31 CFR 357.27 - Reinvestment.

Code of Federal Regulations, 2013 CFR

2013-07-01

... AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT...) Treasury bills. A request by an owner for a single or successive reinvestment of a Treasury bill must be... the original bill, or by a subsequent transaction request received not less than ten (10) business...

31 CFR 357.27 - Reinvestment.

Code of Federal Regulations, 2011 CFR

2011-07-01

... AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT...) Treasury bills. A request by an owner for a single or successive reinvestment of a Treasury bill must be... the original bill, or by a subsequent transaction request received not less than ten (10) business...

31 CFR 357.27 - Reinvestment.

Code of Federal Regulations, 2012 CFR

2012-07-01

... AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT...) Treasury bills. A request by an owner for a single or successive reinvestment of a Treasury bill must be... the original bill, or by a subsequent transaction request received not less than ten (10) business...

31 CFR 351.61 - What are the denominations and prices of book-entry Series EE savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... of book-entry Series EE savings bonds? 351.61 Section 351.61 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.61 What are the denominations and prices of book-entry Series EE savings bonds? Book-entry bonds are...

31 CFR 351.61 - What are the denominations and prices of book-entry Series EE savings bonds?

Code of Federal Regulations, 2010 CFR

2010-07-01

... of book-entry Series EE savings bonds? 351.61 Section 351.61 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.61 What are the denominations and prices of book-entry Series EE savings bonds? Book-entry bonds are...

31 CFR 359.47 - How is payment made for purchases of book-entry Series I savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... book-entry Series I savings bonds? 359.47 Section 359.47 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES I Book-Entry Series I Savings Bonds § 359.47 How is payment made for purchases of book-entry Series I savings bonds? You may only purchase book-entry...

31 CFR 351.62 - How is payment made for purchases of book-entry Series EE savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... book-entry Series EE savings bonds? 351.62 Section 351.62 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.62 How is payment made for purchases of book-entry Series EE savings bonds? You may only purchase book-entry...

31 CFR 359.46 - What are the denominations and prices of book-entry Series I savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... of book-entry Series I savings bonds? 359.46 Section 359.46 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES I Book-Entry Series I Savings Bonds § 359.46 What are the denominations and prices of book-entry Series I savings bonds? Book-entry bonds are issued in...

31 CFR 351.62 - How is payment made for purchases of book-entry Series EE savings bonds?

Code of Federal Regulations, 2010 CFR

2010-07-01

... book-entry Series EE savings bonds? 351.62 Section 351.62 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.62 How is payment made for purchases of book-entry Series EE savings bonds? You may only purchase book-entry...

31 CFR 357.27 - Reinvestment.

Code of Federal Regulations, 2014 CFR

2014-07-01

..., NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT...) Treasury bills. A request by an owner for a single or successive reinvestment of a Treasury bill must be... the original bill, or by a subsequent transaction request received not less than ten (10) business...

31 CFR 357.28 - Transaction requests.

Code of Federal Regulations, 2013 CFR

2013-07-01

... BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY..., or the death of the ward. See § 357.21(b)(4). (c) Representatives—(1) General. Any representative of...) General. A voluntary representative is a person qualified according to paragraph (c)(5)(iii) of this...

31 CFR 357.28 - Transaction requests.

Code of Federal Regulations, 2012 CFR

2012-07-01

... BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY..., or the death of the ward. See § 357.21(b)(4). (c) Representatives—(1) General. Any representative of...) General. A voluntary representative is a person qualified according to paragraph (c)(5)(iii) of this...

31 CFR 357.28 - Transaction requests.

Code of Federal Regulations, 2014 CFR

2014-07-01

... BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY..., or the death of the ward. See § 357.21(b)(4). (c) Representatives—(1) General. Any representative of...) General. A voluntary representative is a person qualified according to paragraph (c)(5)(iii) of this...

31 CFR 357.28 - Transaction requests.

Code of Federal Regulations, 2011 CFR

2011-07-01

... BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY..., or the death of the ward. See § 357.21(b)(4). (c) Representatives—(1) General. Any representative of...) General. A voluntary representative is a person qualified according to paragraph (c)(5)(iii) of this...

31 CFR 354.7 - Withdrawal of eligible Book-entry Sallie Mae Securities for conversion to definitive form.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Withdrawal of eligible Book-entry... PUBLIC DEBT REGULATIONS GOVERNING BOOK-ENTRY SECURITIES OF THE STUDENT LOAN MARKETING ASSOCIATION (SALLIE MAE) § 354.7 Withdrawal of eligible Book-entry Sallie Mae Securities for conversion to definitive form...

31 CFR 357.10 - Laws governing a Treasury book-entry security, TRADES, and security interests or entitlements.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Laws governing a Treasury book-entry... PUBLIC DEBT REGULATIONS GOVERNING BOOK-ENTRY TREASURY BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE... (TRADES) § 357.10 Laws governing a Treasury book-entry security, TRADES, and security interests or...

31 CFR 359.55 - How are redemption values calculated for book-entry Series I savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... for book-entry Series I savings bonds? 359.55 Section 359.55 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES I Book-Entry Series I Savings Bonds § 359.55 How are redemption values calculated for book-entry Series I savings bonds? We base current redemption...

31 CFR 351.70 - How are redemption values calculated for book-entry Series EE savings bonds?

Code of Federal Regulations, 2010 CFR

2010-07-01

... for book-entry Series EE savings bonds? 351.70 Section 351.70 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.70 How are redemption values calculated for book-entry Series EE savings bonds? We base current redemption...

39 CFR 761.8 - Servicing book-entry Postal Service securities; payment of interest, payment at maturity or upon...

Code of Federal Regulations, 2010 CFR

2010-07-01

... 39 Postal Service 1 2010-07-01 2010-07-01 false Servicing book-entry Postal Service securities... POSTAL SERVICE POSTAL SERVICE DEBT OBLIGATIONS; DISBURSEMENT POSTAL MONEY ORDERS BOOK-ENTRY PROCEDURES § 761.8 Servicing book-entry Postal Service securities; payment of interest, payment at maturity or upon...

39 CFR 761.8 - Servicing book-entry Postal Service securities; payment of interest, payment at maturity or upon...

Code of Federal Regulations, 2012 CFR

2012-07-01

... 39 Postal Service 1 2012-07-01 2012-07-01 false Servicing book-entry Postal Service securities... POSTAL SERVICE POSTAL SERVICE DEBT OBLIGATIONS; DISBURSEMENT POSTAL MONEY ORDERS BOOK-ENTRY PROCEDURES § 761.8 Servicing book-entry Postal Service securities; payment of interest, payment at maturity or upon...

39 CFR 761.8 - Servicing book-entry Postal Service securities; payment of interest, payment at maturity or upon...

Code of Federal Regulations, 2014 CFR

2014-07-01

... 39 Postal Service 1 2014-07-01 2014-07-01 false Servicing book-entry Postal Service securities... POSTAL SERVICE POSTAL SERVICE DEBT OBLIGATIONS; DISBURSEMENT POSTAL MONEY ORDERS BOOK-ENTRY PROCEDURES § 761.8 Servicing book-entry Postal Service securities; payment of interest, payment at maturity or upon...

31 CFR 351.70 - How are redemption values calculated for book-entry Series EE savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... for book-entry Series EE savings bonds? 351.70 Section 351.70 Money and Finance: Treasury Regulations... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.70 How are redemption values calculated for book-entry Series EE savings bonds? We base current redemption...

31 CFR 363.95 - How may I give, and who can receive, a book-entry savings bond as a gift?

Code of Federal Regulations, 2010 CFR

2010-07-01

... may give a book-entry savings bond as a gift in two ways: (a) An individual may purchase a book-entry..., a book-entry savings bond as a gift? 363.95 Section 363.95 Money and Finance: Treasury Regulations... DEBT REGULATIONS GOVERNING SECURITIES HELD IN TREASURYDIRECT Book-Entry Savings Bonds Purchased Through...

31 CFR 357.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-07-01

... BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT General... the claimant for another Person to hold, transfer, or deal with the Security. Bill means an obligation... an entity described in section 19(b)(1)(A)(i)-(vi) of the Federal Reserve Act (12 U.S.C. 461(b)(1)(A...

31 CFR 357.26 - Direct Deposit.

Code of Federal Regulations, 2011 CFR

2011-07-01

... AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT... least one name that is common to both. (c) Inquiry to financial institution. Where the deposit account...) [51 FR 18265, May 16, 1986, as amended at 57 FR 38774, Aug. 27, 1992; 61 FR 6113, Feb. 16, 1996; 64 FR...

31 CFR 357.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT General... the claimant for another Person to hold, transfer, or deal with the Security. Bill means an obligation... an entity described in section 19(b)(1)(A)(i)-(vi) of the Federal Reserve Act (12 U.S.C. 461(b)(1)(A...

31 CFR 357.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-07-01

..., NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT... the rights of the claimant for another Person to hold, transfer, or deal with the Security. Bill means... means an entity described in section 19(b)(1)(A)(i)-(vi) of the Federal Reserve Act (12 U.S.C. 461(b)(1...

31 CFR 357.26 - Direct Deposit.

Code of Federal Regulations, 2013 CFR

2013-07-01

... AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT... least one name that is common to both. (c) Inquiry to financial institution. Where the deposit account...) [51 FR 18265, May 16, 1986, as amended at 57 FR 38774, Aug. 27, 1992; 61 FR 6113, Feb. 16, 1996; 64 FR...

31 CFR 357.26 - Direct Deposit.

Code of Federal Regulations, 2012 CFR

2012-07-01

... AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT... least one name that is common to both. (c) Inquiry to financial institution. Where the deposit account...) [51 FR 18265, May 16, 1986, as amended at 57 FR 38774, Aug. 27, 1992; 61 FR 6113, Feb. 16, 1996; 64 FR...

31 CFR 357.26 - Direct Deposit.

Code of Federal Regulations, 2014 CFR

2014-07-01

..., NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY SYSTEM (TRADES) AND LEGACY TREASURY DIRECT... least one name that is common to both. (c) Inquiry to financial institution. Where the deposit account...) [51 FR 18265, May 16, 1986, as amended at 57 FR 38774, Aug. 27, 1992; 61 FR 6113, Feb. 16, 1996; 64 FR...

31 CFR 357.12 - A Participant's Security Entitlement.

Code of Federal Regulations, 2010 CFR

2010-07-01

... TREASURY BONDS, NOTES AND BILLS HELD IN LEGACY TREASURY DIRECT Treasury/Reserve Automated Debt Entry System... statute, regulation, or agreement) it is created; it is perfected; and it has priority over any other... regulation, or (ii) To the extent set forth in any specific agreement with the Federal Reserve Bank on whose...

31 CFR 358.6 - What is the procedure for converting bearer corpora and detached bearer coupons to book-entry?

Code of Federal Regulations, 2011 CFR

2011-07-01

... bearer corpora and detached bearer coupons to book-entry? 358.6 Section 358.6 Money and Finance: Treasury... PUBLIC DEBT REGULATIONS GOVERNING BOOK-ENTRY CONVERSION OF BEARER CORPORA AND DETACHED BEARER COUPONS § 358.6 What is the procedure for converting bearer corpora and detached bearer coupons to book-entry...

31 CFR 351.63 - How are redemption payments made for my redeemed book-entry Series EE savings bonds?

Code of Federal Regulations, 2010 CFR

2010-07-01

... my redeemed book-entry Series EE savings bonds? 351.63 Section 351.63 Money and Finance: Treasury... PUBLIC DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.63 How are redemption payments made for my redeemed book-entry Series EE savings bonds? We will make...

31 CFR 359.48 - How are redemption payments made for my redeemed book-entry Series I savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... my redeemed book-entry Series I savings bonds? 359.48 Section 359.48 Money and Finance: Treasury... PUBLIC DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES I Book-Entry Series I Savings Bonds § 359.48 How are redemption payments made for my redeemed book-entry Series I savings bonds? We will make...

31 CFR 351.63 - How are redemption payments made for my redeemed book-entry Series EE savings bonds?

Code of Federal Regulations, 2011 CFR

2011-07-01

... my redeemed book-entry Series EE savings bonds? 351.63 Section 351.63 Money and Finance: Treasury... PUBLIC DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.63 How are redemption payments made for my redeemed book-entry Series EE savings bonds? We will make...

31 CFR 351.66 - What book-entry Series EE savings bonds are included in the computation?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false What book-entry Series EE savings... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.66 What book-entry Series EE savings bonds are included in the computation? (a) We include all bonds that...

31 CFR 351.66 - What book-entry Series EE savings bonds are included in the computation?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false What book-entry Series EE savings... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.66 What book-entry Series EE savings bonds are included in the computation? (a) We include all bonds that...

76 FR 11079 - Sale and Issue of Marketable Book-Entry Treasury Bills, Notes, and Bonds; Minimum Interest Rate

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-01

... of the Treasury Circular, Public Debt Series No. 1-93] Sale and Issue of Marketable Book-Entry... CFR 356.20(b) of the Uniform Offering Circular for the Sale and Issue of Marketable Book-Entry... conditions for the sale and issuance by the Treasury to the public of marketable book-entry Treasury bills...

31 CFR 359.50 - What amount of book-entry Series I savings bonds may I acquire per year?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false What amount of book-entry Series I... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES I Book-Entry Series I Savings Bonds § 359.50 What amount of book-entry Series I savings bonds may I acquire per year? The principal amount of book-entry...

31 CFR 359.51 - What book-entry Series I savings bonds are included in the computation?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false What book-entry Series I savings bonds... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES I Book-Entry Series I Savings Bonds § 359.51 What book-entry Series I savings bonds are included in the computation? (a) We include all bonds that you...

31 CFR 351.65 - What amount of book-entry Series EE savings bonds may I acquire per year?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false What amount of book-entry Series EE... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.65 What amount of book-entry Series EE savings bonds may I acquire per year? The principal amount of book...

31 CFR 351.65 - What amount of book-entry Series EE savings bonds may I acquire per year?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false What amount of book-entry Series EE... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.65 What amount of book-entry Series EE savings bonds may I acquire per year? The principal amount of book...

What is the financial state of medical students from rural backgrounds during tuition fee deregulation?

PubMed

Woloschuk, Wayne; Lemay, Jean-François; Wright, Bruce

2010-01-01

We sought to examine the financial state of medical students from rural backgrounds during a time of tuition fee deregulation. We surveyed incoming classes from 2007 to 2011 at the University of Calgary. Community background, expected educational debt at graduation, educational debt at entry to medical school and parental income were collected for analysis. Data were analyzed using the Χ² test, analysis of variance and the Newman-Keuls multiple comparison test. The overall response rate was 95.3%. Of the 571 (93.5%) respondents who supplied data on their background and debt, 94.4% expected to have educational debt at graduation. The mean projected educational debt at graduation by medical students from both rural ($107 226 [95% confidence interval (CI) $98 030-$116 423]) and regional ($99 456 [95% CI $91 905-$107 006]) backgrounds was significantly greater than the debt projected by students from metropolitan ($88 565 [95% CI $83 607-$93 524]) backgrounds. Medical students who came from rural backgrounds had the highest mean debt at entry to medical school ($33 053 [95% CI $25 715-$40 391]) compared with their peers from regional ($23 253 [95% CI $16 621-$29 885]) and metropolitan ($22 053 [95% CI $17 344-$26 762]) backgrounds. Students of rural origin also had parents whose mean income ($104 024 [95% CI $75 976-$132 173]) was significantly lower than the mean parental income of their peers who originated from regional ($143 167 [95% CI $119 898-$166 435]) and metropolitan ($150 339 [95% CI $135 241-165 438]) centres. Rising tuition and subsequent debt may be affecting the diversity of medical students' backgrounds. Financial programs dedicated to rural-background students and their interest in medicine may become necessary.

31 CFR 357.13 - Obligations of the United States and the Federal Reserve Banks with respect to Book-entry...

Code of Federal Regulations, 2010 CFR

2010-07-01

... the Federal Reserve Banks with respect to Book-entry Securities and security interests. 357.13 Section... SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT REGULATIONS GOVERNING BOOK-ENTRY TREASURY... (TRADES) § 357.13 Obligations of the United States and the Federal Reserve Banks with respect to Book...

31 CFR 363.208 - Can I transfer my marketable Treasury security from my TreasuryDirect ® account to an account in...

Code of Federal Regulations, 2010 CFR

2010-07-01

... security from my TreasuryDirect ® account to an account in another book-entry system? 363.208 Section 363..., DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT REGULATIONS GOVERNING SECURITIES HELD IN TREASURYDIRECT Marketable Treasury Securities § 363.208 Can I transfer my marketable Treasury security from my Treasury...

31 CFR 370.21 - Are there any requirements related to a prenotification entry?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Are there any requirements related to a prenotification entry? 370.21 Section 370.21 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 370.8 - Are there any requirements related to a prenotification entry?

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 2 2012-07-01 2012-07-01 false Are there any requirements related to a prenotification entry? 370.8 Section 370.8 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 370.21 - Are there any requirements related to a prenotification entry?

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 2 2012-07-01 2012-07-01 false Are there any requirements related to a prenotification entry? 370.21 Section 370.21 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 370.8 - Are there any requirements related to a prenotification entry?

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 2 2013-07-01 2013-07-01 false Are there any requirements related to a prenotification entry? 370.8 Section 370.8 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 370.21 - Are there any requirements related to a prenotification entry?

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 2 2013-07-01 2013-07-01 false Are there any requirements related to a prenotification entry? 370.21 Section 370.21 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 370.8 - Are there any requirements related to a prenotification entry?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Are there any requirements related to a prenotification entry? 370.8 Section 370.8 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 357.24 - Availability and disclosure of Legacy Treasury Direct ® records.

Code of Federal Regulations, 2012 CFR

2012-07-01

... REGULATIONS GOVERNING BOOK-ENTRY TREASURY BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY... Privacy Act (5 U.S.C. 552a), information relating to those accounts will be released only to the owner...) Sufficient information is provided to identify the Legacy Treasury Direct account. (c) Conditions for release...

31 CFR 357.24 - Availability and disclosure of Legacy Treasury Direct ® records.

Code of Federal Regulations, 2013 CFR

2013-07-01

... REGULATIONS GOVERNING BOOK-ENTRY TREASURY BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY... Privacy Act (5 U.S.C. 552a), information relating to those accounts will be released only to the owner...) Sufficient information is provided to identify the Legacy Treasury Direct account. (c) Conditions for release...

31 CFR 357.24 - Availability and disclosure of Legacy Treasury Direct ® records.

Code of Federal Regulations, 2011 CFR

2011-07-01

... REGULATIONS GOVERNING BOOK-ENTRY TREASURY BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY... Privacy Act (5 U.S.C. 552a), information relating to those accounts will be released only to the owner...) Sufficient information is provided to identify the Legacy Treasury Direct account. (c) Conditions for release...

31 CFR 357.24 - Availability and disclosure of Legacy Treasury Direct ® records.

Code of Federal Regulations, 2014 CFR

2014-07-01

... REGULATIONS GOVERNING BOOK-ENTRY TREASURY BONDS, NOTES AND BILLS HELD IN TREASURY/RESERVE AUTOMATED DEBT ENTRY... Privacy Act (5 U.S.C. 552a), information relating to those accounts will be released only to the owner...) Sufficient information is provided to identify the Legacy Treasury Direct account. (c) Conditions for release...

Medical students and debt: a survey of students at the School of Medicine, University of Auckland.

PubMed

Collins, M G

1999-04-09

To assess the extent of Auckland medical students' debt, the types of debt accrued and to establish data on part-time employment, income, parental support and living circumstances for these students. Medical students at the University of Auckland were asked to complete a written survey questionnaire, which was distributed in lecture classes for years 1-5 and by mail for year 6. The questionnaire asked about biographical data, types and amounts of debt, the use of student loan scheme money, employment, income, student allowances, parental financial support and living situation. Students not sent the survey by mail were informed about the survey several days prior to receiving it to enable them to collate the necessary financial information. Data entry was completed via an electronic scanning system and questionnaire responses were analysed using a tabular analysis of the various classes. There were 522 responses received, comprising 73% of students (48% male, 52% female). The major source of debt was to the Government student loan scheme (39% of students in year 1, rising to 75% in year 6). Average (median) debt to the Government loan scheme rises from $5000 in year 1 to $26,000 in year 6. Fourteen per cent of students receive a targeted student allowance and 30% have a part-time job. Average summer vacation earnings do not exceed $4000. Thirty-four percent receive no financial support from their parents and 18% receive support with some costs only. With the exceptions of students in year 1, more than 50% of students live away from home. Medical students are predominantly in debt to the Government student loan scheme and the level rises by approximately $5000 per year from year 1 to year 6. It is expected that these levels will increase in the future.

31 CFR 359.49 - What is the issue date of a book-entry Series I savings bond?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false What is the issue date of a book-entry Series I savings bond? 359.49 Section 359.49 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 370.6 - What requirements apply to a financial institution that handles a credit entry?

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 2 2012-07-01 2012-07-01 false What requirements apply to a financial institution that handles a credit entry? 370.6 Section 370.6 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 357.10 - Laws governing a Treasury book-entry security, TRADES, and security interests or entitlements.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Laws governing a Treasury book-entry security, TRADES, and security interests or entitlements. 357.10 Section 357.10 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT REGULATIONS...

31 CFR 357.10 - Laws governing a Treasury book-entry security, TRADES, and security interests or entitlements.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 2 2013-07-01 2013-07-01 false Laws governing a Treasury book-entry security, TRADES, and security interests or entitlements. 357.10 Section 357.10 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT REGULATIONS...

31 CFR 354.8 - Waiver of regulations.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT REGULATIONS GOVERNING BOOK-ENTRY SECURITIES OF THE... of unnecessary hardship, if such action is not inconsistent with law, does not adversely affect...

31 CFR 357.41 - Waiver of regulations.

Code of Federal Regulations, 2010 CFR

2010-07-01

... SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT REGULATIONS GOVERNING BOOK-ENTRY TREASURY... relieve any person(s) of unnecessary hardship, if such action is not inconsistent with law, does not...

31 CFR 359.56 - How can I find out what my book-entry Series I savings bonds are worth?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false How can I find out what my book-entry Series I savings bonds are worth? 359.56 Section 359.56 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

31 CFR 351.71 - How can I find out what my book-entry Series EE savings bonds are worth?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false How can I find out what my book-entry Series EE savings bonds are worth? 351.71 Section 351.71 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT...

47 CFR 1.2111 - Assignment or transfer of control: unjust enrichment.

Code of Federal Regulations, 2014 CFR

2014-10-01

... nonattributable equity investments, debt financing, revenue from operations or other investments, business... after restructuring or entry into a material relationship), plus interest based on the rate for ten year...

47 CFR 1.2111 - Assignment or transfer of control: unjust enrichment.

Code of Federal Regulations, 2013 CFR

2013-10-01

... nonattributable equity investments, debt financing, revenue from operations or other investments, business... after restructuring or entry into a material relationship), plus interest based on the rate for ten year...

47 CFR 1.2111 - Assignment or transfer of control: unjust enrichment.

Code of Federal Regulations, 2012 CFR

2012-10-01

... nonattributable equity investments, debt financing, revenue from operations or other investments, business... after restructuring or entry into a material relationship), plus interest based on the rate for ten year...

Debt crisis ahead for Irish medical students.

PubMed

Haugh, C; Doyle, B; O'Flynn, S

2014-06-01

Internationally medical student debt is a cause of concern. A survey of medical students in UCC (response rate of 191 representing 35% of the EU student cohort) reveals that 34 (26%) of direct entry medicine (DEM) students and 36 (61%) graduate entrants (GEM) have a loan with an anticipated average debt of Euro17,300 and Euro80,000 on graduation respectively. Fifty-three (90%) graduate entrants and 75 (57%) direct entrants revealed that they often worry about their current financial situation. Fifty-three (28%) of students have a part-time job and many were concerned about the degree to which this conflicted with their academic workload. 118 (89%) of school leavers and 48 (81%) graduates received financial assistance from their families to fund their college expenses. Student responses recommended the introduction of a government supported low interest rate loan and other incentives to help service high levels of debt associated with medical education.

Costs of a medical education: comparison with graduate education in law and business.

PubMed

Kerr, Jason R; Brown, Jeffrey J

2006-02-01

The costs of graduate school education are climbing, particularly within the fields of medicine, law, and business. Data on graduate level tuition, educational debt, and starting salaries for medical school, law school, and business school graduates were collected directly from universities and from a wide range of published reports and surveys. Medical school tuition and educational debt levels have risen faster than the rate of inflation over the past decade. Medical school graduates have longer training periods and lower starting salaries than law school and business school graduates, although physician salaries rise after completion of post-graduate education. Faced with an early debt burden and delayed entry into the work force, careful planning is required for medical school graduates to pay off their loans and save for retirement.

31 CFR 351.9 - When will I receive the redemption value of my Series EE savings bonds?

Code of Federal Regulations, 2010 CFR

2010-07-01

... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Maturities, Redemption Values, and Investment... will be paid the redemption value of your book-entry bond when it reaches final maturity, if you have...

Financing physical therapy doctoral education: methods used by entry-level students and the financial impact after graduation.

PubMed

Thompson, Kris; Coon, Jill; Handford, Leandrea

2011-01-01

With the move to the doctor of physical therapy (DPT) degree and increasing tuition costs, there is concern about financing entry-level education. The purposes of this study were to identify how students finance their DPT education and to describe the financial impact after graduation. A written survey was used to collect data on financing DPT education, student debt, and the financial impact on graduates. There were 92 subjects who had graduated from one program. Frequencies as well as nonparametric statistics using cross-tabulations and chi-squared statistics were calculated. The response rate was 55%. Of the respondents, 86% had student loans, 66% worked during school, 57% received some family assistance, and 21% had some scholarship support. The amount of monthly loan repayment was not statistically related to the ability to save for a house, the ability to obtain a loan for a house or car, or the decision to have children. Saving for the future (p = 0.016) and lifestyle choices (p = 0.035) were related to the amount of monthly loan repayment. Major sources of funding were student loans, employment income, and/or family assistance. Respondent's ability to save for the future and lifestyle choices were negatively impacted when loan debt increased. Physical therapist education programs should consider offering debt planning and counseling.

39 CFR 761.2 - Authority of Reserve Banks.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 39 Postal Service 1 2010-07-01 2010-07-01 false Authority of Reserve Banks. 761.2 Section 761.2 Postal Service UNITED STATES POSTAL SERVICE POSTAL SERVICE DEBT OBLIGATIONS; DISBURSEMENT POSTAL MONEY ORDERS BOOK-ENTRY PROCEDURES § 761.2 Authority of Reserve Banks. Each Reserve Bank is hereby authorized...

39 CFR 761.2 - Authority of Reserve Banks.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 39 Postal Service 1 2011-07-01 2011-07-01 false Authority of Reserve Banks. 761.2 Section 761.2 Postal Service UNITED STATES POSTAL SERVICE POSTAL SERVICE DEBT OBLIGATIONS; DISBURSEMENT POSTAL MONEY ORDERS BOOK-ENTRY PROCEDURES § 761.2 Authority of Reserve Banks. Each Reserve Bank is hereby authorized...

31 CFR 356.15 - What rules apply to bids submitted by investment advisers?

Code of Federal Regulations, 2010 CFR

2010-07-01

... investment advisers? 356.15 Section 356.15 Money and Finance: Treasury Regulations Relating to Money and... MARKETABLE BOOK-ENTRY TREASURY BILLS, NOTES, AND BONDS (DEPARTMENT OF THE TREASURY CIRCULAR, PUBLIC DEBT... investment advisers? (a) General. The auction rules that apply to investment advisers are determined by the...

Canadian dental students' perceptions of stress.

PubMed

Muirhead, Vanessa; Locker, David

2007-05-01

In this paper, we report the results of a survey on dental student stress carried out in April 2005. A questionnaire was used to collect data from 171 students (62% response rate). Identified stressors were academic, clinic-related, social and financial. "Examination and grades" produced the most academic stress, and inconsistent feedback from instructors created the most clinic-related stress. Students found that having a dual role--wife or husband and dental student--was the most burdensome social stressor. Approximately 60% of students reported marital problems and stress associated with "relations with members of the opposite sex." Survey results showed that students who expected a high graduating debt had higher total and academic stress scores. Total stress was not related to age, gender or marital status. Students living with parents during term time had significantly higher total stress scores than students living in other arrangements. Students residing with parents also had significantly higher debts on entry to dental school. Students with more predental education had (non-significantly) lower stress scores but also had higher student debts. Undergraduate subject major (biological science or non-science) had no bearing on reported stress. This study highlights the negative effects of student debt, the necessity for staff training and the need for further studies exploring relations among stress, psychological well-being and academic performance.

48 CFR 32.606 - Debt collection.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Debt collection. 32.606... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.606 Debt collection. (a) If the contractor has not liquidated the debt within 30 days of the date due or requested installment payments or deferment of collection...

48 CFR 2131.205-3 - Bad debts.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Bad debts. 2131.205-3 Section 2131.205-3 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT, FEDERAL... PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 2131.205-3 Bad debts. Erroneous benefit...

48 CFR 31.205-3 - Bad debts.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Bad debts. 31.205-3... REQUIREMENTS CONTRACT COST PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 31.205-3 Bad debts. Bad debts, including actual or estimated losses arising from uncollectible accounts receivable due...

Evaluating the underlying factors behind variable rate debt.

PubMed

McCue, Michael J; Kim, Tae Hyun Tanny

2007-01-01

Recent trends show a greater usage of variable rate debt among health care bond issues. In 2004, 63.4% of the total health care bonds issued were variable rate compared with 30.6% in 1995 (Fitch Ratings, 2005). The purpose of this study is to gain a better understanding of the underlying factors, credit spread, issue characteristics, and issuer factors behind why hospitals and health system borrowers select variable rate debt compared with fixed rate debt. From 2000 to 2004, this study sampled 230 newly issued tax-exempt bonds issued by acute care hospitals and health care systems that included both variable and fixed rate debt issues. Using a logistic regression model, hospitals with variable rate debt issues were assigned a value of 1, whereas hospitals with fixed rate debt issues were assigned a value of 0. This study found a positive association between bond insurance and variable rate debt and a negative association between callable feature and variable rate debt. Facilities located in certificate-of-need states that possessed higher case mix acuity, earned higher profit margins, generated higher debt service coverage, and held less debt were more likely to issue variable rate debt. Overall, hospital managers and board members of hospitals possessing a strong financial performance have an interest in utilizing variable rate debt to lower their cost of capital. In addition, this outcome may also reflect that investment bankers are doing a better job in educating senior hospital management about the interest rate savings benefit of variable rate compared with fixed rate debt.

48 CFR 1631.205-71 - FEHBP bad debts.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true FEHBP bad debts. 1631.205-71 Section 1631.205-71 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT FEDERAL... AND PROCEDURES Contracts With Commercial Organizations 1631.205-71 FEHBP bad debts. Erroneous benefit...

Yes, No, Maybe So: College Students' Attitudes Regarding Debt

ERIC Educational Resources Information Center

Zerquera, Desiree D.; McGowan, Brian L.; Ferguson, Tomika L.

2016-01-01

We examined college student attitudes regarding debt. Based on focus group interviews with 31 students from 4 different institutions within a Midwestern university system, data analysis yielded a continuum that captures students' debt approaches while enrolled in college. Findings indicate that students avoided debt completely, made intentional…

12 CFR 225.140 - Disposition of property acquired in satisfaction of debts previously contracted.

Code of Federal Regulations, 2010 CFR

2010-01-01

... satisfaction of debts previously contracted. 225.140 Section 225.140 Banks and Banking FEDERAL RESERVE SYSTEM... property acquired in satisfaction of debts previously contracted. (a) The Board recently considered the... acquiring and holding assets acquired in satisfaction of a debt previously contracted in good faith (a “dpc...

5 CFR 845.403 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... EMPLOYEES RETIREMENT SYSTEM-DEBT COLLECTION Agency Requests to OPM for Recovery of a Debt From the Civil... Act of 1966 as amended by the Debt Collection Act of 1982 and implemented by 4 CFR 101.1 et seq., the... Fund to satisfy a debt to the United States under 31 U.S.C. 3716. Agency means— (a) An Executive agency...

Prefrontal system dysfunction and credit card debt.

PubMed

Spinella, Marcello; Yang, Bijou; Lester, David

2004-10-01

Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

Debt to Degree: A New Way of Measuring College Success. Charts You Can Trust

ERIC Educational Resources Information Center

Carey, Kevin; Dillon, Erin

2011-01-01

The American higher education system is plagued by two chronic problems: dropouts and debt. Barely half of the students who start college get a degree within six years, and graduation rates at less-selective colleges often hover at 25 percent or less. At the same time, student loan debt is at an all-time high, recently passing credit card debt in…

Collaboration Strategies to Reduce Technical Debt

ERIC Educational Resources Information Center

Miko, Jeffrey Allen

2017-01-01

Inadequate software development collaboration processes can allow technical debt to accumulate increasing future maintenance costs and the chance of system failures. The purpose of this qualitative case study was to explore collaboration strategies software development leaders use to reduce the amount of technical debt created by software…

12 CFR 615.5502 - Issuance of global debt securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Issuance of global debt securities. 615.5502 Section 615.5502 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Global Debt Securities § 615.5502 Issuance...

77 FR 76356 - Disclosure to Investors in System-wide and Consolidated Bank Debt Obligations of the Farm Credit...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-28

... FARM CREDIT ADMINISTRATION 12 CFR Part 630 RIN 3052-AC77 Disclosure to Investors in System-wide and Consolidated Bank Debt Obligations of the Farm Credit System; System Audit Committee; Effective... Corporation System Audit Committee and the Farm Credit System annual report to investors. In accordance with...

77 FR 8179 - Disclosure to Investors in System-wide and Consolidated Bank Debt Obligations of the Farm Credit...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-14

... FARM CREDIT ADMINISTRATION 12 CFR Part 630 RIN 3052-AC77 Disclosure to Investors in System-wide and Consolidated Bank Debt Obligations of the Farm Credit System AGENCY: Farm Credit Administration...) System Audit Committee (SAC) and the Farm Credit System (System) annual report to investors. The proposed...

12 CFR 221.124 - Purchase of debt securities to finance corporate takeovers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Purchase of debt securities to finance corporate takeovers. (a) Petitions have been filed with the Board... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Purchase of debt securities to finance corporate takeovers. 221.124 Section 221.124 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

12 CFR 221.124 - Purchase of debt securities to finance corporate takeovers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Purchase of debt securities to finance corporate takeovers. (a) Petitions have been filed with the Board... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Purchase of debt securities to finance corporate takeovers. 221.124 Section 221.124 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

48 CFR 432.616 - Compromise actions.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Compromise actions. 432.616 Section 432.616 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Debts 432.616 Compromise actions. Compromise of a debt...

Rising levels of New Zealand medical student debt.

PubMed

Verstappen, Antonia; Poole, Phillippa

2017-06-16

There is little recent data on the debt levels accrued by New Zealand medical graduates. We aimed to quantify the level of student loan debt accrued by medical graduates upon completion of their medical degree, and to investigate the association of New Zealand Government Student Loan (GSL) debt with gender and age. At graduation each year from 2006-2015, students from one New Zealand medical programme were invited to complete a career intention survey that included information on levels of GSL debt and the number of income sources used. The overall response rate was 83.8%. On average, 92% of domestic students reported having some student loan debt, with 28% a debt of $90,000 or more. The proportion of students reporting a student loan debt of $90,000 or more increased over the period of the study (P<0.0001). While older students were more likely to have a larger student loan debt than younger students, there was no difference in debt levels by gender. Students with larger student loans were more likely to rely on a larger number of financial sources to fund their studies. New Zealand medical students are carrying higher levels of student loan debt year on year. The effect of this on the future medical workforce is not certain; however, this could be negative if graduates choose to enter careers that are more highly paid over areas of high need. The full impact of large loans on individuals and the health system will take years to determine.

12 CFR 615.5102 - Issuance of debt obligations through the Funding Corporation.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Issuance of Bonds.../liability management policies of the System institutions and the requirements of the market. The guidelines, priorities, and objectives shall be designed to ensure that the debt marketing responsibilities of the...

GENDER, DEBT, AND DROPPING OUT OF COLLEGE

PubMed Central

DWYER, RACHEL E.; HODSON, RANDY; MCLOUD, LAURA

2012-01-01

For many young Americans, access to credit has become critical to completing a college education and embarking on a successful career path. Young people increasingly face the trade-off of taking on debt to complete college or foregoing college and taking their chances in the labor market without a college degree. These trade-offs are gendered by differences in college preparation and support and by the different labor market opportunities women and men face that affect the value of a college degree and future difficulties they may face in repaying college debt. We examine these new realities by studying gender differences in the role of debt in the pivotal event of graduating from college using the 1997 cohort of the national longitudinal Survey of youth. In this article, we find that women and men both experience slowing and even diminishing probabilities of graduating when carrying high levels of debt, but that men drop out at lower levels of debt than do women. We conclude by theorizing that high levels of debt are one of the mechanisms that sort women and men into different positions in the social stratification system. PMID:23626403

GENDER, DEBT, AND DROPPING OUT OF COLLEGE.

PubMed

Dwyer, Rachel E; Hodson, Randy; McLoud, Laura

2013-02-01

For many young Americans, access to credit has become critical to completing a college education and embarking on a successful career path. Young people increasingly face the trade-off of taking on debt to complete college or foregoing college and taking their chances in the labor market without a college degree. These trade-offs are gendered by differences in college preparation and support and by the different labor market opportunities women and men face that affect the value of a college degree and future difficulties they may face in repaying college debt. We examine these new realities by studying gender differences in the role of debt in the pivotal event of graduating from college using the 1997 cohort of the national longitudinal Survey of youth. In this article, we find that women and men both experience slowing and even diminishing probabilities of graduating when carrying high levels of debt, but that men drop out at lower levels of debt than do women. We conclude by theorizing that high levels of debt are one of the mechanisms that sort women and men into different positions in the social stratification system.

48 CFR 52.232-36 - Payment by Third Party.

Code of Federal Regulations, 2014 CFR

2014-10-01

... during any period the System for Award Management (SAM) indicates that the Contractor has delinquent debt... at http://fms.treas.gov/debt/index.html. If the SAM subsequently indicates that the Contractor no...

48 CFR 52.232-36 - Payment by Third Party.

Code of Federal Regulations, 2013 CFR

2013-10-01

... during any period the System for Award Management (SAM) indicates that the Contractor has delinquent debt... at http://fms.treas.gov/debt/index.html. If the SAM subsequently indicates that the Contractor no...

Cascades in multiplex financial networks with debts of different seniority

NASA Astrophysics Data System (ADS)

Brummitt, Charles D.; Kobayashi, Teruyoshi

2015-06-01

The seniority of debt, which determines the order in which a bankrupt institution repays its debts, is an important and sometimes contentious feature of financial crises, yet its impact on systemwide stability is not well understood. We capture seniority of debt in a multiplex network, a graph of nodes connected by multiple types of edges. Here an edge between banks denotes a debt contract of a certain level of seniority. Next we study cascading default. There exist multiple kinds of bankruptcy, indexed by the highest level of seniority at which a bank cannot repay all its debts. Self-interested banks would prefer that all their loans be made at the most senior level. However, mixing debts of different seniority levels makes the system more stable in that it shrinks the set of network densities for which bankruptcies spread widely. We compute the optimal ratio of senior to junior debts, which we call the optimal seniority ratio, for two uncorrelated Erdős-Rényi networks. If institutions erode their buffer against insolvency, then this optimal seniority ratio rises; in other words, if default thresholds fall, then more loans should be senior. We generalize the analytical results to arbitrarily many levels of seniority and to heavy-tailed degree distributions.

Cascades in multiplex financial networks with debts of different seniority.

PubMed

Brummitt, Charles D; Kobayashi, Teruyoshi

2015-06-01

The seniority of debt, which determines the order in which a bankrupt institution repays its debts, is an important and sometimes contentious feature of financial crises, yet its impact on systemwide stability is not well understood. We capture seniority of debt in a multiplex network, a graph of nodes connected by multiple types of edges. Here an edge between banks denotes a debt contract of a certain level of seniority. Next we study cascading default. There exist multiple kinds of bankruptcy, indexed by the highest level of seniority at which a bank cannot repay all its debts. Self-interested banks would prefer that all their loans be made at the most senior level. However, mixing debts of different seniority levels makes the system more stable in that it shrinks the set of network densities for which bankruptcies spread widely. We compute the optimal ratio of senior to junior debts, which we call the optimal seniority ratio, for two uncorrelated Erdős-Rényi networks. If institutions erode their buffer against insolvency, then this optimal seniority ratio rises; in other words, if default thresholds fall, then more loans should be senior. We generalize the analytical results to arbitrarily many levels of seniority and to heavy-tailed degree distributions.

48 CFR 32.601 - General.

Code of Federal Regulations, 2010 CFR

2010-10-01

... costs related to defaults in performance. (10) Breach of contract obligations concerning progress....601 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Debts 32.601 General. (a) Contract debts are amounts that— (1) Have...

Sovereign public debt crisis in Europe. A network analysis

NASA Astrophysics Data System (ADS)

Matesanz, David; Ortega, Guillermo J.

2015-10-01

In this paper we analyse the evolving network structure of the quarterly public debt-to-GDP ratio from 2000 to 2014. By applying tools and concepts coming from complex systems we study the effects of the global financial crisis over public debt network connections and communities. Two main results arise from this analysis: firstly, countries public debts tend to synchronize their evolution, increasing global connectivity in the network and dramatically decreasing the number of communities. Secondly, a disruption in previous structure is observed at the time of the shock, emerging a more centralized and less diversify network topological organization which might be more prone to suffer contagion effects. This last fact is evidenced by an increasing tendency in countries of similar level of public debt to be connected between them, which we have quantified by the network assortativity.

Doing away with Debt: Using Existing Resources to Ensure College Affordability for Low and Middle-Income Families

ERIC Educational Resources Information Center

Dannenberg, Michael; Voight, Mamie

2013-01-01

America's college financial-aid system has helped millions of students obtain a postsecondary education, but the system's flaws are increasingly apparent. Growth in tuition and fees outpace available resources, particularly for students striving to rise out of poverty. Low- and middle-income students confront frightening levels of education debt.…

DebtRank-transparency: Controlling systemic risk in financial networks

PubMed Central

Thurner, Stefan; Poledna, Sebastian

2013-01-01

Nodes in a financial network, such as banks, cannot assess the true risks associated with lending to other nodes in the network, unless they have full information on the riskiness of all other nodes. These risks can be estimated by using network metrics (as DebtRank) of the interbank liability network. With a simple agent based model we show that systemic risk in financial networks can be drastically reduced by increasing transparency, i.e. making the DebtRank of individual banks visible to others, and by imposing a rule, that reduces interbank borrowing from systemically risky nodes. This scheme does not reduce the efficiency of the financial network, but fosters a more homogeneous risk-distribution within the system in a self-organized critical way. The reduction of systemic risk is due to a massive reduction of cascading failures in the transparent system. A regulation-policy implementation of the proposed scheme is discussed. PMID:23712454

12 CFR 615.5500 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Global Debt Securities § 615.5500 Definitions. In this subpart, unless the context otherwise requires or indicates: (a) Global debt securities means consolidated...

Measuring the default risk of sovereign debt from the perspective of network

NASA Astrophysics Data System (ADS)

Chuang, Hongwei; Ho, Hwai-Chung

2013-05-01

Recently, there has been a growing interest in network research, especially in the fields of biology, computer science, and sociology. It is natural to address complex financial issues such as the European sovereign debt crisis from the perspective of network. In this article, we construct a network model according to the debt-credit relations instead of using the conventional methodology to measure the default risk. Based on the model, a risk index is examined using the quarterly report of consolidated foreign claims from the Bank for International Settlements (BIS) and debt/GDP ratios among these reporting countries. The empirical results show that this index can help the regulators and practitioners not only to determine the status of interconnectivity but also to point out the degree of the sovereign debt default risk. Our approach sheds new light on the investigation of quantifying the systemic risk.

Crowdsourced Microfinance for Energy Efficiency in Underserved Communities

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

Baird, Donnel; Cox, Morris; Harmarneh, Sarey

BlocPower’s mission is to provide access to energy efficiency financing for underserved communities across the United States. This project, “Crowdsourced Microfinance for Energy Efficiency in Underserved Communities,” is an extension of that goal and is grounded in the principles of providing engineering and financing services to those in need. The project is based on the creation of a BlocPower Marketplace as a central hub for connecting shovel-ready green buildings to institutional investors. This ‘connection’ entails using online crowdfunding to aggregate debt and equity capital from institutional investors to connect to customers (building owners) across various financial portfolios. BlocPower Marketplace ismore » intended to bring social, environmental, and financial returns to investors while also decreasing investor risk by loaning out funds for energy installations in individual buildings. In detail, the intended benefits of crowdsourcing are two-sided. Firstly, for building owners, clean energy retrofit installations improve building operations, reduce utility costs, and reduce harmful impacts to their surrounding environment. Secondly, for institutional investors, they gain access to a new market of energy efficiency and are able to provide debt or equity capital with high financial returns. This gives investors the opportunity to create social and environmental impact in communities around the country as well. With this in mind, BlocPower designed the marketplace to specifically answer exploratory research questions with respect to the pricing of energy financing. Institutional investors typically charge high rates on project financing solutions in the energy space, particularly in low and middle-income communities, because of fears that required debt service will not be made. This makes access to energy capital exorbitantly difficult for those that need it the most. Through this project, BlocPower tested investor appetite to determine if crowdsourcing would lower prices and subsequently lower barriers to entry for underserved communities’ access to energy capital. BlocPower’s results in this project were extremely informative for the industry. The project demonstrates that the marketplace is a scalable tool to help overcome barriers to entry for small building owners in underserved communities to access energy efficiency financing, but that crowdfunding by itself does not necessarily lower interest rates and make energy efficiency projects feasible. For that, we need a repayment mechanism that lowers perceived risk. That mechanism is on bill repayment.« less

5 CFR 845.402 - Scope.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Scope. 845.402 Section 845.402 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEBT COLLECTION Agency Requests to OPM for Recovery of a Debt From the Civil...

5 CFR 845.402 - Scope.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Scope. 845.402 Section 845.402 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEBT COLLECTION Agency Requests to OPM for Recovery of a Debt From the Civil...

5 CFR 845.402 - Scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Scope. 845.402 Section 845.402 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEBT COLLECTION Agency Requests to OPM for Recovery of a Debt From the Civil...

5 CFR 845.402 - Scope.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Scope. 845.402 Section 845.402 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEBT COLLECTION Agency Requests to OPM for Recovery of a Debt From the Civil...

48 CFR 2131.205-3 - Bad debts.

Code of Federal Regulations, 2010 CFR

2010-10-01

... Section 2131.205-3 Federal Acquisition Regulations System OFFICE OF PERSONNEL MANAGEMENT, FEDERAL... PRINCIPLES AND PROCEDURES Contracts With Commercial Organizations 2131.205-3 Bad debts. Erroneous benefit... the erroneous overpayment or it would not be cost effective to recover the erroneous overpayment. The...

5 CFR 1215.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Definitions. 1215.2 Section 1215.2 Administrative Personnel MERIT SYSTEMS PROTECTION BOARD ORGANIZATION AND PROCEDURES DEBT MANAGEMENT Salary Offset... the debt and authorizes the payment of his/her current pay. (h) Salary offset. An administrative...

Master indenture: capital financing for health care systems.

PubMed

Fisher, B; Zimmerman, R J

1984-04-01

The master indenture enables members of multiinstitutional health care systems to finance capital programs and expansions by borrowing on the basis of systemwide revenues and assets. Participation in a master indenture financing may be structured in two ways. In a restricted group, only the parent organization issues notes, and only the parent is directly liable for the debt. To ensure that each member's revenues flow to the parent, the latter must have sole member status and be permitted to approve subsidiaries' debts, budgets, amendments to articles and bylaws of incorporation, and selection of trustees. Each entity's articles and bylaws must permit it to support the system members' common charitable purpose. In contrast, members of an obligated group have direct joint and several liability for master indenture notes. If one subsidiary misses a payment, the parent can call for payment from other obligated group members. Limitations on a member's obligation to support system debt in case of insolvency or bankruptcy may be included in the master indenture provisions. Whichever structure is selected, the amount of debt that can be incurred is based on the institutions' combined financial statements. The master indenture thus allows financially weak institutions to benefit from the credit strengths of stranger system members and permits the parent organization to control members' access to capital markets.

5 CFR 1215.9 - Refunds.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Refunds. 1215.9 Section 1215.9 Administrative Personnel MERIT SYSTEMS PROTECTION BOARD ORGANIZATION AND PROCEDURES DEBT MANAGEMENT Salary Offset... MSPB when the debt is waived, found not owed to the MSPB, or when directed by an administrative or...

5 CFR 1215.10 - Statute of limitations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Statute of limitations. 1215.10 Section 1215.10 Administrative Personnel MERIT SYSTEMS PROTECTION BOARD ORGANIZATION AND PROCEDURES DEBT MANAGEMENT Salary Offset § 1215.10 Statute of limitations. If a debt has been outstanding for more than 10...

48 CFR 2132.607 - Tax credit.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 6 2011-10-01 2011-10-01 false Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

18 CFR 367.1810 - Account 181, Unamortized debt expense.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Account 181, Unamortized debt expense. 367.1810 Section 367.1810 Conservation of Power and Water Resources FEDERAL ENERGY..., FEDERAL POWER ACT AND NATURAL GAS ACT UNIFORM SYSTEM OF ACCOUNTS FOR CENTRALIZED SERVICE COMPANIES SUBJECT...

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means... notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. (t) Judgmental system of...

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means... notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. (t) Judgmental system of...

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means... notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. (t) Judgmental system of...

5 CFR 1215.3 - Applicability.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Applicability. 1215.3 Section 1215.3 Administrative Personnel MERIT SYSTEMS PROTECTION BOARD ORGANIZATION AND PROCEDURES DEBT MANAGEMENT Salary Offset § 1215.3 Applicability. (a) These regulations are to be followed when: (1) The MSPB is owed a debt by an...

48 CFR 2132.607 - Tax credit.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

48 CFR 32.608-1 - Interest charges.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 48 Federal Acquisition Regulations System 1 2013-10-01 2013-10-01 false Interest charges. 32.608-1... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608-1 Interest charges. Unless specified otherwise in the clause at 52.232-17, Interest, interest charges shall apply to any contract debt unpaid after 30 days...

48 CFR 32.608-1 - Interest charges.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 1 2011-10-01 2011-10-01 false Interest charges. 32.608-1... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608-1 Interest charges. Unless specified otherwise in the clause at 52.232-17, Interest, interest charges shall apply to any contract debt unpaid after 30 days...

48 CFR 32.608-1 - Interest charges.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 48 Federal Acquisition Regulations System 1 2012-10-01 2012-10-01 false Interest charges. 32.608-1... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608-1 Interest charges. Unless specified otherwise in the clause at 52.232-17, Interest, interest charges shall apply to any contract debt unpaid after 30 days...

Development of Information and Knowledge Architectures and an Associated Framework and Methodology for System Management of a Global Reserve Currency

ERIC Educational Resources Information Center

Cardullo, Mario W.

2013-01-01

The global financial system appears to be heading for a major financial crisis. This crisis is being driven by a growing global debt. This crisis is not limited to nations that are heavily in debt such as Greece, Spain, Portugal, Ireland, Italy or Cyprus but to such others as the United States. While there has been a great deal of emphasis on…

48 CFR 32.1108 - Payment by Governmentwide commercial purchase card.

Code of Federal Regulations, 2013 CFR

2013-10-01

..., contracting officers are required to verify (by looking in the System for Award Management (SAM)) whether the... payment during any period the SAM indicates that the contractor has delinquent debt subject to collection...) Contracting officers shall not use the presence of the SAM debt flag indicator to exclude a contractor from...

48 CFR 32.1108 - Payment by Governmentwide commercial purchase card.

Code of Federal Regulations, 2014 CFR

2014-10-01

..., contracting officers are required to verify (by looking in the System for Award Management (SAM)) whether the... payment during any period the SAM indicates that the contractor has delinquent debt subject to collection...) Contracting officers shall not use the presence of the SAM debt flag indicator to exclude a contractor from...

5 CFR 1215.29 - Use of credit reporting agencies.

Code of Federal Regulations, 2010 CFR

2010-01-01

... reported to a credit reporting agency. (b) Debts may be reported to consumer or commercial reporting agencies. Consumer reporting agencies are defined in 31 U.S.C. 3701(a)(3) pursuant to 5 U.S.C. 552a(b)(12... Section 1215.29 Administrative Personnel MERIT SYSTEMS PROTECTION BOARD ORGANIZATION AND PROCEDURES DEBT...

5 CFR 845.408 - Special processing for fraud claims.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Special processing for fraud claims. 845.408 Section 845.408 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEBT COLLECTION Agency Requests to OPM for Recovery of a Debt From the Civil Service...

48 CFR 32.608-2 - Interest credits.

Code of Federal Regulations, 2010 CFR

2010-10-01

... following procedures: (1) Interest at the rate under 52.232-17 shall be charged on the reduced debt from the... REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608-2 Interest credits. (a) An equitable interest credit... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Interest credits. 32.608-2...

18 CFR 367.2240 - Account 224, Other long-term debt.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Account 224, Other long-term debt. 367.2240 Section 367.2240 Conservation of Power and Water Resources FEDERAL ENERGY..., FEDERAL POWER ACT AND NATURAL GAS ACT UNIFORM SYSTEM OF ACCOUNTS FOR CENTRALIZED SERVICE COMPANIES SUBJECT...

12 CFR 221.124 - Purchase of debt securities to finance corporate takeovers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... securities to finance corporate takeovers. (a) Petitions have been filed with the Board raising questions as... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Purchase of debt securities to finance corporate takeovers. 221.124 Section 221.124 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

12 CFR 221.124 - Purchase of debt securities to finance corporate takeovers.

Code of Federal Regulations, 2011 CFR

2011-01-01

... securities to finance corporate takeovers. (a) Petitions have been filed with the Board raising questions as... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Purchase of debt securities to finance corporate takeovers. 221.124 Section 221.124 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

12 CFR 221.124 - Purchase of debt securities to finance corporate takeovers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... securities to finance corporate takeovers. (a) Petitions have been filed with the Board raising questions as... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Purchase of debt securities to finance corporate takeovers. 221.124 Section 221.124 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF...

School Building Programs, Equipment Acquisitions and Cash Flow: The Anatomy of School Debt Financing.

ERIC Educational Resources Information Center

Bittle, Edgar H.

1992-01-01

Budget shortfalls and fund deficits in many school districts are expected to continue in the 1990s. School boards and administrators must develop plans to manage and maintain the financial health of the school system. One important aspect of this planning is management of debt. (58 references) (MLF)

Analysis of debt leveraging in private power projects. Revision

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

Kahn, E.P.; Meal, M.; Doerrer, S.

1992-08-01

As private power (non-utility generation) has grown to become a significant part of the electricity system, increasing concern about its financial implications has arisen. In many cases, the source of this concern has been the substantial reliance of these projects on debt financing. This study examines debt leveraging in private power projects. The policy debate on these issues has typically been conducted at a high level of generality. Critics of the private power industry assert that high debt leveraging confers an unfair competitive advantage by lowering the cost of capital, and that this leveraging is only possible because risks aremore » shifted to the utility. Further, debt leveraging is claimed to be a threat to reliability. On the opposite side, it is argued that debt leveraging imposes costs and obligations not home by utilities, and so there is no financial advantage. The private producers also argue that on balance more risk is shifted away from utilities than to them, and that incentives for reliability are strong. In this study we examine the project finance mechanisms used in private power lending in detail, relying on a sample of actual loan documents. This review and its findings should be relevant to the further evolution of this debate. State regulatory commissions are likely to be interested in it, and Federal legislation to amend the Public Utility Holding Company Act (PUHCA) could require states to consider the implications of debt leveraging in relation to their oversight of utility power purchase programs.« less

Analysis of debt leveraging in private power projects

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

Kahn, E.P.; Meal, M.; Doerrer, S.

1992-08-01

As private power has grown to become a significant part of the electricity system, increasing concern about its financial implications has arisen. In many cases, the source of this concern has been the substantial reliance of these projects on debt financing. This study examines debt leveraging in private power projects. The policy debate on these issues has typically been conducted at a high level of generality. Critics of the private power industry assert that high debt leveraging confers an unfair competitive advantage by lowering the cost of capital. This leveraging is only possible because risks are shifted to the utility.more » Further, debt leveraging is claimed to be a threat to reliability. On the opposite side, it is argued that debt leveraging imposes costs and obligations not borne by utilities, and so there is no financial advantage. The private producers also argue that on balance more risk is shifted away from utilities than to them, and that incentives for reliability are strong. In this study we examine the project finance mechanisms used in private power lending in detail, relying on a sample of actual loan documents. This review and its findings should be relevant to the further evolution of this debate. State regulatory commissions are likely to be interested in it, and Federal legislation to amend the Public Utility Holding Company Act (PUHCA) could require states to consider the implications of debt leveraging in relation to their oversight of utility power purchase programs.« less

Analysis of debt leveraging in private power projects

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

Kahn, E.P.; Meal, M.; Doerrer, S.

1992-08-01

As private power (non-utility generation) has grown to become a significant part of the electricity system, increasing concern about its financial implications has arisen. In many cases, the source of this concern has been the substantial reliance of these projects on debt financing. This study examines debt leveraging in private power projects. The policy debate on these issues has typically been conducted at a high level of generality. Critics of the private power industry assert that high debt leveraging confers an unfair competitive advantage by lowering the cost of capital, and that this leveraging is only possible because risks aremore » shifted to the utility. Further, debt leveraging is claimed to be a threat to reliability. On the opposite side, it is argued that debt leveraging imposes costs and obligations not home by utilities, and so there is no financial advantage. The private producers also argue that on balance more risk is shifted away from utilities than to them, and that incentives for reliability are strong. In this study we examine the project finance mechanisms used in private power lending in detail, relying on a sample of actual loan documents. This review and its findings should be relevant to the further evolution of this debate. State regulatory commissions are likely to be interested in it, and Federal legislation to amend the Public Utility Holding Company Act (PUHCA) could require states to consider the implications of debt leveraging in relation to their oversight of utility power purchase programs.« less

Medical Debt and Aggressive Debt Restitution Practices

PubMed Central

O'Teele, Thomas P; Arbelaes, Jose J; Lawrence, Robert S

2004-01-01

BACKGROUND Health care providers are increasingly relying on collection agencies to recoup charges associated with medical care. Little is known about the prevalence of this practice in low-income communities and what effect it has on health-seeking behavior. METHODS Cross-sectional survey at 10 “safety net” provider sites in Baltimore, Md. Specific queries were made to underlying comorbidities, whether they had a current medical debt, actions taken against that debt, and any effect this has had on health-seeking behavior. RESULTS Overall, 274 adults were interviewed. The average age was 43.9 years, 77.3% were African American, 54.6% were male, 47.2% were homeless, and 34.4% had less than a 12th grade education. Of these, 46.2% reported they currently had a medical debt (average, $3,409) and 39.4% reported ever having been referred to a collection agency for a medical debt. Overall, 67.4% of individuals reported that either having a current medical debt or having been referred to a collection agency for a medical debt affected their seeking subsequent care: 24.5% no longer went to that site for care; 18.6% delayed seeking care when needed; and 10.4% reported only going to emergency departments now. In the multiple logistic regression model, having less than a 12th grade education (odds ration [OR], 2.5; 95% confidence interval [CI], 1.0 to 6.0) and being homeless (OR, 4.1; 95% CI, 1.4 to 12.3) were associated with a change in health-seeking behavior while having a chronic medical condition (OR, 0.2; 95% CI, 0.1 to 0.5) and going to a community clinic for usual care (OR, 0.2; 95% CI, 0.1 to 1.0) were protective. CONCLUSIONS Aggressive debt retrieval for medical care appears to be indiscriminately applied with a negative effect on subsequent health-seeking behavior among those least capable of navigating the health system. PMID:15209592

37 CFR 201.17 - Statements of Account covering compulsory licenses for secondary transmissions by cable systems.

Code of Federal Regulations, 2010 CFR

2010-07-01

...., a local news or public affairs program). (9) For purposes of this section, the “rules and..., regardless of when accrued: (i) Less the amount of any bad debts actually written-off during that accounting period, excluding bad debts for secondary transmission service furnished before January 1, 1978; (ii...

Medlantic launches plan to regain A rating.

PubMed

Nemes, J

1992-08-24

By completing the first part of a two-part debt restructuring, Medlantic Healthcare Group has taken another step toward regaining the top-flight debt rating that it had as recently as three years ago. The effort comes one year after the hospital system overhauled its corporate structure to create a more efficient organization and shed itself of unprofitable operations.

Exploring the Security Dimension of Sino-US Trade Asymmetry. Implications for the International Trade System

DTIC Science & Technology

2010-01-01

the debtor state being unable to repay its debt and/or the two states being unable to strike upon agreeable terms on how to settle the debt owed...appear. The downside in holding foreign-denominated reserves entails the risk that the value of the reserve will be depleted through inflationary

Addressing Student Debt: A New Post Secondary Learning Support System

ERIC Educational Resources Information Center

Association of Canadian Community Colleges, 2001

2001-01-01

Access and affordability are bountiful concepts and key words used by policy makers in defining the role of post-secondary education and training in Canada. However, these words have not translated into action for many learners due to student debt. Incurred from high tuition fees, costly and complex payback schemes and under-funding, chronic…

5 CFR 835.602 - Past-due legally enforceable debt.

Code of Federal Regulations, 2010 CFR

2010-01-01

... REGULATIONS (CONTINUED) DEBT COLLECTION Collection of Debts by Federal Tax Refund Offset § 835.602 Past-due legally enforceable debt. A past-due legally enforceable debt for referral to the IRS is a debt that— (a... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Past-due legally enforceable debt. 835...

Transfers to the old, government debt and demographic change.

PubMed

Verbon, H A

1990-01-01

"In this paper we take the view that policy makers...take the relationship between (explicit) intergenerational transfer systems (including public pension schemes) and government deficits into account. It is assumed that policy makers are behaving altruistically towards past and future generations. Given the behavioral model, an analysis is made of the effects of demographic changes (such as the 'baby-boom' of the 1940s and 1950s and the decline of birth rates in the 1970s) on the decisions to be taken with respect to the tax rate of the public pension system and the size of government debt. From the analysis it appears that, with the assumption of altruistic decision-makers, periods of increasing or decreasing debt can occur alternately in periods of demographic change." The geographical focus is on developed countries. excerpt

37 CFR 201.17 - Statements of Account covering compulsory licenses for secondary transmissions by cable systems.

Code of Federal Regulations, 2011 CFR

2011-07-01

... community (e.g., a local news or public affairs program). (9) For purposes of this section, the “rules and..., regardless of when accrued: (i) Less the amount of any bad debts actually written-off during that accounting period, excluding bad debts for secondary transmission service furnished before January 1, 1978; (ii...

Accreditation: Removing the Barrier to Higher Education Reform. Backgrounder. No. 2728. Executive Summary

ERIC Educational Resources Information Center

Burke, Lindsey M.; Butler, Stuart M.

2012-01-01

America's higher education system is in dire need of reform. The average college student leaves school with more than $23,000 in debt, and total student loan debt in the United States now exceeds $1 trillion. Furthermore, too many students are leaving college without the skills needed to be successful in the workforce. And yet, despite the dire…

Educational Debt in the Context of Career Planning: A Qualitative Exploration of Medical Student Perceptions.

PubMed

Phillips, Julie P; Wilbanks, Deana M; Salinas, Diana F; Doberneck, Diane M

2016-01-01

Phenomenon: Medical students in the United States face increasing educational debt because medical education costs have risen while public investment in higher education has declined. Contemporary students borrow more money and accumulate debt far surpassing that of previous generations of physicians, and both interest rates and terms of loan repayment have changed significantly in the last decade. As a result, the experiences of medical students differ from the experiences of physician educators. Little is known about how contemporary medical students view their debt in the context of career planning. Understanding contemporary U.S. medical students' lived experiences of educational debt is important, because high debt levels may affect medical students' well-being and professional development. The study's purpose was to explore contemporary students' views of their debt in the context of career planning. In 2012, 2nd-year medical students enrolled in a health policy course at one medical school were invited to write an essay about how debt influences their career choices. The authors analyzed 132 essays using immersion and crystallization and iterative, team-based coding. Code-recode strategies, member checking, and reflexivity ensured validity and rigor. Three themes emerged about the meaning of debt: debt symbolizes lack of social investment, debt reinforces a sense of entitlement, and debt is a collective experience. Four approaches to debt management emerged: anticipation, avoidance, acceptance, and disempowerment. Insights: Medical students' views of debt are more complex than previously reported. Medical educators should recognize that many students experience debt as a stressor, acknowledge students' emotions about debt, and invite discussion about the culture of entitlement in medical education and how this culture affects students' professionalism. At the same time, educators should emphasize that students have many repayment options and that regardless of specialty choice, most physicians repay their debts without significant difficulty. Further exploration is needed of the relationships between the amount of debt owed, students' attitudes toward their debt, and other student characteristics. Because students experience debt in a range of ways, more nuanced approaches to understanding and reframing student perceptions of debt are necessary.

Association of bond, market, operational, and financial factors with multi-hospital system bond issues.

PubMed

Carpenter, C E; McCue, M J; Hossack, J B

2001-01-01

Despite the growth of multi-hospital systems in the 1990s, their performance in the tax-exempt bond market has not been adequately evaluated. The purpose of this study is to compare bonds issued by multi-hospital systems to those issued by individual hospitals in terms of bond, market, operational, and financial characteristics. The study sample includes 2,078 newly issued, tax-exempt, revenue bonds between 1991 and 1997. The findings indicate that multi-hospital systems issued larger amounts of debt at a lower cost, were more likely to be insured, had higher debt service coverage and higher operating margins.

Debt and foregone medical care.

PubMed

Kalousova, Lucie; Burgard, Sarah A

2013-06-01

Most American households carry debt, yet we have little understanding of how debt influences health behavior, especially health care seeking. We examined associations between foregone medical care and debt using a population-based sample of 914 southeastern Michigan residents surveyed in the wake of the late-2000s recession. Overall debt and ratios of debt to income and debt to assets were positively associated with foregoing medical or dental care in the past 12 months, even after adjusting for the poorer socioeconomic and health characteristics of those foregoing care and for respondents' household incomes and net worth. These overall associations were driven largely by credit card and medical debt, while housing debt and automobile and student loans were not associated with foregoing care. These results suggest that debt is an understudied aspect of health stratification.

A systematic review of financial debt in adolescents and young adults: prevalence, correlates and associations with crime.

PubMed

Hoeve, Machteld; Stams, Geert Jan J M; van der Zouwen, Marion; Vergeer, Margaretha; Jurrius, Kitty; Asscher, Jessica J

2014-01-01

Financial debt in young people has increased in recent years. Because debt may have severe consequences, and it may enhance criminal behavior, insight into the prevalence and determinants of debt and its association with crime is important. We conducted a systematic review and meta-analysis of 36 manuscripts to examine the prevalence of financial debt (k = 23), correlates and risk factors of debt (k = 16), and associations between debt and criminal behavior in adolescents and young adults (k = 8). Findings revealed that the prevalence of debt is substantial among young people; on average, 49% reported to have at least some debt, 22% had financial problems. Older participants and ethnic minorities were found to have higher levels of debt than younger and indigenous counterparts. Females had more financial problems and higher student loans. Low self-esteem, a pro-debt attitude (of young people and their parents), lack of perceived control towards financial management, poor social functioning, financial stress and external locus of control were found to have the strongest associations with debt. Studies reported strong associations between debt and crime. Particularly, strong associations were found between serious and persistent crime in young people and later (young adult) debt or financial problems.

A Systematic Review of Financial Debt in Adolescents and Young Adults: Prevalence, Correlates and Associations with Crime

PubMed Central

Hoeve, Machteld; Stams, Geert Jan J. M.; van der Zouwen, Marion; Vergeer, Margaretha; Jurrius, Kitty; Asscher, Jessica J.

2014-01-01

Financial debt in young people has increased in recent years. Because debt may have severe consequences, and it may enhance criminal behavior, insight into the prevalence and determinants of debt and its association with crime is important. We conducted a systematic review and meta-analysis of 36 manuscripts to examine the prevalence of financial debt (k = 23), correlates and risk factors of debt (k = 16), and associations between debt and criminal behavior in adolescents and young adults (k = 8). Findings revealed that the prevalence of debt is substantial among young people; on average, 49% reported to have at least some debt, 22% had financial problems. Older participants and ethnic minorities were found to have higher levels of debt than younger and indigenous counterparts. Females had more financial problems and higher student loans. Low self-esteem, a pro-debt attitude (of young people and their parents), lack of perceived control towards financial management, poor social functioning, financial stress and external locus of control were found to have the strongest associations with debt. Studies reported strong associations between debt and crime. Particularly, strong associations were found between serious and persistent crime in young people and later (young adult) debt or financial problems. PMID:25136797

Doing away with Debt: Using Existing Resources to Ensure College Affordability for Low and Middle-Income Families. [Executive Summary

ERIC Educational Resources Information Center

Education Trust, 2013

2013-01-01

America's financial-aid system has become almost impossible to navigate and burdensome for those who need it most. Tuition and fees are skyrocketing, forcing almost half of college-going students to borrow. Low and middle-income students are taking on frightening levels of debt. Bachelor's degree recipients leave school with an average of $26,600…

Endogenous fertility, Ricardian equivalence, and debt management policy.

PubMed

Lapan, H E; Enders, W

1990-03-01

This paper develops a model in which dynastic families optimally determine fertility. Government debt represents a tax on future generations and on childbearing; the Ricardian Equivalence Hypothesis does not hold. Debt is welfare reducing in that it distorts the fertility decision. An increase in government debt induces a decline in fertility and an increase in the steady state capital/labor ratio. If a government inherits an existing stock of debt, the 1st-best policy is to eliminate the debt immediately. In other situations the optimal debt management policy will not, in general, entail a total elimination of the debt.

Iraq’s Debt Relief: Procedure and Potential Implications for International Debt Relief

DTIC Science & Technology

2008-10-02

Order Code RL33376 Iraq’s Debt Relief: Procedure and Potential Implications for International Debt Relief Updated October 2, 2008 Martin A. Weiss...4. TITLE AND SUBTITLE Iraq?s Debt Relief: Procedure and Potential Implications for International Debt Relief 5a. CONTRACT NUMBER 5b. GRANT NUMBER...b. ABSTRACT unclassified c. THIS PAGE unclassified Standard Form 298 (Rev. 8-98) Prescribed by ANSI Std Z39-18 Iraq’s Debt Relief: Procedure

11 CFR 111.51 - Debts that are covered.

Code of Federal Regulations, 2011 CFR

2011-01-01

...)) Collection of Debts Arising From Enforcement and Administration of Campaign Finance Laws § 111.51 Debts that... antitrust laws. (4) Debts under the Internal Revenue Code of 1986. (5) Debts between the Commission and...

11 CFR 111.51 - Debts that are covered.

Code of Federal Regulations, 2014 CFR

2014-01-01

...)) Collection of Debts Arising From Enforcement and Administration of Campaign Finance Laws § 111.51 Debts that... antitrust laws. (4) Debts under the Internal Revenue Code of 1986. (5) Debts between the Commission and...

11 CFR 111.51 - Debts that are covered.

Code of Federal Regulations, 2013 CFR

2013-01-01

...)) Collection of Debts Arising From Enforcement and Administration of Campaign Finance Laws § 111.51 Debts that... antitrust laws. (4) Debts under the Internal Revenue Code of 1986. (5) Debts between the Commission and...

11 CFR 111.51 - Debts that are covered.

Code of Federal Regulations, 2012 CFR

2012-01-01

...)) Collection of Debts Arising From Enforcement and Administration of Campaign Finance Laws § 111.51 Debts that... antitrust laws. (4) Debts under the Internal Revenue Code of 1986. (5) Debts between the Commission and...

What is the hospital industry's exposure from the ARS collapse?

PubMed

McCue, Michael J; Peterman, Julie S

2009-10-01

Auction rate securities (ARSs) were introduced 1988 as a means to allow tax-exempt/municipal issuers to enjoy the advantage of short-term interest rates on long-term debt issues. The recent collapse in the ARS market caused many hospitals and healthcare systems to be confronted with a much higher cost of debt. In the context of the larger economic crisis facing our nation and healthcare systems, the problems in the ARS market may have only exacerbated the difficulties many U.S. hospitals face in accessing cash needed to fund essential capital projects.

77 FR 40951 - Medicare Program; End-Stage Renal Disease Prospective Payment System, Quality Incentive Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-11

...This rule proposes to update and make revisions to the End- Stage Renal Disease (ESRD) prospective payment system (PPS) for calendar year (CY) 2013. This rule also proposes to set forth requirements for the ESRD quality incentive program (QIP), including for payment year (PY) 2015 and beyond. This proposed rule will implement changes to bad debt reimbursement for all Medicare providers, suppliers, and other entities eligible to receive bad debt. (See the Table of Contents for a listing of the specific issues addressed in this proposed rule.)

20 CFR 366.2 - Past-due legally enforceable debt.

Code of Federal Regulations, 2010 CFR

2010-04-01

... COLLECTION OF DEBTS BY FEDERAL TAX REFUND OFFSET § 366.2 Past-due legally enforceable debt. A past-due legally enforceable debt which may be referred to the Internal Revenue Service is a debt: (a) Which arose... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Past-due legally enforceable debt. 366.2...

45 CFR 2506.4 - What types of debts are excluded from these regulations?

Code of Federal Regulations, 2010 CFR

2010-10-01

... 45 Public Welfare 4 2010-10-01 2010-10-01 false What types of debts are excluded from these...) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE COLLECTION OF DEBTS Introduction § 2506.4 What types of debts are excluded from these regulations? The following types of debts are excluded: (a) Debts or claims...

45 CFR 2506.4 - What types of debts are excluded from these regulations?

Code of Federal Regulations, 2011 CFR

2011-10-01

... 45 Public Welfare 4 2011-10-01 2011-10-01 false What types of debts are excluded from these...) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE COLLECTION OF DEBTS Introduction § 2506.4 What types of debts are excluded from these regulations? The following types of debts are excluded: (a) Debts or claims...

Student Debt and the Class of 2015. 11th Annual Report

ERIC Educational Resources Information Center

Cochrane, Debbie; Cheng, Diane

2016-01-01

Student Debt and the Class of 2015 is the eleventh annual report on the student loan debt of recent graduates from four-year colleges, documenting the rise in student loan debt and variation among states as well as colleges. This report includes policy recommendations to address rising student debt and reduce debt burdens, including collecting…

Effect of Educational Debt on Emergency Medicine Residents: A Qualitative Study Using Individual Interviews.

PubMed

Young, Timothy P; Brown, Madison M; Reibling, Ellen T; Ghassemzadeh, Sassan; Gordon, Dawn M; Phan, Tammy H; Thomas, Tamara L; Brown, Lance

2016-10-01

In 2001, less than 20% of emergency medicine residents had more than $150,000 of educational debt. Our emergency medicine residents anecdotally reported much larger debt loads. Surveys have reported that debt affects career and life choices. Qualitative approaches are well suited to explore how and why such complex phenomena occur. We aim to gain a better understanding of how our emergency medicine residents experience debt. We conducted individual semistructured interviews with emergency medicine residents. We collected self-reported data related to educational debt and asked open-ended questions about debt influence on career choices, personal life, future plans, and financial decisions. We undertook a structured thematic analysis using a qualitative approach based in the grounded theory method. Median educational debt was $212,000. Six themes emerged from our analysis: (1) debt influenced career and life decisions by altering priorities; (2) residents experienced debt as a persistent source of background stress and felt powerless to change it; (3) residents made use of various techniques to negotiate debt in order to focus on day-to-day work; (4) personal debt philosophy, based on individual values and obtained from family, shaped how debt affected each individual; (5) debt had a normative effect and was acculturated in residency; and (6) residents reported a wide range of financial knowledge, but recognized its importance to career success. Our emergency medicine residents' debt experience is complex and involves multiple dimensions. Given our current understanding, simple solutions are unlikely to be effective in adequately addressing this issue. Copyright © 2016 American College of Emergency Physicians. Published by Elsevier Inc. All rights reserved.

15 CFR 19.8 - When will Commerce entities suspend or terminate debt collection on a Commerce debt?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false When will Commerce entities suspend or terminate debt collection on a Commerce debt? 19.8 Section 19.8 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.8 When will...

15 CFR 19.8 - When will Commerce entities suspend or terminate debt collection on a Commerce debt?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false When will Commerce entities suspend or terminate debt collection on a Commerce debt? 19.8 Section 19.8 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.8 When will...

15 CFR 19.8 - When will Commerce entities suspend or terminate debt collection on a Commerce debt?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false When will Commerce entities suspend or terminate debt collection on a Commerce debt? 19.8 Section 19.8 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.8 When will...

15 CFR 19.8 - When will Commerce entities suspend or terminate debt collection on a Commerce debt?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false When will Commerce entities suspend or terminate debt collection on a Commerce debt? 19.8 Section 19.8 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.8 When will...

15 CFR 19.8 - When will Commerce entities suspend or terminate debt collection on a Commerce debt?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false When will Commerce entities suspend or terminate debt collection on a Commerce debt? 19.8 Section 19.8 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.8 When will...

Poverty Levels and Debt Indicators among Low-Income Households before and after the Great Recession

ERIC Educational Resources Information Center

Kim, Kyoung Tae; Wilmarth, Melissa J.; Henager, Robin

2017-01-01

This study analyzed the debt profile of low-income households before and after the Great Recession using the 2007, 2010, and 2013 Survey of Consumer Finances (SCF). We used Heckman selection models to investigate three debt characteristics: (a) the amount of debt, (b) debt-to-income ratio, and (c) debt delinquency. Before and after the Great…

36 CFR 1011.8 - When will the Presidio Trust suspend or terminate debt collection on a debt?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false When will the Presidio Trust... PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.8 When will the Presidio Trust suspend or terminate debt collection on a debt? If, after pursuing all appropriate means of...

JPRS Report Science & Technology Japan

DTIC Science & Technology

1989-10-25

Testing Slated for New BWR Fuel Assemblies [GENSHIRYOKU SANGYO SHIMBUN, 25 May 89] .... 37 Nuclear Fuel Planning System Developed [GENSHIRYOKU... Development (Debt) 13,272 ((Debt) 3,839) 7,995 (3,610) In addition, the budget has guaranteed that the following programs will proceed according... develop a combined cycle engine that will be capable of attaining high reliability and good fuel consumption at a wide range of speeds from low speed to

7 CFR 1956.102 - Application of policies.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) PROGRAM REGULATIONS (CONTINUED) DEBT SETTLEMENT Debt Settlement-Community and Business Programs § 1956.102 Application of policies. (a) General. If a debt is eligible for settlement, the debt settlement authorities of... in connection with debt settlement will adhere strictly to the authorizations, requirements, and...

7 CFR 1956.102 - Application of policies.

Code of Federal Regulations, 2012 CFR

2012-01-01

...) PROGRAM REGULATIONS (CONTINUED) DEBT SETTLEMENT Debt Settlement-Community and Business Programs § 1956.102 Application of policies. (a) General. If a debt is eligible for settlement, the debt settlement authorities of... in connection with debt settlement will adhere strictly to the authorizations, requirements, and...

7 CFR 1956.102 - Application of policies.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) PROGRAM REGULATIONS (CONTINUED) DEBT SETTLEMENT Debt Settlement-Community and Business Programs § 1956.102 Application of policies. (a) General. If a debt is eligible for settlement, the debt settlement authorities of... in connection with debt settlement will adhere strictly to the authorizations, requirements, and...

7 CFR 1956.102 - Application of policies.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) PROGRAM REGULATIONS (CONTINUED) DEBT SETTLEMENT Debt Settlement-Community and Business Programs § 1956.102 Application of policies. (a) General. If a debt is eligible for settlement, the debt settlement authorities of... in connection with debt settlement will adhere strictly to the authorizations, requirements, and...

Clinically Competent and Fiscally at Risk: Impact of Debt and Financial Parameters on the Surgical Resident.

PubMed

Tevis, Sarah E; Rogers, Andrew P; Carchman, Evie H; Foley, Eugene F; Harms, Bruce A

2018-05-31

While the costs of medical training continue to increase, surgeon income and personal financial decisions may be challenged to manage this expanding debt burden. We sought to characterize the financial liability, assets, income, and debt of surgical residents, and evaluate the necessity for additional financial training. All surgical trainees at a single academic center completed a detailed survey. Questions focused on issues related to debt, equity, cash flow, financial education, and fiscal parameters. Responses were used to calculate debt-to-asset and debt-to-income ratios. Predictors of moderate risk debt-to-asset ratio (0.5 to 0.9), high risk debt-to-asset ratio (≥0.9), and high risk debt-to-income ratio (>0.4) were evaluated. All analyses were performed in SPSS v.21. One hundred five trainees completed the survey (80% response rate), with 38% of respondents reporting greater than $200,000 in educational debt. Overall, 82% of respondents had a moderate or high risk debt-to-asset ratio. Residency program, year, sex, and perception of financial knowledge did not correlate with high risk debt-to-asset ratio. Residents with high debt-to-asset ratios were more likely to have a high level of concern about debt (52% vs 0%, p < 0.001) when compared with residents who had low debt-to-asset ratios. The majority (79%) of respondents felt strongly that inclusion of additional financial training in residency education is a critical need. In a climate of increasingly delayed financial gratification, surgical trainees are on critically unstable financial footing. There is a major gap in current surgical education that requires reassessment for the long-term financial health of residents. Copyright © 2018 American College of Surgeons. Published by Elsevier Inc. All rights reserved.

Associations Between Pharmacy Students' Attitudes Toward Debt, Stress, and Student Loans.

PubMed

Chisholm-Burns, Marie A; Spivey, Christina A; Jaeger, Melanie C; Williams, Jennifer

2017-09-01

Objective. To assess graduating pharmacy students' attitudes toward debt and determine associations with stress, student loan debt, financial need, current employment, post-graduation plans, and expected length of time to repay loans. Methods. Survey was conducted using an attitudes-toward-debt scale (sub-scales: tolerant attitudes toward debt; contemplation and knowledge about loans; fear of debt), Perceived Stress Scale, and questions concerning current employment, estimated total student loan debt, post-graduation plans, and expected length of time to repay loans. Federal loan data were collected using financial aid records. Independent samples t -test, ANOVA, and Pearson's r correlations were conducted. Results. There were 147 students (96.7%) who participated. The majority were female (59.2%), white (69.4%), and had federal student loans (90.5%). Mean total loan amount was $153,276 (SD $59,810), which included federal students loans accumulated before and during pharmacy school. No significant differences were noted on attitudes toward debt or stress based on whether respondents had federal student loans. Greater "fear of debt" was correlated with increased stress, estimated total student loan debt, total federal loan debt, and pharmacy school loan debt. Greater "contemplation and knowledge about loans" was correlated with lower estimated total student loan debt, total federal loan amount, and pharmacy school loan amount. Students with higher "contemplation and knowledge" scores expected to repay loans within a shorter time frame than students with lower scores. Conclusion. Increased fear of debt was related to greater perceived stress and higher student loan amounts borrowed, while increased contemplation and knowledge about loans was associated with lower amounts borrowed. Educational programming concerning loans, debt, and personal financial management may help reduce stress and amount borrowed.

The association of debt financing with not-for-profit hospitals' operational and capital-investment efficiency.

PubMed

Magnus, Stephen A; Wheeler, John R C; Smith, Dean G

2004-01-01

Increased debt in companies can motivate both operational and capital-investment efficiency. This positive influence of debt is attributed to creditors' oversight of corporate behavior and the need to generate cash flows to service debt. Our study investigates whether debt has a similar relationship with efficiency in not-for-profit hospitals. Using statistical analysis of a database of audited financial statements of not-for-profit hospitals, we test whether debt is associated with six distinct measures of operational and capital-investment efficiency. We find that debt either has no association with efficiency or predicts decreased efficiency. Possible explanations are that creditors' oversight is less tight in the not-for-profit setting and that debt may at times motivate excessive capital investment because of a legal requirement to tie tax-exempt debt with a capital-investment project.

Pharmacy Students' Attitudes Toward Debt.

PubMed

Park, Taehwan; Yusuf, Akeem A; Hadsall, Ronald S

2015-05-25

To examine pharmacy students' attitudes toward debt. Two hundred thirteen pharmacy students at the University of Minnesota were surveyed using items designed to assess attitudes toward debt. Factor analysis was performed to identify common themes. Subgroup analysis was performed to examine whether students' debt-tolerant attitudes varied according to their demographic characteristics, past loan experience, monthly income, and workload. Principal component extraction with varimax rotation identified 3 factor themes accounting for 49.0% of the total variance: tolerant attitudes toward debt (23.5%); contemplation and knowledge about loans (14.3%); and fear of debt (11.2%). Tolerant attitudes toward debt were higher if students were white or if they had had past loan experience. These 3 themes in students' attitudes toward debt were consistent with those identified in previous research. Pharmacy schools should consider providing a structured financial education to improve student management of debt.

24 CFR 242.1 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-04-01

.... Debt service coverage ratio is a measure of a hospital's ability to pay interest and principal with cash generated from current operations. Debt service ratio is calculated as follows: Debt Service Coverage Ratio (total debt service coverage on all long-term capital debt) equals the excess of revenues...

24 CFR 242.1 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-04-01

.... Debt service coverage ratio is a measure of a hospital's ability to pay interest and principal with cash generated from current operations. Debt service ratio is calculated as follows: Debt Service Coverage Ratio (total debt service coverage on all long-term capital debt) equals the excess of revenues...

Medical student debt at the Christchurch School of Medicine. The New Zealand Wellbeing, Intentions, Debt and Experiences (WIDE) survey of medical students pilot study. Results part I.

PubMed

Gill, D; Palmer, C; Mulder, R; Wilkinson, T

2001-10-26

To determine the level and sources of medical student debt at the Christchurch School of Medicine. A questionnaire, The New Zealand Wellbeing, Intentions, Debt, and Experiences (WIDE) Survey of Medical Students, was developed and administered to all 204 medical students at the Christchurch School of Medicine and Health Sciences. Included were questions on student demographics, sources and levels of debt, parental financial support, and student perceptions of their debt. The response rate was 88%. International students, whose debt was with an overseas government, and students with mortgages were excluded from the data analysis. The combined total debt for the remaining 165 students was $7775000 with $6290000 (81%) owed to the Government Students Loans scheme. One quarter of 6th year medical students had a debt over $83250, 50% had a debt over $70000, and 75% had a debt over $50000. Student allowances were inaccessible to 64% of 4th and 5th year students and part-time employment during term-time was common. Lack of funds was reported to impair full participation in the medical course. The majority of medical students at the Christchurch School of Medicine accumulate high levels of debt, mainly dtrough the Government Student Loans scheme, during their medical training.

'Strange money': risk, finance and socialized debt.

PubMed

Dodd, Nigel

2011-03-01

This paper explores an essential but neglected aspect of recent discussions of the banking and financial system, namely money itself. Specifically, I take up a distinction drawn by Susan Strange which has never been fully elaborated: between a financial system that is global, and an international monetary system that remains largely territorial. I propose a sociological elaboration of this distinction by examining each category, 'finance' and 'money', in terms of its distinctive orientation to risk and debt. Money is distinguished by its high degree of liquidity and low degree of risk, corresponding to expectations that derive from its status as a 'claim upon society'- a form of socialized debt. But as Strange argued, these features of money are being undermined by the proliferation of sophisticated instruments of financial risk management -'strange money'- that, as monetary substitutes, both weaken states' capacity to manage money, and more broadly, contribute to 'overbanking'. The ultimate danger, according to Strange, is the 'death of money'. The paper concludes by exploring the implications of the distinction for sociological arguments about the changing nature of money. © London School of Economics and Political Science 2011.

An examination of contemporary financing practices and the global financial crisis on nonprofit multi-hospital health systems.

PubMed

Stewart, Louis J; Smith, Pamela C

2011-01-01

This study examines the impact of the 2008 global financial crisis on large US nonprofit health systems. We proceed from an analysis of the contemporary capital financing practices of 25 of the nation's largest nonprofit hospitals and health systems. We find that these institutions relied on operating cash flows, public issues of insured variable rate debt, and accumulated investment to meet their capital financing needs. The combined use of these three financial instruments provided these organizations with $22.4 billion of long-term capital at favorable terms and the lowest interest rates. Our analysis further indicates that the extensive utilization of bond insurance, auction rate debt, and interest rate derivatives created significant risk exposures for these health systems. These risks were realized by the broader global financial crisis of 2008. Findings indicate these health systems incurred large losses from the early retirement of their variable rate debt. In addition, many organizations were forced to post nearly $1 billion of liquid collateral due to the falling values of their interest rate derivatives. Finally, the investment portfolios of these large nonprofit health systems suffered millions of dollars of unrealized capital losses, which may minimize their ability to finance future capital investment requirements.

12 CFR 32.5 - Combination rules.

Code of Federal Regulations, 2011 CFR

2011-01-01

... debt restructuring approved by the OCC, upon request by a bank for application of the non combination... external debt management; and (D) Whether the restructuring includes features of debt or debt-service... generally liable for the debts or actions of the partnership, joint venture, or association, and those...

12 CFR 32.5 - Combination rules.

Code of Federal Regulations, 2012 CFR

2012-01-01

... debt restructuring approved by the OCC, upon request by a bank for application of the non combination... external debt management; and (D) Whether the restructuring includes features of debt or debt-service... generally liable for the debts or actions of the partnership, joint venture, or association, and those...

Debt swapping as a tool for economic and social stabilization in Russia's closed nuclear cities

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

JL Fuller; KM Leek

2000-03-08

The magnitude of Russian foreign debt, both official bilateral and commercial, compounded by collapse of the Russian economic system, is an obstacle in preventing the Russian Federation from effectively increasing the domestic priority of drawing down its nuclear weapons complex and providing a healthy, competitive environment to its nuclear cities. Debt-for-nature swaps, introduced in the early 1980s, provide debtor nations with a means of converting a portion of foreign debt into local currency, often at steep discounts, to use for purposes such as environmental protection that serve both a domestic and international need. This paper presents the debt-for-nature concept asmore » a model for providing an infusion of funds to further U.S. and international nonproliferation objectives to help stabilize Russian closed city economic conditions through direct work on proliferation problems and remediation of the environment. A specific proposal is presented to demonstrate the utility and efficacy of the dept swap concept through initial collaboration with the city administration of Ozersk. The purpose of the proposal is to facilitate making Ozersk a safe, healthy competitive city, providing useful employment for its scientists and population and converting its superior infrastructure into productive activities.« less

12 CFR 615.5502 - Issuance of global debt securities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Issuance of global debt securities. 615.5502... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Global Debt Securities § 615.5502 Issuance of global debt securities. (a) The Funding Corporation may provide for the sale of global debt...

12 CFR 615.5502 - Issuance of global debt securities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Issuance of global debt securities. 615.5502... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Global Debt Securities § 615.5502 Issuance of global debt securities. (a) The Funding Corporation may provide for the sale of global debt...

12 CFR 615.5502 - Issuance of global debt securities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Issuance of global debt securities. 615.5502... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Global Debt Securities § 615.5502 Issuance of global debt securities. (a) The Funding Corporation may provide for the sale of global debt...

12 CFR 615.5502 - Issuance of global debt securities.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Issuance of global debt securities. 615.5502... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Global Debt Securities § 615.5502 Issuance of global debt securities. (a) The Funding Corporation may provide for the sale of global debt...

29 CFR 20.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Definitions. For purposes of this subpart— (a) The term commercial debt means any non-tax business debt in...) The term consumer debt means any non-tax debt of an individual in excess of $100, arising from loans—loan guarantees, overpayments, fines, penalties, or other causes. (c) A debt is considered delinquent...

41 CFR 105-56.010 - Deductions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... delinquent non-tax debt owed to the United States. GSA will pursue, when appropriate, such debt collection... of any nature. If the debt cannot be satisfied from subsequent payments, then the debt will be...) Types of collection. A debt may be collected in one lump sum or in installments. Collection will be by...

12 CFR 541.7 - Corporate debt security.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Corporate debt security. 541.7 Section 541.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

12 CFR 141.7 - Corporate debt security.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Corporate debt security. 141.7 Section 141.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 141.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

12 CFR 541.7 - Corporate debt security.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Corporate debt security. 541.7 Section 541.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

12 CFR 141.7 - Corporate debt security.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Corporate debt security. 141.7 Section 141.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 141.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

12 CFR 541.7 - Corporate debt security.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Corporate debt security. 541.7 Section 541.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

12 CFR 141.7 - Corporate debt security.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Corporate debt security. 141.7 Section 141.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 141.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

12 CFR 541.7 - Corporate debt security.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Corporate debt security. 541.7 Section 541.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

12 CFR 541.7 - Corporate debt security.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Corporate debt security. 541.7 Section 541.7... AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.7 Corporate debt security. The term corporate debt security..., note and/or debenture which is commonly regarded as a debt security and is not predominantly...

Debt and Foregone Medical Care

ERIC Educational Resources Information Center

Kalousova, Lucie; Burgard, Sarah A.

2013-01-01

Most American households carry debt, yet we have little understanding of how debt influences health behavior, especially health care seeking. We examined associations between foregone medical care and debt using a population-based sample of 914 southeastern Michigan residents surveyed in the wake of the late-2000s recession. Overall debt and…

Rethinking Student Loan Debt: Tools and Strategies for Debt Management.

ERIC Educational Resources Information Center

Mason, Susan G.

2001-01-01

Analyzes student loan debt at the University of Missouri-St. Louis School of Optometry, showing the need for a comprehensive debt management program. Presents a model for determining manageable amounts of student loan debt developed from conventional lending criteria and data on earnings for optometrists. (EV)

How well is debt managed by nonprofits?

PubMed

Tuckman, H P; Chang, C F

1993-01-01

Little is known about why nonprofits accrue debt, how much they owe, and whether the funds they borrow are used productively. This article distinguishes between productive, problematic, and deferred debt. Employing a data base representative of 114,726 tax-filing charitable nonprofits in the United States in 1986, it examines the pervasiveness of nonprofit debt and the relation between this debt and nonprofit financial health. The analysis finds that over 70 percent of the nonprofits hold debt, the distribution of this debt is highly concentrated, and the level of debt and leverage varies with asset size and type of activity. Nonprofits with higher leverage and absolute debt levels are financially healthier than those with lower levels. While the analysis does not determine whether financially stronger nonprofits are better able to borrow, the results support the view that borrowing in the nonprofit sector is economically efficient.

Pharmacy Students’ Attitudes Toward Debt

PubMed Central

Yusuf, Akeem A.; Hadsall, Ronald S.

2015-01-01

Objective. To examine pharmacy students’ attitudes toward debt. Methods. Two hundred thirteen pharmacy students at the University of Minnesota were surveyed using items designed to assess attitudes toward debt. Factor analysis was performed to identify common themes. Subgroup analysis was performed to examine whether students’ debt-tolerant attitudes varied according to their demographic characteristics, past loan experience, monthly income, and workload. Results. Principal component extraction with varimax rotation identified 3 factor themes accounting for 49.0% of the total variance: tolerant attitudes toward debt (23.5%); contemplation and knowledge about loans (14.3%); and fear of debt (11.2%). Tolerant attitudes toward debt were higher if students were white or if they had had past loan experience. Conclusion. These 3 themes in students’ attitudes toward debt were consistent with those identified in previous research. Pharmacy schools should consider providing a structured financial education to improve student management of debt. PMID:26089561

Tough choices in tough times: debt and medication nonadherence.

PubMed

Kalousova, Lucie; Burgard, Sarah A

2014-04-01

Debt is a ubiquitous component of households' financial portfolios. Yet we have scant understanding of how household debt constrains spending on needed health care. Diverse types of debt have different financial properties and recent work has shown that they may have varying implications for spending on needed health care. In this article, we explore the associations between indebtedness and medication nonadherence. First, we consider overall debt levels and then we disaggregate debt into types. We use a population-based sample of 434 residents of southeast Michigan who had been prescribed medications, collected in 2009-2010, the wake of the Great Recession. We find no association between medication nonadherence and total indebtedness. However, when we assess each type of debt separately, we find that having medical or credit card debt is positively associated with medication nonadherence, even net of household income, net worth, and other characteristics. Furthermore, patients with greater amounts of medical or credit card debt are more likely to be nonadherent than those with less. Our results suggest that credit card debt and medical debt may have serious implications for the relative affordability of prescription medications. These associations have been overlooked in past research and deserve further examination.

Associations Between Pharmacy Students’ Attitudes Toward Debt, Stress, and Student Loans

PubMed Central

Spivey, Christina A.; Jaeger, Melanie C.; Williams, Jennifer

2017-01-01

Objective. To assess graduating pharmacy students’ attitudes toward debt and determine associations with stress, student loan debt, financial need, current employment, post-graduation plans, and expected length of time to repay loans. Methods. Survey was conducted using an attitudes-toward-debt scale (sub-scales: tolerant attitudes toward debt; contemplation and knowledge about loans; fear of debt), Perceived Stress Scale, and questions concerning current employment, estimated total student loan debt, post-graduation plans, and expected length of time to repay loans. Federal loan data were collected using financial aid records. Independent samples t-test, ANOVA, and Pearson’s r correlations were conducted. Results. There were 147 students (96.7%) who participated. The majority were female (59.2%), white (69.4%), and had federal student loans (90.5%). Mean total loan amount was $153,276 (SD $59,810), which included federal students loans accumulated before and during pharmacy school. No significant differences were noted on attitudes toward debt or stress based on whether respondents had federal student loans. Greater “fear of debt” was correlated with increased stress, estimated total student loan debt, total federal loan debt, and pharmacy school loan debt. Greater “contemplation and knowledge about loans” was correlated with lower estimated total student loan debt, total federal loan amount, and pharmacy school loan amount. Students with higher “contemplation and knowledge” scores expected to repay loans within a shorter time frame than students with lower scores. Conclusion. Increased fear of debt was related to greater perceived stress and higher student loan amounts borrowed, while increased contemplation and knowledge about loans was associated with lower amounts borrowed. Educational programming concerning loans, debt, and personal financial management may help reduce stress and amount borrowed. PMID:29109558

7 CFR 1951.213 - Debt settlement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Debt settlement. 1951.213 Section 1951.213 Agriculture... and Grants § 1951.213 Debt settlement. Subpart C of part 1956 of this chapter prescribes policies and procedures for debt settlement actions for loans covered under this subpart when it is determined that a debt...

45 CFR 30.13 - Debt reporting and use of credit reporting agencies.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 45 Public Welfare 1 2010-10-01 2010-10-01 false Debt reporting and use of credit reporting... CLAIMS COLLECTION Standards for the Administrative Collection of Debts § 30.13 Debt reporting and use of... over $100 to credit bureaus or other automated databases. Debts arising under the Social Security Act...

75 FR 31736 - Modifications of Debt Instruments

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-04

... that is not debt for Federal income tax purposes, even if the alteration occurs by operation of the... modified debt instrument is debt or some other property right for Federal income tax purposes. However, any... results in an instrument or property right that is not debt for Federal income tax purposes is a [[Page...

45 CFR 32.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-10-01

...-tax debt to the United States. Delinquent debt means any non-tax debt that has not been paid by the... considered the last day of the period. Debt or claim means an amount of money, funds, or property that has been determined by the Secretary to be owed to the United States by an individual, including debt...

5 CFR 831.1305 - Collection of debts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Collection of debts. 831.1305 Section 831... (CONTINUED) RETIREMENT Collection of Debts § 831.1305 Collection of debts. (a) Means of collection. Collection of a debt may be made by means of offset under § 831.1306, or under any statutory provision...

20 CFR 367.2 - Past-due legally enforceable debt.

Code of Federal Regulations, 2010 CFR

2010-04-01

... RECOVERY OF DEBTS OWED TO THE UNITED STATES GOVERNMENT BY ADMINISTRATIVE OFFSET § 367.2 Past-due legally enforceable debt. A past-due legally enforceable debt which may be referred to another governmental agency for... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Past-due legally enforceable debt. 367.2...

26 CFR 1.166-1 - Bad debts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Bad debts. 1.166-1 Section 1.166-1 Internal... TAXES (CONTINUED) Itemized Deductions for Individuals and Corporations § 1.166-1 Bad debts. (a... shall be allowed in respect of bad debts owed to the taxpayer. For this purpose, bad debts shall...

The Race to Refinance Debt: Market Offers Opportunities to Reduce Interest Costs.

ERIC Educational Resources Information Center

DuPont, Lorrie A.

1992-01-01

In this interest market, colleges and universities could benefit from careful evaluation of debt portfolios. Refinancing debt is an opportunity to lower debt service costs, ease cash flow, change security pledges, eliminate debt service reserves, update bond documents. Timing is important. Existing and new bonds can also be combined…

29 CFR 1650.206 - Notification to Treasury.

Code of Federal Regulations, 2013 CFR

2013-07-01

... Regulations Relating to Labor (Continued) EQUAL EMPLOYMENT OPPORTUNITY COMMISSION DEBT COLLECTION Procedures... referring a debt to Treasury, EEOC will certify that the debt meets all of the requirements in § 1650.202..., the amount of the debt, the date on which the debt became past-due, and the designation of EEOC as the...

29 CFR 1650.206 - Notification to Treasury.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Regulations Relating to Labor (Continued) EQUAL EMPLOYMENT OPPORTUNITY COMMISSION DEBT COLLECTION Procedures... referring a debt to Treasury, EEOC will certify that the debt meets all of the requirements in § 1650.202..., the amount of the debt, the date on which the debt became past-due, and the designation of EEOC as the...

29 CFR 1650.206 - Notification to Treasury.

Code of Federal Regulations, 2014 CFR

2014-07-01

... Regulations Relating to Labor (Continued) EQUAL EMPLOYMENT OPPORTUNITY COMMISSION DEBT COLLECTION Procedures... referring a debt to Treasury, EEOC will certify that the debt meets all of the requirements in § 1650.202..., the amount of the debt, the date on which the debt became past-due, and the designation of EEOC as the...

29 CFR 1650.206 - Notification to Treasury.

Code of Federal Regulations, 2012 CFR

2012-07-01

... Regulations Relating to Labor (Continued) EQUAL EMPLOYMENT OPPORTUNITY COMMISSION DEBT COLLECTION Procedures... referring a debt to Treasury, EEOC will certify that the debt meets all of the requirements in § 1650.202..., the amount of the debt, the date on which the debt became past-due, and the designation of EEOC as the...

29 CFR 1650.206 - Notification to Treasury.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Regulations Relating to Labor (Continued) EQUAL EMPLOYMENT OPPORTUNITY COMMISSION DEBT COLLECTION Procedures... referring a debt to Treasury, EEOC will certify that the debt meets all of the requirements in § 1650.202..., the amount of the debt, the date on which the debt became past-due, and the designation of EEOC as the...

31 CFR 351.2 - How do I contact Public Debt?

Code of Federal Regulations, 2010 CFR

2010-07-01

... SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE General Information § 351.2 How do I contact Public Debt? You may contact Public Debt by e-mail at [email protected], or by writing to the following address: Bureau of the Public Debt...

International labor migration and external debt.

PubMed

Bustamante, J A

1987-01-01

The prevailing Mexican and US definitions of undocumented migration are poles apart. The US views it as a criminal problem. Mexicans view the undocumented migrants as actors in an economic game in which the rules are extremely disadvantageous to these migrants. Migrants themselves and their communities view the undocumented as a positive element. It is necessary to move toward a bilateral focus and bilateral negotiation on the issue of migratory workers. This proposal derives from several assumptions: 1) the external debt is a bilateral or multilateral issue, 2) it is important to avoid forcing debtor countries to choose between stimulating economic growth or making payment on their foreign debt, 3) prevailing public opinion in the US favors halting undocumented migration, 4) the US views the migration of undocumented Mexicans as the result of forces endogenous to Mexico and exogenous to the US, 5) the US views both Mexico's ability to make payment on its external debt and to halt emigration as tied to the Mexican government's ability or inability to reconcile political stability with scarce monetary resources, and 6) political instability in Mexico could augment emigration to the US and undermine Mexico's ability to address its foreign debt. The following proposal suggests means to link negotiation on the external debt to that of undocumented migration: 1) The Mexican government could reach an accord with the US to channel a portion of the actual interest on the external debt as a fund to be invested in Mexico to construct a system of labor intensive agroindustrial productive units designed to attract former or potential migratory workers; 2) the total amount of these funds would be deducted from interest payments on the principal of the actual external debt and redefined as an ad hoc loan to Mexico to finance these production units; 3) part of the production from these units would be incorporated into ongoing US food relief and food assistance programs; 4) the program by which the US would import the production of these agroindustrial units in Mexico would retain previously migratory workers in Mexico; 5) a feasibility study would precede implementing an accord on the amount of financing and the terms of operation; and 6) the time during the binational study would be a grace period, during which payment of a portion of the interest of Mexico's foreign debt would be temporarily suspended.

The Federal Government Debt: Its Size and Economic Significance

DTIC Science & Technology

2009-03-04

growth is critical to economic stability . As long as the debt grows more rapidly than output, the ratio of debt to gross domestic product (GDP) will rise...the budget deficit, the rate of interest, and the rate of growth in GDP. What matters most, as far as economic stability is concerned, is what...debt and the overall rate of economic growth is critical to economic stability . As long as the debt grows more rapidly than output, the ratio of debt

The Federal Government Debt: Its Size and Economic Significance

DTIC Science & Technology

2010-02-03

growth rate of the federal debt and the overall rate of economic growth is critical to economic stability . As long as the debt grows more rapidly than...most, as far as economic stability is concerned, is what investors believe to be the long-run outlook for the debt-to-GDP ratio. If large deficits...between the growth rate of the federal debt and the overall rate of economic growth is critical to economic stability . As long as the debt grows more

The use of debt.

PubMed

Hood, W L; Loughery, C V

1990-05-01

Stewards of Catholic healthcare organizations must proceed cautiously before embarking on new construction or renovation projects. Many important issues are involved in financing such projects, including business risk, financial philosophy, financial structure, and forms of debt. The proper foundation for any financing structure must begin with financial philosophy. Some healthcare facilities have traditionally used no external financing; others have employed significant levels of debt. To determine a proper level of debt for the project(s) being financed, it is important to look at business risk. If a modest decline in revenues (or a similar increase in costs) would threaten the project's viability, the business risk would be high; therefore prudence would dictate that the level of debt undertaken be relatively small. A separate analysis is required to determine the appropriate mix of floating-rate and fixed-rate long-term debt. As a rule of thumb, fixed-rate debt would typically form two thirds of the debt structure; floating-rate debt, no more than one third. For healthcare, debt can take two forms: tax exempt and taxable. Tax-exempt financing has many constraints, including use of proceeds by a tax-exempt entity, arbitrage rules, tax legislation, and financial disclosure laws. Taxable debt can be issued by private placement or on a publicly traded basis.

What Can Tobit-Piecewise Regression Tell Us about the Determinants of Household Educational Debt?

ERIC Educational Resources Information Center

Thipbharos, Titirut

2014-01-01

Educational debt as part of household debt remains a problem for Thailand. The significant factors of household characteristics with regard to educational debt are shown by constructing a Tobit-piecewise regression for three different clusters, namely poor, middle and affluent households in Thailand. It was found that household debt is likely to…

12 CFR 313.122 - Notification of debt to FMS.

Code of Federal Regulations, 2010 CFR

2010-01-01

... PROCEDURES FOR CORPORATE DEBT COLLECTION Tax Refund Offset § 313.122 Notification of debt to FMS. The FDIC shall notify FMS of the amount of any past due, legally enforceable non-tax debt owed to it by a person, for the purpose of collecting such debt by tax refund offset. Notification and referral to FMS of such...

45 CFR 2506.7 - Why does the Corporation have to collect debts?

Code of Federal Regulations, 2010 CFR

2010-10-01

... NATIONAL AND COMMUNITY SERVICE COLLECTION OF DEBTS Introduction § 2506.7 Why does the Corporation have to collect debts? Federal agencies are required to try to collect claims or debts of the Federal Government... 45 Public Welfare 4 2010-10-01 2010-10-01 false Why does the Corporation have to collect debts...

7 CFR 792.20 - Reporting discharged debts to IRS.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Government's ability to prove its case in court for the full amount of the debt. (2) The amount of a debt... 7 Agriculture 7 2010-01-01 2010-01-01 false Reporting discharged debts to IRS. 792.20 Section 792..., DEPARTMENT OF AGRICULTURE PROVISIONS COMMON TO MORE THAN ONE PROGRAM DEBT SETTLEMENT POLICIES AND PROCEDURES...

Student Debt and the Class of 2008

ERIC Educational Resources Information Center

Reed, Matthew; Cheng, Diane

2009-01-01

This paper is the fourth annual report on the student loan debt of new college graduates. This analysis of the most recent available data found that student debt continued to rise even as it got harder for recent graduates to find jobs, and that debt levels vary considerably from state to state and college to college. Nationwide, average debt for…

36 CFR 1011.14 - How will the Presidio Trust report debts to credit bureaus?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false How will the Presidio Trust... TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.14 How will the Presidio Trust report debts to credit bureaus? The Presidio Trust will report delinquent debts to credit bureaus in...

DebtRank a centrality measure for financial systems and beyond

NASA Astrophysics Data System (ADS)

Caldarelli, Guido; Battiston, Stefano; Puliga, Michelangelo; Kaushik, Rahul; Tasca, Paolo; Chair of System Design Collaboration; IMT Alti Studi Lucca Collaboration

2013-03-01

Use of network theory made possible to measure quantitatively many features of social and technological systems. In this spirit, inspired by traditional measures of centrality we introduce DebtRank a novel measure of systemic impact. We that we intend the risk of default of a large portion of the financial system, depends on the network of financial exposures among institutions. As an application, we analyse a new and unique dataset on the USD 1.2 trillion FED emergency loans program to global financial institutions during 2008-2010. We find that a group of 22 institutions, which received most of the funds, form a strongly connected graph where each of the nodes becomes systemically important at the peak of the crisis. Moreover, a systemic default could have been triggered even by small dispersed shocks. Other application to different systems are also presented.

Does student debt affect dental students' and dentists' stress levels?

PubMed

Boyles, J D; Ahmed, B

2017-10-27

Introduction Many studies have shown financial worries and debt to induce stress in individuals, this combined with the existing stress of being a dentist raises the question of how student debt affects students' and dentists' stress levels.Objectives Determine whether student debt has had any noticeable effect on student stress levels; investigate whether student debt has any effect on dentists' career choice; investigate whether the increase in tuition fees has influenced the number of applicants to study dentistry at the University of Birmingham.Method Anonymous questionnaires were completed by 70 4th year and 38 5th year BDS and 22 Dental Core Trainees (DCTs). Participants circled the response which best fitted their situation regarding statements on their level of stress and future career path. Ethical approval granted. Application figures to study dentistry obtained from head of admissions.Results Forty-two percent of males and 63% of females strongly agreed with the statement that having no debt would reduce their stress levels. Of those with debt >£40,000, 11% strongly agreed and 42% agreed that their total amount of student debt causes them stress. Whereas, those whose debt is <£40,000 only 2% strongly agreed and 28% agreed that their total amount of student debt causes them stress. Seventy-seven percent of participants who had parental or family financial support reported this reduced their stress levels. Student debt was found to deter females from undertaking further study more than it deters males (P <0.001). Students with a higher level of debt were more likely to worry about their total student loan(s) (P <0.001). Moreover, students with a higher level of debt were more likely to be stressed about their total student loan(s) (P <0.001). Parental/family contribution to student expenses reduces student stress (P <0.001). Applications to study dentistry since the rise in tuition fees have decreased by 42%.Conclusion Student debt has had an impact on student stress; students reporting a higher level of debt also report more stress and concern about paying off their student debt. Having no student debt would reduce stress levels, although to what extent is undetermined. Applications to study dentistry have fallen since the increase in tuition fees.

26 CFR 1.593-7 - Establishment and treatment of reserves for bad debts.

Code of Federal Regulations, 2010 CFR

2010-04-01

....593-10. (2) Bad debt losses. Any bad debt in respect of a nonqualifying loan shall be charged against the reserve for losses on nonqualifying loans, and any bad debt in respect of a qualifying real... option of the taxpayer, however, any bad debt in respect of either class of loans may be charged in whole...

31 CFR 5.2 - Why is the Treasury Department issuing these regulations and what do they cover?

Code of Federal Regulations, 2010 CFR

2010-07-01

... Department employees). (2) This part does not apply to tax debts nor to any debt for which there is an... the Secretary of the Treasury TREASURY DEBT COLLECTION General Provisions § 5.2 Why is the Treasury... collection of Treasury debts. This part also provides procedures for collection of other debts owed to the...

47 CFR 1.1917 - Referrals to the Department of Justice and transfer of delinquent debt to the Secretary of Treasury.

Code of Federal Regulations, 2010 CFR

2010-10-01

... Commission will cease all collection activity related to that debt. (c) All non-tax debts of claims owed to... transfer of delinquent debt to the Secretary of Treasury. 1.1917 Section 1.1917 Telecommunication FEDERAL... of Justice and transfer of delinquent debt to the Secretary of Treasury. (a) Referrals to the...

36 CFR 1011.5 - What interest, penalty charges and administrative costs will the Presidio Trust add to a debt?

Code of Federal Regulations, 2010 CFR

2010-07-01

... charges and administrative costs will the Presidio Trust add to a debt? 1011.5 Section 1011.5 Parks, Forests, and Public Property PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.5 What interest, penalty charges and administrative costs will the Presidio Trust add to a debt...

36 CFR 1011.4 - What notice will the Presidio Trust send to a debtor when collecting a debt?

Code of Federal Regulations, 2010 CFR

2010-07-01

... PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.4 What notice will the Presidio Trust send to a debtor when collecting a debt? (a) Notice requirements. The Presidio Trust will aggressively collect debts. The Presidio Trust will send at least one written notice to a debtor informing the...

Anticipated debt and financial stress in medical students.

PubMed

Morra, Dante J; Regehr, Glenn; Ginsburg, Shiphra

2008-01-01

While medical student debt is increasing, the effect of debt on student well-being and performance remains unclear. As a part of a larger study examining medical student views of their future profession, data were collected to examine the role that current and anticipated debt has in predicting stress among medical students. A survey was administered to medical students in all four years at the University of Toronto. Of the 804 potential respondents across the four years of training, 549 surveys had sufficient data for inclusion in this analysis, for a response rate of 68%. Through multiple regression analysis, we evaluated the correlation between current and anticipated debt and financial stress. Although perceived financial stress correlates with both current and anticipated debt levels, anticipated debt was able to account for an additional 11.5% of variance in reported stress when compared to current debt levels alone. This study demonstrates a relationship between perceived financial stress and debt levels, and suggests that anticipated debt levels might be a more robust metric to capture financial burden, as it standardizes for year of training and captures future financial liabilities (future tuition and other future expenses).

Student Debt Spans Generations: Characteristics of Parents Who Borrow to Pay for Their Children's College Education.

PubMed

Walsemann, Katrina M; Ailshire, Jennifer A

2017-10-01

Discussions of student debt often overlook the debt parents take on to pay for their children's education. We identify characteristics of parents with child-related educational debt among the late baby boom cohort. Data come from the National Longitudinal Survey of Youth 1979, a nationally representative sample of individuals born between 1957 and 1964. We restrict our sample to parents who had any children aged ≥17 and answered questions on educational debt during midlife (n = 6,562). Craggit models estimated (a) having any child-related educational debt and (b) the amount of debt owed among debtors. Black parents and parents with more education, higher income, and higher net worth were more likely to report child-related educational debt than White parents and parents with no degree, low-income, or negative net worth. Among debtors, high-income parents had more debt than low-income parents. Our findings suggest concerns about the student debt crisis should extend to aging parents. © The Author 2016. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Public Debt: Private Asset. Government Debt and Its Role in the Economy.

ERIC Educational Resources Information Center

Schilling, Tim

In 1981, the United States reached a dubious economic milestone--the federal debt surpassed one trillion dollars for the first time. It took more than 200 years to build up that much debt. The federal debt doubled to two trillion by 1986, hit the three trillion level in 1990, and stands at an estimated five-and-a-half trillion for 1998. Just as…

78 FR 3498 - Debt Management Advisory Committee Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-16

... DEPARTMENT OF THE TREASURY Departmental Offices Debt Management Advisory Committee Meeting Notice.... of the following debt management advisory committee: Treasury Borrowing Advisory Committee of The... decisions on major financing operations. Historically, this advice has been offered by debt management...

24 CFR 350.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Security) maintained in the Book-entry System, as set forth in Federal Reserve Bank Operating Circulars. (b...: Book-entry Ginnie Mae Security. A Ginnie Mae Security issued or maintained in the Book-entry System... Reserve Banks. Book-entry System. The automated book-entry system operated by the Federal Reserve Banks...

77 FR 54862 - Integrated Hedging Transactions of Qualifying Debt

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-06

... Integrated Hedging Transactions of Qualifying Debt AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... certain integrated transactions that involve a foreign currency denominated debt instrument and multiple... foreign currency denominated debt instrument and multiple associated hedging transactions. The text of...

45 CFR 1150.30 - Which debts can the Endowment refer to the Treasury for collection by offsetting tax refunds?

Code of Federal Regulations, 2010 CFR

2010-10-01

... ENDOWMENT FOR THE ARTS COLLECTION OF CLAIMS Tax Refund Offset § 1150.30 Which debts can the Endowment refer... enforceable debt referable to the Treasury for tax refund offset is a debt that is owed to the Endowment and... the Treasury regulations relating to the eligibility of a debt for tax return offset (31 CFR 285.2...

Genetic Counseling Graduate Student Debt: Impact on Program, Career and Life Choices

PubMed Central

Kuhl, Ashley; Reiser, Catherine; Eickhoff, Jens; Petty, Elizabeth M

2015-01-01

The cost of education is rising, increasing student financial aid and debt for students pursuing higher education. A few studies have assessed the impact of student debt in medicine, physical therapy and social work, but little is known about the impact of student debt on genetic counseling students and graduates. To address this gap in knowledge, a web-based study of 408 recent alumni of genetic counseling programs in North America was conducted to assess the impact of student debt on program, career and life choices. Over half (63%; n=256/408) of the participants reported that loans were extremely important in their ability to attend their training program, with most using subsidized loans no longer available to current graduate students. While participants were generally satisfied with their genetic counseling education, 83% (n=282/342) of participants with student debt reported feeling burdened by their debt, which had a median of $40,000-$50,000. This debt is relatively close to the median starting salary reported by survey participants ($45,000-$50,000), breaching the “20-10 rule” that states student debt should not exceed 20% of annual net income. In response to this critical issue, we propose recommendations for the genetic counseling field that may help alleviate student debt impact and burden. PMID:24578121

Take a Strategic Direction with Debt.

ERIC Educational Resources Information Center

Augustine, John H.

2002-01-01

Offers advice to higher education institutions about financing decisions on their debt portfolios. Addresses developing a debt management framework, factors affecting strategy, interest rate management, establishing a debt management benchmark, and adopting a prospective approach. Sidebars discuss the trade-offs of credit offerings, and…

In Sickness and in Debt: Do Mounting Medical Bills Predict Payday Loan Debt?

PubMed

Bickham, Trey; Lim, Younghee

2015-01-01

Cash-strapped families sometimes turn to small, short-term loans with exorbitant fees—payday loans—to cope with mounting medical bills. Given that about three-fourths of payday loan customers are repeat borrowers, consumer advocates and policymakers have increasingly raised voices of concern about the use of payday loans to finance various household expenses, including, among other things, medical bills. The present study hypothesized that increases in medical debt are associated with increases in payday loan debt among a sample of Chapter 7 bankruptcy filers. The results of a multivariate tobit regression analysis showed that medical debt was associated with increased payday loan debt, controlling for various types of debt and other socioeconomic variables. This article concludes with implications of the results for social work policy- and direct-practice.

The contribution of fiscal/financial decentralization to the debt expansion of the local financing platform

NASA Astrophysics Data System (ADS)

Huayang, Yin; Di, Zhou; Bing, Cui

2018-02-01

Using soft budget theory to explore the formation mechanism and the deep institutional incentive of the local financing platform debt expansion from the perspective of fiscal / financial decentralization, construct theoretical framework which explain the expansion of local debt financing platform and conduct an empirical test, the results showed that the higher the degree of fiscal decentralization, fiscal autonomy as a soft constraint body of local government the stronger, local financing platform debt scale is greater; the higher the degree of financial decentralization, local government and financial institutions have the higher autonomy with respect to the central, local financing platform debt scale is bigger; financial synergy degree is stronger, local government financial mutual supervision prompted the local government debt more transparency, local debt financing platform size is smaller.

Survey of emergency medicine resident debt status and financial planning preparedness.

PubMed

Glaspy, Jeffrey N; Ma, O John; Steele, Mark T; Hall, Jacqueline

2005-01-01

Most resident physicians accrue significant financial debt throughout their medical and graduate medical education. The objective of this study was to analyze emergency medicine resident debt status, financial planning actions, and educational experiences for financial planning and debt management. A 22-item questionnaire was sent to all 123 Accreditation Council on Graduate Medical Education-accredited emergency medicine residency programs in July 2001. Two follow-up mailings were made to increase the response rate. The survey addressed four areas of resident debt and financial planning: 1) accrued debt, 2) moonlighting activity, 3) financial planning/debt management education, and 4) financial planning actions. Descriptive statistics were used to analyze the data. Survey responses were obtained from 67.4% (1,707/2,532) of emergency medicine residents in 89 of 123 (72.4%) residency programs. Nearly one half (768/1,707) of respondents have accrued more than 100,000 dollars of debt. Fifty-eight percent (990/1,707) of all residents reported that moonlighting would be necessary to meet their financial needs, and more than 33% (640/1,707) presently moonlight to supplement their income. Nearly one half (832/1,707) of residents actively invested money, of which online trading was the most common method (23.3%). Most residents reported that they received no debt management education during residency (82.1%) or medical school (63.7%). Furthermore, 79.1% (1,351/1,707) of residents reported that they received no financial planning lectures during residency, although 84.2% (1,438/1,707) reported that debt management and financial planning education should be available during residency. Most emergency medicine residency programs do not provide their residents with financial planning education. Most residents have accrued significant debt and believe that more financial planning and debt management education is needed during residency.

Is Medical Student Choice of a Primary Care Residency Influenced by Debt?

PubMed Central

Kahn, Marc J.; Markert, Ronald J.; Lopez, Fred A.; Specter, Steven; Randall, Howard; Krane, N. Kevin

2006-01-01

Context The average medical student accumulates more than $120,000 in debt upon graduation. Objective The purpose of this study was to investigate whether medical student debt affects residency choice. Design This was a cross-sectional research study. Setting This study was a 5-year analysis of student debt and residency choice for 2001–2005 graduates from 3 US medical schools (n = 2022): Tulane University School of Medicine, New Orleans, Louisiana; University of South Florida College of Medicine, Tampa, Florida; and Louisiana State University School of Medicine in New Orleans. Main outcome measures Individual student data were collected from offices of financial aid for debt prior to and during medical school to determine total debt at graduation. Total debt (adjusted for inflation) was compared with residency match results coded according to specialties listed in the Graduate Medical Education Directory 2005–2006. Graduates were coded into either primary care (PC) or nonprimary care (NPC) specialty categories. Logistic regression for the choice of a PC residency was used with 4 predictors: (1) total debt, (2) medical school, (3) year of graduation, and (4) number of years of training required for a residency program. Results Mean total debt for the study population was $89,807 (SD = 54,925). Graduates entering PC did not have significantly less total debt than those entering NPC ($87,206 vs $91,430; P = .09). Further, total debt was not a predictor of a PC residency after adjusting for medical school, year of graduation, and years of training in residency (P = .64). Conclusion There is no association between PC residency choice and debt. We conclude that medical students make residency decisions on the basis of a complex set of factors. PMID:17415301

Parental Debt and Children's Socioemotional Well-being.

PubMed

Berger, Lawrence M; Houle, Jason N

2016-02-01

We estimated associations between total amount of parental debt and of home mortgage, student loan, automobile, and unsecured debt with children's socioemotional well-being. We used population-based longitudinal data from the National Longitudinal Study of Youth 1979 Cohort and Children of the National Longitudinal Study of Youth 1979 Cohort. Our analytic sample consisted of 29 318 child-year observations of 9011 children and their mothers observed annually or biennially from 1986 to 2008. We used the Behavioral Problems Index to measure socioemotional well-being. We used ordinary least squares regressions to estimate between-child associations of amounts and types of parental debt with socioemotional well-being, net of a host of control variables, and regressions with child-specific fixed effects to estimate within-child associations of changes in parental debt with changes in socioemotional well-being, net of all time-constant observed and unobserved confounders. Greater total debt was associated with poorer child socioemotional well-being. However, this association varied by type of debt. Specifically, higher levels of home mortgage and education debt were associated with greater socioemotional well-being for children, whereas higher levels of and increases in unsecured debt were associated with lower levels of and declines in child socioemotional well-being. Debt that allows for investment in homes (and perhaps access to better neighborhoods and schools) and parental education is associated with greater socioemotional well-being for children, whereas unsecured debt is negatively associated with socioemotional development, which may reflect limited financial resources to invest in children and/or parental financial stress. This suggests that debt is not universally harmful for children's well-being, particularly if used to invest in a home or education. Copyright © 2016 by the American Academy of Pediatrics.

Debt swapping as a tool for economic and social stabilization in Russia's closed nuclear cities (briefing paper)

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

JL Fuller; KM Leek

2000-03-08

The next great issue on the Russian landscape will be management of its foreign debt. In the near future the United States will be called upon to lead an international program of debt restructuring to assist Russia in overcoming the burden of its debt trap. With debt service obligations equal to 50{percent} of 1999 revenues, Russia has virtually no chance of sustaining a program of economic recovery without debt relief (Hardt, 1999). With some form of debt restructuring a foregone conclusion, Russia, the United States, and world community have a vital stake in searching for creative ways to transform themore » inevitability of debt restructuring into something of value and constructive to Russia and the problems it faces. This was the rationale behind debt-for-nature swaps which emerged in the early 1980s in Latin American and Eastern Europe as a means of relieving developing nations of their crippling foreign debt. Debt-for-nature swaps served both domestic and international needs by converting a portion of foreign debt, often at steep discounts, into local currency that was then used to fund programs to preserve the environment. The debt swap mechanism provides the prospect of getting something of real value where nothing is expected. The Pacific Northwest National Laboratory (PNNL) has proposed to use the same model to synergistically capitalize defense threat reduction activities and environmental remediation within Russia's closed nuclear cities. Preventing the emigration of nuclear technology, expertise, and hardware from these cities to subnational groups and countries of proliferation concern is one of the world's foremost pressing problems. It is in the best national security interest of the United states to assist Russia in overcoming the legacy of the Cold War by helping to address the catastrophic environmental and public health effects of nuclear production that negatively impact economic stabilization.« less

7 CFR 1951.894 - Debt settlement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Debt settlement. 1951.894 Section 1951.894 Agriculture... REGULATIONS (CONTINUED) SERVICING AND COLLECTIONS Rural Development Loan Servicing § 1951.894 Debt settlement. Debt settlement of all claims will be handled in accordance with the Federal Claims Collection...

7 CFR 1956.136 - Chargeoff.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Chargeoff. 1956.136 Section 1956.136 Agriculture... REGULATIONS (CONTINUED) DEBT SETTLEMENT Debt Settlement-Community and Business Programs § 1956.136 Chargeoff. (a) Judgment debts. Subject to the provisions of § 1956.112(d) of this subpart, judgment debts...

12 CFR 37.8 - Safety and soundness requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... effective risk management and control processes over its debt cancellation contracts and debt suspension... manage the risks associated with debt cancellation contracts and debt suspension agreements in accordance... the products. A bank also should assess the adequacy of its internal control and risk mitigation...

12 CFR 37.8 - Safety and soundness requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... effective risk management and control processes over its debt cancellation contracts and debt suspension... manage the risks associated with debt cancellation contracts and debt suspension agreements in accordance... the products. A bank also should assess the adequacy of its internal control and risk mitigation...

The burden of debt for Canadian dental students: part 1. Review of the literature.

PubMed

Matthew, Ian R; Walton, Joanne N; Dumaresq, Cheryl; Sudmant, Walter

2006-09-01

Debt among Canadian university graduates is increasing, while money apportioned to federal and provincial needs-based student assistance programs has been decreasing since the 1990s. Dental students have had to absorb increased tuition fees at both the undergraduate and post-baccalaureate levels. Existing debt and high tuition fees may adversely influence a potential candidate"s decision to enroll in dental school. Likewise, debt incurred during the minimum 2 years of pre-dental education adds to the future debt load of dental graduates. It seems that few dental students can remain debt-free during their dental education, although data are lacking about the extent of debt among dental students and its impact on their career decisions. Government statistics focus primarily on tuition costs for baccalaureate-degree students. Tuition and clinic-related fees constitute a significant proportion of costs for dental students; moreover, university administrations perceive dentistry as an expensive curriculum. This first article of a 4-part series examines debt among dental students, both nationally and internationally.

The effect of education debt on dentists' career decisions.

PubMed

Nicholson, Sean; Vujicic, Marko; Wanchek, Tanya; Ziebert, Anthony; Menezes, Adriana

2015-11-01

The purpose of the study was to determine whether there is an association between the amount of education debt on completing dental school (initial debt) and certain career decisions. The authors surveyed 1,842 practicing dentists who completed dental school between 1996 and 2011 to ascertain their initial education debt, the balance on their debt in 2013, and a variety of specialization and practice decisions made during their careers. Data also included demographic characteristics and parental income and education levels. Dentists with higher initial debt were less likely to specialize and more likely to enter private practice, accept high-paying jobs on graduation, and work longer hours. Choice of employment setting, practice ownership, and whether to provide Medicaid and charity care were associated with dentists' sexes and races but not debt. High debt levels influenced some career decisions, but the magnitude of these effects was small compared with the effects of demographic characteristics, including race and sex, on career choices. Policy makers concerned about the influence of student debt on the professional decisions of dental school graduates should recognize that students' demographic characteristics may be more powerful in driving career choices. Copyright © 2015 American Dental Association. Published by Elsevier Inc. All rights reserved.

7 CFR 1956.109 - General requirements for debt settlement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true General requirements for debt settlement. 1956.109 Section 1956.109 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING... and Business Programs § 1956.109 General requirements for debt settlement. (a) Debt due and payable...

20 CFR 422.306 - Report of overdue administrative debts to credit reporting agencies.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., status, and history of the debt; (4) The debtor has the right to a complete explanation of the debt; (5...; (6) The debtor may request a review of the debt by giving us evidence showing that he or she does not...

76 FR 1063 - Modifications of Debt Instruments

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-07

... modified instrument received in an exchange will be classified as debt for Federal income tax purposes... properly classified as debt for Federal income tax purposes. Effective/Applicability Date The regulations... right that is not debt for federal income tax purposes. Paragraph (g) of this section contains examples...

41 CFR 105-56.014 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-07-01

... centralized salary offset computer matching, identify Federal employees who owe delinquent non-tax debt to the... satisfy delinquent non-tax debt owed to the United States. GSA will pursue, when appropriate, such debt... (FMS) administrative offset program, to collect delinquent debts owed to the Federal Government. This...

5 CFR 845.205 - Collection of debts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... interest of the United States. (c) Collection in installments. (1) Whenever feasible, debts will be... an offset would substantially prejudice the Government's ability to collect the debt; and the time... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Collection of debts. 845.205 Section 845...

77 FR 62312 - Debt Management Advisory Committee; Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-12

... DEPARTMENT OF THE TREASURY Debt Management Advisory Committee; Meeting Notice is hereby given... Pennsylvania Avenue NW.,Washington, DC, on October 30, 2012 at 11:30 a.m. of the following debt management... advice has been offered by debt management advisory committees established by the several major segments...

Latin American Debt: Opportunities for Universities.

ERIC Educational Resources Information Center

Garg, Ramesh C.

The debt crisis of the lesser developed countries (LDCs) may provide opportunities for educational institutions. Through debt-for-education programs, a part of the huge debt load can be channelled into financing various educational programs sponsored by U.S. higher education institutions. Private commercial banks and multinational corporations are…

26 CFR 1.1286-2 - Stripped inflation-protected debt instruments.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 11 2013-04-01 2013-04-01 false Stripped inflation-protected debt instruments... Losses § 1.1286-2 Stripped inflation-protected debt instruments. Stripped inflation-protected debt instruments. If a Treasury Inflation-Protected Security is stripped under the Department of the Treasury's...

26 CFR 1.1286-2 - Stripped inflation-protected debt instruments.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 11 2014-04-01 2014-04-01 false Stripped inflation-protected debt instruments... Losses § 1.1286-2 Stripped inflation-protected debt instruments. Stripped inflation-protected debt instruments. If a Treasury Inflation-Protected Security is stripped under the Department of the Treasury's...

76 FR 1409 - Privacy Act of 1974; System of Records

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-10

... 17) can be deleted. The records covered by this system are also covered by Defense Finance and Accounting Service records notice T7332, Defense Debt Management System (February 19, 2009, 74 FR 7665). [FR...

An Application of Robust Method in Multiple Linear Regression Model toward Credit Card Debt

NASA Astrophysics Data System (ADS)

Amira Azmi, Nur; Saifullah Rusiman, Mohd; Khalid, Kamil; Roslan, Rozaini; Sufahani, Suliadi; Mohamad, Mahathir; Salleh, Rohayu Mohd; Hamzah, Nur Shamsidah Amir

2018-04-01

Credit card is a convenient alternative replaced cash or cheque, and it is essential component for electronic and internet commerce. In this study, the researchers attempt to determine the relationship and significance variables between credit card debt and demographic variables such as age, household income, education level, years with current employer, years at current address, debt to income ratio and other debt. The provided data covers 850 customers information. There are three methods that applied to the credit card debt data which are multiple linear regression (MLR) models, MLR models with least quartile difference (LQD) method and MLR models with mean absolute deviation method. After comparing among three methods, it is found that MLR model with LQD method became the best model with the lowest value of mean square error (MSE). According to the final model, it shows that the years with current employer, years at current address, household income in thousands and debt to income ratio are positively associated with the amount of credit debt. Meanwhile variables for age, level of education and other debt are negatively associated with amount of credit debt. This study may serve as a reference for the bank company by using robust methods, so that they could better understand their options and choice that is best aligned with their goals for inference regarding to the credit card debt.

Analysis of 2011 physician assistant education debt load.

PubMed

Moore, Miranda A; Coffman, Megan; Cawley, James F; Crowley, Diana; Miller, Anthony; Klink, Kathleen

2017-03-01

This study seeks to investigate how physician assistants (PAs) finance their education and to characterize the educational debt of PA students. Data from the 2011 American Academy of PAs (AAPA)-Physician Assistant Education Association Graduating Student Survey were used to explore the educational debt of PA students. The median total educational debt of a PA student graduating in 2011 was $80,000. Little financial assistance, other than student loans, is available to PA students. Eighty-five percent of PA students report owing some PA education debt amount, with 23% owing at least $100,000. This study provides a baseline look at PA student debt loads as a starting point for more detailed and robust research into new graduate specialty choices and PA career migration into other specialties. Further research is needed to explore the effect of student debt on students' specialty choices.

Can't afford a baby? Debt and young Americans.

PubMed

Nau, Michael; Dwyer, Rachel E; Hodson, Randy

2015-12-01

This article explores the role of personal debt in the transition to parenthood. We analyze data from the National Longitudinal Study of Youth-1997 cohort and find that for the generation coming of age in the 2000s, student loans delay fertility for women, particularly at very high levels of debt. Home mortgages and credit card debt, in contrast, appear to be precursors to parenthood. These results indicate that different forms of debt have different implications for early adulthood transitions: whereas consumer loans or home mortgages immediately increase access to consumption goods, there is often a significant delay between the accrual and realization of benefits for student loans. The double-edged nature of debt as both barrier and facilitator to life transitions highlights the importance of looking at debt both as a monetary issue and also as a carrier of social meanings.

The High Price of Debt: Household financial debt and its impact on mental and physical health

PubMed Central

Nandi, Arijit; Adam, Emma; McDade, Thomas

2013-01-01

Household financial debt in America has risen dramatically in recent years. While there is evidence that debt is associated with adverse psychological health, its relationship with other health outcomes is relatively unknown. We investigate the associations of multiple indices of financial debt with psychological and general health outcomes among 8400 young adult respondents from the National Longitudinal Study of Adolescent Health (Add Health). Our findings show that reporting high financial debt relative to available assets is associated with higher perceived stress and depression, worse selfreported general health, and higher diastolic blood pressure. These associations remain significant when controlling for prior socioeconomic status, psychological and physical health, and other demographic factors. The results suggest that debt is an important socioeconomic determinant of health that should be explored further in social epidemiology research. PMID:23849243

The Color of Debt: Racial Disparities in Anticipated Medical Student Debt in the United States

PubMed Central

Dugger, Robert A.; El-Sayed, Abdulrahman M.; Dogra, Anjali; Messina, Catherine; Bronson, Richard; Galea, Sandro

2013-01-01

Context The cost of American medical education has increased substantially over the past decade. Given racial/ethnic inequalities in access to financial resources, it is plausible that increases in student debt burden resulting from these increases in cost may not be borne equally. Objective To evaluate racial/ethnic disparities in medical student debt. Design, Setting, and Participants Authors collected self-reported data from a non-representative sample of 2414 medical students enrolled at 111/159 accredited US medical schools between December 1st 2010 and March 27th 2011. After weighting for representativeness by race and class year and calculating crude anticipated debt by racial/ethnic category, authors fit multivariable regression models of debt by race/ethnicity adjusted for potential confounders. Main Outcome Measures Anticipated educational debt upon graduation greater than $150,000. Results 62.1% of medical students anticipated debt in excess of $150,000 upon graduation. The proportion of Blacks, Whites, Hispanics, and Asians reporting anticipated educational debt in excess of $150,000 was 77.3%, 65.1%, 57.2% and 50.2%, respectively. Both Black and White medical students demonstrated a significantly higher likelihood of anticipated debt in excess of $150,000 when compared to Asians [Blacks (OR = 2.7, 1.3–5.6), Whites (OR = 1.7, 1.3–2.2)] in adjusted models. Conclusion Black medical students had significantly higher anticipated debt than Asian students. This finding has implications for understanding differential enrollment among minority groups in US medical schools. PMID:24019975

24 CFR 811.108 - Debt service reserve.

Code of Federal Regulations, 2011 CFR

2011-04-01

... funding of the debt service reserve. Any excess investment income shall be added to the debt service reserve. In the event such investment income is insufficient, surplus cash or residual receipts, to the... the owner's debt service payment. Any excess investment income shall be added to and become part of...

7 CFR 1956.112 - Debts ineligible for settlement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Debts ineligible for settlement. 1956.112 Section 1956.112 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL... § 1956.112 Debts ineligible for settlement. Debts will not be settled: (a) If referral to the Office of...

7 CFR 1956.75 - Chargeoff.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 14 2010-01-01 2009-01-01 true Chargeoff. 1956.75 Section 1956.75 Agriculture... REGULATIONS (CONTINUED) DEBT SETTLEMENT Debt Settlement-Farm Loan Programs and Multi-Family Housing § 1956.75 Chargeoff. (a) Judgment debts. Subject to the provisions of § 1956.57(g)(3), judgment debts may be charged...

26 CFR 1.1286-2 - Stripped inflation-indexed debt instruments.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 11 2010-04-01 2010-04-01 true Stripped inflation-indexed debt instruments. 1....1286-2 Stripped inflation-indexed debt instruments. Stripped inflation-indexed debt instruments. If a Treasury Inflation-Indexed Security is stripped under the Department of the Treasury's Separate Trading of...

76 FR 64429 - Senior Executive Service; Public Debt Performance Review Board (PRB)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-10-18

... DEPARTMENT OF THE TREASURY Bureau of the Public Debt Senior Executive Service; Public Debt Performance Review Board (PRB) AGENCY: Bureau of the Public Debt, Treasury. ACTION: Notice of Members of... reviews the performance appraisals of career senior executives who are below the level of Assistant...

29 CFR 1650.202 - Past-due legally enforceable debt.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 29 Labor 4 2010-07-01 2010-07-01 false Past-due legally enforceable debt. 1650.202 Section 1650.202 Labor Regulations Relating to Labor (Continued) EQUAL EMPLOYMENT OPPORTUNITY COMMISSION DEBT COLLECTION Procedures for the Collection of Debts by Federal Tax Refund Offset § 1650.202 Past-due legally...

49 CFR 89.31 - Use of professional debt collection agencies.

Code of Federal Regulations, 2010 CFR

2010-10-01

... agencies except for those debts owed by State and local governments, other Federal agencies, current... 49 Transportation 1 2010-10-01 2010-10-01 false Use of professional debt collection agencies. 89... FEDERAL CLAIMS COLLECTION ACT Collection of Claims § 89.31 Use of professional debt collection agencies...

42 CFR 413.89 - Bad debts, charity, and courtesy allowances.

Code of Federal Regulations, 2013 CFR

2013-10-01

... SERVICES; OPTIONAL PROSPECTIVELY DETERMINED PAYMENT RATES FOR SKILLED NURSING FACILITIES Specific... allowable costs. (e) Criteria for allowable bad debt. A bad debt must meet the following criteria to be... amount of allowable bad debt (as defined in paragraph (e) of this section) is reduced: (i) For cost...

42 CFR 413.89 - Bad debts, charity, and courtesy allowances.

Code of Federal Regulations, 2014 CFR

2014-10-01

... SERVICES; OPTIONAL PROSPECTIVELY DETERMINED PAYMENT RATES FOR SKILLED NURSING FACILITIES Specific... allowable costs. (e) Criteria for allowable bad debt. A bad debt must meet the following criteria to be... amount of allowable bad debt (as defined in paragraph (e) of this section) is reduced: (i) For cost...

7 CFR 3555.151 - Eligibility requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... and total debt (TD) ratio, to determine adequate repayment for the requested loan. The Agency reserves... and the monthly amount of PITI plus recurring monthly debts (total debt) does not exceed 41 percent of... obligations specifically excluded by State law, the debts of non-purchasing spouse must be included in the...

76 FR 78085 - Permissible Investments for Federal and State Savings Associations: Corporate Debt Securities

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-15

... Part 362 Permissible Investments for Federal and State Savings Associations: Corporate Debt Securities... association from acquiring and retaining a corporate debt security unless it determines, prior to acquiring... whether a corporate debt security is eligible for investment under this proposed rule. DATES: Comments...

26 CFR 1.1275-6 - Integration of qualifying debt instruments.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 11 2010-04-01 2010-04-01 true Integration of qualifying debt instruments. 1....1275-6 Integration of qualifying debt instruments. (a) In general. This section generally provides for the integration of a qualifying debt instrument with a hedge or combination of hedges if the combined...

75 FR 42662 - Debt Collection

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-22

... a tax overpayment payable to a taxpayer by the amount of past-due, legally enforceable debt owed by... collection of non-tax debts owed to PBGC. This proposed rule would add salary offset and administrative wage... other laws applicable to the collection of non-tax debt owed to the Government. Background In 1994, PBGC...

Addressing Student Debt in the Classroom

ERIC Educational Resources Information Center

Perkins, David; Johnston, Tim; Lytle, Rick

2016-01-01

Student debt is a national concern. The authors address debt in the classroom to enhance students' understanding of the consequences of debt and the need for caution when financing their education. However, student feedback indicates this understanding has a delayed effect on borrowing behavior and underscores the importance of making difficult…

77 FR 22390 - Debt Management Advisory Committee Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-13

... DEPARTMENT OF THE TREASURY Debt Management Advisory Committee Meeting Notice is hereby given... Pennsylvania Avenue NW., Washington, DC, on May 1, 2012 at 11:30 a.m. of the following debt management advisory... advice has been offered by debt management advisory committees established by the several major segments...

Cumulative Student Loan Debt in Minnesota, 2015

ERIC Educational Resources Information Center

Williams-Wyche, Shaun

2016-01-01

To better understand student debt in Minnesota, the Minnesota Office of Higher Education (the Office) gathers information on cumulative student loan debt from Minnesota degree-granting institutions. These data detail the number of students with loans by institution, the cumulative student loan debt incurred at that institution, and the percentage…

75 FR 19873 - Collection of Administrative Debts; Collection of Debts Arising From Enforcement and...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-16

...The Federal Election Commission (``Commission'') is promulgating rules implementing statutory provisions regarding the collection of debts owed to the United States Government. The Commission is also integrating its rules regarding the collection of debts arising solely from the Administrative Fines program into the new rules.

76 FR 24406 - Collection by Offset From Indebted Government Employees

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-02

... proposed regulations to eliminate the 10-year statute of limitations on collection of debt by... eliminate the 10-year statute of limitations on collection of debt by administrative offset, which includes... offset to collect a debt without time limitations on debt outstanding after the Government's right to...

Pilot Study of Debt Elasticity

ERIC Educational Resources Information Center

Greiner, Keith; Girardi, Tony

2006-01-01

This report examines the relationship between student loan debt and the manner in which that debt is described. It focuses on three forms of description: (1) monthly payments, (2) total debt, and (3) income after graduation. The authors used the term elasticity to describe the relationship between consumers' college choices and the retention…

31 CFR 357.0 - Book-entry systems.

Code of Federal Regulations, 2014 CFR

2014-07-01

... General Information § 357.0 Book-entry systems. (a) Treasury securities. Treasury securities are...-entry system is the book-entry system in which Treasury securities are held in a tiered system through securities intermediaries such as financial institutions or brokerage firms. A Treasury security is...

31 CFR 357.0 - Book-entry systems.

Code of Federal Regulations, 2012 CFR

2012-07-01

... General Information § 357.0 Book-entry systems. (a) Treasury securities. Treasury securities are...-entry system is the book-entry system in which Treasury securities are held in a tiered system through securities intermediaries such as financial institutions or brokerage firms. A Treasury security is...

31 CFR 357.0 - Book-entry systems.

Code of Federal Regulations, 2011 CFR

2011-07-01

... General Information § 357.0 Book-entry systems. (a) Treasury securities. Treasury securities are...-entry system is the book-entry system in which Treasury securities are held in a tiered system through securities intermediaries such as financial institutions or brokerage firms. A Treasury security is...

31 CFR 357.0 - Book-entry systems.

Code of Federal Regulations, 2013 CFR

2013-07-01

... General Information § 357.0 Book-entry systems. (a) Treasury securities. Treasury securities are...-entry system is the book-entry system in which Treasury securities are held in a tiered system through securities intermediaries such as financial institutions or brokerage firms. A Treasury security is...

Iraq’s Debt Relief: Procedure and Potential Implications for International Debt Relief

DTIC Science & Technology

2009-01-26

countries use different interest rates and levy different penalties for Iraq’s payment arrears . Hence, the debt owed to each creditor can grow at...REPORT DATE 26 JAN 2009 2. REPORT TYPE 3. DATES COVERED 00-00-2009 to 00-00-2009 4. TITLE AND SUBTITLE Iraq’s Debt Relief: Procedure and...Potential Implications for International Debt Relief 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6. AUTHOR(S) 5d. PROJECT NUMBER 5e

Student debt amongst junior doctors in New Zealand; part 2: effects on intentions and workforce.

PubMed

Moore, James; Gale, Jesse; Dew, Kevin; Simmers, Don

2006-02-17

To assess the effects of student debt on the intentions of first-year house officers in relation to location of practice and vocation, and to evaluate the relative importance of incentives to remain practising in New Zealand (NZ). A questionnaire sent to all 296 New Zealand-graduate first-year house officers practicing in New Zealand. The response rate was 53%. Eighty percent of respondents intended to practice in New Zealand for the bulk of their careers; however, 65% of respondents intended to leave New Zealand within 3 years of graduating. The most important factors influencing the decision to leave NZ were overseas travel, financial opportunities, and job/training opportunities. Fifty-five percent of respondents had considered leaving the country, specifically because of the student loan debt. The most important factors influencing vocational intentions were interest, lifestyle, and intellectual challenge. Forty-three percent of respondents stated that their student debt had influenced their intended specialty, and only 9% of respondents indicated their intention to pursue a career in general practice. The highest rated incentives for staying in New Zealand were increased salaries, employer contributions towards student loans, and training opportunities within New Zealand. Student debt influences both emigration and specialty choice intentions of junior doctors in New Zealand. This effect is an unintended but important consequence of our current tertiary education system in New Zealand. These results paint a worrying picture for the junior doctor and general practitioner workforce in New Zealand's future.

31 CFR 306.23 - Securities eligible to be held in the Legacy Treasury Direct® Book-entry Securities System.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Legacy Treasury Direct® Book-entry Securities System. 306.23 Section 306.23 Money and Finance: Treasury... Securities eligible to be held in the Legacy Treasury Direct® Book-entry Securities System. (a) Eligible... book-entry securities system. (b) Conversion of Registered Security to book-entry form to be held in...

Indebtedness of dental school graduates in Canada: mortgaged futures.

PubMed

McDermott, R E; Fuglerud, K P

1996-03-01

The debt level of graduating dental students is increasing annually. Six of Canada's 10 dental schools responded to a survey designed to ascertain the level of student debt on entering and graduating from dental school. For the academic year 1993-94, the average starting debt for students was $2,013.89 and the average graduating debt was $25,671.30. On average, dental students accumulated more than $23,600 in debt while pursuing their dental education. Of those students who completed the survey, 57.89 per cent relied on their parents for assistance, and 76.69 per cent received student/government loans. The level of student debt was independent of age, gender and parents' income.

Testing the role of external debt in environmental degradation: empirical evidence from Turkey.

PubMed

Katircioglu, Salih; Celebi, Aysem

2018-03-01

This study investigates the role of external debt stock in Turkey, which has suffered from heavy (external and domestic) debt stock for many years. Annual data from 1960 to 2013 was analyzed using time series analysis in order to study this. The results confirm the validity of the conventional environmental Kuznets curve (EKC) in the case of Turkey. However, this study also found that Turkey's external debt stock did not influence the Turkish economy's long-term EKC behavior. Fortunately, the results suggest that there are important interactions among external debt stock, CO 2 emissions, energy consumption, and real income; that is, changes in external debt volume precede changes in these aggregates' volumes.

48 CFR 32.608 - Interest.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 48 Federal Acquisition Regulations System 1 2013-10-01 2013-10-01 false Interest. 32.608 Section 32.608 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608 Interest. ...

48 CFR 32.608 - Interest.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 48 Federal Acquisition Regulations System 1 2011-10-01 2011-10-01 false Interest. 32.608 Section 32.608 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608 Interest. ...

48 CFR 32.608 - Interest.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 48 Federal Acquisition Regulations System 1 2012-10-01 2012-10-01 false Interest. 32.608 Section 32.608 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608 Interest. ...

48 CFR 32.608 - Interest.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Interest. 32.608 Section 32.608 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608 Interest. ...

48 CFR 32.608 - Interest.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 48 Federal Acquisition Regulations System 1 2014-10-01 2014-10-01 false Interest. 32.608 Section 32.608 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Debts 32.608 Interest. ...

Leveraging Psychological Insights to Encourage the Responsible Use of Consumer Debt.

PubMed

Hershfield, Hal E; Sussman, Abigail B; O'Brien, Rourke L; Bryan, Christopher J

2015-11-01

U.S. consumers currently hold $880 billion in revolving debt, with a mean household credit card balance of approximately $6,000. Although economic factors play a role in this societal issue, it is clear that psychological forces also affect consumers' decisions to take on and maintain unmanageable debt balances. We examine three psychological barriers to the responsible use of credit and debt. We discuss the tendency for consumers to (a) make erroneous predictions about future spending habits, (b) rely too heavily on values presented on billing statements, and (c) categorize debt and saving into separate mental accounts. To overcome these obstacles, we urge policymakers to implement methods that facilitate better budgeting of future expenses, modify existing credit card statement disclosures, and allow consumers to easily apply government transfers (such as tax credits) to debt repayment. In doing so, we highlight minimal and inexpensive ways to remedy the debt problem. © The Author(s) 2015.

Can't afford a baby? Debt and young Americans☆

PubMed Central

Nau, Michael; Dwyer, Rachel E.; Hodson, Randy

2016-01-01

This article explores the role of personal debt in the transition to parenthood. We analyze data from the National Longitudinal Study of Youth-1997 cohort and find that for the generation coming of age in the 2000s, student loans delay fertility for women, particularly at very high levels of debt. Home mortgages and credit card debt, in contrast, appear to be precursors to parenthood. These results indicate that different forms of debt have different implications for early adulthood transitions: whereas consumer loans or home mortgages immediately increase access to consumption goods, there is often a significant delay between the accrual and realization of benefits for student loans. The double-edged nature of debt as both barrier and facilitator to life transitions highlights the importance of looking at debt both as a monetary issue and also as a carrier of social meanings. PMID:28090131

The high price of debt: household financial debt and its impact on mental and physical health.

PubMed

Sweet, Elizabeth; Nandi, Arijit; Adam, Emma K; McDade, Thomas W

2013-08-01

Household financial debt in America has risen dramatically in recent years. While there is evidence that debt is associated with adverse psychological health, its relationship with other health outcomes is relatively unknown. We investigate the associations of multiple indices of financial debt with psychological and general health outcomes among 8400 young adult respondents from the National Longitudinal Study of Adolescent Health (Add Health). Our findings show that reporting high financial debt relative to available assets is associated with higher perceived stress and depression, worse self-reported general health, and higher diastolic blood pressure. These associations remain significant when controlling for prior socioeconomic status, psychological and physical health, and other demographic factors. The results suggest that debt is an important socioeconomic determinant of health that should be explored further in social epidemiology research. Copyright © 2013 Elsevier Ltd. All rights reserved.

Debt, cohabitation, and marriage in young adulthood.

PubMed

Addo, Fenaba R

2014-10-01

Despite growing evidence that debt influences pivotal life events in early and young adulthood, the role of debt in the familial lives of young adults has received relatively little attention. Using data from the NLSY 1997 cohort (N = 6,749) and a discrete-time competing risks hazard model framework, I test whether the transition to first union is influenced by a young adult's credit card and education loan debt above and beyond traditional educational and labor market characteristics. I find that credit card debt is positively associated with cohabitation for men and women, and that women with education loan debt are more likely than women without such debt to delay marriage and transition into cohabitation. Single life may be difficult to afford, but marital life is un-affordable as well. Cohabitation presents an alternative to single life, but not necessarily a marital substitute for these young adults.

42 CFR 413.89 - Bad debts, charity, and courtesy allowances.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 2 2010-10-01 2010-10-01 false Bad debts, charity, and courtesy allowances. 413.89... Categories of Costs § 413.89 Bad debts, charity, and courtesy allowances. Link to an amendment published at 75 FR 49198, Aug. 12, 2010. (a) Principle. Bad debts, charity, and courtesy allowances are deductions...

14 CFR § 1261.412 - Interest, penalties, and administrative costs.

Code of Federal Regulations, 2014 CFR

2014-01-01

...—that is, a bill is mailed before the debt is actually owed—it can include the required interest... debt—that is, the additional costs incurred in processing and handling the debt because it became... from the date that the debt became delinquent. (f) When a debt is paid in partial or installment...

77 FR 76148 - Self-Regulatory Organizations; NYSE Arca, Inc.; Notice of Filing of Proposed Rule Change To List...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-26

..., corporate debt securities are fixed-income securities issued by businesses to finance their operations... consist of both foreign and domestic debt instruments, including corporate bonds, high yield bonds... stated above, the Fund may invest in a variety of debt securities, including corporate debt securities...

5 CFR 835.606 - Change in notification to Internal Revenue Service.

Code of Federal Regulations, 2010 CFR

2010-01-01

... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) DEBT COLLECTION Collection of Debts by Federal Tax Refund...) of this section, after OPM sends IRS notification of an individual's liability for a debt, OPM will... payment to the account of the debtor named in the notification that reduces the amount of the debt...

7 CFR 1782.20 - Debt Settlement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Collection Improvement Act of 1996. This law provides that any non-tax debt or claim owed to the United... 7 Agriculture 12 2010-01-01 2010-01-01 false Debt Settlement. 1782.20 Section 1782.20 Agriculture... (CONTINUED) SERVICING OF WATER AND WASTE PROGRAMS § 1782.20 Debt Settlement. Pursuant to 7 U.S.C. 1981, this...

31 CFR 29.501 - Purpose; incorporation by reference; scope.

Code of Federal Regulations, 2010 CFR

2010-07-01

... CFR 900.3. (2) Tax debts. This subpart does not apply to tax debts. (d)(1) Sections 29.501 through 29... BENEFIT PAYMENTS UNDER CERTAIN DISTRICT OF COLUMBIA RETIREMENT PROGRAMS Debt Collection and Waivers of... debts due the United States. (b) The regulations of this subpart incorporate by this reference all...

5 CFR 835.603 - Notification of intent to collect.

Code of Federal Regulations, 2010 CFR

2010-01-01

... REGULATIONS (CONTINUED) DEBT COLLECTION Collection of Debts by Federal Tax Refund Offset § 835.603... by IRS tax refund offset (Notice of Intent) will state: (1) The amount of the debt; (2) That unless... debt by requesting the IRS to reduce any amounts payable to the debtor as a Federal income tax refund...

45 CFR 32.1 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-10-01

... satisfy delinquent non-tax debts owed to the United States. (b) Authority. These standards and procedures... Regional Offices that administer a program that gives rise to a delinquent non-tax debt owed to the United... payments to satisfy delinquent non-tax debt owed to the United States. The Department may pursue such debt...

41 CFR 105-57.001 - Purpose, authority and scope.

Code of Federal Regulations, 2010 CFR

2010-07-01

... administrative wage garnishment to satisfy delinquent non-tax debt owed to the United States. (b) These standards... non-tax debt owed to the United States and that pursues recovery of such debt. (2) This part will..., including the offset of Federal payments to satisfy delinquent non-tax debt owed to the United States. GSA...

29 CFR 4903.33 - Referral of debt for tax refund offset.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 29 Labor 9 2010-07-01 2010-07-01 false Referral of debt for tax refund offset. 4903.33 Section... AND ADMINISTRATIVE RULES AND PROCEDURES DEBT COLLECTION Tax Refund Offset § 4903.33 Referral of debt for tax refund offset. The Director of the Financial Operations Department (or a department official...

75 FR 69151 - Small Business Jobs Act: 504 Loan Program Debt Refinancing

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-10

... SMALL BUSINESS ADMINISTRATION Small Business Jobs Act: 504 Loan Program Debt Refinancing AGENCY: U... regarding the Small Business Jobs Act: 504 Loan Program Debt Refinancing. The meeting will be open to the... the 504 Loan Program Debt Refinancing established by Sec. 1122 of the Small Business Jobs Act (Pub. L...

7 CFR 3.12 - Reporting of consumer debts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 1 2010-01-01 2010-01-01 false Reporting of consumer debts. 3.12 Section 3.12... and Compromise of Claims § 3.12 Reporting of consumer debts. (a) Notice. In demand letters to debtors... the delinquent consumer debt to credit reporting agencies after 60 days; (2) The specific information...

7 CFR 792.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... debts and claims. The late payment interest rate shall be determined as of the date a debt becomes... debt owed the Government, or any agency thereof. FSA means the Farm Service Agency of the United States..., data file, or similar record of debts owed to FSA, CCC, or any other Government Agency with respect to...

Tough Choices in Tough Times: Debt and Medication Nonadherence

ERIC Educational Resources Information Center

Kalousova, Lucie; Burgard, Sarah A.

2014-01-01

Debt is a ubiquitous component of households' financial portfolios. Yet we have scant understanding of how household debt constrains spending on needed health care. Diverse types of debt have different financial properties and recent work has shown that they may have varying implications for spending on needed health care. In this article, we…

22 CFR 512.10 - Collection by administrative offset.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Government's right to collect the debt first accrued, unless facts material to the Government's right were... to: Debts owed by any State or local Government; debts arising under or payments made under the... the Government's ability to collect the debt, and the time before the payment is to be made does not...

5 CFR 550.1106 - Time limit on collection of debts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... to collect a debt more than 10 years after the Government's right to collect the debt first accrued... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Time limit on collection of debts. 550... PAY ADMINISTRATION (GENERAL) Collection by Offset From Indebted Government Employees § 550.1106 Time...

26 CFR 1.1275-6 - Integration of qualifying debt instruments.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 11 2012-04-01 2012-04-01 false Integration of qualifying debt instruments. 1... Losses § 1.1275-6 Integration of qualifying debt instruments. (a) In general. This section generally provides for the integration of a qualifying debt instrument with a hedge or combination of hedges if the...

26 CFR 1.1275-6 - Integration of qualifying debt instruments.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 11 2013-04-01 2013-04-01 false Integration of qualifying debt instruments. 1... Losses § 1.1275-6 Integration of qualifying debt instruments. (a) In general. This section generally provides for the integration of a qualifying debt instrument with a hedge or combination of hedges if the...

26 CFR 1.1275-6 - Integration of qualifying debt instruments.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 11 2014-04-01 2014-04-01 false Integration of qualifying debt instruments. 1... Losses § 1.1275-6 Integration of qualifying debt instruments. (a) In general. This section generally provides for the integration of a qualifying debt instrument with a hedge or combination of hedges if the...

26 CFR 1.1275-6 - Integration of qualifying debt instruments.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 11 2011-04-01 2011-04-01 false Integration of qualifying debt instruments. 1... Losses § 1.1275-6 Integration of qualifying debt instruments. (a) In general. This section generally provides for the integration of a qualifying debt instrument with a hedge or combination of hedges if the...

31 CFR 5.9 - When will Treasury entities transfer a Treasury debt to the Treasury Department's Financial...

Code of Federal Regulations, 2010 CFR

2010-07-01

... a Treasury debt to the Treasury Department's Financial Management Service for collection? 5.9... Treasury Department's Financial Management Service for collection? (a) Treasury entities will transfer any eligible debt that is more than 180 days delinquent to the Financial Management Service for debt collection...

42 CFR 413.178 - Bad debts.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 2 2010-10-01 2010-10-01 false Bad debts. 413.178 Section 413.178 Public Health...) Services and Organ Procurement Costs § 413.178 Bad debts. Link to an amendment published at 75 FR 49199, Aug. 12, 2010. (a) CMS will reimburse each facility its allowable Medicare bad debts, as defined in...

Towards a Rhythmanalysis of Debt Dressage: Education as Rhythmic Resistance in Everyday Indebted Life

ERIC Educational Resources Information Center

Wozniak, Jason Thomas

2017-01-01

Debt shapes subjectivity by rhythmically training indebted subjects. Stated slightly differently, there exists a debt dressage that produces indebted subjectivity. One of the principle aims of this article is to introduce rhythm into the debt analysis debates. Building on Henri Lefebvre's book "Rhythmanalysis: Space, Time and Everyday…

New England's Disadvantaged Populations Struggle the Most with Student Debt Repayment

ERIC Educational Resources Information Center

Saas, Darcy Rollins

2016-01-01

Regularly reported statistics about high and growing student-loan debt levels, combined with increased rates of delinquency and default, have prompted calls to address the student-debt "crisis." For New England, with its highly educated population and large higher education industry, student-loan debt is an important economic policy…

6 CFR 11.6 - Reporting debts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 6 Domestic Security 1 2010-01-01 2010-01-01 false Reporting debts. 11.6 Section 11.6 Domestic Security DEPARTMENT OF HOMELAND SECURITY, OFFICE OF THE SECRETARY CLAIMS § 11.6 Reporting debts. DHS will report delinquent debts to credit bureaus and other automated databases in accordance with 31 U.S.C. 3711...

12 CFR 560.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Commercial paper and corporate debt securities... paper and corporate debt securities. Pursuant to HOLA section 5(c)(2)(D), a Federal savings association may invest in, sell, or hold commercial paper and corporate debt securities subject to the provisions...

12 CFR 160.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Commercial paper and corporate debt securities... LENDING AND INVESTMENT § 160.40 Commercial paper and corporate debt securities. Pursuant to HOLA section 5... investment in the commercial paper and corporate debt securities of any one issuer, or issued by any one...

12 CFR 560.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Commercial paper and corporate debt securities... paper and corporate debt securities. Pursuant to HOLA section 5(c)(2)(D), a Federal savings association may invest in, sell, or hold commercial paper and corporate debt securities subject to the provisions...

12 CFR 560.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Commercial paper and corporate debt securities... paper and corporate debt securities. Pursuant to HOLA section 5(c)(2)(D), a Federal savings association may invest in, sell, or hold commercial paper and corporate debt securities subject to the provisions...

12 CFR 560.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Commercial paper and corporate debt securities... paper and corporate debt securities. Pursuant to HOLA section 5(c)(2)(D), a Federal savings association may invest in, sell, or hold commercial paper and corporate debt securities subject to the provisions...

12 CFR 160.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Commercial paper and corporate debt securities... LENDING AND INVESTMENT § 160.40 Commercial paper and corporate debt securities. Pursuant to HOLA section 5... investment in the commercial paper and corporate debt securities of any one issuer, or issued by any one...

12 CFR 560.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Commercial paper and corporate debt securities... paper and corporate debt securities. Pursuant to HOLA section 5(c)(2)(D), a Federal savings association may invest in, sell, or hold commercial paper and corporate debt securities subject to the provisions...

An Examination of Business Students' Student Loan Debt and Total Debt

ERIC Educational Resources Information Center

Kuzma, Ann T.; Kuzma, John R.; Thiewes, Harold F.

2010-01-01

Under the current economic environment and its high levels of unemployment, many people are turning to university education to attain higher education or simply to upgrade their skills and avoid continued unemployment. This paper examines student workloads, debt levels, and the debt perceptions of junior- and senior-level College of Business…

Debt Change and Marital Satisfaction Change in Recently Married Couples

ERIC Educational Resources Information Center

Dew, Jeffrey

2008-01-01

Although recently married couples report debt as one of their top concerns, research has not measured how debt changes relate to changes in their marital satisfaction. Further, the mechanisms that link debt and marital satisfaction are unknown. Findings using the National Survey of Families and Households (N = 1,078 couples) demonstrated that…

Issues 2016: Is There a Student Debt Crisis?

ERIC Educational Resources Information Center

Eden, Max

2016-01-01

Student debt is a convenient target in a presidential election year, but it obscures the true crisis: high dropout rates from low-quality postsecondary institutions and the unmanageable debt borne by students of those institutions. And despite rising student debt, monthly loan payments as a share of income have remained steady, added earnings…

20 CFR 422.305 - Report of overdue program overpayment debts to consumer reporting agencies.

Code of Federal Regulations, 2010 CFR

2010-04-01

... debts to consumer reporting agencies. (a) Debts we will report. We will report to consumer reporting... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Report of overdue program overpayment debts to consumer reporting agencies. 422.305 Section 422.305 Employees' Benefits SOCIAL SECURITY...

75 FR 8274 - Collection of Administrative Debts; Collection of Debts Arising From Enforcement and...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-24

...The Federal Election Commission (``Commission'') requests comments on proposed rules implementing statutory provisions regarding the collection of debts owed to the United States Government. The Commission also proposes integrating its rules regarding the collection of debts arising solely from the Administrative Fines program into the new proposed rules.

77 FR 65248 - Senior Executive Service; Public Debt Performance Review Board

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-25

... Performance Review Board AGENCY: Bureau of the Public Debt, Treasury. ACTION: Notice. SUMMARY: This notice announces the appointment of the members of the Public Debt Performance Review Board (PRB) for the Bureau of the Public Debt (BPD). The PRB reviews the performance appraisals of career senior executives who are...

12 CFR 1.7 - Securities held in satisfaction of debts previously contracted; holding period; disposal...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Securities held in satisfaction of debts... § 1.7 Securities held in satisfaction of debts previously contracted; holding period; disposal; accounting treatment; non-speculative purpose. (a) Securities held in satisfaction of debts previously...

7 CFR 3.12 - Reporting of consumer debts.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 1 2011-01-01 2011-01-01 false Reporting of consumer debts. 3.12 Section 3.12... and Compromise of Claims § 3.12 Reporting of consumer debts. (a) Notice. In demand letters to debtors... the delinquent consumer debt to credit reporting agencies after 60 days; (2) The specific information...

Scale-invariant properties of public-debt growth

NASA Astrophysics Data System (ADS)

Petersen, A. M.; Podobnik, B.; Horvatic, D.; Stanley, H. E.

2010-05-01

Public debt is one of the important economic variables that quantitatively describes a nation's economy. Because bankruptcy is a risk faced even by institutions as large as governments (e.g., Iceland), national debt should be strictly controlled with respect to national wealth. Also, the problem of eliminating extreme poverty in the world is closely connected to the study of extremely poor debtor nations. We analyze the time evolution of national public debt and find "convergence": initially less-indebted countries increase their debt more quickly than initially more-indebted countries. We also analyze the public debt-to-GDP ratio {\\cal R} , a proxy for default risk, and approximate the probability density function P({\\cal R}) with a Gamma distribution, which can be used to establish thresholds for sustainable debt. We also observe "convergence" in {\\cal R} : countries with initially small {\\cal R} increase their {\\cal R} more quickly than countries with initially large {\\cal R} . The scaling relationships for debt and {\\cal R} have practical applications, e.g. the Maastricht Treaty requires members of the European Monetary Union to maintain {\\cal R} < 0.6 .

Personal Bankruptcy After Traumatic Brain or Spinal Cord Injury: The Role of Medical Debt

PubMed Central

Relyea-Chew, Annemarie; Hollingworth, William; Chan, Leighton; Comstock, Bryan A.; Overstreet, Karen A.; Jarvik, Jeffrey G.

2012-01-01

Objective To estimate the prevalence of medical debt among traumatic brain injury (TBI) and spinal cord injury (SCI) patients who discharged their debts through bankruptcy. Design A cross-sectional comparison of bankruptcy filings of injured versus randomly selected bankruptcy petitioners. Setting Patients hospitalized with SCI or TBI (1996–2002) and personal bankruptcy petitioners (2001–2004) in western Washington State. Participants Subjects (N=186) who filed for bankruptcy, comprised of 93 patients with previous SCI or TBI and 93 randomly selected bankruptcy petitioners. Interventions Not applicable. Main Outcome Measures Medical and nonmedical debt, assets, income, expenses, and employment recorded in the bankruptcy petition. Results Five percent of randomly selected petitioners and 26% of petitioners with TBI or SCI had substantial medical debt (debt that accounted for more than 20% of all unsecured debts). SCI and TBI petitioners had fewer assets and were more likely to be receiving government income assistance at the time of bankruptcy than controls. SCI and TBI patients with a higher blood alcohol content at injury were more likely to have substantial medical debts (odds ratio=2.70; 95% confidence interval, 1.04–7.00). Conclusions Medical debt plays an important role in some bankruptcies after TBI or SCI. We discuss policy options for reducing financial distress after serious injury. PMID:19254605

Personal bankruptcy after traumatic brain or spinal cord injury: the role of medical debt.

PubMed

Relyea-Chew, Annemarie; Hollingworth, William; Chan, Leighton; Comstock, Bryan A; Overstreet, Karen A; Jarvik, Jeffrey G

2009-03-01

To estimate the prevalence of medical debt among traumatic brain injury (TBI) and spinal cord injury (SCI) patients who discharged their debts through bankruptcy. A cross-sectional comparison of bankruptcy filings of injured versus randomly selected bankruptcy petitioners. Patients hospitalized with SCI or TBI (1996-2002) and personal bankruptcy petitioners (2001-2004) in western Washington State. Subjects (N=186) who filed for bankruptcy, comprised of 93 patients with previous SCI or TBI and 93 randomly selected bankruptcy petitioners. Not applicable. Medical and nonmedical debt, assets, income, expenses, and employment recorded in the bankruptcy petition. Five percent of randomly selected petitioners and 26% of petitioners with TBI or SCI had substantial medical debt (debt that accounted for more than 20% of all unsecured debts). SCI and TBI petitioners had fewer assets and were more likely to be receiving government income assistance at the time of bankruptcy than controls. SCI and TBI patients with a higher blood alcohol content at injury were more likely to have substantial medical debts (odds ratio=2.70; 95% confidence interval, 1.04-7.00). Medical debt plays an important role in some bankruptcies after TBI or SCI. We discuss policy options for reducing financial distress after serious injury.

A model of the demand for Islamic banks debt-based financing instrument

NASA Astrophysics Data System (ADS)

Jusoh, Mansor; Khalid, Norlin

2013-04-01

This paper presents a theoretical analysis of the demand for debt-based financing instruments of the Islamic banks. Debt-based financing, such as through baibithamanajil and al-murabahah, is by far the most prominent of the Islamic bank financing and yet it has been largely ignored in Islamic economics literature. Most studies instead have been focusing on equity-based financing of al-mudharabah and al-musyarakah. Islamic bank offers debt-based financing through various instruments derived under the principle of exchange (ukud al-mu'awadhat) or more specifically, the contract of deferred sale. Under such arrangement, Islamic debt is created when goods are purchased and the payments are deferred. Thus, unlike debt of the conventional bank which is a form of financial loan contract to facilitate demand for liquid assets, this Islamic debt is created in response to the demand to purchase goods by deferred payment. In this paper we set an analytical framework that is based on an infinitely lived representative agent model (ILRA model) to analyze the demand for goods to be purchased by deferred payment. The resulting demand will then be used to derive the demand for Islamic debt. We also investigate theoretically, factors that may have an impact on the demand for Islamic debt.

Evidence and mapping of extinction debts for global forest-dwelling reptiles, amphibians and mammals

NASA Astrophysics Data System (ADS)

Chen, Youhua; Peng, Shushi

2017-03-01

Evidence of extinction debts for the global distributions of forest-dwelling reptiles, mammals and amphibians was tested and the debt magnitude was estimated and mapped. By using different correlation tests and variable importance analysis, the results showed that spatial richness patterns for the three forest-dwelling terrestrial vertebrate groups had significant and stronger correlations with past forest cover area and other variables in the 1500 s, implying the evidence for extinction debts. Moreover, it was likely that the extinction debts have been partially paid, given that their global richness patterns were also significantly correlated with contemporary forest variables in the 2000 s (but the absolute magnitudes of the correlation coefficients were usually smaller than those calculated for historical forest variables). By utilizing species-area relationships, spatial extinction-debt magnitudes for the three vertebrate groups at the global scale were estimated and the hotspots of extinction debts were identified. These high-debt hotspots were generally situated in areas that did not spatially overlap with hotspots of species richness or high extinction-risk areas based on IUCN threatened status to a large extent. This spatial mismatch pattern suggested that necessary conservation efforts should be directed toward high-debt areas that are still overlooked.

Evidence and mapping of extinction debts for global forest-dwelling reptiles, amphibians and mammals.

PubMed

Chen, Youhua; Peng, Shushi

2017-03-16

Evidence of extinction debts for the global distributions of forest-dwelling reptiles, mammals and amphibians was tested and the debt magnitude was estimated and mapped. By using different correlation tests and variable importance analysis, the results showed that spatial richness patterns for the three forest-dwelling terrestrial vertebrate groups had significant and stronger correlations with past forest cover area and other variables in the 1500 s, implying the evidence for extinction debts. Moreover, it was likely that the extinction debts have been partially paid, given that their global richness patterns were also significantly correlated with contemporary forest variables in the 2000 s (but the absolute magnitudes of the correlation coefficients were usually smaller than those calculated for historical forest variables). By utilizing species-area relationships, spatial extinction-debt magnitudes for the three vertebrate groups at the global scale were estimated and the hotspots of extinction debts were identified. These high-debt hotspots were generally situated in areas that did not spatially overlap with hotspots of species richness or high extinction-risk areas based on IUCN threatened status to a large extent. This spatial mismatch pattern suggested that necessary conservation efforts should be directed toward high-debt areas that are still overlooked.

Demographic and service-use profiles of individuals using the CarePayment program for hospital-related medical debt: results from a nationwide survey of guarantors.

PubMed

Lessard, Laura; Solomon, Julie

2016-07-15

Many Americans find themselves with problems paying medical bills, and medical debt can lead to numerous negative financial, social and access to healthcare outcomes. One potential market-based solution to these challenges is to provide financing options that have patient-friendly terms while complying with increasingly complex federal lending regulations. CarePayment (CP) is one entity that provides zero interest financing to individuals from participating medical facilities. An independent, initial outcome study was undertaken to understand the demographic and medical debt-related outcomes of CP users. This information is integral to understanding whether and how this program can ameliorate the negative consequences of medical debt. A nationwide telephone survey was conducted with a random sample of 8122 guarantors who were paying off CarePayment debt as of January 1, 2015. Respondents were asked about their demographic characteristics as well as self-report of negative outcomes typically associated with medical debt. Analyses included descriptive statistics along with logistic regression models comparing first-time CP users and those with higher amounts of CP debt to others. The most commonly reported financial challenge related to medical bills was problems paying or being unable to pay medical bills (59.5 %). The most commonly reported access-to-care challenges were skipping a medical test or treatment recommended by a doctor (32.9 %) and having a medical problem but not going to the doctor/clinic (30.3 %). Comparisons between first-time and repeat CP users suggest that first-time users were significantly more likely to report several negative outcomes and those with both CP and non-CP debt were significantly more likely to report nearly all of the undesirable financial and access outcomes that were assessed compared to those with only CP debt. The results suggest that CP use, especially repeat CP use, may be associated with a reduction in many negative outcomes of medical debt. In addition, while we found that individuals with only CP debt fared better than those with both CP debt and other medical debt, 60 % of our sample had more than one source of medical debt. This suggests that the beneficial impact of CP could be increased by expanding access to the program.

Student Debt Crisis: Are Students Incurring Excessive Debt? Program Report 85-13.

ERIC Educational Resources Information Center

Hansen, W. Lee; Rhodes, Marilyn S.

Definitions of manageable college student debts are discussed and one definition is applied to California data, using the Student Expenses and Resources Survey. Definitions proposed by Daniere, Hartman, and Horch define manageable debt levels in terms of future income. A comparison of the three proposals shows the number of years of repayment…

12 CFR 16.6 - Sales of nonconvertible debt.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Sales of nonconvertible debt. 16.6 Section 16.6... RULES § 16.6 Sales of nonconvertible debt. (a) The OCC will deem offers or sales of bank issued... grade; (5) Prior to or simultaneously with the sale of the debt, each purchaser receives an offering...

Development and External Debt: Friend or Foe? Academy for Educational Development 25th Anniversary Seminar Series.

ERIC Educational Resources Information Center

Hope, Nicholas C.

Arguing that the benefits from borrowing abroad exceed the costs recently imposed on countries through debt-servicing difficulties, this paper defines debt as an engine of growth, forcing the borrower to produce goods efficiently, export them, and function competitively in the international market. Debt-servicing difficulties of developing nations…

15 CFR 19.7 - When will Commerce entities compromise a Commerce debt?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false When will Commerce entities compromise a Commerce debt? 19.7 Section 19.7 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.7 When will Commerce entities compromise...

15 CFR 19.15 - How will Commerce entities refer Commerce debts to private collection agencies?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false How will Commerce entities refer Commerce debts to private collection agencies? 19.15 Section 19.15 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.15 How will...

15 CFR 19.15 - How will Commerce entities refer Commerce debts to private collection agencies?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false How will Commerce entities refer Commerce debts to private collection agencies? 19.15 Section 19.15 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.15 How will...

15 CFR 19.15 - How will Commerce entities refer Commerce debts to private collection agencies?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false How will Commerce entities refer Commerce debts to private collection agencies? 19.15 Section 19.15 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.15 How will...

15 CFR 19.7 - When will Commerce entities compromise a Commerce debt?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false When will Commerce entities compromise a Commerce debt? 19.7 Section 19.7 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.7 When will Commerce entities compromise...

15 CFR 19.15 - How will Commerce entities refer Commerce debts to private collection agencies?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false How will Commerce entities refer Commerce debts to private collection agencies? 19.15 Section 19.15 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.15 How will...

15 CFR 19.7 - When will Commerce entities compromise a Commerce debt?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false When will Commerce entities compromise a Commerce debt? 19.7 Section 19.7 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.7 When will Commerce entities compromise...

15 CFR 19.15 - How will Commerce entities refer Commerce debts to private collection agencies?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false How will Commerce entities refer Commerce debts to private collection agencies? 19.15 Section 19.15 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.15 How will...

15 CFR 19.7 - When will Commerce entities compromise a Commerce debt?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false When will Commerce entities compromise a Commerce debt? 19.7 Section 19.7 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.7 When will Commerce entities compromise...

15 CFR 19.7 - When will Commerce entities compromise a Commerce debt?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false When will Commerce entities compromise a Commerce debt? 19.7 Section 19.7 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.7 When will Commerce entities compromise...

26 CFR 1.593-5 - Addition to reserves for bad debts.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Addition to reserves for bad debts. 1.593-5... bad debts. (a) Amount of addition. As an alternative to a deduction from gross income under section... a deduction under section 166(c) for a reasonable addition to a reserve for bad debts. In the case...

7 CFR 792.15 - Prior provision of rights with respect to debt.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Prior provision of rights with respect to debt. 792.15..., DEPARTMENT OF AGRICULTURE PROVISIONS COMMON TO MORE THAN ONE PROGRAM DEBT SETTLEMENT POLICIES AND PROCEDURES § 792.15 Prior provision of rights with respect to debt. FSA will not provide an administrative appeal...

12 CFR 16.6 - Sales of nonconvertible debt.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Sales of nonconvertible debt. 16.6 Section 16.6... RULES § 16.6 Sales of nonconvertible debt. (a) The OCC will deem offers or sales of bank issued...) Prior to or simultaneously with the sale of the debt, each purchaser receives an offering document that...

12 CFR 16.6 - Sales of nonconvertible debt.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Sales of nonconvertible debt. 16.6 Section 16.6... RULES § 16.6 Sales of nonconvertible debt. (a) The OCC will deem offers or sales of bank issued... grade; (5) Prior to or simultaneously with the sale of the debt, each purchaser receives an offering...

Debt-Repaying Mechanism in Chinese Relationships: An Exploration of the Folk Concepts of "Pao" and Human Emotional Debt.

ERIC Educational Resources Information Center

Chang, Hui-Ching; Holt, G. Richard

1994-01-01

Explores the mechanisms of "pao" and human emotional debt underlying Chinese human relationships through interviews with 55 Chinese in Taiwan. The definition, recompensation, minimization, and manipulation of human emotional debt and the linguistic code by which relations can be made closer or more distant following the principles of…

45 CFR 2506.41 - What are the Corporation's procedures for collecting debts by tax refund offset?

Code of Federal Regulations, 2010 CFR

2010-10-01

... collecting debts by tax refund offset? 2506.41 Section 2506.41 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE COLLECTION OF DEBTS Tax Refund Offset § 2506.41 What are the Corporation's procedures for collecting debts by tax refund offset? (a) The...

10 CFR 1015.405 - Discharge of indebtedness; reporting requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... (b) 31 U.S.C. 3711(i) requires DOE to sell a delinquent non-tax debt upon termination of collection... indebtedness; reporting requirements. (a) Before discharging a delinquent debt (also referred to as a close out of the debt), DOE shall take all appropriate steps to collect the debt in accordance with 31 U.S.C...

17 CFR 204.76 - Use of credit bureau or consumer reporting agencies.

Code of Federal Regulations, 2010 CFR

2010-04-01

... interest that will accrue on the debt, that all costs incurred to collect the debt will be charged to the... EXCHANGE COMMISSION RULES RELATING TO DEBT COLLECTION Miscellaneous: Credit Bureau Reporting, Collection... delinquent debts to consumer reporting agencies (See 31 U.S.C. 3701(a)(3), 3711). Sixty days prior to release...

7 CFR 1403.9 - Late payment interest and administrative charges.

Code of Federal Regulations, 2010 CFR

2010-01-01

... apply: (i) To debts owed by Federal agencies and State and local governments. Interest on debts owed by... the rate of interest charged by the U.S. Treasury for funds borrowed by CCC on the day the debt became... shall be expressed as an annual rate of interest which CCC charges on delinquent debts. The late payment...

Should the Public Pay for Higher Education? Equality, Liberty, and Educational Debt

ERIC Educational Resources Information Center

Martin, Christopher

2017-01-01

As governments shift costs from the public to students, a higher education has become synonymous with educational debt. Liberal egalitarians have justified educational debt on the grounds that it facilitates socioeconomic equality. On this view, the public should only fund access for those students who are so poorly off that educational debt would…

7 CFR 1951.136 - Procedures for Department of Treasury offset and cross-servicing for the Rural Housing Service...

Code of Federal Regulations, 2010 CFR

2010-01-01

...-Servicing (Cross-Servicing) Program, which centralizes all Government debt collection actions. A borrower... debts which are over 180 days delinquent to the Secretary of the Treasury for collection by centralized... the debt is reported to Treasury. The notice will include: (1) The nature and amount of the debt, the...

Playing the Numbers: The Best Bad Option

ERIC Educational Resources Information Center

Doyle, William R.

2012-01-01

College graduates and current students are swimming in a sea of debt. As of this writing, the total amount of outstanding student loan debt has been estimated at $960 billion. The Occupy Student Debt movement, inspired by Occupy Wall Street, has suggested that all student loan debt should be forgiven. As a starting point, members of the movement…

78 FR 54568 - Debt That Is a Position in Personal Property That Is Part of a Straddle

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-05

... regarding when an issuer's obligation under a debt instrument may be a position in actively traded personal... actively traded.'' A debt or obligation generally is not property of the debtor or obligor. Nevertheless... is denominated in a nonfunctional currency, the obligor's position under the debt obligation is a...

Relationships between College Students' Credit Card Debt, Undesirable Academic Behaviors and Cognitions, and Academic Performance

ERIC Educational Resources Information Center

Hogan, Eileen A.; Bryant, Sarah K.; Overymyer-Day, Leslie E.

2013-01-01

The acquisition of credit card debt by college students has long been a topic of concern. This study explores relationships among debt, undesirable academic behaviors and cognitions, and academic performance, through surveys of 338 students in a public university, replicating two past measures of credit card debt and creating new measures of…

Transparency in State Debt Disclosure. Working Papers. No. 17-10

ERIC Educational Resources Information Center

Zhao, Bo; Wang, Wen

2017-01-01

We develop a new measure of relative debt transparency by comparing the amount of state debt reported in the annual Census survey and the amount reported in the statistical section of the state Comprehensive Annual Financial Report (CAFR). GASB 44 requires states to start reporting their total debt in the CAFR statistical section in FY 2006.…

29 CFR 4903.31 - Eligibility of debt for tax refund offset.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 4903.31 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION INTERNAL...) If the debt is a consumer debt and exceeds $100, the PBGC has disclosed the debt to a consumer reporting agency (as authorized by 31 U.S.C. 3711(f) and provided in § 4903.32), unless a consumer reporting...

13 CFR 120.975 - CDC Liquidation of loans and debt collection litigation.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false CDC Liquidation of loans and debt... BUSINESS LOANS Development Company Loan Program (504) Authority of Cdcs to Perform Liquidation and Debt Collection Litigation § 120.975 CDC Liquidation of loans and debt collection litigation. (a) PCLP CDCs. If a...

13 CFR 120.975 - CDC Liquidation of loans and debt collection litigation.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false CDC Liquidation of loans and debt... BUSINESS LOANS Development Company Loan Program (504) Authority of Cdcs to Perform Liquidation and Debt Collection Litigation § 120.975 CDC Liquidation of loans and debt collection litigation. (a) PCLP CDCs. If a...

13 CFR 120.975 - CDC Liquidation of loans and debt collection litigation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false CDC Liquidation of loans and debt... BUSINESS LOANS Development Company Loan Program (504) Authority of Cdcs to Perform Liquidation and Debt Collection Litigation § 120.975 CDC Liquidation of loans and debt collection litigation. (a) PCLP CDCs. If a...

13 CFR 120.975 - CDC Liquidation of loans and debt collection litigation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false CDC Liquidation of loans and debt... BUSINESS LOANS Development Company Loan Program (504) Authority of Cdcs to Perform Liquidation and Debt Collection Litigation § 120.975 CDC Liquidation of loans and debt collection litigation. (a) PCLP CDCs. If a...

13 CFR 120.975 - CDC Liquidation of loans and debt collection litigation.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false CDC Liquidation of loans and debt... BUSINESS LOANS Development Company Loan Program (504) Authority of Cdcs to Perform Liquidation and Debt Collection Litigation § 120.975 CDC Liquidation of loans and debt collection litigation. (a) PCLP CDCs. If a...

12 CFR 160.40 - Commercial paper and corporate debt securities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Commercial paper and corporate debt securities... LENDING AND INVESTMENT § 160.40 Commercial paper and corporate debt securities. Pursuant to HOLA section 5... paragraph (a)(1)(i) of this section. (2) Corporate debt securities must be: (i) Securities that may be sold...

A Handbook on Debt Management for Colleges and Universities.

ERIC Educational Resources Information Center

Forrester, Robert T.

Between 1983 and 1986, colleges and universities issued about $20 billion of debt for facilities and student financing, and it is predicted that billions of dollars of new debt will be needed for building renovation. Debt capacity, management, and accounting are now major issues, and the purpose of this book is to provide a handy reference manual…

34 CFR 30.35 - What procedures does the Secretary follow to report debts to consumer reporting agencies?

Code of Federal Regulations, 2010 CFR

2010-07-01

... Debts to Consumer Reporting Agencies § 30.35 What procedures does the Secretary follow to report debts to consumer reporting agencies? (a)(1) The Secretary reports information regarding debts arising... 34 Education 1 2010-07-01 2010-07-01 false What procedures does the Secretary follow to report...

20 CFR 422.425 - How will we conduct our review of the debt?

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false How will we conduct our review of the debt? 422.425 Section 422.425 Employees' Benefits SOCIAL SECURITY ADMINISTRATION ORGANIZATION AND PROCEDURES Collection of Debts by Administrative Wage Garnishment § 422.425 How will we conduct our review of the debt...

A Lifetime of Student Debt? Not Likely

ERIC Educational Resources Information Center

Wilson, Robin

2009-01-01

In this article, the author examines the issue of student debt. Despite tales of gargantuan student debt burdens for some college graduates, studies show that most students borrow sensibly, pay it back, and are better off for having gone to college. But for a vocal minority of borrowers, problems with student-loan debt are very real. About 8…

Student Debt and the Class of 2011

ERIC Educational Resources Information Center

Reed, Matthew; Cochrane, Debbie

2012-01-01

Student Debt and the Class of 2011 is the seventh annual report on the cumulative student loan debt of recent graduates from four-year public and private nonprofit colleges. The authors' analysis found that the debt levels of students who graduate with loans continued to rise, with considerable variation among states as well as among colleges. The…

15 CFR 19.14 - How will Commerce entities report Commerce debts to credit bureaus?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false How will Commerce entities report Commerce debts to credit bureaus? 19.14 Section 19.14 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.14 How will Commerce entities...

15 CFR 19.14 - How will Commerce entities report Commerce debts to credit bureaus?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false How will Commerce entities report Commerce debts to credit bureaus? 19.14 Section 19.14 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.14 How will Commerce entities...

15 CFR 19.14 - How will Commerce entities report Commerce debts to credit bureaus?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false How will Commerce entities report Commerce debts to credit bureaus? 19.14 Section 19.14 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.14 How will Commerce entities...

15 CFR 19.14 - How will Commerce entities report Commerce debts to credit bureaus?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false How will Commerce entities report Commerce debts to credit bureaus? 19.14 Section 19.14 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.14 How will Commerce entities...

15 CFR 19.14 - How will Commerce entities report Commerce debts to credit bureaus?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false How will Commerce entities report Commerce debts to credit bureaus? 19.14 Section 19.14 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.14 How will Commerce entities...

36 CFR 1011.15 - How will the Presidio Trust refer debts to private collection contractors?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false How will the Presidio Trust... Property PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.15 How will the Presidio Trust refer debts to private collection contractors? The Presidio Trust will transfer delinquent...

7 CFR 3430.61 - Debt collection.

Code of Federal Regulations, 2010 CFR

2010-01-01

...-GENERAL AWARD ADMINISTRATIVE PROVISIONS Post-Award and Closeout § 3430.61 Debt collection. The collection... funds, unobligated balances, or other circumstances, are subject to the Department's debt collection...

Can medical students afford to choose primary care? An economic analysis of physician education debt repayment.

PubMed

Youngclaus, James A; Koehler, Paul A; Kotlikoff, Laurence J; Wiecha, John M

2013-01-01

Some discussions of physician specialty choice imply that indebted medical students avoid choosing primary care because education debt repayment seems economically unfeasible. The authors analyzed whether a physician earning a typical primary care salary can repay the current median level of education debt and meet standard household expenses without incurring additional debt. In 2010-2011, the authors used comprehensive financial planning software to model the annual finances for a fictional physician's household to compare the impact of various debt levels, repayment plans, and living expenses across three specialties. To accurately develop this spending model, they used published data from federal and local agencies, real estate sources, and national organizations. Despite growing debt levels, the authors found that physicians in all specialties can repay the current level of education debt without incurring more debt. However, some scenarios, typically those with higher borrowing levels, required trade-offs and compromises. For example, extended repayment plans require large increases in the total amount of interest repaid and the number of repayment years required, and the use of a federal loan forgiveness/repayment program requires a service obligation such as working at a nonprofit or practicing in a medically underserved area. A primary care career remains financially viable for medical school graduates with median levels of education debt. Graduates pursuing primary care with higher debt levels need to consider additional strategies to support repayment such as extended repayment terms, use of a federal loan forgiveness/repayment program, or not living in the highest-cost areas.

Debt Profiles of Model Students: The Projected Debt of Highly Productive Students and Its Economic Impact

ERIC Educational Resources Information Center

Fincher, Mark E.

2017-01-01

A common misperception suggests that a high-achieving student can easily complete a degree with very limited debt, and that students with high levels of debt are thus underachievers. This assumption is supported by memories of previous decades when it was realistically possible for most students to work their way through college. This view,…

15 CFR 19.16 - When will Commerce entities refer Commerce debts to the Department of Justice?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false When will Commerce entities refer Commerce debts to the Department of Justice? 19.16 Section 19.16 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.16 When will...

15 CFR 19.11 - How will Commerce entities use tax refund offset to collect a Commerce debt?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false How will Commerce entities use tax refund offset to collect a Commerce debt? 19.11 Section 19.11 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.11 How will...

15 CFR 19.11 - How will Commerce entities use tax refund offset to collect a Commerce debt?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false How will Commerce entities use tax refund offset to collect a Commerce debt? 19.11 Section 19.11 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.11 How will...

15 CFR 19.11 - How will Commerce entities use tax refund offset to collect a Commerce debt?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false How will Commerce entities use tax refund offset to collect a Commerce debt? 19.11 Section 19.11 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.11 How will...

15 CFR 19.16 - When will Commerce entities refer Commerce debts to the Department of Justice?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false When will Commerce entities refer Commerce debts to the Department of Justice? 19.16 Section 19.16 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.16 When will...

15 CFR 19.11 - How will Commerce entities use tax refund offset to collect a Commerce debt?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false How will Commerce entities use tax refund offset to collect a Commerce debt? 19.11 Section 19.11 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.11 How will...

15 CFR 19.11 - How will Commerce entities use tax refund offset to collect a Commerce debt?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false How will Commerce entities use tax refund offset to collect a Commerce debt? 19.11 Section 19.11 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.11 How will...

15 CFR 19.16 - When will Commerce entities refer Commerce debts to the Department of Justice?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false When will Commerce entities refer Commerce debts to the Department of Justice? 19.16 Section 19.16 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.16 When will...

15 CFR 19.16 - When will Commerce entities refer Commerce debts to the Department of Justice?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false When will Commerce entities refer Commerce debts to the Department of Justice? 19.16 Section 19.16 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.16 When will...

15 CFR 19.16 - When will Commerce entities refer Commerce debts to the Department of Justice?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false When will Commerce entities refer Commerce debts to the Department of Justice? 19.16 Section 19.16 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.16 When will...

25 CFR 513.20 - What debts can the Commission refer to Treasury for collection by administrative and tax refund...

Code of Federal Regulations, 2010 CFR

2010-04-01

... COMMISSION, DEPARTMENT OF THE INTERIOR GENERAL PROVISIONS DEBT COLLECTION Administrative and Tax Refund Offset § 513.20 What debts can the Commission refer to Treasury for collection by administrative and tax... person to the Treasury for administrative and tax refund offset if the debt: (1) Has been delinquent for...

25 CFR 513.21 - What notice will a debtor be given of the Commission's intent to collect a debt through...

Code of Federal Regulations, 2010 CFR

2010-04-01

... intent to collect a debt through administrative and tax refund offset? 513.21 Section 513.21 Indians... collect a debt through administrative and tax refund offset? (a) The Commission will give the debtor... after the date of the notice, the Commission will refer the debt to Treasury for administrative and tax...

Student Loan Debt for Community College Transfer Students and How Debt Information Letters Impact Future Borrowing Decisions

ERIC Educational Resources Information Center

Mckinney, Kenneth Paul

2017-01-01

There has been a proliferation of student loan debt over the past decade. The indebtedness that students incur while attending college reduces their discretionary income once they enter repayment after graduation. For graduates, there is an opportunity cost along with personal and professional life decisions being made based on this debt. For…

15 CFR 19.4 - What notice will Commerce entities send to a debtor when collecting a Commerce debt?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false What notice will Commerce entities send to a debtor when collecting a Commerce debt? 19.4 Section 19.4 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.4...

24 CFR 17.159 - Application of offset funds: Federal payment is insufficient to cover amount of debt.

Code of Federal Regulations, 2010 CFR

2010-04-01

...: Federal payment is insufficient to cover amount of debt. 17.159 Section 17.159 Housing and Urban... Procedures for the Collection of Claims by the Government Irs Tax Refund and Federal Payment Offset... insufficient to cover amount of debt. If an offset of a Federal payment is insufficient to satisfy a debt, the...

Financial Factors and Institutional Characteristics That Relate to the Long-Term Debt of U.S. Four-Year Public Colleges and Universities

ERIC Educational Resources Information Center

Keith, Dana Sims

2013-01-01

Debt for public colleges and universities has been increasing while financial resources, which provide the support to repay debt, have been declining. As debt increases in proportion to assets, the risk profile of a college or university increases. This study examined the relationships between financial variables and institutional characteristics…

17 CFR 240.15c3-1g - Conditions for ultimate holding companies of certain brokers or dealers (Appendix G to 17 CFR 240...

Code of Federal Regulations, 2014 CFR

2014-04-01

... conditions of paragraphs (a)(1)(ii)(A) through (D) of this appendix G; (B) Subordinated debt if the original weighted average maturity of the subordinated debt is at least five years; each subordinated debt... the Securities Investor Protection Corporation; the subordinated debt is unsecured and subordinated in...

36 CFR 1011.21 - How do other Federal agencies use the offset process to collect debts from payments issued by the...

Code of Federal Regulations, 2010 CFR

2010-07-01

... use the offset process to collect debts from payments issued by the Presidio Trust? 1011.21 Section 1011.21 Parks, Forests, and Public Property PRESIDIO TRUST DEBT COLLECTION Procedures for Offset of Presidio Trust Payments To Collect Debts Owed To Other Federal Agencies § 1011.21 How do other Federal...

"I Fully Expect to Die with This Debt"

ERIC Educational Resources Information Center

Patton, Stacey

2013-01-01

Student-loan debt is not just a problem for young, recent college graduates searching for their first jobs. Growing numbers of adults nearing the ends of their careers are accumulating such big debt, too, and they don't have a lifetime to pay it back. In fact, student-loan debt is growing fastest among adults ages 60 and older, with more than two…

26 CFR 1.1272-2 - Treatment of debt instruments purchased at a premium.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 11 2010-04-01 2010-04-01 true Treatment of debt instruments purchased at a....1272-2 Treatment of debt instruments purchased at a premium. (a) In general. Under section 1272(c)(1), if a holder purchases a debt instrument at a premium, the holder does not include any OID in gross...

7 CFR 3.79 - Review of USDA records related to the debt.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 1 2013-01-01 2013-01-01 false Review of USDA records related to the debt. 3.79....79 Review of USDA records related to the debt. (a) Notification by employee. An employee who intends to inspect or copy USDA records related to the debt must send a letter to USDA stating his or her...

7 CFR 3.79 - Review of USDA records related to the debt.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 1 2010-01-01 2010-01-01 false Review of USDA records related to the debt. 3.79....79 Review of USDA records related to the debt. (a) Notification by employee. An employee who intends to inspect or copy USDA records related to the debt must send a letter to USDA stating his or her...

7 CFR 3.79 - Review of USDA records related to the debt.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 1 2011-01-01 2011-01-01 false Review of USDA records related to the debt. 3.79....79 Review of USDA records related to the debt. (a) Notification by employee. An employee who intends to inspect or copy USDA records related to the debt must send a letter to USDA stating his or her...

7 CFR 3.79 - Review of USDA records related to the debt.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 1 2012-01-01 2012-01-01 false Review of USDA records related to the debt. 3.79....79 Review of USDA records related to the debt. (a) Notification by employee. An employee who intends to inspect or copy USDA records related to the debt must send a letter to USDA stating his or her...

7 CFR 3.79 - Review of USDA records related to the debt.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 1 2014-01-01 2014-01-01 false Review of USDA records related to the debt. 3.79....79 Review of USDA records related to the debt. (a) Notification by employee. An employee who intends to inspect or copy USDA records related to the debt must send a letter to USDA stating his or her...

15 CFR 19.12 - How will Commerce entities offset a Federal employee's salary to collect a Commerce debt?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false How will Commerce entities offset a Federal employee's salary to collect a Commerce debt? 19.12 Section 19.12 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.12...

15 CFR 19.12 - How will Commerce entities offset a Federal employee's salary to collect a Commerce debt?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false How will Commerce entities offset a Federal employee's salary to collect a Commerce debt? 19.12 Section 19.12 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.12...

15 CFR 19.12 - How will Commerce entities offset a Federal employee's salary to collect a Commerce debt?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false How will Commerce entities offset a Federal employee's salary to collect a Commerce debt? 19.12 Section 19.12 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.12...

15 CFR 19.12 - How will Commerce entities offset a Federal employee's salary to collect a Commerce debt?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false How will Commerce entities offset a Federal employee's salary to collect a Commerce debt? 19.12 Section 19.12 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.12...

36 CFR 1011.7 - When will the Presidio Trust compromise a debt?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false When will the Presidio Trust... Procedures To Collect Presidio Trust Debts § 1011.7 When will the Presidio Trust compromise a debt? (a... debt owed to the Presidio Trust that is not recovered as the result of a compromise will be reported to...

36 CFR 1011.16 - When will the Presidio Trust refer debts to the Department of Justice?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false When will the Presidio Trust... PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.16 When will the Presidio... collection activity. The Presidio Trust will refer debts having a principal balance over $100,000, or such...

78 FR 4425 - Notice of Proposed Information Collection: Comment Request; Debt Resolution Program

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-22

... collect debt owed to the agency. As part of the collection process, demand for repayment is made on the... offers to repay the debt result in information collections. Borrowers who wish to pay less than the full... process, demand for repayment is made on the debtor(s). In response, debtors opt to ignore the debt, pay...

Debt on graduation, expected place of practice, and career aspirations of Auckland Medical School students.

PubMed

O'Grady, G; Fitzjohn, J

2001-10-26

To determine the debt level that current Auckland medical students expect to graduate with, and evaluate this debt in the context of their career aspirations and intended place of practice. Simple check-box and fill-in-the-blank surveys were distributed to Auckland University medical students in Years 1 through to 5 during their second week of scheduled lectures in March 2000. Students were asked to provide demographic details, then complete sections on debt and career aspirations. 70% of Auckland medical students participated. Average expected debt was between $60000 to $70000. Predicted size of graduation debt was significantly related with plans to practice medicine overseas, and this trend was especially strong among females. In addition, Maori and Polynesian students bear a disproportionate level of the student debt burden compared to Pakeha and Asian groups. 77% of students indicated a preference for working in private or hospital specialty work. Student debt will have major effects on the composition of the New Zealand medical workforce over coming years. More attention must be paid to the national picture of medical student indebtedness if adequate workforce planning is to be possible.

Seeing red: Americans driven into debt by medical bills. Results from a National Survey.

PubMed

Doty, Michelle M; Edwards, Jennifer N; Holmgren, Alyssa L

2005-08-01

New analysis of the 2003 Commonwealth Fund Biennial Health Insurance Survey reveals that an estimated 77 million Americans age 19 and older--nearly two of five (37%) adults--have difficulty paying medical bills, have accrued medical debt, or both. Working-age adults incur significantly higher rates of medical bill and debt problems than adults 65 and older, with rates highest among the uninsured. Even working-age adults who are continually insured have problems paying their medical bills and have medical debt. Unpaid medical bills and medical debt can limit access to health care: two-thirds of people with a medical bill or debt problem went without needed care because of cost--nearly three times the rate of those without these financial problems.

DebtRank: Too Central to Fail? Financial Networks, the FED and Systemic Risk

PubMed Central

Battiston, Stefano; Puliga, Michelangelo; Kaushik, Rahul; Tasca, Paolo; Caldarelli, Guido

2012-01-01

Systemic risk, here meant as the risk of default of a large portion of the financial system, depends on the network of financial exposures among institutions. However, there is no widely accepted methodology to determine the systemically important nodes in a network. To fill this gap, we introduce, DebtRank, a novel measure of systemic impact inspired by feedback-centrality. As an application, we analyse a new and unique dataset on the USD 1.2 trillion FED emergency loans program to global financial institutions during 2008–2010. We find that a group of 22 institutions, which received most of the funds, form a strongly connected graph where each of the nodes becomes systemically important at the peak of the crisis. Moreover, a systemic default could have been triggered even by small dispersed shocks. The results suggest that the debate on too-big-to-fail institutions should include the even more serious issue of too-central-to-fail. PMID:22870377

DebtRank: Too Central to Fail? Financial Networks, the FED and Systemic Risk

NASA Astrophysics Data System (ADS)

Battiston, Stefano; Puliga, Michelangelo; Kaushik, Rahul; Tasca, Paolo; Caldarelli, Guido

2012-08-01

Systemic risk, here meant as the risk of default of a large portion of the financial system, depends on the network of financial exposures among institutions. However, there is no widely accepted methodology to determine the systemically important nodes in a network. To fill this gap, we introduce, DebtRank, a novel measure of systemic impact inspired by feedback-centrality. As an application, we analyse a new and unique dataset on the USD 1.2 trillion FED emergency loans program to global financial institutions during 2008-2010. We find that a group of 22 institutions, which received most of the funds, form a strongly connected graph where each of the nodes becomes systemically important at the peak of the crisis. Moreover, a systemic default could have been triggered even by small dispersed shocks. The results suggest that the debate on too-big-to-fail institutions should include the even more serious issue of too-central-to-fail.

DebtRank: too central to fail? Financial networks, the FED and systemic risk.

PubMed

Battiston, Stefano; Puliga, Michelangelo; Kaushik, Rahul; Tasca, Paolo; Caldarelli, Guido

2012-01-01

Systemic risk, here meant as the risk of default of a large portion of the financial system, depends on the network of financial exposures among institutions. However, there is no widely accepted methodology to determine the systemically important nodes in a network. To fill this gap, we introduce, DebtRank, a novel measure of systemic impact inspired by feedback-centrality. As an application, we analyse a new and unique dataset on the USD 1.2 trillion FED emergency loans program to global financial institutions during 2008-2010. We find that a group of 22 institutions, which received most of the funds, form a strongly connected graph where each of the nodes becomes systemically important at the peak of the crisis. Moreover, a systemic default could have been triggered even by small dispersed shocks. The results suggest that the debate on too-big-to-fail institutions should include the even more serious issue of too-central-to-fail.

Study of advanced atmospheric entry systems for Mars

NASA Technical Reports Server (NTRS)

1978-01-01

Entry system designs are described for various advanced Mars missions including sample return, hard lander, and Mars airplane. The Mars exploration systems for sample return and the hard lander require decleration from direct approach entry velocities of about 6 km/s to terminal velocities consistent with surface landing requirements. The Mars airplane entry system is decelerated from orbit at 4.6 km/s to deployment near the surface. Mass performance characteristics of major elements of the Mass performance characteristics are estimated for the major elements of the required entry systems using Viking technology or logical extensions of technology in order to provide a common basis of comparison for the three entry modes mission mode approaches. The entry systems, although not optimized, are based on Viking designs and reflect current hardware performance capability and realistic mass relationships.

31 CFR 900.1 - Prescription of standards.

Code of Federal Regulations, 2010 CFR

2010-07-01

... the Debt Management Services, Financial Management Service, Department of the Treasury, 401 14th... regulations by Treasury. Rules governing the use of certain debt collection tools created under the Debt...

34 CFR 30.70 - How does the Secretary exercise discretion to compromise a debt or to suspend or terminate...

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 1 2011-07-01 2011-07-01 false How does the Secretary exercise discretion to compromise a debt or to suspend or terminate collection of a debt? 30.70 Section 30.70 Education Office of... Debt or the Suspension or Termination of Collection Action? § 30.70 How does the Secretary exercise...

15 CFR 19.19 - Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt? 19.19 Section 19.19 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.19...

15 CFR 19.19 - Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 15 Commerce and Foreign Trade 1 2014-01-01 2014-01-01 false Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt? 19.19 Section 19.19 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.19...

15 CFR 19.19 - Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 15 Commerce and Foreign Trade 1 2013-01-01 2013-01-01 false Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt? 19.19 Section 19.19 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.19...

15 CFR 19.19 - Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt? 19.19 Section 19.19 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.19...

15 CFR 19.19 - Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 15 Commerce and Foreign Trade 1 2012-01-01 2012-01-01 false Will Commerce entities issue a refund if money is erroneously collected on a Commerce debt? 19.19 Section 19.19 Commerce and Foreign Trade Office of the Secretary of Commerce COMMERCE DEBT COLLECTION Procedures To Collect Commerce Debts § 19.19...

34 CFR 30.70 - How does the Secretary exercise discretion to compromise a debt or to suspend or terminate...

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 1 2010-07-01 2010-07-01 false How does the Secretary exercise discretion to compromise a debt or to suspend or terminate collection of a debt? 30.70 Section 30.70 Education Office of... Debt or the Suspension or Termination of Collection Action? § 30.70 How does the Secretary exercise...

7 CFR 792.19 - Referral of delinquent debts to IRS for tax refund offset.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Referral of delinquent debts to IRS for tax refund... POLICIES AND PROCEDURES § 792.19 Referral of delinquent debts to IRS for tax refund offset. FSA may refer legally enforceable delinquent debts to IRS to be offset against tax refunds due to debtors under 26 U.S.C...

36 CFR 1201.40 - Which debts can NARA refer to the Treasury for collection by offsetting tax refunds?

Code of Federal Regulations, 2010 CFR

2010-07-01

... Refund Offset § 1201.40 Which debts can NARA refer to the Treasury for collection by offsetting tax... reduce a tax refund by the amount of a past-due, legally enforceable debt owed to a Federal agency. (b) For purposes of this section, a past-due, legally enforceable debt referrable to the Treasury for tax...

45 CFR 2506.40 - Which debts can the Corporation refer to Treasury for collection by offsetting tax refunds?

Code of Federal Regulations, 2010 CFR

2010-10-01

... to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE COLLECTION OF DEBTS Tax... Treasury to reduce a tax refund by the amount of a past-due, legally enforceable debt owed to a Federal... for tax refund offset is a debt that is owed to the Corporation and: (1) Is at least $25.00; (2...

7 CFR 1403.18 - Referral of delinquent debts to IRS or tax refund offset.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false Referral of delinquent debts to IRS or tax refund... POLICIES AND PROCEDURES § 1403.18 Referral of delinquent debts to IRS or tax refund offset. CCC may refer legally enforceable delinquent debts to IRS to be offset against tax refunds due to debtors under 26 U.S.C...

Maxed out: The Relationship between Credit Card Debt, Credit Card Distress and Grade Point Averages for College Students

ERIC Educational Resources Information Center

Smith, Temple Day

2011-01-01

Few students leave college with a plan for paying off their debt. Starting a career inundated with student loans and credit card debt burdens is a reality many college students face today. In the wake of graduation coming to terms with the consequences of credit card debt is stressful for many students. This dissertation observes the relationship…

Financially At-Risk College Students: An Exploratory Investigation of Student Loan Debt and Prioritization of Debt Repayment

ERIC Educational Resources Information Center

Pinto, Mary Beth; Mansfield, Phylis M.

2006-01-01

College students today face heavy student loan debt that is intensified by the amount of credit card debt they carry. This study provides a profile of financially at-risk students based on their credit card usage behavior. When compared to the non-financially at-risk students, those in the financially at-risk group were found to have higher…

31 CFR 285.5 - Centralized offset of Federal payments to collect nontax debts owed to the United States.

Code of Federal Regulations, 2010 CFR

2010-07-01

... to the United States. Debtor means a person who owes a debt to the United States. Delinquent or past... been made. Nothing in this section is intended to define whether a debt is delinquent or past-due for purposes other than offset under this section. Delinquent debt record means information about a past-due...

36 CFR 1011.11 - How will the Presidio Trust use tax refund offset to collect a debt?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false How will the Presidio Trust... PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.11 How will the Presidio Trust use tax refund offset to collect a debt? (a) Tax refund offset. In most cases, the FMS uses the...

36 CFR 1011.13 - How will the Presidio Trust use administrative wage garnishment to collect a debt from a debtor's...

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false How will the Presidio Trust... Parks, Forests, and Public Property PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.13 How will the Presidio Trust use administrative wage garnishment to collect a debt from a...

36 CFR 1011.19 - Will the Presidio Trust issue a refund if money is erroneously collected on a debt?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Will the Presidio Trust issue... Public Property PRESIDIO TRUST DEBT COLLECTION Procedures To Collect Presidio Trust Debts § 1011.19 Will the Presidio Trust issue a refund if money is erroneously collected on a debt? The Presidio Trust will...

A framework for evaluating capital structure.

PubMed

Sterns, J B; Majidzadeh, T K

1995-01-01

This article describes the rationale for accessing variable rate debt and the appropriate amount. It explores historical interest rate relationships and explains the motivation for incurring variable rate debt during certain interest rate environments. The article also explores the risks of variable rate debt and the liquid resources needed for prudent asset-liability management. Finally, the article outlines the financial statement impact of using variable rate debt.

Debt relief and public health spending in heavily indebted poor countries.

PubMed Central

Gupta, Sanjeev; Clements, Benedict; Guin-Siu, Maria Teresa; Leruth, Luc

2002-01-01

The Heavily Indebted Poor Countries (HIPC) Initiative, which was launched in 1996, is the first comprehensive effort by the international community to reduce the external debt of the world's poorest countries. The Initiative will generate substantial savings relative to current and past public spending on health and education in these countries. Although there is ample scope for raising public health spending in heavily indebted poor countries, it may not be advisable to spend all the savings resulting from HIPC resources for this purpose. Any comprehensive strategy for tackling poverty should also focus on improving the efficiency of public health outlays and on reallocating funds to programmes that are most beneficial to the poor. In order to ensure that debt relief increases poverty-reducing spending and benefits the poor, all such spending, not just that financed by HIPC resources, should be tracked. This requires that countries improve all aspects of their public expenditure management. In the short run, heavily indebted poor countries can take some pragmatic tracking measures based on existing public expenditure management systems, but in the longer run they should adopt a more comprehensive approach so as to strengthen their budget formulation, execution, and reporting systems. PMID:11953794

Medical student debt and major life choices other than specialty.

PubMed

Rohlfing, James; Navarro, Ryan; Maniya, Omar Z; Hughes, Byron D; Rogalsky, Derek K

2014-01-01

Background Median indebtedness at graduation is now more than $170,000 for graduates of US Medical Schools. Debate still exists as to whether higher debt levels influence students to choose high paying non-primary care specialties. Notably, no previous research on the topic has taken into account cost of attendance when constructing a debt model, nor has any research examined the non-career major life decisions that medical students face. Methods Medical students were surveyed using an anonymous electronic instrument developed for this study. The survey was delivered through a link included in a study email and students were recruited from school wide listservs and through snowball sampling (students were encouraged to share a link to the survey with other medical students). No incentives were offered for survey completion. Results Responses were recorded from 102 US Allopathic medical schools (n=3,032), with 22 institutions (11 public, 11 private) meeting inclusion criteria of 10% student body response proportion (n=1,846). Students with higher debt relative to their peers at their home institution reported higher frequencies of feeling callous towards others, were more likely to choose a specialty with a higher average annual income, were less likely to plan to practice in underserved locations, and were less likely to choose primary care specialties. Students with higher aggregate amounts of medical student loan debt were more likely to report high levels of stress from their educational debt, to delay getting married and to report disagreement that they would choose to become a physician again, if given the opportunity to revisit that choice. Increases in both aggregate and relative debt were associated with delaying having children, delaying buying a house, concerns about managing and paying back educational debt, and worrying that educational debt will influence one's specialty choice. Conclusions Medical student debt and particularly debt relative to peers at the same institution appears to influence the way that students approach major life choices like when to start a family, when to buy a home, and what specialty to choose. Future research should take into account cost of attendance when looking for the impact of medical student debt on major life choices.

Medical student debt and major life choices other than specialty.

PubMed

Rohlfing, James; Navarro, Ryan; Maniya, Omar Z; Hughes, Byron D; Rogalsky, Derek K

2014-01-01

Median indebtedness at graduation is now more than $170,000 for graduates of US Medical Schools. Debate still exists as to whether higher debt levels influence students to choose high paying non-primary care specialties. Notably, no previous research on the topic has taken into account cost of attendance when constructing a debt model, nor has any research examined the non-career major life decisions that medical students face. Medical students were surveyed using an anonymous electronic instrument developed for this study. The survey was delivered through a link included in a study email and students were recruited from school wide listservs and through snowball sampling (students were encouraged to share a link to the survey with other medical students). No incentives were offered for survey completion. Responses were recorded from 102 US Allopathic medical schools (n=3,032), with 22 institutions (11 public, 11 private) meeting inclusion criteria of 10% student body response proportion (n=1,846). Students with higher debt relative to their peers at their home institution reported higher frequencies of feeling callous towards others, were more likely to choose a specialty with a higher average annual income, were less likely to plan to practice in underserved locations, and were less likely to choose primary care specialties. Students with higher aggregate amounts of medical student loan debt were more likely to report high levels of stress from their educational debt, to delay getting married and to report disagreement that they would choose to become a physician again, if given the opportunity to revisit that choice. Increases in both aggregate and relative debt were associated with delaying having children, delaying buying a house, concerns about managing and paying back educational debt, and worrying that educational debt will influence one's specialty choice. Medical student debt and particularly debt relative to peers at the same institution appears to influence the way that students approach major life choices like when to start a family, when to buy a home, and what specialty to choose. Future research should take into account cost of attendance when looking for the impact of medical student debt on major life choices.

Medical student debt and major life choices other than specialty

PubMed Central

Rohlfing, James; Navarro, Ryan; Maniya, Omar Z.; Hughes, Byron D.; Rogalsky, Derek K.

2014-01-01

Background Median indebtedness at graduation is now more than $170,000 for graduates of US Medical Schools. Debate still exists as to whether higher debt levels influence students to choose high paying non-primary care specialties. Notably, no previous research on the topic has taken into account cost of attendance when constructing a debt model, nor has any research examined the non-career major life decisions that medical students face. Methods Medical students were surveyed using an anonymous electronic instrument developed for this study. The survey was delivered through a link included in a study email and students were recruited from school wide listservs and through snowball sampling (students were encouraged to share a link to the survey with other medical students). No incentives were offered for survey completion. Results Responses were recorded from 102 US Allopathic medical schools (n=3,032), with 22 institutions (11 public, 11 private) meeting inclusion criteria of 10% student body response proportion (n=1,846). Students with higher debt relative to their peers at their home institution reported higher frequencies of feeling callous towards others, were more likely to choose a specialty with a higher average annual income, were less likely to plan to practice in underserved locations, and were less likely to choose primary care specialties. Students with higher aggregate amounts of medical student loan debt were more likely to report high levels of stress from their educational debt, to delay getting married and to report disagreement that they would choose to become a physician again, if given the opportunity to revisit that choice. Increases in both aggregate and relative debt were associated with delaying having children, delaying buying a house, concerns about managing and paying back educational debt, and worrying that educational debt will influence one's specialty choice. Conclusions Medical student debt and particularly debt relative to peers at the same institution appears to influence the way that students approach major life choices like when to start a family, when to buy a home, and what specialty to choose. Future research should take into account cost of attendance when looking for the impact of medical student debt on major life choices. PMID:25391976

Why do vulnerability cycles matter in financial networks?

NASA Astrophysics Data System (ADS)

Silva, Thiago Christiano; Tabak, Benjamin Miranda; Guerra, Solange Maria

2017-04-01

We compare two widely employed models that estimate systemic risk: DebtRank and Differential DebtRank. We show that not only network cyclicality but also the average vulnerability of banks are essential concepts that contribute to widening the gap in the systemic risk estimates of both approaches. We find that systemic risk estimates are the same whenever the network has no cycles. However, in case the network presents cyclicality, then we need to inspect the average vulnerability of banks to estimate the underestimation gap. We find that the gap is small regardless of the cyclicality of the network when its average vulnerability is large. In contrast, the observed gap follows a quadratic behavior when the average vulnerability is small or intermediate. We show results using an econometric exercise and draw guidelines both on artificial and real-world financial networks.

A cross-disciplinary assessment of student loans debt, financial support for study and career preferences upon graduation.

PubMed

Webster, Craig S; Ling, Christopher; Barrow, Mark; Poole, Phillippa; Henning, Marcus

2017-07-21

To explore relationships between student loans debt, financial support and career preferences upon graduation for all healthcare disciplines offered at the Faculty of Medical and Health Sciences, University of Auckland. The Faculty Tracking Project is a longitudinal study which invites students to complete a questionnaire at the beginning and end of their educational programmes, including questions on debt, financial support and career preference. Our analysis comprised three phases: (1) a descriptive analysis of data related to debt and financial support; (2) a principal component analysis in order to find related categories of career choice; and (3) logistic regression models to determine how career preference categories could be explained by either levels of student loans debt or financial support. Data from 2,405 participating students were included. Students in health sciences, nursing and pharmacy typically accrue levels of student loans debt of around $15,000 to $29,999, while optometry students accrue debt around $15,000 higher. Medical students show debt distributed around modes of $0 and $90,000 or more. All students typically access three sources of financial support during study. Career preferences at graduation reduced to four categories for all health disciplines. We found five significant effects, involving students in health sciences, medicine and pharmacy, relating the number of sources of financial support to the four categories of career preference. No significant effects were found related to level of student loans debt. Our results suggest that financial support is a more strongly determining factor in career choices than the level of student loans debt. The four-category framework for student career preferences appears to be a useful model for further research.

75 FR 81247 - Privacy Act of 1974; System of Records

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-27

... Control Records system of records is also covered by the Defense Finance and Accounting System T7330a... Defense Finance and Accounting System T7332, Defense Debt Management System (February 17, 2009, 74 FR 7665... of 1974; System of Records AGENCY: Office of the Secretary, DoD. ACTION: Notice to delete three...

31 CFR 306.23 - Securities eligible to be held in the TREASURY DIRECT Book-entry Securities System.

Code of Federal Regulations, 2010 CFR

2010-07-01

... TREASURY DIRECT Book-entry Securities System. 306.23 Section 306.23 Money and Finance: Treasury Regulations... Securities eligible to be held in the TREASURY DIRECT Book-entry Securities System. (a) Eligible issues. The... conversion to the TREASURY DIRECT Book-entry Securities System. The notice shall specify the period during...

Testing for a Debt-Threshold Effect on Output Growth.

PubMed

Lee, Sokbae; Park, Hyunmin; Seo, Myung Hwan; Shin, Youngki

2017-12-01

Using the Reinhart-Rogoff dataset, we find a debt threshold not around 90 per cent but around 30 per cent, above which the median real gross domestic product (GDP) growth falls abruptly. Our work is the first to formally test for threshold effects in the relationship between public debt and median real GDP growth. The null hypothesis of no threshold effect is rejected at the 5 per cent significance level for most cases. While we find no evidence of a threshold around 90 per cent, our findings from the post-war sample suggest that the debt threshold for economic growth may exist around a relatively small debt-to-GDP ratio of 30 per cent. Furthermore, countries with debt-to-GDP ratios above 30 per cent have GDP growth that is 1 percentage point lower at the median.

Student debt amongst junior doctors in New Zealand; part 1: quantity, distribution, and psychosocial impact.

PubMed

Moore, James; Gale, Jesse; Dew, Kevin; Davie, Gabrielle

2006-02-17

To quantify student debt owed by first-year house officers at graduation, and to describe the effects of student debt on their lives. A questionnaire was sent was to all 296 New Zealand-graduate first-year house officers practicing in New Zealand. The survey included questions on demographics, level of debt, student support received, repayment since graduation, psychosocial and financial impact of debt, and career intentions. The response rate was 53%. Ninety-two percent of respondents had some form of student debt, with 85% having a government student loan. The average total debt from all sources (excluding mortgages) at graduation was NZ65,206 dollars. Seventy-five percent of respondents owed more than 50,000 dollars and 13% had owed more than 100,000 dollars. Eighty-eight percent of respondents reported increased levels of stress as a result of their student loan, with 31% reporting that they worried about their student loan 'often' or 'always'. Eighty-three percent reported that their student loan had made it more difficult to save for their future, such as for a house deposit or for their retirement, and 42% stated that their student loan debt had influenced their decision whether to have children (or more children). Student debt has a major negative impact on the lives of house officers in New Zealand. These data provide a baseline for studying how changes in medical education affect junior doctors.

A retrospective analysis of the relationship between medical student debt and primary care practice in the United States.

PubMed

Phillips, Julie P; Petterson, Stephen M; Bazemore, Andrew W; Phillips, Robert L

2014-01-01

We undertook a study to reexamine the relationship between educational debt and primary care practice, accounting for the potentially confounding effect of medical student socioeconomic status. We performed retrospective multivariate analyses of data from 136,232 physicians who graduated from allopathic US medical schools between 1988 and 2000, obtained from the American Association of Medical Colleges Graduate Questionnaire, the American Medical Association Physician Masterfile, and other sources. Need-based loans were used as markers for socioeconomic status of physicians' families of origin. We examined 2 outcomes: primary care practice and family medicine practice in 2010. Physicians who graduated from public schools were most likely to practice primary care and family medicine at graduating educational debt levels of $50,000 to $100,000 (2010 dollars; P <.01). This relationship between debt and primary care practice persisted when physicians from different socioeconomic status groups, as approximated by loan type, were examined separately. At higher debt, graduates' odds of practicing primary care or family medicine declined. In contrast, private school graduates were not less likely to practice primary care or family medicine as debt levels increased. High educational debt deters graduates of public medical schools from choosing primary care, but does not appear to influence private school graduates in the same way. Students from relatively lower income families are more strongly influenced by debt. Reducing debt of selected medical students may be effective in promoting a larger primary care physician workforce. © 2014 Annals of Family Medicine, Inc.