans, and student debt. Using the social media Website Facebook, eight qualified participants were recruited. Participants were interviewed via telephone, and…

12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2013 CFR

2013-01-01

... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2012 CFR

2012-01-01

... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2011 CFR

2011-01-01

... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

12 CFR Appendix A to Subpart I of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2014 CFR

2014-01-01

... loan process; or (D) Only the rate approved by the bank's loan approval mechanism function for a... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

76 FR 77766 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-14

... regarding the consumer's mortgage loan; With respect to disclosures concerning interest rate adjustments for hybrid adjustable rate mortgages, informing consumers of pending interest rate adjustments, enabling a... (Reset of Hybrid Adjustable Rate Mortgages), 1420 (Periodic Mortgage Loan Statements) and 1463 (Force...

78 FR 13327 - Request for Information Regarding an Initiative To Promote Student Loan Affordability

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-27

... loan balances, with even more in delinquency. Federal student loans frequently provide for income-based... the levels of delinquency and default. \\4\\ Department of the Treasury, Office of Financial Research..., including lenders and loan servicers; Nationally recognized statistical rating organizations (NRSROs...

7 CFR 1737.80 - Description of characteristics letter.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the amount of the proposed loan, its purposes, rate of interest, loan security requirements, and other... SERVICE, DEPARTMENT OF AGRICULTURE PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Characteristics Letter § 1737.80 Description of characteristics letter. (a) After all of the...

Relationships between Interlibrary Loan and Research Activity in Canada

ERIC Educational Resources Information Center

Duy, Joanna; Larivière, Vincent

2014-01-01

Interlibrary Loan borrowing rates in academic libraries are influenced by an array of factors. This article explores the relationship between interlibrary loan borrowing activity and research activity at 42 Canadian academic institutions. A significant positive correlation was found between interlibrary loan borrowing activity and measures of…

7 CFR 3565.210 - Maximum interest rate.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Maximum interest rate. 3565.210 Section 3565.210... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.210 Maximum interest rate. The interest rate for a guaranteed loan must not exceed the maximum allowable rate specified by the Agency in...

7 CFR 1980.320 - Interest rate.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Interest rate. 1980.320 Section 1980.320 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.320 Interest rate. The interest rate must not... interest rate over the life of the loan. The rate shall be agreed upon by the borrower and the Lender and...

7 CFR 3560.67 - Rates and terms for section 515 loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... housing, loans will be amortized over a period not to exceed the lesser of the economic life of the... Section 3560.67 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination...

7 CFR 4280.152 - Servicing guaranteed loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Renewable Energy Systems and Energy..., must comply with the requirements for interest rates on new loans as established by § 4280.124. (c... not be released from liability. Any new loan terms must be within the terms authorized by § 4280.125...

7 CFR 4280.152 - Servicing guaranteed loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS Renewable Energy Systems and Energy..., must comply with the requirements for interest rates on new loans as established by § 4280.124. (c... not be released from liability. Any new loan terms must be within the terms authorized by § 4280.125...

7 CFR 3550.206 - Protective advances.

Code of Federal Regulations, 2010 CFR

2010-01-01

... obtain a subsequent loan. (c) Repayment arrangements. (1) Advances for borrowers with multiple loans will be charged against the largest loan. (2) Amounts advanced will be due with the next scheduled payment...) Advances will bear interest at the promissory note rate of the loan to which the advance was charged. ...

7 CFR 2201.13 - Lender.

Code of Federal Regulations, 2010 CFR

2010-01-01

... guaranteed loans; (4) The performance of the Lender's loan portfolio, including its current delinquency rate... nationally recognized statistical rating organization, as evidenced by written confirmation from the nationally recognized statistical rating organization, subject to updating upon request of the Board; and (ii...

50 CFR 600.1012 - Reduction loan.

Code of Federal Regulations, 2010 CFR

2010-10-01

... annual rate, that shall be determined by subsequent events, of simple interest on the reduction loan's... deposit and disburse the fee revenue in accordance with § 600.1014. (b) Principal amount, interest rate... § 600.1014. (c) Effect of prospective interest rate. Any difference between a prospective interest rate...

OCLC book interlibrary loan in a basic-unit hospital library: one year's experience.

PubMed

Landwirth, T K

1983-04-01

Methodist Medical Center of Illinois Medical Library, a "basic-unit" medical library (i.e., not a resource library) in the Regional Medical Library Program recently completed one year of borrowing and lending books using OCLC. Of the books successfully borrowed through OCLC, 79% were obtained from nonmedical libraries. Forming cost-sharing OCLC clusters among basic units makes OCLC an affordable alternative to borrowing books from overburdened medical resource libraries.

7 CFR 4274.325 - Interest rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest rates. 4274.325 Section 4274.325 Agriculture... (IRP) § 4274.325 Interest rates. (a) Loans made by the Agency pursuant to this subpart shall bear interest at a fixed rate of 1 percent per annum over the term of the loan. (b) Interest rates charged by...

7 CFR 774.18 - Interest rate, terms and security requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rate, terms and security requirements. 774.18..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.18 Interest rate, terms and security requirements. (a) Interest rate. (1) The interest rate on the loan will be zero...

7 CFR 762.124 - Interest rates, terms, charges, and fees.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rates, terms, charges, and fees. 762.124..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.124 Interest rates, terms, charges, and fees. (a) Interest rates. (1) The interest rate on a guaranteed loan or line of credit may be...

7 CFR 1714.7 - Interest rate cap.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Interest rate cap. 1714.7 Section 1714.7 Agriculture... PRE-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS General § 1714.7 Interest rate cap. Except... section, or both the rate disparity test for the interest rate cap and the consumer income test set forth...

7 CFR 4274.325 - Interest rates.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 15 2011-01-01 2011-01-01 false Interest rates. 4274.325 Section 4274.325 Agriculture... (IRP) § 4274.325 Interest rates. (a) Loans made by the Agency pursuant to this subpart shall bear interest at a fixed rate of 1 percent per annum over the term of the loan. (b) Interest rates charged by...

7 CFR 4274.325 - Interest rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Interest rates. 4274.325 Section 4274.325 Agriculture... (IRP) § 4274.325 Interest rates. (a) Loans made by the Agency pursuant to this subpart shall bear interest at a fixed rate of 1 percent per annum over the term of the loan. (b) Interest rates charged by...

7 CFR 4274.325 - Interest rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 15 2014-01-01 2014-01-01 false Interest rates. 4274.325 Section 4274.325 Agriculture... (IRP) § 4274.325 Interest rates. (a) Loans made by the Agency pursuant to this subpart shall bear interest at a fixed rate of 1 percent per annum over the term of the loan. (b) Interest rates charged by...

7 CFR 4274.325 - Interest rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Interest rates. 4274.325 Section 4274.325 Agriculture... (IRP) § 4274.325 Interest rates. (a) Loans made by the Agency pursuant to this subpart shall bear interest at a fixed rate of 1 percent per annum over the term of the loan. (b) Interest rates charged by...

78 FR 17647 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-22

... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the.... Department of Education published in the Federal Register (78 FR 5433) a notice announcing the interest rates... bill rate Margin Total rate First disbursed on or after disbursed interest rate (percent) (percent...

7 CFR 1980.423 - Interest rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 14 2014-01-01 2014-01-01 false Interest rates. 1980.423 Section 1980.423 Agriculture... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.423 Interest rates. (a) Guaranteed loans. Rates will be negotiated between the lender and the borrower. They may be either fixed or...

7 CFR 4280.125 - Interest rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 15 2014-01-01 2014-01-01 false Interest rates. 4280.125 Section 4280.125 Agriculture... Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.125 Interest rates. (a) The interest rate for the guaranteed loan will be negotiated between the lender and the applicant and...

7 CFR 764.304 - Rates and terms.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Rates and terms. 764.304 Section 764.304 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN MAKING Youth Loan Program § 764.304 Rates and terms. (a) Rates. (1) The...

7 CFR 764.304 - Rates and terms.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Rates and terms. 764.304 Section 764.304 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN MAKING Youth Loan Program § 764.304 Rates and terms. (a) Rates. (1) The...

7 CFR 4280.125 - Interest rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Interest rates. 4280.125 Section 4280.125 Agriculture... Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.125 Interest rates. (a) The interest rate for the guaranteed loan will be negotiated between the lender and the applicant and...

7 CFR 4280.125 - Interest rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Interest rates. 4280.125 Section 4280.125 Agriculture... Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.125 Interest rates. (a) The interest rate for the guaranteed loan will be negotiated between the lender and the applicant and...

Student Loan Default Rates in Minnesota, 2007

ERIC Educational Resources Information Center

Grimes, Tricia

2010-01-01

While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…

7 CFR 1980.373 - Special loan servicing.

Code of Federal Regulations, 2012 CFR

2012-01-01

... modification, then the Lender may consider a mortgage recovery advance in addition to the extended-term loan... recovery advance is not repaid based on the terms outlined in the promissory note and mortgage or deed-of... maximum allowable interest rate and extend the term of the loan up to 40 years from the date of loan...

7 CFR 1980.373 - Special loan servicing.

Code of Federal Regulations, 2014 CFR

2014-01-01

... modification, then the Lender may consider a mortgage recovery advance in addition to the extended-term loan... recovery advance is not repaid based on the terms outlined in the promissory note and mortgage or deed-of... maximum allowable interest rate and extend the term of the loan up to 40 years from the date of loan...

7 CFR 1980.373 - Special loan servicing.

Code of Federal Regulations, 2011 CFR

2011-01-01

... modification, then the Lender may consider a mortgage recovery advance in addition to the extended-term loan... recovery advance is not repaid based on the terms outlined in the promissory note and mortgage or deed-of... maximum allowable interest rate and extend the term of the loan up to 40 years from the date of loan...

7 CFR 1980.373 - Special loan servicing.

Code of Federal Regulations, 2013 CFR

2013-01-01

... modification, then the Lender may consider a mortgage recovery advance in addition to the extended-term loan... recovery advance is not repaid based on the terms outlined in the promissory note and mortgage or deed-of... maximum allowable interest rate and extend the term of the loan up to 40 years from the date of loan...

7 CFR 1810.2 - Adjustment of interest rates for certain loans involving use of or construction on prime or...

Code of Federal Regulations, 2011 CFR

2011-01-01

... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE GENERAL REGULATIONS... or construction on prime or unique farmland. (a) For essential community facility loans, insured farm ownership loans for recreation or non-farm enterprises, insured farm operating loans for recreation...

7 CFR 1717.154 - Transitional assistance in connection with new loans.

Code of Federal Regulations, 2012 CFR

2012-01-01

... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

7 CFR 1717.154 - Transitional assistance in connection with new loans.

Code of Federal Regulations, 2013 CFR

2013-01-01

... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

7 CFR 1717.154 - Transitional assistance in connection with new loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

12 CFR Appendix K to Part 1026 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 1026 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) Pt. 1026, App. K Appendix K to Part 1026—Total Annual Loan Cost...

12 CFR Appendix K to Part 1026 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions K Appendix K to Part 1026 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) Pt. 1026, App. K Appendix K to Part 1026—Total Annual Loan Cost...

USSR Report International Affairs.

DTIC Science & Technology

1986-09-02

minimum interest rate (price of a loan), proportion of the value of a contract to be covered by an easy loan (minimum size of payments in cash...Kuwait Laos Lebanon Malaysia Mongolian People’s Republic Nepal Pakistan Saudi Arabia Singapore Syria Turnover Export Import Turnover...including the blockade imposed on export financing. The latter was started in July 1980 by swiftly increasing the interest rates on foreign trade loans

75 FR 32099 - Enterprise Duty To Serve Underserved Markets

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-07

.... Delinquencies and defaults on chattel loans typically exceed rates on mortgage loans.\\31\\ \\29\\ See Ronald A... incentive to continue to repay their loans, which may lead to increased delinquencies and defaults.'' Origen...

12 CFR 3.41 - Operational requirements for securitization exposures.

Code of Federal Regulations, 2014 CFR

2014-01-01

... loans 30, 60, and 90 days past due; default rates; prepayment rates; loans in foreclosure; property types; occupancy; average credit score or other measures of creditworthiness; average LTV ratio; and...

12 CFR 324.41 - Operational requirements for securitization exposures.

Code of Federal Regulations, 2014 CFR

2014-01-01

... loans 30, 60, and 90 days past due; default rates; prepayment rates; loans in foreclosure; property types; occupancy; average credit score or other measures of creditworthiness; average LTV ratio; and...

A dynamical model on deposit and loan of banking: A bifurcation analysis

NASA Astrophysics Data System (ADS)

Sumarti, Novriana; Hasmi, Abrari Noor

2015-09-01

A dynamical model, which is one of sophisticated techniques using mathematical equations, can determine the observed state, for example bank profits, for all future times based on the current state. It will also show small changes in the state of the system create either small or big changes in the future depending on the model. In this research we develop a dynamical system of the form: d/D d t =f (D ,L ,rD,rL,r ), d/L d t =g (D ,L ,rD,rL,r ), Here D and rD are the volume of deposit and its rate, L and rL are the volume of loan and its rate, and r is the interbank market rate. There are parameters required in this model which give connections between two variables or between two derivative functions. In this paper we simulate the model for several parameters values. We do bifurcation analysis on the dynamics of the system in order to identify the appropriate parameters that control the stability behaviour of the system. The result shows that the system will have a limit cycle for small value of interest rate of loan, so the deposit and loan volumes are fluctuating and oscillating extremely. If the interest rate of loan is too high, the loan volume will be decreasing and vanish and the system will converge to its carrying capacity.

43 CFR 1882.5-2 - Interest rate.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 43 Public Lands: Interior 2 2013-10-01 2013-10-01 false Interest rate. 1882.5-2 Section 1882.5-2... Development Impact Relief Loans § 1882.5-2 Interest rate. Loans shall bear interest at a rate equivalent to the lowest interest rate paid on an issue of at least $1 million of bonds exempt from Federal taxes of...

43 CFR 1882.5-2 - Interest rate.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 43 Public Lands: Interior 2 2011-10-01 2011-10-01 false Interest rate. 1882.5-2 Section 1882.5-2... Development Impact Relief Loans § 1882.5-2 Interest rate. Loans shall bear interest at a rate equivalent to the lowest interest rate paid on an issue of at least $1 million of bonds exempt from Federal taxes of...

43 CFR 1882.5-2 - Interest rate.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 43 Public Lands: Interior 2 2014-10-01 2014-10-01 false Interest rate. 1882.5-2 Section 1882.5-2... Development Impact Relief Loans § 1882.5-2 Interest rate. Loans shall bear interest at a rate equivalent to the lowest interest rate paid on an issue of at least $1 million of bonds exempt from Federal taxes of...

43 CFR 1882.5-2 - Interest rate.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 43 Public Lands: Interior 2 2012-10-01 2012-10-01 false Interest rate. 1882.5-2 Section 1882.5-2... Development Impact Relief Loans § 1882.5-2 Interest rate. Loans shall bear interest at a rate equivalent to the lowest interest rate paid on an issue of at least $1 million of bonds exempt from Federal taxes of...

7 CFR 3560.402 - Loan payment processing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... paragraph (c) of this section, must be closed and serviced using the PASS. (b) Required conversion to PASS... action on the account involves a change in the loan rates or terms or whenever a subsequent loan to the...

7 CFR 1436.12 - Interest and fees.

Code of Federal Regulations, 2012 CFR

2012-01-01

... § 1436.12 Interest and fees. (a) Loans will bear interest at the rate equivalent, as determined by CCC... of the loan. (c) Each borrower on a loan application must pay a non-refundable application fee in...

Options to Change Interest Rates and Other Terms on Student Loans

ERIC Educational Resources Information Center

Congressional Budget Office, 2013

2013-01-01

The Federal Direct Student Loan Program offers loans to students and their parents to help pay for postsecondary education. Under current law, about $1.4 trillion in new direct loans will be made to students between 2013 and 2023, the Congressional Budget Office (CBO) projects. Analysts and policymakers have raised concerns about various features…

Do Lower Lender Subsidies Reduce Guaranteed Student Loan Supply?

ERIC Educational Resources Information Center

Austin, D. Andrew

2010-01-01

The article analyzes effects of borrower interest rates and student lender subsidies on federally guaranteed student loan volumes from 1988 to 1994 and from 1996 to 2006. Some have argued that lender subsidy cuts would reduce loan supply or cause lenders to exit the student loan market. If lenders get economic rents due to overly generous…

The Influence of Students' Loans Borrowers' Characteristics on Default Rate in Tanzania

ERIC Educational Resources Information Center

Nyahende, Veronica R.

2013-01-01

The cost of students' loans defaulting has lead to a serious discussion among participants. Substantial attention has been made on the students' loans and its impact on higher education finances while researches on students' loans defaults have not been taken for more than a decade. Therefore this study examines the influence of student loans…

12 CFR Appendix A to Part 610 - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2013 CFR

2013-01-01

... mechanism function for a specific loan product is communicated without authority to negotiate the rate. (ii... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

12 CFR Appendix A to Subpart F of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2011 CFR

2011-01-01

... mechanism function for a specific loan product is communicated without authority to negotiate the rate. (ii...) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain.” (1) Offering or...

12 CFR Appendix A to Part 610 - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2011 CFR

2011-01-01

... mechanism function for a specific loan product is communicated without authority to negotiate the rate. (ii... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

12 CFR Appendix A to Subpart F of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2012 CFR

2012-01-01

... mechanism function for a specific loan product is communicated without authority to negotiate the rate. (ii...) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain.” (1) Offering or...

12 CFR Appendix A to Subpart F of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2014 CFR

2014-01-01

... mechanism function for a specific loan product is communicated without authority to negotiate the rate. (ii...) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain.” (1) Offering or...

12 CFR Appendix A to Part 610 - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2012 CFR

2012-01-01

... mechanism function for a specific loan product is communicated without authority to negotiate the rate. (ii... details of that offer. (c) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain...

12 CFR Appendix A to Subpart F of... - Examples of Mortgage Loan Originator Activities

Code of Federal Regulations, 2013 CFR

2013-01-01

... mechanism function for a specific loan product is communicated without authority to negotiate the rate. (ii...) Offering or negotiating a loan for compensation or gain. The following examples illustrate when an employee does or does not offer or negotiate terms of a loan “for compensation or gain.” (1) Offering or...

17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

Code of Federal Regulations, 2010 CFR

2010-04-01

... each of the above classes of mortgage loans the average gross rate of interest on mortgage loans held... mortgages sold Amortization of premium Other (describe) Balance at close of period $ If additions represent... item of mortgage loans on real estate investments has been written down or reserved against pursuant to...

49 CFR 80.11 - Investment-grade ratings.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 49 Transportation 1 2010-10-01 2010-10-01 false Investment-grade ratings. 80.11 Section 80.11... § 80.11 Investment-grade ratings. (a) At the time a project sponsor submits an application, the DOT... investment-grade rating. (b) The full funding of a secured (direct) loan, loan guarantee, or line of credit...

49 CFR 80.11 - Investment-grade ratings.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 49 Transportation 1 2011-10-01 2011-10-01 false Investment-grade ratings. 80.11 Section 80.11... § 80.11 Investment-grade ratings. (a) At the time a project sponsor submits an application, the DOT... investment-grade rating. (b) The full funding of a secured (direct) loan, loan guarantee, or line of credit...

7 CFR 1951.860 - Interest on loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... original note rate of 1 percent interest when they were first issued. The legislation provides for those... same as the original note rate. (2) Loans made in 1983 and 1984 do not automatically qualify for a lower rate than the level of interest rates when the notes were first issued. Section 407 of Pub. L. 99...

7 CFR 1951.860 - Interest on loans.

Code of Federal Regulations, 2013 CFR

2013-01-01

... original note rate of 1 percent interest when they were first issued. The legislation provides for those... same as the original note rate. (2) Loans made in 1983 and 1984 do not automatically qualify for a lower rate than the level of interest rates when the notes were first issued. Section 407 of Pub. L. 99...

7 CFR 1951.860 - Interest on loans.

Code of Federal Regulations, 2012 CFR

2012-01-01

... original note rate of 1 percent interest when they were first issued. The legislation provides for those... same as the original note rate. (2) Loans made in 1983 and 1984 do not automatically qualify for a lower rate than the level of interest rates when the notes were first issued. Section 407 of Pub. L. 99...

7 CFR 1951.860 - Interest on loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

... original note rate of 1 percent interest when they were first issued. The legislation provides for those... same as the original note rate. (2) Loans made in 1983 and 1984 do not automatically qualify for a lower rate than the level of interest rates when the notes were first issued. Section 407 of Pub. L. 99...

34 CFR 682.305 - Procedures for payment of interest benefits and special allowance and collection of origination...

Code of Federal Regulations, 2010 CFR

2010-07-01

... to the lender. The penalty interest is computed by— (i) Multiplying the daily interest rate... due on those loans for each interest rate; (ii) Multiplying the daily special allowance rate... loans for each interest rate and special allowance category; (iii) Adding the results of paragraphs (b...

38 CFR 36.4312 - Interest rates.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2014-07-01 2014-07-01 false Interest rates. 36.4312... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4312 Interest rates. (a... such loans either bear interest at a rate that is agreed upon by the veteran and the lender, or bear...

38 CFR 36.4312 - Interest rates.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2012-07-01 2012-07-01 false Interest rates. 36.4312... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4312 Interest rates. (a... such loans either bear interest at a rate that is agreed upon by the veteran and the lender, or bear...

38 CFR 36.4312 - Interest rates.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 2 2013-07-01 2013-07-01 false Interest rates. 36.4312... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4312 Interest rates. (a... such loans either bear interest at a rate that is agreed upon by the veteran and the lender, or bear...

12 CFR 226.19 - Certain mortgage and variable-rate transactions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... frequency of interest rate and payment changes. (vii) Any rules relating to changes in the index, interest... that the interest rate, payment, or term of the loan can change. (ii) The index or formula used in..., illustrating how payments and the loan balance would have been affected by interest rate changes implemented...

OCLC book interlibrary loan in a basic-unit hospital library: one year's experience.

PubMed Central

Landwirth, T K

1983-01-01

Methodist Medical Center of Illinois Medical Library, a "basic-unit" medical library (i.e., not a resource library) in the Regional Medical Library Program recently completed one year of borrowing and lending books using OCLC. Of the books successfully borrowed through OCLC, 79% were obtained from nonmedical libraries. Forming cost-sharing OCLC clusters among basic units makes OCLC an affordable alternative to borrowing books from overburdened medical resource libraries. PMID:6860829

Measuring energy-saving retrofits: Experiences from the Texas LoanSTAR program

DOE Office of Scientific and Technical Information (OSTI.GOV)

Haberl, J.S.; Reddy, T.A.; Claridge, D.E.

1996-02-01

In 1988 the Governor`s Energy Management Center of Texas received approval from the US Department of Energy to establish a $98.6 million state-wide retrofit demonstration revolving loan program to fund energy-conserving retrofits in state, public school, and local government buildings. As part of this program, a first-of-its-kind, statewide Monitoring and Analysis Program (MAP) was established to verify energy and dollar savings of the retrofits, reduce energy costs by identifying operational and maintenance improvements, improve retrofit selection in future rounds of the LoanSTAR program, and initiate a data base of energy use in institutional and commercial buildings located in Texas. Thismore » report discusses the LoanSTAR MAP with an emphasis on the process of acquiring and analyzing data to measure savings from energy conservation retrofits when budgets are a constraint. This report includes a discussion of the program structure, basic measurement techniques, data archiving and handling, data reporting and analysis, and includes selected examples from LoanSTAR agencies. A summary of the program results for the first two years of monitoring is also included.« less

13 CFR 120.710 - What is the Loan Loss Reserve Fund?

Code of Federal Regulations, 2010 CFR

2010-01-01

... in the MRF caused by delinquencies or losses on Microloans. An Intermediary must maintain the LLRF..., purchase rate and loss rate), loan volume to the extent that it impacts performance measures, and other...

7 CFR 4290.845 - Maximum rate of amortization on Loans and Debt Securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... INVESTMENT COMPANY (âRBICâ) PROGRAM Financing of Enterprises by RBICs Structuring Rbic Financing of Eligible Enterprises-Types of Financings § 4290.845 Maximum rate of amortization on Loans and Debt Securities. The...

34 CFR 685.208 - Repayment plans.

Code of Federal Regulations, 2011 CFR

2011-07-01

... changes in the variable interest rate identified in § 685.202(a). (c) Standard repayment plan for Direct... variable interest rate identified in § 685.202(a). (e) Extended repayment plan for all Direct Loan... variable interest rate identified in § 685.202(a). (f) Graduated repayment plan for all Direct Loan...

34 CFR 685.208 - Repayment plans.

Code of Federal Regulations, 2012 CFR

2012-07-01

... changes in the variable interest rate identified in § 685.202(a). (c) Standard repayment plan for Direct... variable interest rate identified in § 685.202(a). (e) Extended repayment plan for all Direct Loan... variable interest rate identified in § 685.202(a). (f) Graduated repayment plan for all Direct Loan...

77 FR 4854 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2012

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-31

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2012 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

77 FR 25010 - Military Reservist Economic Injury Disaster Loans Interest Rate for Third Quarter FY 2012

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-26

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans Interest Rate for Third Quarter FY 2012 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

78 FR 5555 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-25

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Second Quarter FY 2013 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

76 FR 44976 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2011

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-27

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2011 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

76 FR 66769 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012

Federal Register 2010, 2011, 2012, 2013, 2014

2011-10-27

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2012 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

77 FR 71668 - Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-03

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for First Quarter FY 2013 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

78 FR 26680 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Third Quarter FY 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-07

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Third Quarter FY 2013 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

78 FR 45283 - Military Reservist Economic Injury Disaster Loans Interest Rate for Fourth Quarter FY 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-26

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans Interest Rate for Fourth Quarter FY 2013 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

77 FR 46550 - Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2012

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-03

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans; Interest Rate for Fourth Quarter FY 2012 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

78 FR 65416 - Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-31

... SMALL BUSINESS ADMINISTRATION Military Reservist Economic Injury Disaster Loans Interest Rate for First Quarter FY 2014 In accordance with the Code of Federal Regulations 13--Business Credit and Assistance Sec. 123.512, the following interest rate is effective for Military Reservist Economic Injury...

7 CFR 1421.10 - Loan repayment rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... determined by the Secretary) that is calculated based on average market prices for the loan commodity during... and announce repayment rates under paragraphs (a)(2) and (a)(3) of this section based upon market prices at appropriate U.S. markets as determined by CCC and these repayment rates may be adjusted to...

7 CFR 1421.10 - Loan repayment rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

... determined by the Secretary) that is calculated based on average market prices for the loan commodity during... and announce repayment rates under paragraphs (a)(2) and (a)(3) of this section based upon market prices at appropriate U.S. markets as determined by CCC and these repayment rates may be adjusted to...

7 CFR 1421.10 - Loan repayment rates.

Code of Federal Regulations, 2011 CFR

2011-01-01

... determined by the Secretary) that is calculated based on average market prices for the loan commodity during... and announce repayment rates under paragraphs (a)(2) and (a)(3) of this section based upon market prices at appropriate U.S. markets as determined by CCC and these repayment rates may be adjusted to...

Guaranteed Student Loans: Analysis of Insurance Premiums Charged by Guaranty Agencies. Briefing Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

ERIC Educational Resources Information Center

Comptroller General of the U.S., Washington, DC.

The insurance premium rates that guaranty agencies charge student borrowers under the Guaranteed Student Loan program were analyzed by the U.S. General Accounting Office. The Higher Education Amendments of 1986 established a maximum rate (3% of the principal loan amount) that all agencies could charge student borrowers. Comparisons were made of…

Transfer of financial risk and alternative financing solutions.

PubMed

Levitt, Jeffrey C

2004-01-01

The high cost of health care in the United States has created a number of alarming economic and social problems. It has contributed to a greater number of underinsured and uninsured individuals living in the United States, and forced people to either ration or not purchase the care they need. Accumulated medical debt is grossly disproportionate to the US median AGI, and accounted for at least 25 percent of all personal bankruptcies. For patients, a guaranteed loan program specifically for medical procedures and treatments with below market interest rates would help alleviate bankruptcies related to medical debt by lowering payments and extending the loan maturities. A guaranteed loan program would also improve the debt charge-off rate for medical providers that carry patient receivables and reduce the risk of their balance sheets. This might hold or reduce the rate at which health care inflation grows. The health care loan program could model the current student loan programs and produce significant economic and societal benefits.

13 CFR 120.521 - What interest rate applies after SBA purchases its guaranteed portion?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rate applies after... 504 Loans Sba's Purchase of A Guaranteed Portion § 120.521 What interest rate applies after SBA purchases its guaranteed portion? When SBA purchases the guaranteed portion of a fixed interest rate loan...

78 FR 5431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-25

... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the... amended, the Chief Operating Officer for Federal Student Aid announces the interest rates for the period... interest rates to the public. FOR FURTHER INFORMATION CONTACT: Ian Foss, U.S. Department of Education, 830...

7 CFR 3555.256 - Transfer and assumptions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... guaranteed loan must be maintained or improved. (v) Any new rates and terms must not exceed the rates and terms allowed for new loans under this part, and the interest rate must not exceed the interest rate on... resulting from the death of the borrower; (ii) A transfer to a relative, joint tenant, or tenant by the...

25 CFR 103.15 - Are there any prohibited loan terms?

Code of Federal Regulations, 2012 CFR

2012-04-01

..., key man life, and other kinds of insurance, and such other charges as BIA may approve in writing; (c... the range of rates prevailing in the private market for similar loans; (g) A variable interest rate...

Binomial tree method for pricing a regime-switching volatility stock loans

NASA Astrophysics Data System (ADS)

Putri, Endah R. M.; Zamani, Muhammad S.; Utomo, Daryono B.

2018-03-01

Binomial model with regime switching may represents the price of stock loan which follows the stochastic process. Stock loan is one of alternative that appeal investors to get the liquidity without selling the stock. The stock loan mechanism resembles that of American call option when someone can exercise any time during the contract period. From the resembles both of mechanism, determination price of stock loan can be interpreted from the model of American call option. The simulation result shows the behavior of the price of stock loan under a regime-switching with respect to various interest rate and maturity.

76 FR 39474 - Monthly Median Cost of Funds Reporting, and Publication of Cost of Funds Indices

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-06

... commenter noted that there are ``numerous adjustable interest rate home loans including loans sold to the... original indices; and (B) the substitution of the new indices will result in an interest rate substantially... direct substitute because of recent changes in interest rate relationships resulting from monetary policy...

76 FR 47225 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-04

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

76 FR 4127 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-24

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

75 FR 41510 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-16

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

77 FR 42754 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-20

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

75 FR 5339 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-02

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

78 FR 4427 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-22

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

78 FR 44580 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-24

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

77 FR 4359 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-27

... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

Code of Federal Regulations, 2012 CFR

2012-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a cohort default rate... in a program of study with less than a full academic year remaining, the school need not recalculate...

34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

Code of Federal Regulations, 2010 CFR

2010-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a cohort default rate... in a program of study with less than a full academic year remaining, the school need not recalculate...

34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

Code of Federal Regulations, 2013 CFR

2013-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a cohort default rate... in a program of study with less than a full academic year remaining, the school need not recalculate...

34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

Code of Federal Regulations, 2011 CFR

2011-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a cohort default rate... in a program of study with less than a full academic year remaining, the school need not recalculate...

USAID and FINCA: helping women in Tanzania.

PubMed

Henderson, K

2000-01-01

In Tanzania, the international microfinance network FINCA set up shop and began training its first Village Banking Groups in June 1998, disbursing its first loans in July with a grant from the US Agency for International Development. Within 2 months, the program reached 757 low-income women and distributed loans worth US$57,183 using the group support system in which 30-50 neighbors come together to guarantee one another's loans. With the loans from FINCA, entrepreneurs quickly became involved in a range of business activities, from selling tomatoes to starting a hair salon. Located in Mwanza, in the Lake Zone, FINCA Tanzania's clients include many members of the Sukuma tribe. It is noted that in this region there are a few job opportunities in the formal economy. In 1999, FINCA Tanzania reached 3632 clients, exceeding its targets despite a difficult economic environment. In that same year, FINCA partnered with Freedom from Hunger in launching a program that offers some of its members health education and basic business training at Village Banking Group meetings.

19 CFR 351.505 - Loans.

Code of Federal Regulations, 2010 CFR

2010-04-01

... of which were established during, or immediately before, the year in which the terms of the... normally will use an annual average of the interest rates on comparable commercial loans during the year in... the actual experience of the firm in question in obtaining comparable commercial loans for both short...

7 CFR 4280.2 - Policy.

Code of Federal Regulations, 2011 CFR

2011-01-01

... § 4280.2 Policy. (a) REDL Program. REDL Zero-Interest Loans are made to Intermediaries, to relend, at a zero-interest rate, to Ultimate Recipients. Ultimate Recipients are responsible for repayment to the... Program. Grants are made to Intermediaries to establish Revolving Loan Funds. REDG Zero-Interest Loans are...

7 CFR 4280.2 - Policy.

Code of Federal Regulations, 2013 CFR

2013-01-01

... § 4280.2 Policy. (a) REDL Program. REDL Zero-Interest Loans are made to Intermediaries, to relend, at a zero-interest rate, to Ultimate Recipients. Ultimate Recipients are responsible for repayment to the... Program. Grants are made to Intermediaries to establish Revolving Loan Funds. REDG Zero-Interest Loans are...

7 CFR 4280.2 - Policy.

Code of Federal Regulations, 2014 CFR

2014-01-01

... § 4280.2 Policy. (a) REDL Program. REDL Zero-Interest Loans are made to Intermediaries, to relend, at a zero-interest rate, to Ultimate Recipients. Ultimate Recipients are responsible for repayment to the... Program. Grants are made to Intermediaries to establish Revolving Loan Funds. REDG Zero-Interest Loans are...

7 CFR 4280.2 - Policy.

Code of Federal Regulations, 2012 CFR

2012-01-01

... § 4280.2 Policy. (a) REDL Program. REDL Zero-Interest Loans are made to Intermediaries, to relend, at a zero-interest rate, to Ultimate Recipients. Ultimate Recipients are responsible for repayment to the... Program. Grants are made to Intermediaries to establish Revolving Loan Funds. REDG Zero-Interest Loans are...

7 CFR 4280.2 - Policy.

Code of Federal Regulations, 2010 CFR

2010-01-01

... § 4280.2 Policy. (a) REDL Program. REDL Zero-Interest Loans are made to Intermediaries, to relend, at a zero-interest rate, to Ultimate Recipients. Ultimate Recipients are responsible for repayment to the... Program. Grants are made to Intermediaries to establish Revolving Loan Funds. REDG Zero-Interest Loans are...

Quantitative Study Examining the Relationship between Demographic Factors and Loan Default among 4-Year College Students

ERIC Educational Resources Information Center

Cobb, Ashley K.

2017-01-01

The rate of default on college loans in the United States is staggering and poses a major financial threat not only to the students who are unable to repay their student loans but the U.S. economy. For instance, in 2011, borrowers at nonprofit and for-profit 4-year colleges accounted for almost 50% of all federal loan recipients. College students…

7 CFR 1781.6 - Loan purposes.

Code of Federal Regulations, 2011 CFR

2011-01-01

... conservation and water control facilities such as dikes, terraces, detention reservoirs, stream channels... vegetative measures to stabilize stream channels and gullies. (iv) Basic farm conservation practices to control runoff, erosion, and sedimentation. (6) Installing, repairing, and improving water storage...

12 CFR 917.2 - General authorities and duties of Bank boards of directors.

Code of Federal Regulations, 2010 CFR

2010-01-01

... MANAGEMENT OF THE FEDERAL HOME LOAN BANKS POWERS AND RESPONSIBILITIES OF BANK BOARDS OF DIRECTORS AND SENIOR... thereafter, have a working familiarity with basic finance and accounting practices, including the ability to...

38 CFR 36.4315 - Loan modifications.

Code of Federal Regulations, 2010 CFR

2010-07-01

... all of the following conditions are met: (1) The loan is in default; (2) The event or circumstances...) All modified loans must bear a fixed-rate of interest, which may not exceed the Government National... position, such as homeowner association fees, special assessments, water and sewer liens, etc., may be...

38 CFR 36.4315 - Loan modifications.

Code of Federal Regulations, 2013 CFR

2013-07-01

... the borrower, without prior approval of the Secretary, if all of the following conditions are met: (1... the loan; (8) The loan as modified will bear a fixed-rate of interest, which— (i) May not exceed the... lien position, such as homeowner association fees, special assessments, water and sewer liens, etc...

38 CFR 36.4315 - Loan modifications.

Code of Federal Regulations, 2014 CFR

2014-07-01

... the borrower, without prior approval of the Secretary, if all of the following conditions are met: (1... the loan; (8) The loan as modified will bear a fixed-rate of interest, which— (i) May not exceed the... lien position, such as homeowner association fees, special assessments, water and sewer liens, etc...

38 CFR 36.4315 - Loan modifications.

Code of Federal Regulations, 2012 CFR

2012-07-01

... the borrower, without prior approval of the Secretary, if all of the following conditions are met: (1... the loan; (8) The loan as modified will bear a fixed-rate of interest, which— (i) May not exceed the... lien position, such as homeowner association fees, special assessments, water and sewer liens, etc...

Student Loans in Ghana.

ERIC Educational Resources Information Center

Kotey, N.

1992-01-01

This article summarizes the current pattern of finance of higher education in Ghana, gives a brief history of student loans in Ghana, and describes a new program, which is administered by the Social Security and National Insurance Trust and is expected to result in a higher rate of loan repayment. (Author/DB)

Cohort Default Rates: Predicting the Probability of Federal Sanctions

ERIC Educational Resources Information Center

Hillman, Nicholas W.

2015-01-01

This study examines the institutional factors associated with student loan default. When a college has more than 30% of its students default on their loans, then the institution faces federal sanctions that could make them ineligible from participating in the federal student loan program. Using Integrated Postsecondary Education Data System…

Loans for Adult Learners: A Postsecondary Education Perspective.

ERIC Educational Resources Information Center

Arbeiter, Solomon

1979-01-01

Policy modifications by postsecondary, business, and banking institutions are suggested to make small loans readily available to adult learners for higher education. The author focuses on middle-income adult students with an interest in career mobility in examining existing student loan programs, deferred tuition plans, and adult repayment rates.…

Student Loan Defaults. Department of Education Limitations in Sanctioning Problem Schools. Report to the Ranking Minority Member, Subcommittee on Human Resources and Intergovernmental Relations, Committee on Government Reform and Oversight, House of Representatives.

ERIC Educational Resources Information Center

Blanchette, Cornelia M.

This report examines the effectiveness of recent federal government efforts through amendments to the Higher Education Act (1993) to reduce student loan defaults. Key measures to curb defaults had been to make schools with high student loan default rates ineligible for federal student loan programs. However, many institutions have challenged…

12 CFR 34.23 - Prepayment fees.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the outstanding debt over the remaining loan term at the then-current interest rate, that are made in... Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND APPRAISALS Adjustable-Rate Mortgages § 34.23 Prepayment fees. A national bank offering or purchasing ARM loans may...

12 CFR 619.9260 - Primary security.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Primary security. 619.9260 Section 619.9260 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9260 Primary security. The basic collateral securing the loan. ...

12 CFR 619.9260 - Primary security.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Primary security. 619.9260 Section 619.9260 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9260 Primary security. The basic collateral securing the loan. ...

Federal Student Loan Interest Rates: History, Subsidies, and Cost. Issue Brief

ERIC Educational Resources Information Center

Delisle, Jason

2012-01-01

The 2011 Occupy Wall Street protests brought countless media reports about unemployed college graduates struggling to repay their student loans and headlines sounding alarms that outstanding student loan debt will soon reach $1 trillion. Even though evidence is mixed on whether today's college graduates leave school with significantly more debt…

7 CFR 3565.213 - Geographic distribution.

Code of Federal Regulations, 2013 CFR

2013-01-01

... market of properties subject to a Agency guaranteed loan. The Agency will consider the credit quality of the loan and overall market conditions in making a determination of undue risk. If any of the Agency guaranteed loans in the market are experiencing vacancy rates in excess of 15% and the vacancy is due to...

7 CFR 3565.213 - Geographic distribution.

Code of Federal Regulations, 2014 CFR

2014-01-01

... market of properties subject to a Agency guaranteed loan. The Agency will consider the credit quality of the loan and overall market conditions in making a determination of undue risk. If any of the Agency guaranteed loans in the market are experiencing vacancy rates in excess of 15% and the vacancy is due to...

7 CFR 3565.213 - Geographic distribution.

Code of Federal Regulations, 2012 CFR

2012-01-01

... market of properties subject to a Agency guaranteed loan. The Agency will consider the credit quality of the loan and overall market conditions in making a determination of undue risk. If any of the Agency guaranteed loans in the market are experiencing vacancy rates in excess of 15% and the vacancy is due to...

7 CFR 3565.213 - Geographic distribution.

Code of Federal Regulations, 2010 CFR

2010-01-01

... market of properties subject to a Agency guaranteed loan. The Agency will consider the credit quality of the loan and overall market conditions in making a determination of undue risk. If any of the Agency guaranteed loans in the market are experiencing vacancy rates in excess of 15% and the vacancy is due to...

7 CFR 3565.213 - Geographic distribution.

Code of Federal Regulations, 2011 CFR

2011-01-01

... market of properties subject to a Agency guaranteed loan. The Agency will consider the credit quality of the loan and overall market conditions in making a determination of undue risk. If any of the Agency guaranteed loans in the market are experiencing vacancy rates in excess of 15% and the vacancy is due to...

38 CFR 36.4315 - Loan modifications.

Code of Federal Regulations, 2011 CFR

2011-07-01

... the borrower, without prior approval of the Secretary, if all of the following conditions are met: (1... the loan; (8) The loan as modified will bear a fixed-rate of interest, which— (i) May not exceed the... assessments, water and sewer liens, etc. Late fees and other charges may not be capitalized; (11) The holder...

34 CFR 668.193 - Loan servicing appeals.

Code of Federal Regulations, 2014 CFR

2014-07-01

... Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY... default rate. (2) You must send a request for loan servicing records to the relevant data manager, or data managers, and to us within 15 days after you receive your loan record detail report from us. If the data...

7 CFR 1717.302 - Definitions and rules of construction.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ELECTRIC LOANS Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.302... otherwise stated in the text, “borrower” shall mean power supply borrower. Loan contract means the agreement... loans made or guaranteed pursuant to the RE Act. Power supply borrower means any borrower engaged in the...

7 CFR 1717.302 - Definitions and rules of construction.

Code of Federal Regulations, 2011 CFR

2011-01-01

... ELECTRIC LOANS Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.302... otherwise stated in the text, “borrower” shall mean power supply borrower. Loan contract means the agreement... loans made or guaranteed pursuant to the RE Act. Power supply borrower means any borrower engaged in the...

12 CFR 615.5201 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... institution assumes more than its pro rata share of credit risk on a third-party asset or exposure; (5) Loans... its own right and carries such loan or lease assets on its books. Externally rated means that an..., except: (i) Stock that may be retired by the holder of the stock on repayment of the holder's loan, or...

7 CFR 1421.10 - Loan repayment rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

... grain rice, medium grain rice, and confectionery and each other kind of sunflower seed (other than oil sunflower seed)), a producer may repay a nonrecourse marketing assistance loan at a rate that is the lesser... a weekly basis in each county for oilseeds, except canola, flaxseed, soybeans, and sunflower seed...

7 CFR 1421.10 - Loan repayment rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

... grain rice, medium grain rice, and confectionery and each other kind of sunflower seed (other than oil sunflower seed)), a producer may repay a nonrecourse marketing assistance loan at a rate that is the lesser... a weekly basis in each county for oilseeds, except canola, flaxseed, soybeans, and sunflower seed...

Cohort Default Rates in Context

ERIC Educational Resources Information Center

Looney, Shannon M.

2011-01-01

Burgeoning student loan debt indicates problems not only for the country's borrowers but also for the postsecondary system. The rise in student loan defaults signifies a rise in institutional cohort default rates (CDRs)--a measure of accountability that informs the government and the general public how well an institution prepares its students for…

Colleges with High Default Rates on Guaranteed Loans Given 3 Years to Cut Them or Risk Losing Student Aid.

ERIC Educational Resources Information Center

Palmer, Stacy E.; Wilson, Robin

1987-01-01

Colleges and universities will be held directly responsible for loan repayments by their former students. Most postsecondary institutions with default rates of more than 20% are for-profit trade schools, community colleges, or historically Black colleges. (MLW)

In Debt and in the Dark: It's Time for Better Information on Student Loan Defaults. Charts You Can Trust

ERIC Educational Resources Information Center

Gillen, Andrew

2013-01-01

Student college loan default rates have nearly doubled in recent years. The three-year default rate exceeds 13 percent nationally. Tracking and reporting default rates is a crucial means of monitoring how well higher education dollars are spent. Yet, the way default data is gathered, measured, and reported by the federal government clouds…

Viewing Education Loans through a Myopic Lens. Discussion Paper 2008-05

ERIC Educational Resources Information Center

Gandhi, Sima J.

2008-01-01

Although the federal government dedicated nearly $40 billion to funding student loans in 2006, only 60 percent of potential students from low-income families attend college, compared with 90 percent from high-income families. This paper argues that enrollment rates are lower than they could be because potential students undervalue loan subsidies,…

Persistence Rates in Texas Colleges: Comparing College Access and Texas B-on-Time Loans

ERIC Educational Resources Information Center

Walker, Kimberly DeVette

2012-01-01

Student persistence in college education is a concern of policy makers and higher education administrators (College Board, 2010). Funding such as private student loans can contribute to financing a student's college degree. Many students are unable to attend college without borrowing private student loans. The purpose of this quantitative ex post…

Interlibrary Loan in ARL Libraries. SPEC Kit 92.

ERIC Educational Resources Information Center

Association of Research Libraries, Washington, DC. Office of Management Studies.

During the summer of 1982, the Association of Research Libraries (ARL) surveyed its members regarding their interlibrary loan (ILL) traffic and procedures. A response rate of 97% (110 out of 113 libraries surveyed) was obtained. The survey concentrated on loan charges and changes since a similar l976-77 survey. It was found that 33% of respondents…

Document Delivery: An Examination of Commercial Suppliers as an Alternative to Traditional Interlibrary Loan at the University of Wyoming Libraries.

ERIC Educational Resources Information Center

Leath, Janis

Several factors encouraged the University of Wyoming (UW) Libraries to reexamine traditional interlibrary loan services, including shrinking budgets, rises in journal subscription rates, increasing demands for interlibrary loan services, and lower user tolerance for delays in filling orders. In response the libraries decided to examine the journal…

A Predictive Model of Student Loan Default at a Two-Year Community College

ERIC Educational Resources Information Center

Brown, Chanda Denea

2015-01-01

This study explored whether a predictive model of student loan default could be developed with data from an institution's three-year cohort default rate report. The study used borrower data provided by a large two-year community college. Independent variables under investigation included total undergraduate Stafford student loan debt, total number…

7 CFR 4274.308 - Eligibility requirements-Ultimate recipients.

Code of Federal Regulations, 2010 CFR

2010-01-01

... making a loan to one of its members. (c) Any delinquent debt to the Federal Government by the ultimate... authority to incur the debt and carry out the purpose of the loan. (b) To be eligible to receive loans from... rates and terms. (4) Must, along with its principal officers (including their immediate family), hold no...

78 FR 54700 - Self-Regulatory Organizations; NYSE Arca, Inc.; Order Granting Approval of Proposed Rule Change...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-05

... common stocks; preferred securities; warrants to purchase common stocks or preferred securities... rated below investment grade at the time of purchase, or unrated securities deemed by the Fund's Adviser... contracts. The Fund may invest in such loans by purchasing assignments of all or a portion of loans or loan...

17 CFR 210.12-29 - Mortgage loans on real estate. 1

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2,3,4 Column B—Interest rate Column C...

17 CFR 210.12-29 - Mortgage loans on real estate. 1

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2,3,4 Column B—Interest rate Column C...

17 CFR 210.12-29 - Mortgage loans on real estate. 1

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 For Certain Real Estate Companies § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2 3 4 Column B—Interest rate Column C...

7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., or from the installation on individual farms of land development or other soil and water improvements... principal benefits from the WS works of improvement or RCD measure being financed first become available. (3) The useful life of the WS works of improvement or RCD measure being financed with loan or advance...

38 CFR 36.4514 - Eligibility requirements.

Code of Federal Regulations, 2010 CFR

2010-07-01

.... (Authority: 38 U.S.C. 501) (d) Private capital is not available in the area at an interest rate not in excess of the rate authorized for guaranteed home loans for a loan for which the veteran is qualified under... and any such covenant is specifically disclaimed; and (3) The applicant understands that civil action...

Analysis of Student Loan Special Rate Allowances and Servicing Costs.

ERIC Educational Resources Information Center

Technology Management, Inc., Cambridge, MA.

This document addresses two separate, though related aspects of the operation of the Guaranteed Student Loan Program (GSLP): (1) the mechanism for setting the special rate allowance (SRA); and (2) the effect of the operating requirements of the program on lender servicing costs. The study develops recommendations for improving both aspects of the…

7 CFR 1421.109 - Personal liability of the producer.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) The rate at which the loan was disbursed, plus interest and any other charges assessed under the note... rate at which the loan was disbursed, plus interest and any other charges assessed under the note and... disbursed, plus interest and any other charges assessed under the note and security agreement. (2) Did not...

7 CFR 1735.17 - Facilities financed.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF... Basic Policies § 1735.17 Facilities financed. (a) RUS makes hardship and guaranteed loans to finance the... apparatus owned by the borrower, headquarters facilities, and vehicles not used primarily in construction...

7 CFR 1735.17 - Facilities financed.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF... Basic Policies § 1735.17 Facilities financed. (a) RUS makes hardship and guaranteed loans to finance the... apparatus owned by the borrower, headquarters facilities, and vehicles not used primarily in construction...

7 CFR 1735.17 - Facilities financed.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF... Basic Policies § 1735.17 Facilities financed. (a) RUS makes hardship and guaranteed loans to finance the... apparatus owned by the borrower, headquarters facilities, and vehicles not used primarily in construction...

7 CFR 1735.17 - Facilities financed.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF... Basic Policies § 1735.17 Facilities financed. (a) RUS makes hardship and guaranteed loans to finance the... apparatus owned by the borrower, headquarters facilities, and vehicles not used primarily in construction...

7 CFR 1421.105 - Farm-stored marketing assistance loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... change to substantiate removing such reductions. Percentages established or loan rates adjusted for... conditions; (2) Factors affecting quality peculiar to an area within the State; and (3) Climatic conditions...

12 CFR 701.21 - Loans to members and lines of credit to members.

Code of Federal Regulations, 2013 CFR

2013-01-01

... the decision to make a loan or establish a line of credit. A credit union may advance money to a... determines money market interest rates have risen over the preceding six-month period and prevailing interest... loan to finance the purchase of a mobile home if the mobile home will be used as the member-borrower's...

12 CFR 701.21 - Loans to members and lines of credit to members.

Code of Federal Regulations, 2014 CFR

2014-01-01

... the decision to make a loan or establish a line of credit. A credit union may advance money to a... determines money market interest rates have risen over the preceding six-month period and prevailing interest... loan to finance the purchase of a mobile home if the mobile home will be used as the member-borrower's...

Student Loan Default: Do Characteristics of Four-Year Institutions Contribute to the Puzzle?

ERIC Educational Resources Information Center

Webber, Karen L.; Rogers, Sharon L.

2010-01-01

College student debt and loan default are growing concerns in the United States. For each U.S. institution, the federal government is now reporting a cohort default rate, which is the percent of students who defaulted on their loan, averaged over a three-year period. Previous studies have amply shown that student characteristics are strongly…

Fewer Resources, More Debt: Loan Debt Burdens Students at Historically Black Colleges and Universities

ERIC Educational Resources Information Center

Saunders, Katherine M.; Williams, Krystal L.; Smith, Cheryl L.

2016-01-01

Student loans have become an increasingly important way for students and their families to pay for college, but for students at historically black colleges and universities (HBCUs), student loan debt is a substantial burden. Students who attend these institutions--many of whom are low-income and first-generation--must borrow at higher rates and,…

7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... principal benefits from the WS works of improvement or RCD measure being financed first become available. (3) The useful life of the WS works of improvement or RCD measure being financed with loan or advance... repaid within the life of the reservoir structure but in no event later than 50 years for WS and 30 years...

38 CFR 36.4302 - Computation of guaranties or insurance credits.

Code of Federal Regulations, 2010 CFR

2010-07-01

.... (b) With respect to an interest rate reduction refinancing loan guaranteed under 38 U.S.C. 3710(a)(8... the graduation period without regard to the original maximum dollar amount of guaranty. (Authority: 38... eligible for an interest rate reduction refinancing loan pursuant to 38 U.S.C. 3710(a)(8) or (9)(B)(i...

Education Levels and Mortgage Application Outcomes: Evidence of Financial Literacy. Discussion Paper No. 1369-09

ERIC Educational Resources Information Center

Collins, J. Michael

2009-01-01

This paper uses 2005 Home Mortgage Disclosure Act data aggregated by census tract to measure the relationship between census tract-level college completion rates and the rates at which first lien refinance mortgage applicants submit incomplete loan applications, withdraw loan applications before they are reviewed, and reject lender approved loan…

7 CFR 1782.13 - Transfer of security and assumption of loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... at the same interest rate as on the borrower's note(s) or bond(s). The maturity of the debt... loans have the same interest rate and are for the same purpose. If applicable, 7 CFR part 1780 will... processing. (2) The transfer will not be disadvantageous to the Government as determined by the approval...

12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Code of Federal Regulations, 2011 CFR

2011-01-01

... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...

12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Code of Federal Regulations, 2012 CFR

2012-01-01

... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...

12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Code of Federal Regulations, 2010 CFR

2010-01-01

... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...

Web Sites Face Hurdles in Promising Students Unbiased Loan-Rate Comparisons

ERIC Educational Resources Information Center

Basken, Paul

2007-01-01

Someday students seeking a college loan might go to a Web site, fill out a brief questionnaire, and get connected to the lender with the best possible rate. Such a system would bring cheer to students seeking straight answers, lenders seeking fair competition, and colleges seeking relief from investigations led by Attorney General Andrew M. Cuomo…

77 FR 33181 - Large Residential Washers From the Republic of Korea: Preliminary Affirmative Countervailing Duty...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-05

... does not include a rate for either the ``Korea Trade Insurance Corporation (K-SURE)-- Short-Term Export.... C. Benchmark Interest Rate for Short-Term Loans Section 771(5)(E)(ii) of the Act states that the... Development Bank (KDB)/IBK Short-Term Discounted Loans for Export Receivables'' program, an analysis of any...

7 CFR 1735.31 - RUS cost-of-money and RTB loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Money Interest Rate if the Treasury ceases to issue the Statistical Release or changes its format or... fiscal year the amount of funds appropriated changes, the ratio will be adjusted accordingly and applied... described in paragraphs (c)(1) and (c)(2) of this section (the actual rate of interest on the RTB loan shall...

76 FR 80868 - Increasing Access to Rural Community Investment Opportunities for Investors

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-27

... from their investment. Background USDA has a long and successful history of making loans to rural..., Loan term, Interest rates, Lien positions, Collateral, Delinquency actions, Diversification, and [[Page...

Curve fitting of the corporate recovery rates: the comparison of Beta distribution estimation and kernel density estimation.

PubMed

Chen, Rongda; Wang, Ze

2013-01-01

Recovery rate is essential to the estimation of the portfolio's loss and economic capital. Neglecting the randomness of the distribution of recovery rate may underestimate the risk. The study introduces two kinds of models of distribution, Beta distribution estimation and kernel density distribution estimation, to simulate the distribution of recovery rates of corporate loans and bonds. As is known, models based on Beta distribution are common in daily usage, such as CreditMetrics by J.P. Morgan, Portfolio Manager by KMV and Losscalc by Moody's. However, it has a fatal defect that it can't fit the bimodal or multimodal distributions such as recovery rates of corporate loans and bonds as Moody's new data show. In order to overcome this flaw, the kernel density estimation is introduced and we compare the simulation results by histogram, Beta distribution estimation and kernel density estimation to reach the conclusion that the Gaussian kernel density distribution really better imitates the distribution of the bimodal or multimodal data samples of corporate loans and bonds. Finally, a Chi-square test of the Gaussian kernel density estimation proves that it can fit the curve of recovery rates of loans and bonds. So using the kernel density distribution to precisely delineate the bimodal recovery rates of bonds is optimal in credit risk management.

Curve Fitting of the Corporate Recovery Rates: The Comparison of Beta Distribution Estimation and Kernel Density Estimation

PubMed Central

Chen, Rongda; Wang, Ze

2013-01-01

Recovery rate is essential to the estimation of the portfolio’s loss and economic capital. Neglecting the randomness of the distribution of recovery rate may underestimate the risk. The study introduces two kinds of models of distribution, Beta distribution estimation and kernel density distribution estimation, to simulate the distribution of recovery rates of corporate loans and bonds. As is known, models based on Beta distribution are common in daily usage, such as CreditMetrics by J.P. Morgan, Portfolio Manager by KMV and Losscalc by Moody’s. However, it has a fatal defect that it can’t fit the bimodal or multimodal distributions such as recovery rates of corporate loans and bonds as Moody’s new data show. In order to overcome this flaw, the kernel density estimation is introduced and we compare the simulation results by histogram, Beta distribution estimation and kernel density estimation to reach the conclusion that the Gaussian kernel density distribution really better imitates the distribution of the bimodal or multimodal data samples of corporate loans and bonds. Finally, a Chi-square test of the Gaussian kernel density estimation proves that it can fit the curve of recovery rates of loans and bonds. So using the kernel density distribution to precisely delineate the bimodal recovery rates of bonds is optimal in credit risk management. PMID:23874558

12 CFR 614.4910 - Basic authorities.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., except a bank for cooperatives, with direct lending authority may originate agricultural real estate loans for sale to one or more certified agricultural mortgage marketing facilities under title VIII of... operate as an agricultural mortgage marketing facility under title VIII of the Act, either acting alone or...

Interest Subsidies on Student Loans: A Better Class of Drain. CEE DP 114

ERIC Educational Resources Information Center

Barr, Nicholas; Johnston, Alison

2010-01-01

The British system of student loans has a zero real rate of interest, less than it costs the government to borrow the money. This paper discusses the problems that arise from interest subsidies in the UK system of student loans; systems in other countries, for example Australia and New Zealand, face similar problems. The topic appears to be narrow…

Guaranteed Student Loans: Profits of Secondary Market Lenders Vary Widely. United States General Accounting Office Briefing Report to Congressional Requesters.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

This report was prepared to determine lenders' rates of return or profitability on Stafford loans in their portfolios, reasons for varying levels of profitability among institutions that hold such loans, and the effect of 1986 subsidy reductions on these lenders' profitability. The study focused on the activities of lenders that purchase Stafford…

Valuation of Residential Premises for the Purposes of Securing the Receivables of the Creditor in Poland

NASA Astrophysics Data System (ADS)

Hełdak, Maria; Stacherzak, Agnieszka

2017-10-01

The study presents an analysis of the theoretical and practical issues connected with securing the receivables of creditors, in particular the principles connected with the appraisal of real property value used for the purposes of granting loans in Poland. The scope of research included the basic elements of the functioning and organisation of the Polish banking system, legal forms of securing debt receivables and the principles of real property valuation for universal and mortgage banks. Additionally, the authors have conducted an analysis of the number and amount of loans granted in Poland in the years 2009 - 2016

34 CFR 668.212 - Loan servicing appeals.

Code of Federal Regulations, 2011 CFR

2011-07-01

...) Any cohort default rate upon which a loss of eligibility under § 668.206 is based. (b) Improper loan... preclaims or default aversion assistance to the guaranty agency; and (ii) Submit a certification or other...

34 CFR 668.212 - Loan servicing appeals.

Code of Federal Regulations, 2010 CFR

2010-07-01

...) Any cohort default rate upon which a loss of eligibility under § 668.206 is based. (b) Improper loan... preclaims or default aversion assistance to the guaranty agency; and (ii) Submit a certification or other...

Paying for Default: Change over Time in the Share of Federal Financial Aid Sent to Institutions with High Student Loan Default Rates

ERIC Educational Resources Information Center

Jaquette, Ozan; Hillman, Nicholas W.

2015-01-01

Both federal spending on financial aid and student loan default rates have increased over the past decade. These trends have intensified policymakers' concerns that some postsecondary institutions-- particularly in the for-profit sector--maximize revenue derived from federal financial aid without helping students to graduate or find employment.…

12 CFR 701.21 - Loans to members and lines of credit to members.

Code of Federal Regulations, 2010 CFR

2010-01-01

... credit. A credit union may advance money to a member to cover an account deficit without having a credit... exceeding the 15 percent per year rate, if it determines money market interest rates have risen over the... loan to finance the purchase of a mobile home if the mobile home will be used as the member-borrower's...

12 CFR 701.21 - Loans to members and lines of credit to members.

Code of Federal Regulations, 2011 CFR

2011-01-01

... credit. A credit union may advance money to a member to cover an account deficit without having a credit... exceeding the 15 percent per year rate, if it determines money market interest rates have risen over the... loan to finance the purchase of a mobile home if the mobile home will be used as the member-borrower's...

12 CFR 701.21 - Loans to members and lines of credit to members.

Code of Federal Regulations, 2012 CFR

2012-01-01

... credit. A credit union may advance money to a member to cover an account deficit without having a credit... exceeding the 15 percent per year rate, if it determines money market interest rates have risen over the... loan to finance the purchase of a mobile home if the mobile home will be used as the member-borrower's...

A Study of the Impact of Default Management Practices and Other Factors on Student Loan Default Rates in Public Two-Year Community Colleges

ERIC Educational Resources Information Center

Daniels, Randell W.

2013-01-01

Default management practices and their relationship to the student loan default rate in public two-year community colleges was the focus of this investigation. Five research questions regarding written default management plans, default management practices, process management, accountability, and other factors impacting default guided the study.…

Study of the Insurance Premium Charged to Borrowers under the Guaranteed Student Loan Program. Report No. 3.

ERIC Educational Resources Information Center

Touche Ross and Co., Washington, DC.

Insurance premiums being charged to borrowers under the Guaranteed Student Loan (GSL) program were studied to determine if the rate exceeded the rate necessary to protect the reserves of the insurer. Attention was directed to whether historical changes in the GSL program have affected insurance premiums. Guaranty agency's sources and uses of funds…

7 CFR 1710.117 - Environmental considerations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Environmental considerations. 1710.117 Section 1710... GUARANTEES Loan Purposes and Basic Policies § 1710.117 Environmental considerations. Borrowers are required... Environmental Policy Act (NEPA), as amended (42 U.S.C. 4321 et seq.); the Council on Environmental Quality...

7 CFR 1710.117 - Environmental considerations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Environmental considerations. 1710.117 Section 1710... GUARANTEES Loan Purposes and Basic Policies § 1710.117 Environmental considerations. Borrowers are required... Environmental Policy Act (NEPA), as amended (42 U.S.C. 4321 et seq.); the Council on Environmental Quality...

Financial Aid for Higher Education: Anything's Possible!

ERIC Educational Resources Information Center

National Information Center for Handicapped Children and Youth, Washington, DC.

Information on programs that provide financial aid to colleges and students are described in this information sheet of the National Information Center for Handicapped Children and Youth. Four basic categories of financial aid are grants, loans, work, and benefits. The Division of Personnel Preparation of the U.S. Department of Education makes…

Handbook for Student Assistants of New Mexico Tech Library.

ERIC Educational Resources Information Center

New Mexico Inst. of Mining and Technology, Socorro.

Designed to be used in conjunction with a departmental operations manual, this guide for student assistants in the New Mexico Institute of Mining and Technology Library provides basic information about the library as a whole. Topics covered by the guide are: (1) library departments, including reference services, interlibrary loan, technical…

Toward a typology of health-related informal credit: an exploration of borrowing practices for paying for health care by the poor in Cambodia

PubMed Central

2012-01-01

Background Borrowing money is a common strategy to cope with health care costs. The impact of borrowing on households can be severe, leading to indebtedness and further impoverishment. However, the available literature on borrowing practices for health is limited. We explore borrowing practices for paying for health care by the poor in Cambodia and provide a typology, associated conditions, and the extent of the phenomenon. Methods In addition to a semi-structured literature review, in-depth interviews were conducted with representatives of 47 households with health-related debt and 19 managers of formal or informal credit schemes. Results A large proportion of Cambodians, especially the poor, resort to borrowing to meet the cost of health care. Because of limited cash flow and access to formal creditors, the majority take out loans with high interest rates from informal money lenders. The most common type of informal credit is locally known as Changkar and consists of five kinds of loans: short-term loans, medium-term loans, seasonal loans, loans for an unspecified period, and loans with repayment in labour, each with different lending and repayment conditions and interest rates. Conclusion This study suggests the importance of informal credit for coping with the cost of treatment and its potentially negative impact on the livelihood of Cambodian people. We provide directions for further studies on financial protection interventions to mitigate harmful borrowing practices to pay for health care in Cambodia. PMID:23134845

The Effects of Different Loan Schemes for Higher Education Tuition: An Analysis of Rates of Return and Tuition Revenue in Thailand

ERIC Educational Resources Information Center

Chapman, Bruce; Lounkaew, Kiatanantha

2009-01-01

In recent times there has been considerable change and instability with respect to Thailand student loans policy. The contribution of what follows is to compare and contrast the consequences of disparate possible approaches to the payment of tuition in two main respects: the effect on internal rates of return for higher education investments; and…

13 CFR 109.200 - Application to become an ILP Intermediary.

Code of Federal Regulations, 2012 CFR

2012-01-01

...) The size and range of loans to be made; (iii) The interest rate and terms of the loans to be made; (iv) The geographic area to be served and the economic, poverty, and unemployment characteristics of the...

13 CFR 109.200 - Application to become an ILP Intermediary.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) The size and range of loans to be made; (iii) The interest rate and terms of the loans to be made; (iv) The geographic area to be served and the economic, poverty, and unemployment characteristics of the...

13 CFR 109.200 - Application to become an ILP Intermediary.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) The size and range of loans to be made; (iii) The interest rate and terms of the loans to be made; (iv) The geographic area to be served and the economic, poverty, and unemployment characteristics of the...

7 CFR 765.402 - Transfer of security and loan assumption on same rates and terms.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... (3) A corporation, including limited liability company, or cooperative, the transferee must: (i) Have... personal liability for the loan; (d) A new entity buys the borrower entity and continues to operate the...

25 CFR 103.15 - Are there any prohibited loan terms?

Code of Federal Regulations, 2010 CFR

2010-04-01

... hazard, liability, key man life, and other kinds of insurance, and such other charges as BIA may approve..., taking into account the range of rates prevailing in the private market for similar loans; (g) A variable...

25 CFR 103.15 - Are there any prohibited loan terms?

Code of Federal Regulations, 2013 CFR

2013-04-01

... hazard, liability, key man life, and other kinds of insurance, and such other charges as BIA may approve..., taking into account the range of rates prevailing in the private market for similar loans; (g) A variable...

25 CFR 103.15 - Are there any prohibited loan terms?

Code of Federal Regulations, 2011 CFR

2011-04-01

... hazard, liability, key man life, and other kinds of insurance, and such other charges as BIA may approve..., taking into account the range of rates prevailing in the private market for similar loans; (g) A variable...

25 CFR 103.15 - Are there any prohibited loan terms?

Code of Federal Regulations, 2014 CFR

2014-04-01

... hazard, liability, key man life, and other kinds of insurance, and such other charges as BIA may approve..., taking into account the range of rates prevailing in the private market for similar loans; (g) A variable...

24 CFR 201.18 - Modification agreement or repayment plan.

Code of Federal Regulations, 2011 CFR

2011-04-01

... brought current before or by the end of the loan term. A modification agreement may also be used in lieu of refinancing in connection with a loan that is current to effect a reduction in the interest rate...

24 CFR 201.18 - Modification agreement or repayment plan.

Code of Federal Regulations, 2010 CFR

2010-04-01

... brought current before or by the end of the loan term. A modification agreement may also be used in lieu of refinancing in connection with a loan that is current to effect a reduction in the interest rate...

42 CFR 23.31 - May loan payments be postponed or waived?

Code of Federal Regulations, 2011 CFR

2011-10-01

..., interest will continue to accrue at the rate specified in the promissory note until the loan is repaid in... shall be cancelled upon the death or total and permanent disability of the borrower, as determined by...

The cost-effectiveness of three interventions for providing preventive services to low-income children.

PubMed

Johnson, Ben; Serban, Nicoleta; Griffin, Paul M; Tomar, Scott L

2017-12-01

We evaluated the impact of loan repayment programmes, revising Medicaid fee-for-service rates, and changing dental hygienist supervision requirements on access to preventive dental care for children in Georgia. We estimated cost savings from the three interventions of preventive care for young children after netting out the intervention cost. We used a regression model to evaluate the impact of changing the Medicaid reimbursement rates. The impact of supervision was evaluated by comparing general and direct supervision in school-based dental sealant programmes. Federal loan repayments to dentists and school-based sealant programmes (SBSPs) had lower intervention costs (with higher potential cost savings) than raising the Medicaid reimbursement rate. General supervision had costs 56% lower than direct supervision of dental hygienists for implementing a SBSP. Raising the Medicaid reimbursement rate by 10 percentage points would improve utilization by <1% and cost over $38 million. Given one parameter set, SBSPs could serve over 27 000 children with an intervention cost between $500 000 and $1.3 million with a potential cost saving of $1.1 million. Loan repayment could serve almost 13 000 children for a cost of $400 000 and a potential cost saving of $176 000. The three interventions all improved met need for preventive dental care. Raising the reimbursement rate alone would marginally affect utilization of Medicaid services but would not substantially increase acceptance of Medicaid by providers. Both loan repayment programmes and amending supervision requirements are potentially cost-saving interventions. Loan repayment programmes provide complete care to targeted areas, while amending supervision requirements of dental hygienists could provide preventive care across the state. © 2017 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.

Direct Student Loans: Additional Steps Would Increase Borrowers' Awareness of Electronic Debiting and Reduce Federal Administrative Costs. Report to the Honorable James M. Jeffords, U.S. Senate.

ERIC Educational Resources Information Center

Ashby, Cornelia M.

In November 1999, the U.S. Department of Education began offering a 0.25% interest rate reduction to borrowers under the Direct Loan program who agree to have their monthly loan payments automatically withdrawn from a bank account through its electronic debit account (EDA) program. The Department of Education submitted a justification to the…

Early warning system for potential churners among mortgage customers

NASA Astrophysics Data System (ADS)

Irpan, Hamidah Muhd; Aidid, Sharifah Sakinah Syed Hassan; Mohmad, Sarahiza; Ibrahim, Noorazilah

2014-07-01

Retaining existing customer is a major task for many companies because cost to acquire new customers is higher than retaining existing customers. For mortgage business in Bank X, customer relationship management plays a big role to understand their customers' profile and churners so that suitable action can be done to retain their potential churners. Objectives of this study are (1) understanding their customers' profile and churners, (2) modeling potential churners using neural network model and (3) to deploy the model to identify potential churners. Data was divided into two parts: sampling (67,470 cases) and scoring (4,488 cases). Analysis was done using SAS Enterprise Miner. Dependent variable is churner/non churner while independent variables are balance and amount of loan, interest rate offered installment amount, loan performance, months in arrear, vintage, tenure, age, race and gender. Potential churners were identified as Malays, followed by Indian, other races and Chinese. Nonperforming loan and male customers tend to churn compared to performing loan and female customers. Younger customers with small loan amount, balance and monthly instalment, higher interest rate, have many months in arrears, longer vintage and tenure have higher tendency to churn from Bank X. Hence, Bank X should focus on the potential churners for their campaign to minimize the expenses of retaining existing customers by doing an effective campaign with high successful rate.

The Global Financial Crisis: Analysis and Policy Implications

DTIC Science & Technology

2009-10-02

financial institutions, as well as government capital injections and loans to private corporations have become parts of rescue and stimulus packages and...postponement of corporate tax increases, government guarantees for loans to small and midsize businesses, spending on public works, including public...measures to assist specific industries or firms. For example, the government reduced the corporate tax rate from 24% to 20% and the tax rate on small

75 FR 54331 - Privacy Act of 1974; System of Records

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-07

... Grant, an ACG Grant, a National SMART Grant, a Federal Supplemental Educational Opportunity Grant (FSEOG... cohort default rate calculations for educational institutions, financial institutions and guaranty...; (2) to provide student aggregate loan calculations to educational institutions; (3) to track loan...

31 CFR 545.524 - Extensions or renewals of loans.

Code of Federal Regulations, 2010 CFR

2010-07-01

... maturities of existing loans, and for charging fees or interest at commercially reasonable rates in... Taliban, persons whose property or interests in property are blocked pursuant to § 545.201, or persons in the territory of Afghanistan controlled by the Taliban. ...

Accounting, Recordkeeping, and Reporting by Colleges and Universities for Federally Funded Student Financial Aid Programs (The "Blue Book").

ERIC Educational Resources Information Center

Bureau of Student Financial Assistance (DHEW/OE), Washington, DC.

This manual was prepared to assist postsecondary education institutions in meeting their responsibilities in the administration of federal student aid programs: the Basic Educational Grant Program, College Work-Study Program, National Direct Student Loan Program, and Supplemental Educational Opportunity Grants Program. Areas are identified in…

12 CFR 1273.8 - General duties of the OF board of directors.

Code of Federal Regulations, 2013 CFR

2013-01-01

.... 1273.8 Section 1273.8 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS OFFICE OF FINANCE § 1273.8 General duties of the OF board of directors. (a) General. Each director shall... a working familiarity with basic finance and accounting practices, including the ability to read and...

12 CFR 1273.8 - General duties of the OF board of directors.

Code of Federal Regulations, 2012 CFR

2012-01-01

.... 1273.8 Section 1273.8 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS OFFICE OF FINANCE § 1273.8 General duties of the OF board of directors. (a) General. Each director shall... a working familiarity with basic finance and accounting practices, including the ability to read and...

7 CFR 1710.126 - Federal debt delinquency.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Federal debt delinquency. 1710.126 Section 1710.126... and Basic Policies § 1710.126 Federal debt delinquency. (a) Prior to approval of a loan or advance of... reasons for the delinquency must be explained, and RUS will take such explanation into consideration in...

7 CFR 1710.107 - Amount lent for acquisitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Amount lent for acquisitions. 1710.107 Section 1710... GUARANTEES Loan Purposes and Basic Policies § 1710.107 Amount lent for acquisitions. The maximum amount that will be lent for an acquisition is limited to the value of the property, as determined by RUS. If the...

Historical Perspectives: The Servicemen's Readjustment Act of 1944

ERIC Educational Resources Information Center

Jolly, Jennifer L.

2013-01-01

Nearly 70 years ago, The Servicemen's Readjustment Act of 1944, better known as the GI Bill of Rights (GI standing for "Government Issue"), altered the social and economic terrain of American society. The Bill's basic tenets provided unemployment pay, home loans, and education and training for returning World War II veterans. When the…

31 CFR 19.705 - What does the suspending official consider in issuing a suspension?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false What does the suspending official consider in issuing a suspension? 19.705 Section 19.705 Money and Finance: Treasury Office of the Secretary... may examine the basic documents, including grants, cooperative agreements, loan authorizations...

Unmarried parents in college.

PubMed

Goldrick-Rab, Sara; Sorensen, Kia

2010-01-01

Noting that access to higher education has expanded dramatically in the past several decades, Sara Goldrick-Rab and Kia Sorensen focus on how unmarried parents fare once they enter college. Contrary to the expectation that access to college consistently promotes family stability and economic security, the authors argue that deficiencies in current policy lead college attendance to have adverse consequences for some families headed by unmarried parents. Although rates of college attendance have increased substantially among unmarried parents, their college completion rates are low. One explanation is inadequate academic preparation. Another is financial constraints, which can force unmarried students to interrupt their studies or increase their work hours, both of which compromise the quality of their educational experiences and the outcomes for their children. The authors point out that although many public programs offer support to unmarried parents attending college, the support is neither well coordinated nor easily accessed. Over the past three decades, loans have increasingly replaced grants as the most common form of federal and state financial aid. Confusion about what is available leads many low-income students to the two most "straightforward" sources of income--loans and work, both of which involve significant costs and can operate at cross-purposes with public forms of support. Too much work can lead to reductions in public benefits, and earnings do not always replace the lost income. A growing body of experimental evidence shows that providing social, financial, and academic supports to vulnerable community college students can improve achievement and attainment. Contextualized learning programs, for example, have enabled participants not only to move on from basic skills to credit-bearing coursework, but also to complete credits, earn certificates, and make gains on basic skills tests. Another successful initiative provided low-performing students with special counseling services and a small stipend of $150 per semester when they used those services. And researchers are conducting experimental performance-based financial aid programs at community colleges to test their effectiveness. Goldrick-Rab and Sorensen conclude that more effective support could enable unmarried students to complete college degree and certificate programs.

7 CFR 4280.124 - Guaranteed loan funding.

Code of Federal Regulations, 2012 CFR

2012-01-01

... General Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.124 Guaranteed... section, as long as the items are an integral and necessary part of the renewable energy system or energy... Agency will pro-rate the energy efficiency improvement's total eligible project costs based on the...

7 CFR 4280.124 - Guaranteed loan funding.

Code of Federal Regulations, 2013 CFR

2013-01-01

... General Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.124 Guaranteed... section, as long as the items are an integral and necessary part of the renewable energy system or energy... Agency will pro-rate the energy efficiency improvement's total eligible project costs based on the...

7 CFR 4280.124 - Guaranteed loan funding.

Code of Federal Regulations, 2014 CFR

2014-01-01

... General Renewable Energy System and Energy Efficiency Improvement Guaranteed Loans § 4280.124 Guaranteed... section, as long as the items are an integral and necessary part of the renewable energy system or energy... Agency will pro-rate the energy efficiency improvement's total eligible project costs based on the...

76 FR 72021 - Florida Disaster #FL-00066

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-21

... flooding. Incident Period: 10/28/2011 Through 10/31/2011. Effective Date: 11/14/2011. Physical Loan Application Deadline Date: 01/13/2012. Economic Injury (EIDL) Loan Application Deadline Date: 08/14/2012..., Palm Beach. The Interest Rates are: Percent For Physical Damage: Homeowners With Credit Available...

78 FR 25940 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-03

... Service Title: Rural Micro-Entrepreneur Assistance Program. OMB Control Number: 0570-0062. Summary of... Rural Micro- entrepreneur Assistance Program (RMAP). The Secretary makes direct loans to rural... rate business loans of $50,000 or less to micro- entrepreneurs, as defined in the 2008 Farm Bill. Need...

12 CFR Appendix A to Part 228 - Ratings

Code of Federal Regulations, 2010 CFR

2010-01-01

... number and amount of home mortgage, small business, small farm, and consumer loans, if applicable, in its..., particularly in its assessment area(s), of loans among individuals of different income levels and businesses... individuals, or businesses (including farms) with gross annual revenues of $1 million or less, consistent with...

12 CFR Appendix A to Part 345 - Ratings

Code of Federal Regulations, 2010 CFR

2010-01-01

... number and amount of home mortgage, small business, small farm, and consumer loans, if applicable, in its..., particularly in its assessment area(s), of loans among individuals of different income levels and businesses... individuals, or businesses (including farms) with gross annual revenues of $1 million or less, consistent with...

12 CFR Appendix A to Part 563e - Ratings

Code of Federal Regulations, 2010 CFR

2010-01-01

..., small business, small farm, and consumer loans, if applicable, in its assessment area(s); (B) A... area(s), of loans among individuals of different income levels and businesses (including farms) of... individuals, or businesses (including farms) with gross annual revenues of $1 million or less, consistent with...

12 CFR Appendix A to Part 25 - Ratings

Code of Federal Regulations, 2010 CFR

2010-01-01

... number and amount of home mortgage, small business, small farm, and consumer loans, if applicable, in its..., particularly in its assessment area(s), of loans among individuals of different income levels and businesses... individuals, or businesses (including farms) with gross annual revenues of $1 million or less, consistent with...

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2012 CFR

2012-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2013 CFR

2013-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2014 CFR

2014-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2011 CFR

2011-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2013 CFR

2013-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 345.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2013 CFR

2013-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2012 CFR

2012-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2014 CFR

2014-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2014 CFR

2014-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2011 CFR

2011-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 228.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2012 CFR

2012-01-01

... obtained from community organizations, state, local, and tribal governments, economic development agencies... condition of the bank, the economic climate (national, regional, and local), safety and soundness... in Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

12 CFR 25.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2011 CFR

2011-01-01

... from community organizations, state, local, and tribal governments, economic development agencies, or... of the bank, the economic climate (national, regional, and local), safety and soundness limitations... Lending Act (15 U.S.C. 1650(a)(7)) (including a loan under a state or local education loan program...

OCLC--A Personal Network.

ERIC Educational Resources Information Center

Thompson, Dorothea M.

1985-01-01

Tabulation of an academic library's record of improved success rate and fill time for interlibrary loans utilizing the OCLC interlibrary loan subsystem supports continued use of four common-sense rules: use OCLC first; use other union lists next; select smallest nearby library; spread requests among small libraries. Twelve references are cited.…

78 FR 36029 - CDFI Bond Guarantee Program

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-14

... the extent a Secondary Loan is financed on a corporate finance basis (i.e., through a Credit... Issue. Bonds will be used to finance Bond Loans to Eligible CDFIs for Eligible Purposes for a period not... financial strength, stability, durability and liquidity as reflected in its corporate credit ratings and...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2013 CFR

2013-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2011 CFR

2011-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2010 CFR

2010-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

42 CFR 57.213a - Loan cancellation reimbursement.

Code of Federal Regulations, 2014 CFR

2014-10-01

... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

75 FR 52429 - Guaranteed Single Family Housing Loans

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-26

... other than foreclosure is recommended to resolve the delinquency. Use of special loan servicing does not... weekly in its Statistical Release H.15. This default maximum allowable interest rate is determined using... weekly in its Statistical Release H.15. * * * * * Mortgage payment to income ratio. This ratio is defined...

7 CFR 1951.711 - Servicing options in lieu of liquidation or legal action to collect.

Code of Federal Regulations, 2010 CFR

2010-01-01

... COLLECTIONS Servicing Cases Where Unauthorized Loan(s) or Other Financial Assistance Was Received-Community... financial capabilities, the case will be serviced according to one of the following, as appropriate. (1... the present market interest rate, whichever is greater, for the respective Community and Business...

17 CFR 229.1111 - (Item 1111) Pool assets.

Code of Federal Regulations, 2011 CFR

2011-04-01

... pool assets. (7) If a loan or similar receivable: (i) Amortization period. (ii) Loan purpose (e.g... for commercial mortgages). (8) If a receivable or other financial asset that arises under a revolving account, such as a credit card receivable: (i) Monthly payment rate. (ii) Maximum credit lines. (iii...

17 CFR 229.1111 - (Item 1111) Pool assets.

Code of Federal Regulations, 2014 CFR

2014-04-01

... pool assets. (7) If a loan or similar receivable: (i) Amortization period. (ii) Loan purpose (e.g... for commercial mortgages). (8) If a receivable or other financial asset that arises under a revolving account, such as a credit card receivable: (i) Monthly payment rate. (ii) Maximum credit lines. (iii...

17 CFR 229.1111 - (Item 1111) Pool assets.

Code of Federal Regulations, 2013 CFR

2013-04-01

... pool assets. (7) If a loan or similar receivable: (i) Amortization period. (ii) Loan purpose (e.g... for commercial mortgages). (8) If a receivable or other financial asset that arises under a revolving account, such as a credit card receivable: (i) Monthly payment rate. (ii) Maximum credit lines. (iii...

17 CFR 229.1111 - (Item 1111) Pool assets.

Code of Federal Regulations, 2012 CFR

2012-04-01

... pool assets. (7) If a loan or similar receivable: (i) Amortization period. (ii) Loan purpose (e.g... for commercial mortgages). (8) If a receivable or other financial asset that arises under a revolving account, such as a credit card receivable: (i) Monthly payment rate. (ii) Maximum credit lines. (iii...

34 CFR 601.10 - Preferred lender arrangement disclosures.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Loan (FFEL) Program from any eligible lender the student selects; and (2) On such covered institution's... interest rates, or other terms and conditions or provisions of Title IV, HEA program loans or private... loyalty to compile the preferred lender list under paragraph (d) of this section without prejudice and for...

Changing Workloads and Productivity in Interlibrary Loan.

ERIC Educational Resources Information Center

Paine, Nancy E.; Ward, John

1996-01-01

Compares interlibrary loan data from a 1995 survey of Greater Midwest Research Library Consortium and Association of Research Libraries members with a 1989 survey. Shows an increase in transaction to staff ratio and a negative correlation between transaction to staff ratio and lending fill rate. Relates factors affecting productivity, such as…

7 CFR 1962.34 - Transfer of chattel security and EO property and assumption of debts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Food Security Act of 1985 (Pub. L. 99-198) after December 23, 1985, if a loan is being transferred and... closing. If the applicant does not indicate a choice, the loan will be closed at the rate in effect at the...

Student Loans, Financial Stress, and College Student Retention

ERIC Educational Resources Information Center

Britt, Sonya L.; Ammerman, David Allen; Barrett, Sarah F.; Jones, Scott

2017-01-01

This study examined a sample of 2,475 undergraduate students to determine the influence of financial stress, debt loads, and financial counseling on retention rates. Results indicate, among other findings, that financial stress contributes to an increased likelihood of discontinuing college. Self-reported student loan debt contributes to an…

13 CFR 120.434 - What are SBA's requirements for loan pledges?

Code of Federal Regulations, 2010 CFR

2010-01-01

... satisfactory SBA performance, as determined by SBA in its discretion. The Lender's Risk Rating, among other factors, will be considered in determining satisfactory SBA performance. Other factors may include, but...); (d) All loan documents must be satisfactory to SBA and must include a multi-party agreement among SBA...

7 CFR 1427.160 - Applicability.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... (a) This subpart is applicable to the 2008 through 2012 crops of upland and extra long staple seed... for upland cotton and the national average loan rate for extra long staple cotton. (c) A producer must...) Loans shall not be available for seed cotton produced on land owned or otherwise in the possession of...

The Mortgage Money Guide. Creative Financing for Home Buyers. Updated Edition.

ERIC Educational Resources Information Center

Federal Trade Commission, Washington, DC.

This guide to creative home financing outlines basic concepts needed in shopping for a home loan. Many plans are described so that buyers can make their own decisions. The guide contains three sections: (1) getting started--highlighting the essentials; (2) defining terms; and (3) payment tables. The first section summarizes 15 financing plans in a…

BASIC Simulation Programs; Volumes V and VI. Social Studies, Teacher Assistance.

ERIC Educational Resources Information Center

Digital Equipment Corp., Maynard, MA.

Five computer programs which teach concepts and processes related to social studies (in the main, economics) are presented. The subjects of the programs are the distinction between balance of trade and balance of payments; installment buying, loan payments, and savings accounts; flow of goods, services, and money between business and the consumer;…

Assessing the U.S. Financial Aid System: What We Know, What We Need To Know.

ERIC Educational Resources Information Center

Kane, Thomas J.

2001-01-01

Explores the need for the higher education community to rethink the structure of higher education finance from its basic foundations. Suggests that future research focus on how the method of delivery of public subsidies--across-the-board subsidies, in-school interest subsidies on student loans, or Pell Grants--influences their effectiveness for…