42 CFR 505.17 - Reporting requirements for meeting the conditions for loan forgiveness.

Code of Federal Regulations, 2010 CFR

2010-10-01

..., DEPARTMENT OF HEALTH AND HUMAN SERVICES (CONTINUED) HEALTH CARE INFRASTRUCTURE IMPROVEMENT PROGRAM... measure used to track the qualifying hospital's progress in meeting its plan goals. (b) Review of annual...

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

ERIC Educational Resources Information Center

Field, Kelly

2007-01-01

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

34 CFR 685.217 - Teacher loan forgiveness program.

Code of Federal Regulations, 2010 CFR

2010-07-01

... eligible secondary school as a highly qualified mathematics or science teacher, or at an eligible educational service agency as a highly qualified teacher of mathematics or science to secondary school... borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics, and other areas...

The Impact of Incentives to Recruit and Retain Teachers in "Hard-to-Staff" Subjects

ERIC Educational Resources Information Center

Feng, Li; Sass, Tim R.

2018-01-01

We investigate the effects of a statewide program designed to increase the supply of teachers in designated "hard-to-staff" areas, such as special education, math, and science. Employing a difference-in-difference estimator we find that the loan forgiveness component of the program was effective, reducing mean attrition rates for middle…

34 CFR 682.216 - Teacher loan forgiveness program.

Code of Federal Regulations, 2013 CFR

2013-07-01

... consecutive years— (i) At an eligible secondary school as a highly qualified mathematics or science teacher, or at an eligible educational service agency as a highly qualified teacher of mathematics or science... borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics, and other areas...

34 CFR 682.216 - Teacher loan forgiveness program.

Code of Federal Regulations, 2014 CFR

2014-07-01

... consecutive years— (i) At an eligible secondary school as a highly qualified mathematics or science teacher, or for an eligible educational service agency as a highly qualified teacher of mathematics or science... borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics, and other areas...

34 CFR 682.216 - Teacher loan forgiveness program.

Code of Federal Regulations, 2012 CFR

2012-07-01

... consecutive years— (i) At an eligible secondary school as a highly qualified mathematics or science teacher, or at an eligible educational service agency as a highly qualified teacher of mathematics or science... borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics, and other areas...

34 CFR 685.219 - Public Service Loan Forgiveness Program.

Code of Federal Regulations, 2010 CFR

2010-07-01

... entity; (2) A public child or family service agency; (3) A non-profit organization under section 501(c)(3... interest law services, early childhood education (including licensed or regulated child care, Head Start... partisan political organization, or an organization engaged in religious activities, unless the qualifying...

34 CFR 682.216 - Teacher loan forgiveness program.

Code of Federal Regulations, 2010 CFR

2010-07-01

... secondary school as a highly qualified mathematics or science teacher, or at an eligible educational service agency as a highly qualified teacher of mathematics or science to secondary school students; or (ii) At... in reading, writing, mathematics, and other areas of the elementary school curriculum, as certified...

34 CFR 682.216 - Teacher loan forgiveness program.

Code of Federal Regulations, 2011 CFR

2011-07-01

... serves low-income families as a full-time teacher for five consecutive complete academic years. The... elementary or secondary school may be counted toward the required five consecutive complete academic years only if at least one year of teaching was after the 1997-1998 academic year. (iii) Teaching at an...

34 CFR 685.217 - Teacher loan forgiveness program.

Code of Federal Regulations, 2011 CFR

2011-07-01

... serves low-income families as a full-time teacher for five consecutive complete academic years. The... elementary or secondary school may be counted toward the required five consecutive complete academic years only if at least one year of teaching was after the 1997-1998 academic year. (iii) Teaching at an...

Student loan burden and its impact on career decisions in dermatology.

PubMed

Nguyen, Jannett; Song, Eingun; Liu, Michael A; Lee, Patrick K; Truong, Sam

2017-12-01

Dermatology departments in the United States face difficulties in recruiting dermatologists to academic positions, raising concerns for the future of dermatology education and research. This preliminary study aimed to explore the impact of student loan burden on career plans in dermatology and to determine if the Public Service Loan Forgiveness (PSLF) program can be used as a recruitment tool for academic positions in dermatology. Results from this electronic survey, which was distributed to dermatology residents and attending physicians, revealed that debt burden may influence career decisions in dermatology. Dermatologists may not be fully educated on loan repayment options. With increased awareness, the PSLF can potentially be used as a recruitment tool for academic positions in dermatology.

Iowa Chiropractic Students Outlook for Practitioners and Need for State-Funded Assistance.

ERIC Educational Resources Information Center

Greiner, Keith

This state-mandated study examined the needs of Iowa chiropractic students and the Iowa demand for chiropractic health care in order to determine the feasibility of establishing a chiropractic forgivable loan program. The project used financial aid data and repayment rate data to evaluate the need for financial aid for chiropractic students;…

34 CFR 682.211 - Forbearance.

Code of Federal Regulations, 2014 CFR

2014-07-01

... disability; (6) Upon receipt of a valid identity theft report as defined in section 603(q)(4) of the Fair... furnished by the lender is a result of an alleged identity theft as defined in § 682.402(e)(14), for a... requirements of the teacher loan forgiveness program in § 682.216; and (iii) In yearly increments (or a lesser...

Financial Recruitment Incentive Programs for Nursing Personnel in Canada.

PubMed

Mathews, Maria; Ryan, Dana

2015-03-01

Financial incentives are increasingly offered to recruit nursing personnel to work in underserved communities. The authors describe and compare the characteristics of federal, provincial and territorial financial recruitment incentive programs for registered nurses (RNs), nurse practitioners (NPs), licensed practical nurses (LPNs), registered practical nurses or registered psychiatric nurses. The authors identified incentive programs from government, health ministry and student aid websites and by contacting program officials. Only government-funded recruitment programs providing funding beyond the normal employee wages and benefits and requiring a service commitment were included. The authors excluded programs offered by hospitals, regional or private firms, and programs that rewarded retention. All provinces and territories except QC and NB offer financial recruitment incentive programs for RNs; six provinces (BC, AB, SK, ON, QC and NL) offer programs for NPs, and NL offers a program for LPNs. Programs include student loan forgiveness, tuition forgiveness, education bursaries, signing bonuses and relocation expenses. Programs target trainees, recent graduates and new hires. Funding and service requirements vary by program, and service requirements are not always commensurate with funding levels. This snapshot of government-funded recruitment incentives provides program managers with data to compare and improve nursing workforce recruitment initiatives. Copyright © 2015 Longwoods Publishing.

7 CFR 762.145 - Restructuring guaranteed loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... criteria of § 762.120, except the provisions regarding prior debt forgiveness and delinquency on a federal...) Applicable credit reports. (vi) Financial history (and production history for standard eligible lenders) for...

Energy Education Loan Forgiveness Act of 2010

THOMAS, 111th Congress

Rep. Wilson, Charles A. [D-OH-6

2010-03-03

House - 03/22/2010 Referred to the Subcommittee on Higher Education, Lifelong Learning, and Competitiveness. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Student Loan Forgiveness and Repayment Assistance Act of 2010

THOMAS, 111th Congress

Sen. Specter, Arlen [D-PA

2010-04-29

Senate - 04/29/2010 Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Factors Associated With Medical School Graduates' Intention to Work With Underserved Populations: Policy Implications for Advancing Workforce Diversity.

PubMed

Garcia, Andrea N; Kuo, Tony; Arangua, Lisa; Pérez-Stable, Eliseo J

2018-01-01

Given projected U.S. physician shortages across all specialties that will likely impact underserved areas disproportionately, the authors sought to explore factors most correlated with medical school graduates' intention to work with underserved populations (IWUP). Data from the 2010-2012 Association of American Medical Colleges Medical School Graduation Questionnaire (n = 40,846) were analyzed. Variables (demographics, career preference, debt burden, intention to enter loan forgiveness programs) were examined using chi-square tests and logistic regression models. Respondents included 49.5% (20,228/40,846) women, 16.6% (6,771/40,837) underrepresented minorities (URMs), and 32.4% (13,034/37,342) with primary care intent. The median educational debt was $160,000. Respondents who were women (adjusted odds ratio [aOR] 1.59, 95% confidence interval [CI] 1.49, 1.70), URMs (aOR 2.50, 95% CI 2.30, 2.72), intended to enter loan forgiveness programs (aOR 2.44, 95% CI 2.26, 2.63), intended to practice primary care (aOR 1.65, 95% CI 1.54, 1.76), and intended to emphasize nonclinical careers (aOR 1.23, 95% CI 1.11, 1.37) had greater odds of reporting IWUP. Among those who chose specialties and careers with a nonclinical emphasis, and among those with greater burdens of educational and consumer debt, URMs were nearly twice as likely as other minorities and whites to report IWUP. Findings suggest physician characteristics that may be associated with filling workforce gaps in underserved areas. Restructuring financial incentive programs to support physician leaders and specialists with characteristics associated with IWUP may complement similar policies in primary care and could have key impacts on health equity in underserved areas.

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.

76 FR 15956 - Notice of Submission for OMB Review

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-22

...-income elementary school, secondary school, or educational service agency. The Teacher Loan Forgiveness... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review AGENCY: Department of Education... Office of Information and Regulatory Affairs, Attention: Education Desk Officer, Office of Management and...

Integrating Green Infrastructure with Community Needs: El Cerrito Green Streets Project

EPA Pesticide Factsheets

The El Cerrito Redevelopment Agency, in combination with the San Francisco Estuary Partnership, obtained a $392,000 loan with 100 principal forgiveness through ARRA for the construction of a series of rain gardens and bioswales along San Pablo Avenue.

Federal Education Update, December 2004. Commission Update 04-17.

ERIC Educational Resources Information Center

California Postsecondary Education Commission, 2004

2004-01-01

This update presents some of the major issues affecting education occurring at the national level. These include: Higher Education Act Extended for One Year; New Law Increases Loan Forgiveness for Teachers; Domestic Appropriations Measures Completed; Change in Federal Student Aid Rules; Bush Advisor Nominated To Be Education Secretary In Second…

42 CFR 505.15 - Plan criteria for meeting the conditions for loan forgiveness.

Code of Federal Regulations, 2010 CFR

2010-10-01

... for cancer prevention, early diagnosis, and treatment for a substantial majority of the residents of a... plan must— (1) Address cancer prevention for cancers that are prevalent in the designated populations or cancers that are targeted by the qualifying hospital, interventions, and goals for decreasing the...

42 CFR 505.15 - Plan criteria for meeting the conditions for loan forgiveness.

Code of Federal Regulations, 2011 CFR

2011-10-01

... for cancer prevention, early diagnosis, and treatment for a substantial majority of the residents of a... plan must— (1) Address cancer prevention for cancers that are prevalent in the designated populations or cancers that are targeted by the qualifying hospital, interventions, and goals for decreasing the...

42 CFR 505.15 - Plan criteria for meeting the conditions for loan forgiveness.

Code of Federal Regulations, 2014 CFR

2014-10-01

... for cancer prevention, early diagnosis, and treatment for a substantial majority of the residents of a... plan must— (1) Address cancer prevention for cancers that are prevalent in the designated populations or cancers that are targeted by the qualifying hospital, interventions, and goals for decreasing the...

42 CFR 505.15 - Plan criteria for meeting the conditions for loan forgiveness.

Code of Federal Regulations, 2013 CFR

2013-10-01

... for cancer prevention, early diagnosis, and treatment for a substantial majority of the residents of a... plan must— (1) Address cancer prevention for cancers that are prevalent in the designated populations or cancers that are targeted by the qualifying hospital, interventions, and goals for decreasing the...

42 CFR 505.15 - Plan criteria for meeting the conditions for loan forgiveness.

Code of Federal Regulations, 2012 CFR

2012-10-01

... for cancer prevention, early diagnosis, and treatment for a substantial majority of the residents of a... plan must— (1) Address cancer prevention for cancers that are prevalent in the designated populations or cancers that are targeted by the qualifying hospital, interventions, and goals for decreasing the...

The Need for and Possibility of a Christian Forgiveness Education in Schools

ERIC Educational Resources Information Center

van der Walt, Johannes; de Muynck, Bram; Broer, Nico; Wolhuter, Charl; Potgieter, Ferdinand

2018-01-01

Individuals and communities occasionally need asking and giving forgiveness. Because the process of forgiving is not always well understood, it has become necessary to consider including forgiveness education in school pedagogy and in formal school programs such as Citizenship Education. This possibility is illustrated with examples from South…

34 CFR 682.211 - Forbearance.

Code of Federal Regulations, 2012 CFR

2012-07-01

... valid identity theft report as defined in section 603(q)(4) of the Fair Credit Reporting Act (15 U.S.C... alleged identity theft as defined in § 682.402(e)(14), for a period not to exceed 120 days necessary for... qualify the borrower for loan forgiveness and associated forbearance under the requirements of the teacher...

34 CFR 682.211 - Forbearance.

Code of Federal Regulations, 2013 CFR

2013-07-01

... valid identity theft report as defined in section 603(q)(4) of the Fair Credit Reporting Act (15 U.S.C... alleged identity theft as defined in § 682.402(e)(14), for a period not to exceed 120 days necessary for... qualify the borrower for loan forgiveness and associated forbearance under the requirements of the teacher...

34 CFR 682.211 - Forbearance.

Code of Federal Regulations, 2011 CFR

2011-07-01

... valid identity theft report as defined in section 603(q)(4) of the Fair Credit Reporting Act (15 U.S.C... alleged identity theft as defined in § 682.402(e)(14), for a period not to exceed 120 days necessary for... qualify the borrower for loan forgiveness and associated forbearance under the requirements of the teacher...

Alternative School Student Perceptions about Forgiveness

ERIC Educational Resources Information Center

Edgar-Smith, Susan; Palmer, Ruth Baugher

2017-01-01

The investigative setting for this study was an alternative educational program that serves at-risk middle and secondary school students. The study evaluated students' conceptual understandings of forgiveness, their exercise of forgiveness in the face of perceived school-related transgressions, as well as the relationship between the two variables…

A Forgiveness Intervention for Women With Fibromyalgia Who Were Abused in Childhood: A Pilot Study

PubMed Central

2014-01-01

This pilot study compared the efficacy of a forgiveness intervention with a fibromyalgia (FM) health intervention on women with FM who have experienced emotional, physical, or sexual abuse, and emotional or physical neglect, in childhood by one of their parents. Eleven women with FM between the ages of 21 and 68 were randomized to the forgiveness intervention (n = 5) or the FM health intervention (n = 6), and completed the once-weekly individualized program for 24 weeks. The participants completed measures assessing forgiveness, overall FM health, depression, anger, anxiety, self-esteem, and coping strategies at the pretest, the posttest, and the 12-week follow-up test. They also completed the forgiveness intervention and FM health intervention final tests at the posttest, which assessed their knowledge on forgiveness and FM health. The forgiveness intervention participants had greater improvements in forgiveness (p < .001) and overall FM health (p = .046) from the pretest to the posttest, and in forgiveness (p = .018) and state anger (p = .027) from the pretest to the follow-up test than the FM health intervention participants. Moreover, the forgiveness intervention participants scored higher on the forgiveness final test than the FM health intervention participants (p < .001), and the FM health intervention participants scored higher on the FM health final test than the forgiveness intervention participants (p < .001). The results indicate that the forgiveness intervention was potentially helpful in improving forgiveness and overall FM health, and in decreasing state anger of this particular sample of women with FM. PMID:25914886

To provide for loan forgiveness for STEM teachers, and for other purposes.

THOMAS, 113th Congress

Rep. Swalwell, Eric [D-CA-15

2018-05-24

House - 05/24/2018 Referred to the Committee on Ways and Means, and in addition to the Committee on Education and the Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the... (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

To repeal the Tax Cuts and Jobs Act, forgive all outstanding Federal student loans, and for other purposes.

THOMAS, 111th Congress

Rep. Polis, Jared [D-CO-2

2018-05-23

House - 05/23/2018 Referred to the Committee on Ways and Means, and in addition to the Committees on Education and the Workforce, Natural Resources, and Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions... (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Positive emotional change: mediating effects of forgiveness and spirituality.

PubMed

Levenson, Michael R; Aldwin, Carolyn M; Yancura, Loriena

2006-01-01

We evaluated the efficacy of an emotional education program that seeks to reduce the intergenerational transmission of negative interaction patterns by increasing forgiveness and spirituality. We examined both reduction of psychological symptoms and increase in positive psychological outcomes over the course of a year, as well as the mediators of this change. At baseline, the sample consisted of 99 participants and 47 waiting list controls. Comparisons of scores from baseline (Time 1) to one week after the Hoffman Quadrinity Process (Time 2) showed large declines in negative affect (depressive symptoms) and increases in both positive outcomes (mastery, empathy, emotional intelligence, life satisfaction, forgiveness, and spiritual experience) and health and well-being. Over the course of a year, most of these gains were sustained, in comparison with the control group. Further, increases in forgiveness and spirituality mediated the effect of program participation on depressive symptoms.

Integrating Models of Collaborative Consultation and Systems Change to Implement Forgiveness-Focused Bullying Interventions

ERIC Educational Resources Information Center

Skaar, Nicole R.; Freedman, Suzanne; Carlon, Amy; Watson, Elizabeth

2016-01-01

Through collaborative consultation with school staff, school psychologists have increasingly helped schools add bullying prevention and intervention programming to their service delivery systems. As schools search for ways to lessen the impact of bullying on the social-emotional health and academic achievement of students, forgiveness education is…

A longitudinal study of the role of children's altruism and forgiveness in the relation between parental aggressive discipline and anxiety of preschoolers in China.

PubMed

Kwok, Sylvia Y C L; Gu, Minmin; Cheung, Andy P S

2017-03-01

Using data collected over a 1-year period on a stratified random sample of 368 parents with children studying in nurseries (mean age=3.97years), this study assessed the predictive effects of parental corporal punishment, parental psychological aggression, preschoolers' altruism, and preschoolers' forgiveness on preschoolers' anxiety symptoms in Hong Kong, China. Results of hierarchical regression analyses showed that parental psychological aggression, preschoolers' altruism and preschoolers' forgiveness at Time 1 significantly predicted preschoolers' anxiety at Time 2, when controlling for the initial level of preschoolers' anxiety and important demographic variables that co-vary with preschoolers' anxiety. Moreover, preschoolers' altruism moderated the predictive effect of parental psychological aggression on preschoolers' anxiety symptoms. The study has several significant contributions. First, the study supports the predictive effect of parental aggressive discipline on preschoolers' anxiety. Second, we provide evidence that preschoolers' altruism and forgiveness negatively predict preschoolers' anxiety symptoms. Third, preschoolers' altruism and forgiveness are shown to protect them against parental psychological aggression. A dual-focus approach to intervention and prevention is proposed to reduce aggressive discipline by parents as well as to enhance altruism and forgiveness in children. Parent training programs could be provided to teach parents positive discipline strategies. Home-based or school-based interventions could be designed for preschool children to foster and enhance their altruism and forgiveness. Copyright © 2017 Elsevier Ltd. All rights reserved.

Borrow or Serve? An Economic Analysis of Options for Financing a Medical School Education

PubMed Central

Marcu, Mircea I.; Hunter, Christine; Curtis, Jerri; Rice, Charles; Wilensky, Gail R.

2017-01-01

Purpose To understand the long-term economic implications of key pathways for financing a medical school education. Method The authors calculated the net present value (NPV) of cash flow over a 30-year career for a 2013 matriculant associated with (1) self-financing, (2) federally guaranteed loans, (3) the Public Service Loan Forgiveness program, (4) the National Health Service Corps, (5) the Armed Forces Health Professions Scholarship Program, and (6) matriculation at the Uniformed Services University of the Health Sciences. They calculated the NPV for students pursuing one of four specialties in two cities with divergent tax policies. Borrowers were assumed to have a median level of debt ($180,000), and conservative projections of inflation, discount rates, and income growth were employed. Sensitivity analyses examined different discount and income growth rates, alternative repayment strategies, and various lengths of public-sector service by scholarship recipients. Results For those wealthy enough to pay cash or fortunate enough to secure a no-strings scholarship, self-financing produced the highest NPV in almost every scenario. Borrowers start practice $300,000 to $400,000 behind their peers who secure a national service scholarship, but those who enter a highly paid specialty, such as orthopedic surgery, overtake their national service counterparts 4 to 11 years after residency. Those in lower-paid specialties take much longer. Borrowers who enter primary care never close the gap. Conclusions Over time, the value of a medical degree offsets the high up-front cost. Debt avoidance confers substantial economic benefits, particularly for students interested in primary care. PMID:28121649

Borrow or Serve? An Economic Analysis of Options for Financing a Medical School Education.

PubMed

Marcu, Mircea I; Kellermann, Arthur L; Hunter, Christine; Curtis, Jerri; Rice, Charles; Wilensky, Gail R

2017-07-01

To understand the long-term economic implications of key pathways for financing a medical school education. The authors calculated the net present value (NPV) of cash flow over a 30-year career for a 2013 matriculant associated with (1) self-financing, (2) federally guaranteed loans, (3) the Public Service Loan Forgiveness program, (4) the National Health Service Corps, (5) the Armed Forces Health Professions Scholarship Program, and (6) matriculation at the Uniformed Services University of the Health Sciences. They calculated the NPV for students pursuing one of four specialties in two cities with divergent tax policies. Borrowers were assumed to have a median level of debt ($180,000), and conservative projections of inflation, discount rates, and income growth were employed. Sensitivity analyses examined different discount and income growth rates, alternative repayment strategies, and various lengths of public-sector service by scholarship recipients. For those wealthy enough to pay cash or fortunate enough to secure a no-strings scholarship, self-financing produced the highest NPV in almost every scenario. Borrowers start practice $300,000 to $400,000 behind their peers who secure a national service scholarship, but those who enter a highly paid specialty, such as orthopedic surgery, overtake their national service counterparts 4 to 11 years after residency. Those in lower-paid specialties take much longer. Borrowers who enter primary care never close the gap. Over time, the value of a medical degree offsets the high up-front cost. Debt avoidance confers substantial economic benefits, particularly for students interested in primary care.

Beliefs of Counselor Trainees about Forgiveness

ERIC Educational Resources Information Center

Ebru Ikiz, Fatma; Mete-Otlu, Bahar; Asici, Esra

2015-01-01

Counselors might be able to help clients to forgive after interpersonal hurts and one of the first tasks of working toward forgiveness with clients is helping them understand exactly what forgiveness means. However, a counselor who wants to use forgiveness in his/her work must first know what forgiveness is, what forgiveness is not, and which…

Forgiveness and interpersonal relationships: a Nepalese investigation.

PubMed

Watkins, David A; Hui, Eadaoin K P; Luo, Wenshu; Regmi, Murari; Worthington, Everett L; Hook, Joshua N; Davis, Don E

2011-01-01

The present study examined the practice of forgiveness in Nepal. A model relating collectivism and forgiveness was examined. Participants (N = 221) completed measures of collectivism, individualism, forgiveness, conciliatory behavior, and motivations for avoidance and revenge toward the offender. Collectivism was positively related to forgiveness. Forgiveness was strongly related to conciliatory behavior and motivations for avoidance and revenge toward the offender. Decisional forgiveness was a stronger predictor of motivations for revenge than was emotional forgiveness.

Forgive and Forget: Differences between Decisional and Emotional Forgiveness.

PubMed

Lichtenfeld, Stephanie; Buechner, Vanessa L; Maier, Markus A; Fernández-Capo, Maria

2015-01-01

To forgive and forget is a well-known idiom, which has rarely been looked at empirically. In the current experiment, we investigated differences between emotional and decisional forgiveness on forgetting. The present study provides the first empirical support that emotional forgiveness has a strong influence on subsequent incidental forgetting. Specifically, our results demonstrate that emotional forgiveness leads to substantially higher levels of forgetting in respect to offense relevant traits compared to both decisional forgiveness and no forgiveness. This provides evidence for our hypothesized effect that only individuals who have emotionally forgiven a transgression, and not those who just decided to forgive, subsequently forget offense relevant traits attributed to the transgressor.

Preventing AIDS in the developing world.

PubMed

Horton, R

1993-06-12

The World Health Organization (WHO) was criticized at the 9th International Conference on AIDS in Berlin by an ACT UP spokesman for lacking a coordinated strategy against HIV and AIDS. ACT UP further called for the implementation of networks of effective treatment and care programs in lieu of continued pilot projects, and urged the World Bank to write off loans to nations most jeopardized by AIDS. Dr. Dean Jamison of the Bank discounted the viability of such loan forgiveness on the basis of equity. Funding should instead come from developing countries with the help of developed nations, the private sector, and international bodies. Declining age at first intercourse has led to half of all HIV infections worldwide occurring among individuals under age 25 years; HIV spread among the young is the main driving force behind the pandemic. Professor Peter Piot of WHO emphasized the importance of focusing efforts on women; paying attention to nongovernmental organizations as a group which receives 15% of WHO country funding; and taking issue with those who claim that no HIV/AIDS epidemic exists in Africa. Coordinated action taken to provide condoms, treat sexually transmitted diseases, and eradicate HIV could prevent up to 4 million infections in Africa, 4 million in Asia, and 1 million in Latin America. The director of the WHO's Global Program on AIDS, Dr. Michael Merson, asserted that half of all new HIV infections predicted for the developing world for the rest of the decade could be prevented if another $1.5-2.9 billion annually were invested in nations' HIV prevention strategies. These investments would save $90 billion in health costs and lost economic activity by the end of the century. Such an outlay is minuscule next to the $49 billion cost to Kuwait of the military Operation Desert Storm.

The stories we tell: how age, gender, and forgiveness affect the emotional content of autobiographical narratives.

PubMed

Robertson, Sarah M C; Swickert, Rhonda J

2018-04-01

Researchers have been attempting to understand the variables that predict differences in autobiographical narratives, given that these differences often reveal important information about the psychological characteristics of the person providing the narrative. A sample of young adults (n = 80) and older adults (n = 80) completed a battery of self-report measures in addition to an autobiographical narrative task in which they described a negative emotional experience. These narratives were transcribed and entered into a text analysis program. Results indicated a significant three-way interaction (age × gender × forgiveness) for negative emotion words. Results also indicated two significant two-way interactions (age × forgiveness and gender × forgiveness) and one significant main effect for anger words. There were no significant findings related to anxiety or sad words. Results are discussed in the context of Socioemotional Selectivity Theory, which asserts that social and emotional goals shift throughout the lifespan such that older adults are more motivated to regulate their emotions than young adults. Clinical applications and future directions are discussed.

Collectivistic Self-Construal and Forgiveness

ERIC Educational Resources Information Center

Hook, Joshua N.; Worthington, Everett L., Jr.; Utsey, Shawn O.; Davis, Don E.; Burnette, Jeni L.

2012-01-01

This study tested a theoretical model of the relationship between collectivism and forgiveness. Participants (N= 298) completed measures of collectivistic self-construal, forgiveness, and forgiveness-related constructs. A collectivistic self-was related to understanding forgiveness as an interpersonal process that involved reconciliation.…

Situational, interpersonal, and intrapersonal characteristic associations with adolescent conflict forgiveness.

PubMed

Johnson, H Durell; Wernli, Molly A; LaVoie, Joseph C

2013-01-01

ABSTRACT. Given the voluntary nature of adolescent friendships, forgiveness of interpersonal transgressions has been identified as a critical aspect of maintaining these relationships. However, transgression forgiveness is related to a range of situational (e.g., transgression severity), interpersonal (e.g., friendship commitment), and intrapersonal (e.g., victim's empathy) factors. Data from 161 adolescents were used to examine the nature of the relationships between these factors and forgiveness and to examine the differential association patterns for adolescent boys and girls. Results for the overall adolescent sample indicated both situational and interpersonal factor associations with forgiveness (R2 = .52, p < .001). Examination of separate female and male forgiveness reports indicated similar interpersonal factor associations and differential situational factor associations with female (R2 = .46, p < .001), and male (R2 = .60, p < .001) forgiveness. Findings suggest the likelihood of forgiving may be contextually dependent, and that researchers should consider transgression, relationship, and intrapersonal characteristics when examining forgiveness. Further, the present study suggests the contextual factors associated with forgiveness may be further differentiated by gender.

Does forgiveness mediate the impact of school bullying on adolescent mental health?

PubMed

van Rensburg, Estie Janse; Raubenheimer, Jacques

2015-01-01

The link between both bullying and victimisation and psychopathology has been well established. Forgiveness has been associated with better mental health. However, few studies have examined the relationship between adolescent forgiveness, psychopathology and bullying/victimisation. This study investigated forgiveness as a mediator of the adverse mental health problems experienced by bullies and victims of bullying. Participants were 355 Year 10 or Year 11 pupils (age = 14.9 years) from two British secondary schools in 2007, who completed self-administered measures on bullying and victimisation, mental health, forgiveness of self and others, and forgivingness. The mediating influence of forgiveness on the impact of bullying/victimisation on mental health was tested with a structural equation model. Data from 55.6% of the 639 eligible pupils were analysed. Results confirmed an association between bullying/victimisation, forgiveness and psychopathology. Forgiveness scores were found to play a mediating role between bullying/victimisation and psychopathology. Victimised adolescents who were better able to forgive themselves were more likely to report lower levels of psychopathology, while bullying adolescents who were unable to forgive others were more likely to report higher levels of psychopathology. This suggests a greater role for forgiveness within future research, intervention and policy on bullying. Forgiveness can form a valuable part of preventative and educational anti-bullying programmes.

Interpersonal Forgiveness within the Helping Professions: An Attempt to Resolve Differences of Opinion.

ERIC Educational Resources Information Center

Enright, Robert D.; And Others

1992-01-01

Uses Lakatos's philosophy of science as guide for resolving published authors' differences of opinion about interpersonal forgiveness. Reviews ancient writings and current philosophical writings on interpersonal forgiveness. Critiques papers on forgiveness which have counseling implications. Describes process model of interpersonal forgiveness.…

Forgiving and Feeling Forgiven in Late Adulthood

ERIC Educational Resources Information Center

Torges, Cynthia; Ingersoll-Dayton, Berit; Krause, Neal

2013-01-01

Enright and colleagues (1996) emphasized the beneficial effect of experiencing forgiveness across multiple domains. We build upon their conceptualization of forgiveness by adding a domain--forgiveness by God--to create global forgiveness. In the current study, we use data from a nationally representative study, the Religion, Aging and Health…

How Do People Conceptualize and Use Forgiveness? The Forgiveness Attitudes Questionnaire.

ERIC Educational Resources Information Center

Kanz, Jason E.

2000-01-01

Study explores how people use and conceptualize interpersonal forgiveness and introduces the Forgiveness Attitudes Questionnaire (FAQ), an instrument designed to explore forgiveness. The instrument was administered to 155 students from two Midwestern colleges. Results suggest that the FAQ shows early promise as an instrument for exploring…

The Dark Side of Forgiveness: The Tendency to Forgive Predicts Continued Psychological and Physical Aggression in Marriage

PubMed Central

McNulty, James K.

2014-01-01

Despite a burgeoning literature that documents numerous positive implications of forgiveness, scholars know very little about the potential negative implications of forgiveness. In particular, the tendency to express forgiveness may lead offenders to feel free to offend again by removing unwanted consequences for their behavior (e.g., anger, criticism, rejection, loneliness) that would otherwise discourage reoffending. Consistent with this possibility, the current longitudinal study of newlywed couples revealed a positive association between spouses’ reports of their tendencies to express forgiveness to their partners and those partners’ reports of psychological and physical aggression. Specifically, although spouses who reported being relatively more forgiving experienced psychological and physical aggression that remained stable over the first 4 years of marriage, spouses who reported being relatively less forgiving experienced declines in both forms of aggression over time. These findings join just a few others in demonstrating that forgiveness is not a panacea. PMID:21558557

Efficacy of REACH Forgiveness across cultures.

PubMed

Lin, Yin; Worthington, Everett L; Griffin, Brandon J; Greer, Chelsea L; Opare-Henaku, Annabella; Lavelock, Caroline R; Hook, Joshua N; Ho, Man Yee; Muller, Holly

2014-09-01

This study investigates the efficacy of the 6-hour REACH Forgiveness intervention among culturally diverse undergraduates. Female undergraduates (N = 102) and foreign extraction (46.2%) and domestic (43.8%) students in the United States were randomly assigned to immediate treatment or waitlist conditions. Treatment efficacy and the effect of culture on treatment response were assessed using measures of emotional and decisional forgiveness across 3 time periods. Students in the treatment condition reported greater improvement in emotional forgiveness, but not decisional forgiveness, relative to those in the waitlist condition. Gains were maintained at a 1-week follow-up. Although culture did not moderate the effect of treatment, a main effect of culture on emotional forgiveness and marginally significant interaction effect of culture on decisional forgiveness were found. The REACH Forgiveness intervention was efficacious for college students from different cultural backgrounds when conducted in the United States. However, some evidence may warrant development of culturally adapted forgiveness interventions. © 2014 Wiley Periodicals, Inc.

The Role of Adult Attachment Style in Forgiveness Following an Interpersonal Offense

ERIC Educational Resources Information Center

Lawler-Row, Kathleen A.; Younger, Jarred W.; Piferi, Rachel L.; Jones, Warren H.

2006-01-01

The role of attachment style in relation to forgiveness was investigated in 2 betrayal interviews. Blood pressure and heart rate were assessed, along with attachment style, forgiveness, empathy, and emotional expressiveness. Securely attached individuals were more forgiving of the specific offense, had higher levels of trait forgiveness, and…

Can Group Interventions Facilitate Forgiveness of an Ex-Spouse?: A Randomized Clinical Trial

ERIC Educational Resources Information Center

Rye, Mark S.; Pargament, Kenneth I.; Pan, Wei; Yingling, David W.; Shogren, Karrie A.; Ito, Masako

2005-01-01

This study evaluated the effectiveness of 2 versions of an 8-session forgiveness group intervention for divorced individuals. Participants (randomized, n = 192; analyzed, n = 149) were randomly assigned to a secular forgiveness condition, a religious forgiveness condition, or a no-intervention comparison condition. Measures of forgiveness and…

On the relationship between justice and forgiveness: are all forms of justice made equal?

PubMed

Wenzel, Michael; Okimoto, Tyler G

2014-09-01

This research investigates whether, following a wrongdoing, the restoration of justice promotes forgiveness. Three studies - one correlational recall study and two experimental scenario studies - provide evidence that while a restored sense of justice is overall positively related to forgiveness, forgiveness is highly dependent on the means of justice restoration being retributive (punitive) versus restorative (consensus-seeking) in nature. The findings showed that, overall, restorative but not retributive responses led to greater forgiveness. Although both retributive and restorative responses appeared to increase forgiveness indirectly through increased feelings of justice, for retributive responses these effects were counteracted by direct effects on forgiveness. Moreover, the experimental evidence showed that, while feelings of justice derived from restorative responses were positively related to forgiveness, feelings of justice derived from retributive responses were not. © 2013 The British Psychological Society.

A dark side to self-forgiveness: forgiving the self and its association with chronic unhealthy behaviour.

PubMed

Wohl, Michael J A; Thompson, Andrea

2011-06-01

Contrary to conventional wisdom and extant empirical work, forgiving the self may have deleterious consequences, especially if self-forgiveness is granted for chronic unhealthy behaviours such as smoking. Among 181 smokers, it was predicted and found that increased self-forgiveness for smoking was associated with a decreased likelihood of advancing through the stages of behavioural change towards action. Moreover, forgiving the self, mediated the relationship between movements from the pre-contemplation to contemplation stage of change and perceived smoking cons as well as experiential processes. An expanded understanding of the benefits and costs of self-forgiveness is discussed. ©2011 The British Psychological Society.

Effects of lifetime stress exposure on mental and physical health in young adulthood: How stress degrades and forgiveness protects health.

PubMed

Toussaint, Loren; Shields, Grant S; Dorn, Gabriel; Slavich, George M

2016-06-01

To examine risk and resilience factors that affect health, lifetime stress exposure histories, dispositional forgiveness levels, and mental and physical health were assessed in 148 young adults. Greater lifetime stress severity and lower levels of forgiveness each uniquely predicted worse mental and physical health. Analyses also revealed a graded Stress × Forgiveness interaction effect, wherein associations between stress and mental health were weaker for persons exhibiting more forgiveness. These data are the first to elucidate the interactive effects of cumulative stress severity and forgiveness on health, and suggest that developing a more forgiving coping style may help minimize stress-related disorders. © The Author(s) 2014.

Cordelia, Lear, and forgiveness.

PubMed

Schafer, Roy

2005-01-01

Painful human interactions are often followed by urges to forgive, be forgiving, or seek forgiveness. The insight analysands develop into their transferences highlights their finding gratification in constantly reenacting painful interactions. Their new understanding can make forgiveness seem irrelevant; waiving the question of forgiveness might then seem the wiser course to follow. Also thrown into question is whether total forgiveness of self and others can ever be achieved. Shakespeare's The Tragedy of King Lear raises these questions. There we encounter, first, the painful interaction of Cordelia and Lear and, finally, Cordelia's response, "No cause, no cause," to a dying Lear's begging her forgiveness for having initially treated her cruelly. Cordelia's response seems to be waiving the question of guilt and forgiveness, but could it be wholehearted? In a search for answers, a reading of Cordelia's and Lear's lines is interwoven with interpretations of unconscious conflict that might be considered were one to encounter clinically a "Cordelia" abused by an aging and failing father at a turning point in her womanly development. Unconsciously, it is concluded, unforgivingness persists alongside the loving, insightful waiving of forgiveness made possible by higher-level ego functioning. Methodological reflections on reading and interpretation are included.

Comparison of attitudes of guilt and forgiveness in cancer patients without evidence of disease and advanced cancer patients in a palliative care setting.

PubMed

van Laarhoven, Hanneke W M; Schilderman, Johannes; Verhagen, Constans A H H V M; Prins, Judith B

2012-01-01

: Attitudes toward guilt and forgiveness may be important factors determining distress in cancer patients. Direct comparative studies in patients with different life expectancies exploring attitudes toward guilt and forgiveness are lacking. Also, sociodemographic and religious characteristics determining the attitudes toward guilt and forgiveness are unknown. : The objective of this study was to compare attitudes toward guilt and forgiveness in cancer patients without evidence of disease and advanced cancer patients. : A descriptive research design was used. Ninety-seven patients without evidence of disease and 55 advanced cancer patients filled out the Dutch Guilt Measurement Instrument and the Forgiveness of Others Scale. : Both groups had an attitude of nonreligious guilt and forgiveness, but not of religious guilt. No significant differences in attitudes toward guilt and forgiveness were observed between the 2 groups. In contrast to sociodemographic characteristics, religious characteristics were relevant predictors for guilt and forgiveness. Significant differences in relations between images of God and attitudes toward guilt were observed between the 2 patient groups. : An attitude of nonreligious guilt and forgiveness was found in cancer patients, irrespective of the stage of disease. Religious characteristics were significantly associated with attitudes of guilt and forgiveness. This correlation differed in the early and the advanced setting of disease. : The observed relations between religious characteristics and attitudes of guilt and forgiveness suggest that a careful examination of the role of religious beliefs and values is relevant in the clinical care of patients with cancer, both in the setting of early and advanced disease.

The Relationship Between Humor Styles and Forgiveness

PubMed Central

Hampes, William

2016-01-01

Research has shown that a factor in a victim’s forgiveness of an offender is the victim’s ability to make more positive, or at least less negative, attributions of the offender’s behavior and that perspective-taking can be a factor in facilitating that process. Self-enhancing humor has been found to be positively correlated with perspective-taking empathy and aggressive humor found to be negatively correlated with perspective-taking empathy. Therefore it was predicted that self-enhancing humor would be positively correlated with forgiveness and aggressive humor negatively correlated with forgiveness. The Humor Styles Questionnaire, the Absence of Negative and Presence of Positive subscales of the Forgiveness Scale, and the Forgiveness Likelihood Scale were administered to 112 college undergraduates. Self-enhancing humor was significantly and positively correlated with all of the forgiveness measures, aggressive humor and self-defeating humor were significantly and negatively correlated with some of the forgiveness measures and affiliative humor was not significantly correlated with any of the forgiveness measures. The results were interpreted in terms of previous findings for humor styles, perspective-taking empathy, depression, self-esteem and anxiety. Future research involving the extent to which other personality variables, such as perspective-taking empathy, mediate the relationship between self-enhancing humor and forgiveness was suggested. PMID:27547252

The Forgiveness Reconciliation Inventory: An Instrument to Process through Issues of Forgiveness and Conflict

ERIC Educational Resources Information Center

Balkin, Richard S.; Harris, Nephaterria A.; Freeman, Stephen J.; Huntington, Scott

2014-01-01

The Forgiveness Reconciliation Inventory is a theoretically derived instrument. Participants included individuals from clinical and nonclinical populations. Confirmatory factor analysis along with correlational designs and between-group comparisons indicate strong psychometric properties of the Forgiveness Reconciliation Inventory. The authors…

The construction of a model of the process of couples' forgiveness in emotion-focused therapy for couples.

PubMed

Meneses, Catalina Woldarsky; Greenberg, Leslie S

2011-10-01

This study explored how forgiveness unfolds in the context of emotion-focused couples therapy (EFT-C) in eight cases of women betrayed by their partners. Forgiveness was defined as a process involving the reduction in negative feelings and the giving out of undeserved compassion. This was measured by changes in the pre- and posttreatment scores on the Enright Forgiveness Inventory, the Unfinished Business Resolution Scale, and a single item directly asking respondents to indicate their degree of forgiveness. A task analysis was performed to rigorously track the steps leading to forgiveness using videotapes of therapy sessions for eight couples. The performance of the four couples who forgave were compared with each other and then contrasted with the performance of another four couples who did not reach forgiveness at the end of therapy. Based on these observations, a model of the process of forgiveness in EFT-C and a process rating system were developed. © 2011 American Association for Marriage and Family Therapy.

Prospective Associations between Religiousness/Spirituality and Depression and Mediating Effects of Forgiveness in a Nationally Representative Sample of United States Adults.

PubMed

Toussaint, Loren L; Marschall, Justin C; Williams, David R

2012-01-01

The present investigation examines the prospective associations of religiousness/spirituality with depression and the extent to which various dimensions of forgiveness act as mediating mechanisms of these associations. Data are from a nationally representative sample of United States adults who were first interviewed in 1998 and reinterviewed six months later. Measures of religiousness/spirituality, forgiveness, and various sociodemographics were collected. Depression was assessed using the Composite International Diagnostic Interview administered by trained interviewers. Results showed that religiousness/spirituality, forgiveness of oneself and others, and feeling forgiven by God were associated, both cross-sectionally and longitudinally, with depressive status. After controlling for initial depressive status, only forgiveness of oneself and others remained statistically significant predictors of depression. Path analyses revealed that religiousness/spirituality conveyed protective effects, prospectively, on depression by way of an indirect path through forgiveness of others but not forgiveness of oneself. Hence, forgiveness of others acts as a mechanism of the salutary effect of religiousness/spirituality, but forgiveness of oneself is an independent predictor. Conclusions regarding the continued development of this type of research and for the treatment of clients with depression are offered.

Prospective Associations between Religiousness/Spirituality and Depression and Mediating Effects of Forgiveness in a Nationally Representative Sample of United States Adults

PubMed Central

Toussaint, Loren L.; Marschall, Justin C.; Williams, David R.

2012-01-01

The present investigation examines the prospective associations of religiousness/spirituality with depression and the extent to which various dimensions of forgiveness act as mediating mechanisms of these associations. Data are from a nationally representative sample of United States adults who were first interviewed in 1998 and reinterviewed six months later. Measures of religiousness/spirituality, forgiveness, and various sociodemographics were collected. Depression was assessed using the Composite International Diagnostic Interview administered by trained interviewers. Results showed that religiousness/spirituality, forgiveness of oneself and others, and feeling forgiven by God were associated, both cross-sectionally and longitudinally, with depressive status. After controlling for initial depressive status, only forgiveness of oneself and others remained statistically significant predictors of depression. Path analyses revealed that religiousness/spirituality conveyed protective effects, prospectively, on depression by way of an indirect path through forgiveness of others but not forgiveness of oneself. Hence, forgiveness of others acts as a mechanism of the salutary effect of religiousness/spirituality, but forgiveness of oneself is an independent predictor. Conclusions regarding the continued development of this type of research and for the treatment of clients with depression are offered. PMID:22675623

Self-forgiveness in anorexia nervosa and bulimia nervosa.

PubMed

Watson, Michelle J; Lydecker, Janet A; Jobe, Rebecca L; Enright, Robert D; Gartner, Aubrey; Mazzeo, Suzanne E; Worthington, Everett L

2012-01-01

This study investigated whether low levels of self-forgiveness were associated with eating disorder symptomatology. Participating women (N = 51) had diagnoses of anorexia nervosa, bulimia nervosa, or no eating disorder diagnosis. They completed 3 measures of self-forgiveness. Women with eating disorders had lower levels of self-forgiveness compared with control participants. Results suggest that incorporating self-forgiveness interventions into current eating disorder treatments should be evaluated in future research as they might enhance clinical outcomes.

Two pathways to self-forgiveness: A hedonic path via self-compassion and a eudaimonic path via the reaffirmation of violated values.

PubMed

Woodyatt, Lydia; Wenzel, Michael; Ferber, Matthew

2017-09-01

Self-forgiveness is often measured as a hedonic end-state, as the presence of positive affect and the absence of negative affect towards the self following a wrongdoing. However, self-forgiveness is also referred to as a difficult process. Self-forgiveness as a process of accepting responsibility and working through one's wrongdoing is a substantially un-hedonic - it is likely to be uncomfortable and at times painful. In this study, we examine two pathways to self-forgiveness: a hedonic focused pathway (via self-compassion) and a eudaimonic pathway (via reaffirmation of transgressed values). Across two studies, the data suggest that following interpersonal transgressions, self-compassion reduces self-punitiveness and increases end-state self-forgiveness (Study 1) via a reduction in perceived stigma (Study 2). In contrast, value reaffirmation increases the process of genuine self-forgiveness and reduces defensiveness (Study 1) via increased concern for shared group values (Study 2), in turn increasing desire to reconcile (Study 1), and amend-making and end-state self-forgiveness 1 week following the intervention (Study 2). The results suggest that both pathways can lead to self-forgiveness; however, following a transgression, self-forgiveness via a eudaimonic pathway offers greater promise for meeting the needs of both offenders and victims. © 2017 The British Psychological Society.

Forgiveness and relationship satisfaction: mediating mechanisms.

PubMed

Braithwaite, Scott R; Selby, Edward A; Fincham, Frank D

2011-08-01

Although the ability to forgive transgressions has been linked to overall relationship satisfaction, the mechanisms that mediate this association have not been established. We propose that the tendency to forgive a romantic partner increases relationship satisfaction via increased relational effort and decreased negative conflict. In two studies, we used structural equations modeling to examine these variables as potential mechanisms that drive this association. In Study 1 (N = 523) and Study 2 (N = 446) we found that these variables significantly mediated the association between forgiveness and relationship satisfaction. The findings were robust when examined concurrently and longitudinally, across multiple measures of forgiveness, and when accounting for baseline relationship satisfaction and interpersonal commitment. These two mechanisms parallel theorized positive and negative dimensions of forgiveness and the motivational transformation that is said to underlie forgiveness. Theoretical implications and implications for intervention are discussed.

What determines forgiveness in close relationships? The role of post-transgression trust.

PubMed

Strelan, Peter; Karremans, Johan C; Krieg, Josiah

2017-03-01

Relationship closeness is one of the best predictors of forgiveness. But what is the process by which closeness encourages forgiveness? Across three studies, we employed a mix of experimental and correlational designs with prospective (N = 108), scenario (N = 71), and recall (N = 184) paradigms to test a multiple mediation model. We found consistent evidence that the positive association between relationship closeness and forgiveness may be explained by levels of post-transgression trust in the offender. Moreover, trust always played the main mediating role in the forgiveness process, even when taking into account several transgression-specific variables associated with both trust and forgiveness (e.g., apology). We discuss the theoretical and practical implications of trust as a key indicator of forgiveness in close relationships. © 2016 The British Psychological Society.

Forgiveness, Stress, and Health: a 5-Week Dynamic Parallel Process Study

PubMed Central

Toussaint, Loren L.; Shields, Grant S.; Slavich, George M.

2016-01-01

Background Psychological stress is a well-known risk factor for poor health, and recent research has suggested that the emotion-focused coping process of forgiveness may help mitigate these effects. To date, however, no studies have examined how levels of forgiveness, stress, and health fluctuate and interrelate over time. Purpose We addressed this issue by examining how forgiveness, stress, and mental and physical health symptoms change and relate to one another over 5 weeks. We hypothesized that increases in state levels of forgiveness would be associated with decreases in perceptions of stress, which would in turn be related to decreases in mental and physical health symptoms. A reverse effects model was also tested. Methods We recruited a large, community-based sample of 332 young, middle-aged, and older adults (16–79 years old; Mage = 27.9). Each week for 5 weeks, participants reported on their levels of state forgiveness, perceived stress, and mental and physical health symptoms. Results Levels of forgiveness, stress, and mental and physical health symptoms each showed significant change and individual variability in change over time. As hypothesized, increases in forgiveness were associated with decreases in stress, which were in turn related to decreases in mental (but not physical) health symptoms (i.e., forgiveness→ stress→ health). The reverse effects model (i.e., health → stress → forgiveness) provided a relatively poorer fit. Conclusions This study is the first to provide prospective, longitudinal evidence showing that greater forgiveness is associated with less stress and, in turn, better mental health. Strategies for cultivating forgiveness may thus have beneficial effects on stress and health. PMID:27068160

Six-Month Changes in Spirituality and Religiousness in Alcoholics Predict Drinking Outcomes at Nine Months*

PubMed Central

Robinson, Elizabeth A. R.; Krentzman, Amy R.; Webb, Jon R.; Brower, Kirk J.

2011-01-01

Objective: Although spiritual change is hypothesized to contribute to recovery from alcohol dependence, few studies have used prospective data to investigate this hypothesis. Prior studies have also been limited to treatment-seeking and Alcoholics Anonymous (AA) samples. This study included alcohol-dependent individuals, both in treatment and not, to investigate the effect of spiritual and religious (SR) change on subsequent drinking outcomes, independent of AA involvement. Method: Alcoholics (N = 364) were recruited for a panel study from two abstinence-based treatment centers, a moderation drinking program, and untreated individuals from the local community. Quantitative measures of SR change between baseline and 6 months were used to predict 9-month drinking outcomes, controlling for baseline drinking and AA involvement. Results: Significant 6-month changes in 8 of 12 SR measures were found, which included private SR practices, beliefs, daily spiritual experiences, three measures of forgiveness, negative religious coping, and purpose in life. Increases in private SR practices and forgiveness of self were the strongest predictors of improvements in drinking outcomes. Changes in daily spiritual experiences, purpose in life, a general measure of forgiveness, and negative religious coping also predicted favorable drinking outcomes. Conclusions: SR change predicted good drinking outcomes in alcoholics, even when controlling for AA involvement. SR variables, broadly defined, deserve attention in fostering change even among those who do not affiliate with AA or religious institutions. Last, future research should include SR variables, particularly various types of forgiveness, given the strong effects found for forgiveness of self. PMID:21683048

Effects of a Culture-Adaptive Forgiveness Intervention for Chinese College Students

ERIC Educational Resources Information Center

Ji, Mingxia; Hui, Eadaoin; Fu, Hong; Watkins, David; Tao, Linjin; Lo, Sing Kai

2016-01-01

The understanding and application of forgiveness varies across cultures. The current study aimed to examine the effect of a culture-adaptive Forgiveness Intervention on forgiveness attitude, self-esteem, empathy and anxiety of Mainland Chinese college students. Thirty-six participants were randomly allocated to either experimental groups or a…

The Relationship between Episodic and Dispositional Forgiveness, Psychosocial Development, and Counseling

ERIC Educational Resources Information Center

Poston, John M.; Hanson, William E.; Schwiebert, Valerie

2012-01-01

The relationship between episodic and dispositional forgiveness and the resolution of Erikson's (1963) psychosocial crises were explored in this study. Participants (N = 66) completed the Enright Forgiveness Inventory (Enright & Rique, 2004), Tendency to Forgive Scale (Brown, 2003), and Measures of Psychosocial Development (Hawley, 1988). Results…

Interpersonal Forgiveness and Psychological Well-Being in Late Childhood

ERIC Educational Resources Information Center

van der Wal, Reine C.; Karremans, Johan C.; Cillessen, Antonius H. N.

2016-01-01

Although the ability to forgive offending peers may be crucial for maintaining long-term friendships in childhood, little is actually known about forgiveness among peers in childhood. In the present research, we examined whether forgiveness among children is related to enhanced psychological well-being. Importantly, we hypothesized that this…

Relational and Social-Cognitive Correlates of Early Adolescents' Forgiveness of Parents

ERIC Educational Resources Information Center

Christensen, Katherine J.; Padilla-Walker, Laura M.; Busby, Dean M.; Hardy, Sam A.; Day, Randal D.

2011-01-01

This study examined how mother and father-child relationship quality and marital forgiveness were related to early adolescents' forgiveness of mothers and fathers. Adolescents' social-cognitive skills (empathy and emotional regulation) and parents' forgiveness of child were examined as mediators. Mother, father, and child self-reported…

Measuring Offence-Specific Forgiveness in Marriage: The Marital Offence-Specific Forgiveness Scale (MOFS)

ERIC Educational Resources Information Center

Paleari, F. Giorgia; Regalia, Camillo; Fincham, Frank D.

2009-01-01

Three studies involving 328 married couples were conducted to validate the Marital Offence-Specific Forgiveness Scale, a new measure assessing offence-specific forgiveness for marital transgressions. The studies examined the dimensionality; internal consistency; and discriminant, concurrent, and predictive validity of the new measure. The final…

Competitive personality attitudes and forgiveness of others.

PubMed

Collier, Shawn A; Ryckman, Richard M; Thornton, Bill; Gold, Joel A

2010-12-01

The authors conducted a survey to determine whether competitive attitudes are differentially associated with forgiveness or lack of forgiveness of others. The results showed that hypercompetitiveness was associated with a lack of forgiveness, whereas personal development competitiveness was associated positively with forgiveness. Discussion centers on the need to discourage socialization practices that foster the adoption of a self-contained individualism that is associated with a maladaptive hypercompetitiveness. Instead, parents should promote an ensembled individualism that is associated with a psychologically healthy personal development competitive orientation.

Exploration of the association between apology and forgiveness amongst victims of human rights violations.

PubMed

Allan, Alfred; Allan, Maria M; Kaminer, Debra; Stein, Dan J

2006-01-01

Forgiving may lead to an improvement of mental health, and from a therapeutic jurisprudence perspective it is important to establish what aspects of judicial procedures can be changed to promote forgiving. The literature suggests that receiving an apology may encourage forgiving. However, there is a dearth of empirical research regarding the association between forgiving and apology in judicial settings. This paper reports the findings of a study that examined the association between forgiving and four restorative situations (i.e. excuse, admission of guilt, apology, and true sorriness) in a group of 134 victims of gross human rights violations who were actual or potential participants in the proceedings of the South African Truth and Reconciliation Commission. The best predictors of forgiveness in this sample were gender and whether victims perceived wrongdoers to be truly sorry. Copyright (c) 2006 John Wiley & Sons, Ltd.

Educational Debt Burden: Law School Assistance Programs--A Review of Existing Programs and a Proposed New Approach.

ERIC Educational Resources Information Center

Vernon, David H.

1989-01-01

The paper reviews and critiques the 13 existing (1987) law school assistance programs and proposes a national repayment-assistance debt-forgiveness program which would involve an income-contingent repayment "tax" coupled with an assurance to creditors of repayment by means of a "guarantee" or "insurance" fund. (DB)

Forgive and Forget? Forgiveness, Personality, and Wellness among Counselors-in-Training

ERIC Educational Resources Information Center

Moorhead, Holly J. Hartwig; Gill, Carman; Minton, Casey A. Barrio; Myers, Jane E.

2012-01-01

Forgiveness as a method of addressing "wounds" has been linked to enduring aspects of personality and improved physical and mental health outcomes. The aim of this study was to understand the effects of forgiveness on counseling students' overall wellness. Counseling students (N= 115) from 5 universities completed self-report measures of…

Forgiveness and Suicidal Behavior: Cynicism and Psychache as Serial Mediators.

PubMed

Dangel, Trever J; Webb, Jon R; Hirsch, Jameson K

2018-02-17

Research is burgeoning regarding the beneficial association of forgiveness with numerous health-related outcomes; however, its particular relationship to suicidal behavior has received relatively little attention. Both cynicism and psychache, or agonizing psychological pain, have displayed deleterious associations with suicidal behavior, but have rarely been incorporated into more comprehensive models of suicidal behavior. Consistent with the recent development of a theoretical model regarding the forgiveness-suicidal behavior association, the present study utilized an undergraduate sample of college students (N = 312) to test a mediation-based model of the cross-sectional association of forgiveness with suicidal behavior, as serially mediated by cynicism and psychache. Dispositional forgiveness of self and forgiveness of uncontrollable situations were each indirectly associated with less suicidal behavior via less psychache. Also, dispositional forgiveness of others was indirectly associated with less suicidal behavior via less cynicism and less psychache, in a serial fashion. The present results are consistent with the extent literature on the forgiveness-suicidal behavior association, cynicism, and psychache, and pending future studies, may be utilized to inform further treatment efforts for individuals at a high risk of attempting suicide.

Forgiveness and the appraisal-coping process in response to relationship conflicts: implications for depressive symptoms.

PubMed

Ysseldyk, Renate; Matheson, Kimberly; Anisman, Hymie

2009-03-01

The present investigation assessed the mediating role of appraisal-coping processes in the relation between forgiveness and depressive symptoms associated with intimate relationship conflicts. Study 1 assessed the role of forgiveness in the context of a severe relationship stressor, namely women experiencing dating abuse, along with the appraisal-coping responses and depressive symptoms associated with such a stressor. Study 2 evaluated the function served by forgiveness among men and women in response to non-abusive relationship stressors, including the dissolution of the relationship, and also assessed the relations among forgiveness, appraisal-coping processes, and depressive symptoms. Women who encountered dating abuse were less likely to forgive their partners, and this was linked to higher levels of depressive symptoms. The relation between forgiveness and lower depressive symptoms was partially mediated by lower threat appraisals, secondary appraisals of the effectiveness of emotion-focused coping, and the reduced endorsements of this coping strategy (Study 1). Appraisal-coping processes similarly mediated the relation between forgiveness and depressive symptoms among men and women reporting conflict in an ongoing (non-abusive) relationship or a relationship break-up (Study 2). It is suggested that the relation between forgiveness and diminished distress operates primarily by guiding individuals' appraisals of the conflict and by diminishing the reliance on emotion-focused coping.

Forgiveness Working: Forgiveness, Health, and Productivity in the Workplace.

PubMed

Toussaint, Loren; Worthington, Everett L; Van Tongeren, Daryl R; Hook, Joshua; Berry, Jack W; Shivy, Victoria A; Miller, Andrea J; Davis, Don E

2018-01-01

Associations between forgiveness and health promotion in the workplace were examined as mediating effects of workplace interpersonal stress. Cross-sectional. Multiple Washington, DC, office-based and Midwestern manufacturing workplaces. Study 1: 108 employees (40 males and 68 females); mean age was 32.4 years. Study 2: 154 employees (14 males and 140 females); mean age was 43.9 years. Questionnaires measured forgiveness, unproductivity, absenteeism, stress, and health problems. Bivariate and multiple correlation/regression and structural equation models were used. Indirect effects were estimated with bootstrapping methods. In study 1, forgiveness of a specific workplace offense was inversely associated with unproductivity ( r = -.35, P < .001) and mental ( r = -.32, P = .001) and physical ( r = -.19, P = .044) health problems. In study 2, trait forgiveness was inversely associated with unproductivity (β = -.20, P = .016) and mental (β = -.31, P < .001) and physical health problems (β = -.28, P = .001), and workplace interpersonal stress partially mediated these associations (indirect effects = -.03, -.04, -.05, respectively). The association of forgiveness and occupational outcomes is robust. Forgiveness may be associated with outcomes by (at least partially) reducing stress related to workplace offenses. Forgiveness may be an effective means of coping following being emotionally hurt on the job that may promote good health, well-being, and productivity.

Forgiveness, Stress, and Health: a 5-Week Dynamic Parallel Process Study.

PubMed

Toussaint, Loren L; Shields, Grant S; Slavich, George M

2016-10-01

Psychological stress is a well-known risk factor for poor health, and recent research has suggested that the emotion-focused coping process of forgiveness may help mitigate these effects. To date, however, no studies have examined how levels of forgiveness, stress, and health fluctuate and interrelate over time. We addressed this issue by examining how forgiveness, stress, and mental and physical health symptoms change and relate to one another over 5 weeks. We hypothesized that increases in state levels of forgiveness would be associated with decreases in perceptions of stress, which would in turn be related to decreases in mental and physical health symptoms. A reverse effects model was also tested. We recruited a large, community-based sample of 332 young, middle-aged, and older adults (16-79 years old; M age  = 27.9). Each week for 5 weeks, participants reported on their levels of state forgiveness, perceived stress, and mental and physical health symptoms. Levels of forgiveness, stress, and mental and physical health symptoms each showed significant change and individual variability in change over time. As hypothesized, increases in forgiveness were associated with decreases in stress, which were in turn related to decreases in mental (but not physical) health symptoms (i.e., forgiveness → stress → health). The reverse effects model (i.e., health → stress → forgiveness) provided a relatively poorer fit. This study is the first to provide prospective, longitudinal evidence showing that greater forgiveness is associated with less stress and, in turn, better mental health. Strategies for cultivating forgiveness may thus have beneficial effects on stress and health.

77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-07

... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...

76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-13

... of water conservation measures; establishment or improvement of permanent pastures; implementation of... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program...

Self-Forgiveness and Mortality in Late Life

ERIC Educational Resources Information Center

Krause, Neal; Hayward, R. David

2013-01-01

The purpose of this study is to see if older people who are able to forgive themselves have a lower mortality risk than older adults who are not able to forgive themselves. In addition, it is hypothesized that the relationship between self-forgiveness and mortality will be contingent upon the level of an older individual's education. More…

A Model of Forgiveness: Theory Formulations and Research Implications.

ERIC Educational Resources Information Center

Johnson, Karen Alexandria

A literature review revealed little empirical research on forgiveness, suggesting the need for a model of forgiveness. The work of both E. M. Pattison and L. B. Smedes was used as a foundation upon which a model was developed involving a four-stage decision making process. The four stages of forgiveness are awareness, change, interaction, and…

Piloting Forgiveness Education: A Comparison of the Impact of Two Brief Forgiveness Education Programmes among Chinese College Students

ERIC Educational Resources Information Center

Ji, Mingxia; Tao, Linjin; Zhu, Tingting

2016-01-01

With the development of the theory of positive psychology, forgiveness has been understood to constitute a psychological strength that may facilitate personal and relational health. This study involved two brief (four sessions) forgiveness education programmes based on the Enright Psycho-social Model and Chinese cultural values, respectively, to…

Fit to Forgive: Effect of Mode of Exercise on Capacity to Override Grudges and Forgiveness

PubMed Central

Struthers, C. Ward; van Monsjou, Elizabeth; Ayoub, Mariam; Guilfoyle, Joshua R.

2017-01-01

Forgiveness is important for repairing relationships that have been damaged by transgressions. In this research we explored the notion that the mode of physical exercise that victims of transgressions engage in and their capacity to override grudges are important in the process of forgiveness. Two exploratory studies that varied in samples (community non-student adults, undergraduate students) and research methods (non-experimental, experimental) were used to test these predictions. Findings showed that, compared to anaerobic or no exercise, aerobic and flexibility exercise facilitated self-control over grudges and forgiveness (Studies 1 and 2), and self-control over grudges explained the relation between exercise and forgiveness (Study 2). Possible mechanisms for future research are discussed. PMID:28533758

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

To Blame or to Forgive? Reconciling Punishment and Forgiveness in Criminal Justice

PubMed Central

Lacey, Nicola; Pickard, Hanna

2015-01-01

What do you do when faced with wrongdoing—do you blame or do you forgive? Especially when confronted with offences that lie on the more severe end of the spectrum and cause terrible psychological or physical trauma or death, nothing can feel more natural than blame. Indeed, in the UK and the USA, increasingly vehement and righteous public expressions of blame and calls for vengeance have become commonplace; correspondingly, contemporary penal philosophy has witnessed a resurgence of the retributive tradition, in the modern form usually known as the ‘justice’ model. On the other hand, people can and routinely do forgive others, even in cases of severe crime. Evolutionary psychologists argue that both vengeance and forgiveness are universal human adaptations that have evolved as alternative responses to exploitation, and, crucially, strategies for reducing risk of re-offending. We are naturally endowed with both capacities: to blame and retaliate, or to forgive and seek to repair relations. Which should we choose? Drawing on evolutionary psychology, we offer an account of forgiveness and argue that the choice to blame, and not to forgive, is inconsistent with the political values of a broadly liberal society and can be instrumentally counter-productive to reducing the risk of future re-offending. We then sketch the shape of penal philosophy and criminal justice policy and practice with forgiveness in place as a guiding ideal. PMID:26937059

To Blame or to Forgive? Reconciling Punishment and Forgiveness in Criminal Justice.

PubMed

Lacey, Nicola; Pickard, Hanna

2015-12-01

What do you do when faced with wrongdoing-do you blame or do you forgive? Especially when confronted with offences that lie on the more severe end of the spectrum and cause terrible psychological or physical trauma or death, nothing can feel more natural than blame. Indeed, in the UK and the USA, increasingly vehement and righteous public expressions of blame and calls for vengeance have become commonplace; correspondingly, contemporary penal philosophy has witnessed a resurgence of the retributive tradition, in the modern form usually known as the 'justice' model. On the other hand, people can and routinely do forgive others, even in cases of severe crime. Evolutionary psychologists argue that both vengeance and forgiveness are universal human adaptations that have evolved as alternative responses to exploitation, and, crucially, strategies for reducing risk of re-offending. We are naturally endowed with both capacities: to blame and retaliate, or to forgive and seek to repair relations. Which should we choose? Drawing on evolutionary psychology, we offer an account of forgiveness and argue that the choice to blame, and not to forgive, is inconsistent with the political values of a broadly liberal society and can be instrumentally counter-productive to reducing the risk of future re-offending. We then sketch the shape of penal philosophy and criminal justice policy and practice with forgiveness in place as a guiding ideal.

Provider Difficulties With Spiritual and Forgiveness Communication at the End of Life.

PubMed

Wittenberg, Elaine; Ferrell, Betty; Goldsmith, Joy; Buller, Haley

2016-11-01

Due to an absence of communication training, provider responses to patient/family spiritual distress are highly variable. Assessing spiritual and forgiveness concerns are important to ensuring quality holistic care. Cross-sectional survey data were collected from providers attending 1 of 2 continuing education courses. The survey measured the frequency and initiation of communication about spirituality and forgiveness with patients/families, the perceived difficulty in communication across topics, and preparation and resources for these discussions. Most participants (n = 124) were nurses followed by social workers with over half of providers having 10 years or more of clinical experience. Participants reported the highest level of difficulty in spiritual communication when talking with family after the death of a patient, followed by conducting a spiritual history with a patient. Facilitating forgiveness communication between parent and adult child, followed by facilitating forgiveness between partners was most difficult for all participants. Social workers reported much lower difficulty than nurses on all items of spiritual and forgiveness communication. The majority of participants indicated they were involved in spiritual and forgiveness communication. The most difficult communication included talking with family after death and facilitating forgiveness between patients and families. These findings support the importance of spiritual communication in clinical practice, and the need for clinician training in communicating about spirituality and forgiveness with patients and families. © The Author(s) 2015.

The potential of forgiveness as a response for coping with negative peer experiences.

PubMed

Flanagan, Kelly S; Vanden Hoek, Kristin K; Ranter, Jennifer M; Reich, Holly A

2012-10-01

Coping strategies employed by adolescents in response to negative peer experiences are related to their adjustment. This study examines the potential of forgiveness as a coping response for negative peer experiences in early adolescence. Participants were 616 6th through 8th grade students at a middle school (46% girls) who completed self-report measures of bullying and victimization experiences, general coping strategies in response to bullying, social anxiety, self-esteem, and a measure of forgiveness to a self-identified experience of being bullied or hurt by a peer. Forgiveness was positively associated with conflict resolution, advice and support seeking strategies, and negatively associated with revenge seeking. Forgiveness was also positively associated with concurrent self-esteem and negatively associated with social anxiety. Further, forgiveness was related to social anxiety and self-esteem after accounting for bullying behavior and victimization experiences, general coping responses, and gender. Developmental considerations of forgiveness and implications for this response are considered. Copyright © 2012 The Foundation for Professionals in Services for Adolescents. All rights reserved.

Let me hear of your mercy in the mourning: forgiveness, grief, and continuing bonds.

PubMed

Gassin, Elizabeth A; Lengel, Gregory J

2014-01-01

Clarity about the utility of continuing bonds (CB) continues to be evasive in the research. In 2 different correlational studies, the authors explored the relationship between CB and 2 other variables: 1 representing mental health (forgiveness of the deceased) and the other representing psychological distress (prolonged grief). Although researchers have addressed the latter relationship in the literature, assessing the relationship between CB and forgiveness has not been undertaken. Results suggest that forgiveness in general, and affective aspects of forgiveness in particular, predict psychological forms of CB. Results related to grief depended on how CB was assessed. These findings provide evidence of the relative health of certain types of relationship with deceased persons and also suggest that forgiveness interventions may be a way of promoting such healthy bonds.

Towards a feminist empowerment model of forgiveness psychotherapy.

PubMed

McKay, Kevin M; Hill, Melanie S; Freedman, Suzanne R; Enright, Robert D

2007-03-01

In recent years Enright and Fitzgibbon's (2000) process model of forgiveness therapy has received substantial theoretical and empirical attention. However, both the process model of forgiveness therapy and the social-cognitive developmental model on which it is based have received criticism from feminist theorists. The current paper considers feminist criticisms of forgiveness therapy and uses a feminist lens to identify potential areas for growth. Specifically, Worell and Remer's (2003) model of synthesizing feminist ideals into existing theory was consulted, areas of bias within the forgiveness model of psychotherapy were identified, and strategies for restructuring areas of potential bias were introduced. Further, the authors consider unique aspects of forgiveness therapy that can potentially strengthen existing models of feminist therapy. (PsycINFO Database Record (c) 2010 APA, all rights reserved).

The Stafford Student Loan Program. Testimony before the Subcommittee on Permanent Investigations, Committee on Governmental Affairs, United States Senate.

ERIC Educational Resources Information Center

Frazier, Franklin

The Stafford Loan Program (formerly called the Guaranteed Student Loan Program) makes three kinds of student loans for postsecondary education: Stafford Loans, Supplemental Loans for Students (SLS), and Parents Loans for Undergraduate Students (PLUS). Stafford loans are low-interest loans based on financial need, while SLS and PLUS loans are not…

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

ERIC Educational Resources Information Center

Bovbjerg, Barbara D.

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

Mental health, not social support, mediates the forgiveness-alcohol outcome relationship.

PubMed

Webb, Jon R; Robinson, Elizabeth A R; Brower, Kirk J

2011-09-01

Religiousness and spirituality are important to most Americans, and evidence suggests that they may contribute to both addiction and recovery. Forgiveness is a specific dimension of religiousness and spirituality that may enhance recovery, but the mechanism(s) through which it operates is unknown. We hypothesized that higher levels of forgiveness would be associated with higher levels of mental health and social support, which, in turn, would be associated with improved alcohol-related outcomes. Baseline and 6-month longitudinal data from a sample of 149 individuals with alcohol use disorders seeking outpatient substance abuse treatment were analyzed through multiple-mediation statistical techniques. While previous research has shown direct associations among forgiveness, alcohol-related outcomes, mental health, and social support, this study found that the direct associations between forgiveness and alcohol-related outcomes were no longer significant when mental health and social support were analyzed as mediator variables. At baseline, for each alcohol-related outcome measured (alcohol-related problems, percent heavy drinking days, percent days abstinent, and drinks per drinking day), mental health individually played a role in the relationship with both forgiveness of self and forgiveness of others, fully mediating or operating through an indirect-only pathway. For alcohol-related problems only, mental health fully mediated the relationship with forgiveness of self at follow-up and operated through an indirect-only pathway with forgiveness of others longitudinally. Social support and feeling forgiven by God were nonsignificant variables at baseline, follow-up, and longitudinally. (c) 2011 APA, all rights reserved.

Teachers' Views about Forgiveness in Israel and Cyprus: Mapping the Prospects of Forgiveness as an Educational Goal

ERIC Educational Resources Information Center

Zembylas, Michalinos; Bekerman, Zvi

2012-01-01

The purpose of this paper is to describe the results of a study on the way that two sample group of teachers, one in Israel and one in Cyprus, perceive forgiveness. The study is grounded in moral-philosophical ideas about forgiveness and the data is collected via interviews and focus groups. The findings show that participants in both samples…

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

Forgiveness, coping, and terrorism: do tendency to forgive and coping strategies associate with the level of posttraumatic symptoms of injured victims of terror attacks?

PubMed

Weinberg, Michael; Gil, Sharon; Gilbar, Ora

2014-07-01

The study examined the tendency to forgive (self, others, and situations) and coping strategies (problem-focused, emotion-focused, and avoidance) among terror attack victims as associated with posttraumatic stress disorder (PTSD) symptom severity. The sample included 108 terror victims who had been injured in terror attacks (mean age 46.23, standard deviation = 11.61; 58.3% male). Participants agreed to undergo assessments of their PTSD symptoms, coping strategies, and tendency to forgive. A nested structural equation model design showed that tendency to forgive is positively associated with problem-focused coping and negatively associated with avoidance coping. Additionally, tendency to forgive and problem-focused coping are associated with decreased PTSD symptom severity, whereas emotion-focused coping is associated with elevated PTSD symptom severity. Tendency to forgive and coping strategies are significantly associated with each other and with severity of PTSD symptoms among individuals injured in terror attacks. Theoretical and clinical implications of the findings are discussed. © 2013 Wiley Periodicals, Inc.

Prayer and forgiveness: Beyond relationship quality and extension to marriage.

PubMed

Fincham, Frank D; May, Ross W

2017-09-01

The majority of the world population profess religious/spiritual beliefs and prayer is a form of spiritual activity common across numerous religious/spiritual belief systems. Three studies therefore examined the role of prayer in romantic relationships. Study 1 (n = 91) showed that prayer for a dating partner predicted lower aggressive tendencies and greater forgiveness of partner transgressions, independently of relationship closeness. Study 2 (n = 89 married couples) is among the first to examine the prayer-forgiveness association using dyadic data. Controlling for relationship satisfaction in the actor-partner interdependence model, prayer for the spouse predicted own forgiveness but not partner's reports of their own forgiveness. To obviate the problem of obtaining all the data from the same reporter, Study 3 (n = 91 married couples) used partner reports of the spouse's forgiveness in an actor-partner interdependence model analysis. Controlling for religiosity, the results showed that prayer for the partner predicted partner reports of the prayer's forgiveness. The implications of these results are then discussed. (PsycINFO Database Record (c) 2017 APA, all rights reserved).

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

ERIC Educational Resources Information Center

US General Accounting Office, 2004

2004-01-01

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

77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-01

...The Secretary amends the Federal Perkins Loan (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct Loan (Direct Loan) program regulations. These final regulations implement a new Income-Contingent Repayment (ICR) plan in the Direct Loan program based on the President's ``Pay As You Earn'' repayment initiative, incorporate recent statutory changes to the Income-Based Repayment (IBR) plan in the Direct Loan and FFEL programs, and streamline and add clarity to the total and permanent disability (TPD) discharge process for borrowers in loan programs under title IV of the Higher Education Act of 1965, as amended (HEA). These final regulations implementing a new ICR plan and the statutory changes to the IBR plan will assist borrowers in repaying their loans while the changes to the TPD discharge process will reduce burden for borrowers who are disabled and seeking a discharge of their title IV debt.

"Letting myself go forward past wrongs": How regulatory modes affect self-forgiveness

PubMed Central

Giannini, Anna Maria; Higgins, E. Tory; Kruglanski, Arie W.

2018-01-01

The present research addresses the question of whether regulatory-mode orientations affect self-forgiveness. We expected that people with a strong locomotion orientation would be more inclined to self-forgiveness because of their tendencies toward movement and change, which focus them on the future, whereas people with a strong assessment orientation would refrain from self-forgiveness due to their evaluative tendencies which focus them on the past. These hypotheses were supported by the results in four studies that tested the relation between regulatory modes and self-forgiveness by measuring (Studies 1, 3 and 4) and manipulating (Study 2) regulatory-mode-orientations. Finally, in Study 4 we examined more closely our hypothesis that the relation between self-forgiveness and regulatory modes is mediated by past and future temporal foci. The implications of the results for regulatory mode theory are also discussed. PMID:29529065

"Letting myself go forward past wrongs": How regulatory modes affect self-forgiveness.

PubMed

Pierro, Antonio; Pica, Gennaro; Giannini, Anna Maria; Higgins, E Tory; Kruglanski, Arie W

2018-01-01

The present research addresses the question of whether regulatory-mode orientations affect self-forgiveness. We expected that people with a strong locomotion orientation would be more inclined to self-forgiveness because of their tendencies toward movement and change, which focus them on the future, whereas people with a strong assessment orientation would refrain from self-forgiveness due to their evaluative tendencies which focus them on the past. These hypotheses were supported by the results in four studies that tested the relation between regulatory modes and self-forgiveness by measuring (Studies 1, 3 and 4) and manipulating (Study 2) regulatory-mode-orientations. Finally, in Study 4 we examined more closely our hypothesis that the relation between self-forgiveness and regulatory modes is mediated by past and future temporal foci. The implications of the results for regulatory mode theory are also discussed.

Student Consolidation Loans: Potential Effects of Making Fiscal Year 2006 Consolidation Loans Exclusively through the Direct Loan Program. Report to the Ranking Minority Member, Committee on Education and the Workforce, House of Representatives. GAO-06-195

ERIC Educational Resources Information Center

Ashby, Cornelia M.

2005-01-01

Under the Federal Family Education Loan Program (FFELP) and the Federal Direct Loan Program (FDLP), the government guarantees and makes consolidation loans to help borrowers manage their student loan debt. By combining loans into one and extending repayment, monthly repayments are reduced. Unlike other student loans, consolidation loans carry a…

7 CFR 772.7 - Leasing minor program loan security.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Leasing minor program loan security. 772.7 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.7 Leasing minor program loan... property for Minor Program loans to a third party when: (1) Leasing is the only feasible way to continue to...

7 CFR 772.7 - Leasing minor program loan security.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Leasing minor program loan security. 772.7 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.7 Leasing minor program loan... property for Minor Program loans to a third party when: (1) Leasing is the only feasible way to continue to...

Religious involvement and the forgiving personality.

PubMed

Mullet, Etienne; Barros, José; Frongia, Loredana; Usaï, Veronica; Neto, Félix; Shafighi, Sheila Rivière

2003-02-01

The relationship between religious involvement and forgiveness was assessed in three samples of Western Europeans living in a social environment dominated by the Catholic tradition. The samples comprised nonbelievers/nonattendees, believers/nonattendees, believers/regular attendees, and religious people. Age and religious involvement were shown to affect the willingness to forgive in an interactive way: The effect of religious involvement was stronger for the elderly group. We also found that what made the difference in the willingness to forgive was mainly the social commitment to religion (attendance in church and the taking of vows), not mere personal beliefs. In addition, age and religious involvement were found to affect blockage towards forgiveness in an additive way.

7 CFR 774.23 - Loan servicing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 774.23 Section 774.23 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.23 Loan servicing. Loans will be serviced as a Non-program loan in accordance with 7 CFR part 766. If the loan is not repaid as agreed and...

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

Code of Federal Regulations, 2014 CFR

2014-07-01

..., religion, national origin, age, disability status, or income. (9) A school may not assess a fee for the... 34 Education 4 2014-07-01 2014-07-01 false Origination of a loan by a Direct Loan Program school... LOAN PROGRAM Requirements, Standards, and Payments for Direct Loan Program Schools § 685.301...

42 CFR 68.10 - What loans are ineligible for repayment?

Code of Federal Regulations, 2013 CFR

2013-10-01

..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) LOAN REPAYMENT PROGRAMS (LRPs) § 68.10 What loans... Health Service Corps Scholarship Program, (6) National Institutes of Health Undergraduate Scholarship... following programs, or similar programs, which provide loans, scholarships, loan repayments, or other awards...

42 CFR 68.10 - What loans are ineligible for repayment?

Code of Federal Regulations, 2014 CFR

2014-10-01

..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) LOAN REPAYMENT PROGRAMS (LRPs) § 68.10 What loans... Health Service Corps Scholarship Program, (6) National Institutes of Health Undergraduate Scholarship... following programs, or similar programs, which provide loans, scholarships, loan repayments, or other awards...

The doormat effect: when forgiving erodes self-respect and self-concept clarity.

PubMed

Luchies, Laura B; Finkel, Eli J; McNulty, James K; Kumashiro, Madoka

2010-05-01

We build on principles from interdependence theory and evolutionary psychology to propose that forgiving bolsters one's self-respect and self-concept clarity if the perpetrator has acted in a manner that signals that the victim will be safe and valued in a continued relationship with the perpetrator but that forgiving diminishes one's self-respect and self-concept clarity if the perpetrator has not. Study 1 employed a longitudinal design to demonstrate that the association of marital forgiveness with trajectories of self-respect over the first 5 years of marriage depends on the spouse's dispositional tendency to indicate that the partner will be safe and valued (i.e., agreeableness). Studies 2 and 3 employed experimental procedures to demonstrate that the effects of forgiveness on self-respect and self-concept clarity depend on the perpetrator's event-specific indication that the victim will be safe and valued (i.e., amends). Study 4 employed a longitudinal design to demonstrate that the association of forgiveness with subsequent self-respect and self-concept clarity similarly depends on the extent to which the perpetrator has made amends. These studies reveal that, under some circumstances, forgiveness negatively impacts the self. 2010 APA, all rights reserved

Forgiveness, acceptance and the matter of expectation.

PubMed

Siassi, Shahrzad

2007-12-01

In this paper, the author argues for a dynamic conceptualization of forgiveness during psychoanalysis. The trauma of failed expectations in intimate relationships is narcissistically dislodging. When legitimate expectations in relationships are not met, forgiveness becomes a challenge for ego to restore the lost narcissistic balance through the resumption of a significant internal bond. The author argues that the ending of any successful analysis is marked by three possibilities regarding the patient's relationship to significant others and his traumas: in cases where the relationship was marked by minimal expectations, one simply learns to accept the wrongdoer without ever feeling the need for forgiveness; in cases where a relationship was marked by high expectations, the patient can learn to accept the trauma without the will or need to forgive its perpetrator. However, even with the painful frustration of high expectations in an intimate relationship, the patient can come to forgive his wrongdoer if there remains enough of a positive internal bond to be salvaged. The developmental roots of such forgiveness, as well as the addictive characteristics of 'nursing a grudge' and the conversion of the qualitative mode of seeking fulfillment into a quantitative one, are further investigated.

75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-29

... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...

34 CFR 685.101 - Participation in the Direct Loan Program.

Code of Federal Regulations, 2010 CFR

2010-07-01

... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Purpose and Scope... school participating in the Direct Loan Program may borrow under the Federal Direct Stafford/Ford Loan and Federal Direct Unsubsidized Stafford/Ford Loan Programs. An eligible graduate or professional...

19 CFR 351.508 - Debt forgiveness.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Duties INTERNATIONAL TRADE ADMINISTRATION, DEPARTMENT OF COMMERCE ANTIDUMPING AND COUNTERVAILING DUTIES Identification and Measurement of Countervailable Subsidies § 351.508 Debt forgiveness. (a) Benefit. In the case of an assumption or forgiveness of a firm's debt obligation, a benefit exists equal to the amount of...

Buried hatchets, marked locations: Forgiveness, everyday racial discrimination, and African-American men’s depressive symptomatology

PubMed Central

Powell, Wizdom; Banks, Kira Hudson; Mattis, Jacqueline S.

2016-01-01

Everyday racial discrimination (ERD) is linked to pronounced depressive symptomatology among African-American men. Yet, many African-American men do not experience depressive symptoms following ERD exposure often because they employ positive coping strategies that offset its effects. Granting forgiveness is one coping strategy associated with less depression. However, extant findings about the mental health benefits of forgiveness are somewhat mixed and pay scarce attention to offenses which are fleeting, historically rooted, and committed outside of close personal relationships. Evidence further suggest age-related differences in forgiveness, ERD exposure, and depressive symptoms. We explore the extent to which three strategies of granting forgiveness of ERD—letting go of negative emotion (negative release), embracing positive emotion (positive embrace), or combining both (combined)— are associated with less depressive symptomatology in 674 African-American men (ages 18-79). Building on past findings, we also test whether these forgiveness strategies moderate the ERD-depressive symptoms relationship for men in different age groups (18-25, 26-39, 40). Higher combined and negative release forgiveness were directly related to lower depressive symptoms among 18-25 year-olds. We also detected a less pronounced positive relationship between ERD and depressive symptoms among men reporting high levels of combined (18-25 and 26-39 groups) and negative release (26-39 and 40+ groups) forgiveness. We observed a more pronounced positive ERD-depressive symptoms relationship among 18-25 and 26-39 year-olds reporting lower forgiveness. When faced with frequent ERD, younger African-American men may have the most difficult time burying hatchets without marking their location but experience more positive mental health benefits when they do. PMID:27786503

Understanding the relationship between domestic abuse and suicide behavior in adults receiving primary care: does forgiveness matter?

PubMed

Chang, Edward C; Kahle, Emma R; Yu, Elizabeth A; Hirsch, Jameson K

2014-10-01

This study examined the interrelation of domestic abuse, forgiveness of self, forgiveness of others, and suicide behavior in a community sample of 101 patients receiving primary care from a clinic in the southeastern United States. As expected, it was found that more frequent experience of domestic abuse was associated with more frequent suicide behavior. Results from conducting mediation analyses and using bootstrapping techniques provided support for a model in which the relationship between domestic abuse and suicide behavior was accounted for by forgiveness of self, but not by forgiveness of others. The article concludes with a discussion of some of the implications of the present findings for practice and the study's limitations.

Collectivism, Forgiveness, and Social Harmony

ERIC Educational Resources Information Center

Hook, Joshua N.; Worthington, Everett L., Jr.; Utsey, Shawn O.

2009-01-01

Existing models of forgiveness and the strategies to promote forgiveness that draw from them are predominantly individualistic. As the United States becomes more diverse and counseling psychology becomes a more global field, counseling psychologists are increasingly likely to encounter clients who have a collectivistic worldview. The authors…

Understanding betrayals in marriage: a synthesized model of forgiveness.

PubMed

Gordon, K C; Baucom, D H

1998-01-01

Forgiveness is an issue that is problematic for many couples, particularly those in marital therapy. However, little attention has been paid to this construct in the psychological literature. The purpose of this article is to describe a synthesized model of forgiveness using constructs from multiple theories, including forgiveness, trauma recovery, cognitive-behavioral, family systems, and insight-oriented theories. Forgiveness is conceptualized as a process consisting of three stages, each of which has cognitive, behavioral, and affective components. Furthermore, these stages seem to parallel a person's natural response to traumatic stress. First, there is a response to the initial impact; second, there is an attempt to give the event some kind of meaning, or put it into context; and finally, the person begins to move forward and readjust. Forgiveness is conceptualized as attaining: (a) a realistic, nondistorted, balanced view of the relationship; (b) a release from being controlled by negative affect toward the participating partner; and (c) a lessened desire to punish the participating partner. Implications for marital therapy also are discussed.

Belief in the malleability of groups strengthens the tenuous link between a collective apology and intergroup forgiveness.

PubMed

Wohl, Michael J A; Cohen-Chen, Smadar; Halperin, Eran; Caouette, Julie; Hayes, Nicole; Hornsey, Matthew J

2015-05-01

Although it is widely assumed that collective apologies for intergroup harms facilitate forgiveness, evidence for a strong link between the two remains elusive. In four studies we tested the proposition that the apology-forgiveness link exists, but only among people who hold an implicit belief that groups can change. In Studies 1 and 2, perceived group malleability (measured and manipulated, respectively) moderated the responses to an apology by Palestinian leadership toward Israelis: Positive responses such as forgiveness increased with greater belief in group malleability. In Study 3, university students who believed in group malleability were more forgiving of a rival university's derogatory comments in the presence (as opposed to the absence) of an apology. In Study 4, perceived perpetrator group remorse mediated the moderating effect of group malleability on the apology-forgiveness link (assessed in the context of a corporate transgression). Implications for collective apologies and movement toward reconciliation are discussed. © 2015 by the Society for Personality and Social Psychology, Inc.

Forgiveness from Emotion Fit: Emotional Frame, Consumer Emotion, and Feeling-Right in Consumer Decision to Forgive

PubMed Central

Ran, Yaxuan; Wei, Haiying; Li, Qing

2016-01-01

Three studies examine an emotion fit effect in the crisis communication, namely, the interaction between emotional frames of guilt and shame and consumer emotions of anger and fear on consumer forgiveness. Guilt-framing communication results in higher forgiveness than shame-framing for angry consumers, whereas shame-framing communication results in higher forgiveness than guilt-framing for fearful consumers. These effects are driven by consumers’ accessible regulatory foci associated with anger/fear and guilt/shame. Specifically, feelings of anger activate a promotion focus that is represented by guilt frames, while feelings of fear activate a prevention focus that is enacted by shame frames. Compared with emotion non-fit (i.e., anger to shame and fear to guilt), emotion fit (i.e., anger to guilt and fear to shame) facilitates greater feeling-right and consumer forgiveness. The findings offer novel insights for extant literature on emotion, crisis communication, and regulatory focus theory, as well as practical suggestions regarding the emotional frames. PMID:27895612

Forgiveness from Emotion Fit: Emotional Frame, Consumer Emotion, and Feeling-Right in Consumer Decision to Forgive.

PubMed

Ran, Yaxuan; Wei, Haiying; Li, Qing

2016-01-01

Three studies examine an emotion fit effect in the crisis communication, namely, the interaction between emotional frames of guilt and shame and consumer emotions of anger and fear on consumer forgiveness. Guilt-framing communication results in higher forgiveness than shame-framing for angry consumers, whereas shame-framing communication results in higher forgiveness than guilt-framing for fearful consumers. These effects are driven by consumers' accessible regulatory foci associated with anger/fear and guilt/shame. Specifically, feelings of anger activate a promotion focus that is represented by guilt frames, while feelings of fear activate a prevention focus that is enacted by shame frames. Compared with emotion non-fit (i.e., anger to shame and fear to guilt), emotion fit (i.e., anger to guilt and fear to shame) facilitates greater feeling-right and consumer forgiveness. The findings offer novel insights for extant literature on emotion, crisis communication, and regulatory focus theory, as well as practical suggestions regarding the emotional frames.

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

Mental Health, not Social Support, Mediates the Forgiveness–Alcohol Outcome Relationship

PubMed Central

Webb, Jon R.; Robinson, Elizabeth A. R.; Brower, Jon R.

2011-01-01

Religiousness and spirituality are important to most Americans and evidence suggests that they may contribute to both addiction and recovery. Forgiveness is a specific dimension of religiousness and spirituality that may enhance recovery, but the mechanism(s) through which it operates is unknown. We hypothesized that higher levels of forgiveness would be associated with higher levels of mental health and social support, which in turn would be associated with improved alcohol-related outcomes. Baseline and 6-month longitudinal data from a sample of 149 individuals with alcohol use disorders seeking outpatient substance abuse treatment were analyzed through multiple-mediation statistical techniques. While previous research has shown direct associations among forgiveness, alcohol-related outcomes, mental health, and social support, this study found that the direct associations between forgiveness and alcohol-related outcomes were no longer significant when mental health and social support were analyzed as mediator variables. At baseline, for each alcohol-related outcome measured (alcohol-related problems, percent heavy drinking days, percent days abstinent, and drinks per drinking day), mental health individually played a role in the relationship with both forgiveness of self and forgiveness of others; fully mediating or operating through an indirect only pathway. For alcohol-related problems only, mental health fully mediated the relationship with forgiveness of self at follow-up and operated through an indirect only pathway with forgiveness of others longitudinally. Social support and feeling forgiven by God were non-significant variables at baseline, follow-up, and longitudinally. PMID:21443306

Struggling With Adversities of Life: The Role of Forgiveness in Patients Suffering from Fibromyalgia.

PubMed

Offenbaecher, Martin; Dezutter, Jessie; Kohls, Niko; Sigl, Claudia; Vallejo, Miguel A; Rivera, Javier; Bauerdorf, Felix; Schelling, Jörg; Vincent, Ann; Hirsch, Jameson K; Sirois, Fuschia M; Webb, Jon R; Toussaint, Loren L

2017-06-01

We compared the magnitude and direction of associations between forgiveness and pain, mental and physical health, quality of life, and anger in a sample of fibromyalgia syndrome (FM) participants and healthy controls. In addition, we compared FM and controls on mean levels of these variables. A total of 173 individuals with FM and 81 controls completed this study. FM participants and controls were residents of Germany recruited with the support of the German Fibromyalgia Patient Association and several self-help groups. FM participants and controls were about 53 years of age, mostly married (70%), Christians (81%), with levels of education ranging from 9 to 13+ years. All participants completed assessments of forgiveness, pain, health, quality of life, and anger. Analyses revealed that FM participants reported higher pain and anger and poorer health and quality of life. FM participants also reported lower levels of both forgiveness of self and others. Size and direction of associations of forgiveness with pain, health, quality of life, and anger in were not significantly different between healthy individuals and individuals with FM. Forgiveness of self and others is beneficially associated with pain, health, quality of life, and anger in FM participants at levels that are of similar size and direction as in healthy controls. However, FM participants manifest lower levels of forgiveness of self and others. Therapeutic promotion of forgiveness as a psychosocial coping strategy may help patients with FM to better manage psychological and physical symptoms, thereby enhancing well-being.

A Q methodological study on Korean nurses' attitudes toward forgiveness.

PubMed

Jo, Kae-Hwa; An, Gyeong-Ju

2013-01-01

The purpose of this study was to identify the perceived attitudes of Korean nurses toward forgiveness on the basis of their social and cultural background. Q methodology was used to explore the typology of perceived attitudes. Four types of attitudes toward forgiveness were identified: obstinate, concessive, progressive, and receptive.

A Comparison of Forgiveness and Pro-Social Development.

ERIC Educational Resources Information Center

Scobie, G. E. W.; Scobie, E. D.

2000-01-01

Considers how forgiveness is learned and what developmental features it has in common with other prosocial activities. Maintains that viewing forgiveness within a moral developmental framework does not consider its complex nature nor address related issues such as damage severity, restoring relationships, empathy, or altruism. Explores these areas…

The Road to Forgiveness: A Meta-Analytic Synthesis of Its Situational and Dispositional Correlates

ERIC Educational Resources Information Center

Fehr, Ryan; Gelfand, Michele J.; Nag, Monisha

2010-01-01

Forgiveness has received widespread attention among psychologists from social, personality, clinical, developmental, and organizational perspectives alike. Despite great progress, the forgiveness literature has witnessed few attempts at empirical integration. Toward this end, we meta-analyze results from 175 studies and 26,006 participants to…

Forgiveness and Subjective Happiness of University Students

ERIC Educational Resources Information Center

Batik, Meryem Vural; Bingöl, Tugba Yilmaz; Kodaz, Aynur Firinci; Hosoglu, Rumeysa

2017-01-01

This research was conducted to investigate the forgiveness and subjective happiness level of university students in terms of gender, faculty, grade, residence, and parental attitudes, and to determine predictive role of forgiveness on subjective happiness. The study group consists of 828 university students (56.3% female, 43.7% male). The data was…

Process-Based Forgiveness Interventions: A Meta-Analytic Review

ERIC Educational Resources Information Center

Lundahl, Brad W.; Taylor, Mary Jane; Stevenson, Ryan; Roberts, K. Daniel

2008-01-01

Objective: To investigate the impact of forgiveness interventions designed to help individuals who have suffered because of betrayals, offenses, or victimization. Forgiveness is believed to be a mechanism through which individuals can experience increases in hope and positive emotions and relief from negative emotions, cognitions, and behaviors.…

Situational, Interpersonal, and Intrapersonal Characteristic Associations with Adolescent Conflict Forgiveness

ERIC Educational Resources Information Center

Johnson, H. Durell; Wernli, Molly A.; LaVoie, Joseph C.

2013-01-01

Given the voluntary nature of adolescent friendships, forgiveness of interpersonal transgressions has been identified as a critical aspect of maintaining these relationships. However, transgression forgiveness is related to a range of situational (e.g., transgression severity), interpersonal (e.g., friendship commitment), and intrapersonal (e.g.,…

Effects of a Forgiveness Intervention for Older Adults

ERIC Educational Resources Information Center

Allemand, Mathias; Steiner, Marianne; Hill, Patrick L.

2013-01-01

The authors' aim in the present study was to examine the effects of a brief forgiveness intervention for older adults. The psychoeducational group intervention consists of (a) established core components of previous forgiveness interventions and (b) additional components considering specific needs of older adults. Seventy-eight older adults (mean…

Forgiveness and justice: a research agenda for social and personality psychology.

PubMed

Exline, Julie Juola; Worthington, Everett L; Hill, Peter; McCullough, Michael E

2003-01-01

Forgiveness and related constructs (e.g., repentance, mercy, reconciliation) are ripe for study by social and personality psychologists, including those interested in justice. Current trends in social science, law, management, philosophy, and theology suggest a need to expand existing justice frameworks to incorporate alternatives or complements to retribution, including forgiveness and related processes. In this article, we raise five challenging empirical questions about forgiveness. For each question, we briefly review representative research, raise hypotheses, and suggest specific ways in which social and personality psychologists could make distinctive contributions.

Self-forgiveness is associated with reduced psychological distress in cancer patients and unmatched caregivers: Hope and self-blame as mediating mechanisms.

PubMed

Toussaint, Loren; Barry, Michael; Angus, Drew; Bornfriend, Lynn; Markman, Maurie

2017-01-01

This study examined the association between self-forgiveness and psychological distress and tested whether self-blame and hope mediated these associations equally for both patients and caregivers. Participants were 38 patients and 44 unmatched caregivers receiving care at a national cancer hospital. Participants completed measures of self-forgiveness, self-blame, hope, and psychological distress. Self-forgiveness was inversely associated with self-blame and psychological distress and positively associated with hope. Self-forgiveness was indirectly associated with psychological distress through hope but not self-blame and more strongly for caregivers than patients. Group differences between patients and caregivers in associations are intriguing and may have implications for improved psychosocial care of cancer patients and support of caregivers.

The influence of forgiveness and apology on cardiovascular reactivity and recovery in response to mental stress.

PubMed

Whited, Matthew C; Wheat, Amanda L; Larkin, Kevin T

2010-08-01

To investigate the relation between forgiveness and apology as they relate to cardiovascular reactivity and recovery, 29 men and 50 women were exposed to an interpersonal transgression (i.e., verbal harassment) while performing a serial subtraction task. Participants were categorized into high and low forgiveness groups based on scores on the forgiving personality scale. Following the task, approximately half of the participants received an apology from the experimenter for his/her comments during the task. Although no group differences in cardiovascular reactivity were observed during the serial subtraction task, persons high in forgiveness displayed more rapid diastolic and mean arterial blood pressure recovery than persons low in forgiveness. In response to the apology, participants displayed greater high frequency heart rate variability recovery compared to those who did not receive an apology. A significant apology x sex interaction was observed for diastolic blood pressure and mean arterial blood pressure. Women who received an apology exhibited faster recovery from the transgression than women who did not receive an apology. In contrast, men who received an apology exhibited delayed recovery from the transgression compared to men who did not receive an apology. These results indicate that there are potentially healthful benefits to forgiveness and apology, but the relation is influenced by situation and by sex.

The Neural Systems of Forgiveness: An Evolutionary Psychological Perspective

PubMed Central

Billingsley, Joseph; Losin, Elizabeth A. R.

2017-01-01

Evolution-minded researchers posit that the suite of human cognitive adaptations may include forgiveness systems. According to these researchers, forgiveness systems regulate interpersonal motivation toward a transgressor in the wake of harm by weighing multiple factors that influence both the potential gains of future interaction with the transgressor and the likelihood of future harm. Although behavioral research generally supports this evolutionary model of forgiveness, the model’s claims have not been examined with available neuroscience specifically in mind, nor has recent neuroscientific research on forgiveness generally considered the evolutionary literature. The current review aims to help bridge this gap by using evolutionary psychology and cognitive neuroscience to mutually inform and interrogate one another. We briefly summarize the evolutionary research on forgiveness, then review recent neuroscientific findings on forgiveness in light of the evolutionary model. We emphasize neuroscientific research that links desire for vengeance to reward-based areas of the brain, that singles out prefrontal areas likely associated with inhibition of vengeful feelings, and that correlates the activity of a theory-of-mind network with assessments of the intentions and blameworthiness of those who commit harm. In addition, we identify gaps in the existing neuroscientific literature, and propose future research directions that might address them, at least in part. PMID:28539904

77 FR 76414 - William D. Ford Federal Direct Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-28

... DEPARTMENT OF EDUCATION 34 CFR Part 685 RIN 1840-AC94 [Docket ID ED-2008-OPE-0009] William D. Ford... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford.... Accordingly, 34 CFR part 685 is corrected as follows: PART 685--WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM 0...

7 CFR 2201.19 - Loan terms.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...

Direct Loans: A Simple, Convenient, Flexible Way To Finance Your Education.

ERIC Educational Resources Information Center

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

This pamphlet provides basic facts about the U.S. Department of Education's Direct Loan Program for students. These loans include Federal Direct Stafford/Ford Loans, Federal Direct Unsubsidized Stafford/Ford Loans, Direct PLUS Loans, and Direct Consolidation Loans. The pamphlet's sections are: (1) "The Direct Loan Program: What Is It?";…

76 FR 37779 - Rural Broadband Access Loans and Loan Guarantees Program

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-28

... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Broadband Access Loans and Loan Guarantees... of $325,663,157 in loan funds for the Rural Broadband Access Loans and Loan Guarantees Program for... identifying a definite funding amount. The maximum amount of a loan under this authority will be $75 million...

24 CFR 280.50 - Loan requirements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan requirements. 280.50 Section... DEVELOPMENT GRANT PROGRAMS NEHEMIAH HOUSING OPPORTUNITY GRANTS PROGRAM Program Operation § 280.50 Loan requirements. (a) Loan requirements. A loan made to a family purchasing a home constructed or substantially...

34 CFR 682.100 - The Federal Family Education Loan programs.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false The Federal Family Education Loan programs. 682.100... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Purpose and Scope § 682.100 The Federal Family Education Loan programs. (a) This part governs the following four programs...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

Teaching and Learning Forgiveness: A Multidimensional Approach

ERIC Educational Resources Information Center

Malcolm, Lois; Ramsey, Janet

2006-01-01

This essay seeks to illumine the teaching and learning of the practice of forgiveness by relating a range of theoretical perspectives (theological, psychological, and socio-cultural) to the process of cultivating the practical wisdom needed for forgiveness. We discuss how a Trinitarian "epistemology of the cross" might lead one to a new way of…

Forgiveness as an HRD Intervention: The Literature and a Proposed Framework

ERIC Educational Resources Information Center

Madsen, Susan R.; Gygi, Janice; Hammond, Scott C.; Plowman, Suzanne

2008-01-01

The purpose of this review is to explore the literature related to interpersonal forgiveness in organizations and its possible implications for HRD (human resource development) theory and practice. It defines forgiveness and provides a theoretical framework for its consideration within the workplace environment. It also reviews and discusses the…

Using Making Peace with Your Past in Forgiveness and Reconciliation

ERIC Educational Resources Information Center

Phillips, Tracey M.

2011-01-01

The purpose of this dissertation was to assess the effectiveness of a faith-based curriculum to promote forgiveness. A psycho-educational curriculum entitled "Making Peace With Your Past: Help for Adult Children of Dysfunctional Families" (Sledge, 1992) was offered to a 12-week mixed group in order to promote forgiveness and the desire…

Neural correlates of receiving an apology and active forgiveness: an FMRI study.

PubMed

Strang, Sabrina; Utikal, Verena; Fischbacher, Urs; Weber, Bernd; Falk, Armin

2014-01-01

Interpersonal conflicts are a common element of many social relationships. One possible process in rebuilding social relationships is the act of apologizing. Behavioral studies have shown that apologies promote forgiveness. However, the neural bases of receiving an apology and forgiveness are still unknown. Hence, the aim of the present fMRI study was to investigate brain processes involved in receiving an apology and active forgiveness of an ambiguous offense. We asked one group of participants (player A) to make decisions, which were either positive or negative for another group of participants (player B). The intention of player A was ambiguous to player B. In case of a negative impact, participants in the role of player A could send an apology message to participants in the role of player B. Subsequently players B were asked whether they wanted to forgive player A for making a decision with negative consequences. We found that receiving an apology yielded activation in the left inferior frontal gyrus, the left middle temporal gyrus, and left angular gyrus. In line with previous research we found that forgiving judgments activated the right angular gyrus.

78 FR 9936 - Federal Housing Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-12

... Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Pilot Program AGENCY...: On March 31, 2011, HUD published a notice that announced HUD's FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program) known as FHA PowerSaver, which is a pilot program conducted for loans...

State Clean Energy Policies Analysis. State, Utility, and Municipal Loan Programs

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

Lantz, Eric

2010-05-01

This report relies on six in-depth interviews with loan program administrators to provide descriptions of existing programs. Findings from the interviews are combined with a review of relevant literature to elicit best practices and lessons learned from existing loan programs. Data collected from each of the loan programs profiled are used to quantify the impacts of these specific loan programs on the commonly cited, overarching state clean energy goals of energy security, economic development, and environmental protection.

Longitudinal relations between forgiveness and conflict resolution in marriage.

PubMed

Fincham, Frank D; Beach, Steven R H; Davila, Joanne

2007-09-01

Does forgiveness predict later conflict resolution in married couples? Twelve-month follow-up data on conflict resolution were collected from the couples studied by F. D. Fincham, S. R. Beach, and J. Davila, who had provided earlier reports of forgiveness and conflict resolution. For wives, the positive dimension of forgiveness or benevolence predicted husbands' later reports of better conflict resolution controlling for initial levels of conflict resolution. This finding was independent of wives' marital satisfaction and the degree of hurt engendered by husbands' transgressions. For husbands, the only predictor of wives' reports of later conflict resolution was initial level of conflict resolution. The findings are discussed in terms of the direction of effect between forgiveness and conflict resolution and of the mechanisms that might link them. PsycINFO Database Record (c) 2007 APA, all rights reserved

75 FR 20239 - Veterinary Medicine Loan Repayment Program (VMLRP)

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-19

... Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and Agriculture, USDA. ACTION... shortage situations, specifically for the Veterinary Medicine Loan Repayment Program (VMLRP) authorized by... a new Veterinary Medicine Loan Repayment Program (7 U.S.C. 3151a) authorizing the Secretary of...

78 FR 63158 - Information Collection; Guaranteed Farm Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-23

... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Guaranteed Farm Loan Program... collection associated with the Guaranteed Farm Loan Program. The amended estimate adds the merger of the information collection for the Land Contract Guarantee Program (0560-0279) into the Guaranteed Farm Loan...

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

76 FR 52962 - Notice of Submission of Proposed Information Collection to OMB; Emergency Homeowners' Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-24

... Homeowners Loan Program. The program will offer a declining balance, deferred payment ``bridge loan'' (non.... The program will offer a declining balance, deferred payment ``bridge loan'' (non-recourse...

76 FR 5187 - Notice of Proposed Information Collection: Comment Request; Emergency Homeowners' Loan Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-28

... Information Collection: Comment Request; Emergency Homeowners' Loan Program Data Elements AGENCY: Office of... following information: Title of Proposal: Emergency Homeowners' Loan Program Data Elements. Description of... of Affected Public: Emergency Homeowners' Loan Program Data Elements. Estimation of the total numbers...

Assessing the Feasibility of Creating a SELF Loan Refinancing Program

ERIC Educational Resources Information Center

Kosir, Marilyn; Danette, Jerry; Li, Peter; Sanford, Thomas

2015-01-01

Since the Student Education Loan Fund (SELF) Loan program's inception in 1984, over 250,000 students have received more than $2 billion in SELF Loans to pursue their postsecondary education (Minnesota Office of Higher Education, 2014a). The SELF Loan program provides undergraduate and graduate students with long-term, low-interest educational…

77 FR 38784 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-29

...; Federal Perkins Loan Program/NDSL Assignment Form SUMMARY: The Federal Perkins Loan Program allows for... exhausted all of its efforts in recovering an outstanding loan. The Perkins Assignment Form serves as the... to this notice will be considered public records. Title of Collection: Federal Perkins Loan Program...

7 CFR 2201.14 - Eligible Loan purposes.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Eligible Loan purposes. 2201.14 Section 2201.14 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.14 Eligible Loan...

The Mediating and Moderating Role of Subjective Happiness in the Relationship between Vengeance and Forgiveness

ERIC Educational Resources Information Center

Uysal, Recep; Satici, Seydi Ahmet

2014-01-01

The primary goal of the current study was to investigate the mediator and moderator effects of subjective happiness on the relationship between forgiveness and vengeance in Turkish university students. A questionnaire containing the Turkish version of Vengeance Scale, Subjective Happiness Scale, and Forgiveness Scale were completed by 298…

Subjective Well-Being of Hong Kong Chinese Teachers: The Contribution of Gratitude, Forgiveness, and the Orientations to Happiness

ERIC Educational Resources Information Center

Chan, David W.

2013-01-01

This study investigated whether gratitude and forgiveness contribute to subjective well-being (life satisfaction, positive affect, and negative affect) above the contribution of the three orientations to happiness in a sample of 143 Hong Kong Chinese teachers. Gratitude and forgiveness correlated substantially and significantly with each other,…

Public, Private, and Home School Children's Views of Forgiveness and Retribution in "Cinderella."

ERIC Educational Resources Information Center

Knafle, June D.; Wescott, Alice Legenza

Fifth Graders (N=626) from public, Catholic, Christian, and home schools reacted to values of forgiveness versus retribution in the two main versions of "Cinderella" by choosing which ending they preferred for themselves, for a 4-year old sister, and for a 4-year old brother. Girls preferred the forgiveness ending for themselves…

Measuring the Transgression-Related Interpersonal Motivations Inventory in Marital Relationships: Forgiveness in the Chinese Context (C-TRIM)

ERIC Educational Resources Information Center

Wong, Lai Cheung; Chu, Amanda M. Y.; Chan, Cecilia L. W.

2014-01-01

Objective: Because forgiveness is an important aspect of studies in marital relationships, there is a need for a culturally relevant measure of forgiveness for Chinese couples. This study aims to validate the Transgression-related Interpersonal Motivations Inventory in marital relationships within a Chinese context (C-TRIM). Method: Data were…

34 CFR 673.3 - Application.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., DEPARTMENT OF EDUCATION GENERAL PROVISIONS FOR THE FEDERAL PERKINS LOAN PROGRAM, FEDERAL WORK-STUDY PROGRAM... Perkins Loan, FWS, and FSEOG Programs § 673.3 Application. (a) To participate in the Federal Perkins Loan... the Federal Perkins Loan, FWS, and FSEOG programs must be on a form approved by the Secretary and must...

34 CFR 673.3 - Application.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., DEPARTMENT OF EDUCATION GENERAL PROVISIONS FOR THE FEDERAL PERKINS LOAN PROGRAM, FEDERAL WORK-STUDY PROGRAM... Perkins Loan, FWS, and FSEOG Programs § 673.3 Application. (a) To participate in the Federal Perkins Loan... the Federal Perkins Loan, FWS, and FSEOG programs must be on a form approved by the Secretary and must...

Understanding the Relationship Between State Forgiveness and Psychological Wellbeing: A Qualitative Study.

PubMed

Akhtar, Sadaf; Dolan, Alan; Barlow, Jane

2017-04-01

Over the last 20 years, increasing attention has been given to associations between dispositional forgiveness and specific mental health problems. However, few studies have assessed whether forgiving real-life interpersonal hurts may be related to diverse psychological health outcomes. The present study addresses this gap by investigating, in depth, relationships between perceptions about state forgiveness and a variety of mental wellbeing outcomes as well as exploring perceptions about the factors that may modify such effects. Developing an understanding of a forgiveness wellbeing relationship is of relevance to healthcare workers, researchers and policy makers with an interest in improving public health. In-depth semi-structured interviews were conducted, and data were analysed using grounded theory methods. From England and Ireland, eleven adults who were affiliated with religious/spiritual and secular/atheist groups were recruited using purposive and convenience sampling methods. Key themes that appeared to be related to the effects of unforgiveness were: increases in negative affect; reduction in cognitive abilities and barriers to psychological and social growth. For the majority of participants, state forgiveness had strong ties to participants perceived sense of mental wellbeing, including reductions in negative affect, feeling positive emotions, positive relations with others, spiritual growth, a sense of meaning and purpose in life as well as a greater sense of empowerment. The data also revealed a number of factors that may positively or negatively influence a forgiveness-wellbeing link such as: viewing an offender as spiritually similar or different, responsibility/karma, blaming, wanting restitution/apology as well as practices such as meditation and prayer. The findings suggest that forgiving a range of real-life interpersonal offences may be an important determinant of psychological wellbeing, particularly among religious/spiritual populations. Further research is, however, needed.

7 CFR 2201.10 - Loan amount and Guarantee percentage.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan amount and Guarantee percentage. 2201.10 Section 2201.10 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.10 Loan...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2013 CFR

2013-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2010 CFR

2010-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2011 CFR

2011-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2012 CFR

2012-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2014 CFR

2014-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

Forgiveness, Attachment to God, and Mental Health Outcomes in Older U.S. Adults: A Longitudinal Study.

PubMed

Kent, Blake Victor; Bradshaw, Matt; Uecker, Jeremy E

2018-06-01

We analyze a sample of older U.S. adults with religious backgrounds in order to examine the relationships among two types of divine forgiveness and three indicators of psychological well-being (PWB) as well as the moderating role of attachment to God. Results suggest that (a) feeling forgiven by God and transactional forgiveness from God are not associated with changes in PWB over time, (b) secure attachment to God at baseline is associated with increased optimism and self-esteem, (c) feeling forgiven by God and transactional forgiveness from God are more strongly associated with increased PWB among the securely attached, and (d) among the avoidantly attached, PWB is associated with consistency in one's beliefs, that is, a decreased emphasis on forgiveness from God. Findings underscore the importance of subjective beliefs about God in the lives of many older adults in the United States.

The Mediating Role of Posttraumatic Stress Disorder with Tendency to Forgive, Social Support, and Psychosocial Functioning of Terror Survivors.

PubMed

Weinberg, Michael

2018-06-12

The study reported in this article examined the relationship between psychosocial functioning and tendency to forgive, social support, and posttraumatic stress disorder (PTSD) symptoms of terror survivors (N = 108). Structural equation modeling was used to examine whether PTSD symptoms mediated the association between tendency to forgive, social support, and psychosocial functioning. The findings demonstrated that the association between tendency to forgive and psychosocial functioning was mediated exclusively by PTSD symptoms, whereas the association between social support and psychosocial functioning was partially mediated by PTSD symptoms. The study reinforces the importance of addressing trauma survivors' psychosocial functioning as an emotional state associated with tendency to forgive, social support, and PTSD symptoms. In addition, the findings suggest that when treating trauma survivors, therapists should be aware of PTSD not only as an emotional consequence of trauma, but also as a mediator of numerous emotional and cognitive coping mechanisms.

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2011 CFR

2011-01-01

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

77 FR 71584 - Agency Information Collection Activities; Comment Request; Loan Cancellation in the Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-03

...; Comment Request; Loan Cancellation in the Federal Perkins Loan Program AGENCY: Department of Education (ED... of Collection: Loan Cancellation in the Federal Perkins Loan Program. OMB Control Number: 1845-0100... these regulations are necessary to determine Federal Perkins Loan borrower's eligibility to receive...

7 CFR 774.22 - Loan closing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 774.22 Section 774.22 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.22 Loan closing. (a) Conditions. The... approval prior to closing. (b) Loan instruments and legal documents. The applicant will execute all loan...

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

7 CFR 1435.101 - Loan rates.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

Student Consolidation Loans: Further Analysis Could Lead to Enhanced Default Assumptions for Budgetary Cost Estimates. Report to the Chairman, Committee on the Budget, House of Representatives. GAO-04-843

ERIC Educational Resources Information Center

Ashby, Cornelia M.

2004-01-01

This study investigated: (1) differences between the Federal Family Education Loan Program (FFELP) and William D. Ford Federal Direct Loan Program (FDLP) consolidation loans and borrowers; (2) the extent to which borrowers with student loans under one program obtain consolidation loans under the other; and (3) how FFELP and FDLP borrower and loan…

HUD PowerSaver Pilot Loan Program

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

Zimring, Mark; Hoffman, Ian

2010-12-10

The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program ismore » not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.« less

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...

Subsidy Estimates for Guaranteed and Direct Student Loans. A CBO Paper

ERIC Educational Resources Information Center

Humphrey, Justin

2005-01-01

The federal government assists students and their parents in meeting the costs of postsecondary education through two student loan programs, the Federal Family Education Loan Program and the William D. Ford Direct Loan Program. Although the two programs provide similar benefits to borrowers, their structures and operations differ greatly. As a…

77 FR 23461 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-19

... Applications for the Veterinary Medicine Loan Repayment Program AGENCY: National Institute of Food and... announcing the release of the Veterinary Medicine Loan Repayment Program (VMLRP) Request for Applications (RFA) at www.nifa.usda.gov/vmlrp . DATES: The FY 2012 Veterinary Medicine Loan Repayment Program (VMLRP...

Direct and Indirect Effects of Religiosity on Valuation of Life through Forgiveness and Social Provisions among Older Incarcerated Males

ERIC Educational Resources Information Center

Randall, G. K.; Bishop, Alex J.

2013-01-01

Purpose of the study: Few studies have investigated the influence of religiosity (REL), forgiveness, and social resources on incarcerated individuals' attachment to their lives, or valuation of life (VOL). We tested a model linking REL to VOL through 3 subscales of the Heartland Forgiveness Scale (Self, Others, and Situations) and social…

Dispositional Forgiveness as a Predictor of Psychological Resilience among Women: A Sign of Mental Health

ERIC Educational Resources Information Center

Abid, Momina; Sultan, Sarwat

2015-01-01

Mental health includes several components of living a healthy life such as one's ability to enjoy life and to cope with stresses. Forgiveness is also one path to mental health. Present study aimed to investigate the predictive relationship of dispositional forgiveness with psychological resilience and to explore the role of marital status in…

Contextual and Pedagogical Considerations in Teaching for Forgiveness in the Arab World

ERIC Educational Resources Information Center

Nasser, Ilham; Abu-Nimer, Mohammed; Mahmoud, Ola

2014-01-01

This study was conducted among Arab teachers in four countries in the Middle East (Jordan, Lebanon, Egypt and Palestine) to examine their views and methods on teaching for forgiveness in their classrooms. A total of 87 teachers in K-12 classrooms participated in semi-structured interviews as part of a larger study on teaching for forgiveness in…

The Impact of a Forgiveness Intervention with Hong Kong Chinese Children Hurt in Interpersonal Relationships

ERIC Educational Resources Information Center

Hui, Eadaoin K. P.; Chau, Tat Sing

2009-01-01

This study investigated the effects of a small group process-based forgiveness intervention with Hong Kong Chinese children who judged themselves to have been hurt and chose not to forgive their offenders. An experimental versus control group, with pre-test/post-test design was used. The quantitative and qualitative findings revealed that the…

Neural Correlates of Receiving an Apology and Active Forgiveness: An fMRI Study

PubMed Central

Strang, Sabrina; Utikal, Verena; Fischbacher, Urs; Weber, Bernd; Falk, Armin

2014-01-01

Interpersonal conflicts are a common element of many social relationships. One possible process in rebuilding social relationships is the act of apologizing. Behavioral studies have shown that apologies promote forgiveness. However, the neural bases of receiving an apology and forgiveness are still unknown. Hence, the aim of the present fMRI study was to investigate brain processes involved in receiving an apology and active forgiveness of an ambiguous offense. We asked one group of participants (player A) to make decisions, which were either positive or negative for another group of participants (player B). The intention of player A was ambiguous to player B. In case of a negative impact, participants in the role of player A could send an apology message to participants in the role of player B. Subsequently players B were asked whether they wanted to forgive player A for making a decision with negative consequences. We found that receiving an apology yielded activation in the left inferior frontal gyrus, the left middle temporal gyrus, and left angular gyrus. In line with previous research we found that forgiving judgments activated the right angular gyrus. PMID:24505303

7 CFR 1710.400 - Purpose.

Code of Federal Regulations, 2014 CFR

2014-01-01

... alternative energy resources in their service territory. These programs may be considered an essential utility... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Energy Efficiency and... to loans and loan guarantees to finance Energy Efficiency and Conservation programs (EE Programs...

7 CFR 3431.15 - Qualifying loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.15 Qualifying loans. (a) General. Loan repayments provided... accredited college of veterinary medicine resulting in a degree of Doctor of Veterinary Medicine, or the...

7 CFR 771.5 - Loan purposes.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 771.5 Section 771.5 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.5 Loan purposes. (a) Loan funds may be used..., travel and office operations; (3) Salaries and benefits. (b) Loan funds may not be used to pay expenses...

78 FR 48135 - Information Collection; Guaranteed Farm Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-07

... Information Collection; Guaranteed Farm Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Notice... revision of a currently approved information collection associated with the Guaranteed Farm Loan Program. This information collection is used to make and service loans guaranteed by FSA to eligible farmers and...

34 CFR 685.100 - The William D. Ford Federal Direct Loan Program.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false The William D. Ford Federal Direct Loan Program. 685...) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Purpose and Scope § 685.100 The William D. Ford Federal Direct Loan Program. (a) Under the William D. Ford...

States Create Low-Cost Loan Programs to Help Middle Class Pay for College.

ERIC Educational Resources Information Center

Blumenstyk, Goldie

1990-01-01

State low-interest college loans programs for middle-class families have emerged in response to restrictions on federally subsidized Stafford Loans. The key difference between federal and state programs is that most state programs require student borrowers and cosigners to prove good credit risks, reducing loan default and making the programs…

75 FR 36426 - Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-25

... Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public Health Service Act....) 111-148. Section 5202 of the ACA changes the Nursing Student Loan (NSL) program by: (1) Increasing the.... SUPPLEMENTARY INFORMATION: The Nursing Student Loan (NSL) program was authorized by the Nurse Training Act of...

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2011 CFR

2011-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a Direct Loan Program....21. (4)(i) If a student is enrolled in the first year of an undergraduate program of study and has... Unsubsidized Loan until 30 days after the first day of the student's program of study unless— (A)(1) Except as...

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2013 CFR

2013-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a Direct Loan Program....21. (4)(i) If a student is enrolled in the first year of an undergraduate program of study and has... Unsubsidized Loan until 30 days after the first day of the student's program of study unless— (A)(1) Except as...

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2012 CFR

2012-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a Direct Loan Program....21. (4)(i) If a student is enrolled in the first year of an undergraduate program of study and has... Unsubsidized Loan until 30 days after the first day of the student's program of study unless— (A)(1) Except as...

State Clean Energy Policies Analysis: State, Utility, and Municipal Loan Programs

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

Lantz, E.

2010-05-01

High initial costs can impede the deployment of clean energy technologies. Financing can reduce these costs. And, state, municipal, and utility-sponsored loan programs have emerged to fill the gap between clean energy technology financing needs and private sector lending. In general, public loan programs are more favorable to clean energy technologies than are those offered by traditional lending institutions; however, public loan programs address only the high up-front costs of clean energy systems, and the technology installed under these loan programs rarely supports clean energy production at levels that have a notable impact on the broader energy sector. This reportmore » discusses ways to increase the impact of these loan programs and suggests related policy design considerations.« less

7 CFR 1945.35 - Special EM loan training.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Effect of School System and Gender on Moral Values and Forgiveness in Pakistani School Children

ERIC Educational Resources Information Center

Javed, Anam; Kausar, Rukhsana; Khan, Nashi

2014-01-01

The present research was conducted to compare children studying in private and public schools in Pakistan on forgiveness and moral values. It was hypothesized that the type of school and gender of the child are likely to affect forgiveness and moral values in children. A sample of 100 children with equal number of girls and boys was recruited from…

Colombian Lay People's Willingness to Forgive Different Actors of the Armed Conflict: Results from a Pilot Study

ERIC Educational Resources Information Center

Lopez-Lopez, Wilson; Pineda Marin, Claudia; Murcia Leon, Maria Camila; Perilla Garzon, Diana Carolina; Mullet, Etienne

2012-01-01

A pilot study examined lay people's willingness to forgive acts that were committed by actors of the armed conflicts in Colombia. The participants (100 persons living in Bogota) were shown vignettes describing cases in which a member of the guerilla or a member of the former paramilitary forces asks for forgiveness to a victim's family, and were…

7 CFR 2201.28 - Participation in guaranteed Loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Participation in guaranteed Loans. 2201.28 Section 2201.28 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.28...

7 CFR 773.8 - Limitations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.8 Limitations. (a) The maximum loan amount any individual or business entity may receive under the Special Apple Loan Program is limited to $500,000. (b) The maximum loan is further limited to $300 per acre of apple trees in production in 1999 or 2000...

7 CFR 773.8 - Limitations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.8 Limitations. (a) The maximum loan amount any individual or business entity may receive under the Special Apple Loan Program is limited to $500,000. (b) The maximum loan is further limited to $300 per acre of apple trees in production in 1999 or 2000...

7 CFR 773.8 - Limitations.

Code of Federal Regulations, 2012 CFR

2012-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.8 Limitations. (a) The maximum loan amount any individual or business entity may receive under the Special Apple Loan Program is limited to $500,000. (b) The maximum loan is further limited to $300 per acre of apple trees in production in 1999 or 2000...

7 CFR 773.8 - Limitations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.8 Limitations. (a) The maximum loan amount any individual or business entity may receive under the Special Apple Loan Program is limited to $500,000. (b) The maximum loan is further limited to $300 per acre of apple trees in production in 1999 or 2000...

7 CFR 773.8 - Limitations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.8 Limitations. (a) The maximum loan amount any individual or business entity may receive under the Special Apple Loan Program is limited to $500,000. (b) The maximum loan is further limited to $300 per acre of apple trees in production in 1999 or 2000...

Guaranteed Loans: Just Plain Expensive

ERIC Educational Resources Information Center

Petri, Thomas E.

2007-01-01

The investigation of New York State's attorney general, Andrew M. Cuomo, into the questionable practices of lenders in federal student-loan programs has helped raise public awareness of one of the greatest scams in our government: The Federal Family Education Loan program, otherwise known as the guaranteed-student-loan program, is unnecessarily…

76 FR 71984 - Agency Information Collection Activities: Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-21

... Act of 1995. Proposed Project: Health Professions Student Loan (HPSL) Program and Nursing Student Loan... regulations for the Health Professions Student Loan (HPSL) Program and Nursing Student Loan (NSL) Program... use improved information technology to manage the information required by the regulations. The...

7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Distance Learning and Telemedicine Loan and Grant... § 1700.31 Distance Learning and Telemedicine Loan and Grant Program. RUS, through the Telecommunications Program, makes grants and loans to furnish and improve telemedicine services and distance learning...

7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Distance Learning and Telemedicine Loan and Grant... § 1700.31 Distance Learning and Telemedicine Loan and Grant Program. RUS, through the Telecommunications Program, makes grants and loans to furnish and improve telemedicine services and distance learning...

7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Distance Learning and Telemedicine Loan and Grant... § 1700.31 Distance Learning and Telemedicine Loan and Grant Program. RUS, through the Telecommunications Program, makes grants and loans to furnish and improve telemedicine services and distance learning...

7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Distance Learning and Telemedicine Loan and Grant... § 1700.31 Distance Learning and Telemedicine Loan and Grant Program. RUS, through the Telecommunications Program, makes grants and loans to furnish and improve telemedicine services and distance learning...

7 CFR 1700.31 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Distance Learning and Telemedicine Loan and Grant... § 1700.31 Distance Learning and Telemedicine Loan and Grant Program. RUS, through the Telecommunications Program, makes grants and loans to furnish and improve telemedicine services and distance learning...

Early Years Educators at Play: A Research-Based Early Childhood Professional Development Program

ERIC Educational Resources Information Center

Kilinc, Sultan; Kelley, Michael F.; Millinger, Jenny; Adams, Korbi

2016-01-01

Every culture has developed some version of performance art. Children especially appreciate performance; their innate openness, forgiveness, and self-love make them delightful performers and audience members. Every time they engage with performance art, children are learning about storytelling, history, sociability, artistry, and physicality.…

34 CFR 222.18 - What amount does the Secretary forgive?

Code of Federal Regulations, 2010 CFR

2010-07-01

... SECONDARY EDUCATION, DEPARTMENT OF EDUCATION IMPACT AID PROGRAMS General § 222.18 What amount does the... hardship), and the LEA's current expenditure closing balance for the LEA's fiscal year immediately...'s preceding fiscal year's current expenditure closing balance is more than ten percent of its TCE...

The Guaranteed Student Loan Program. Access to Loans in Michigan 1971-72 to 1974-75. Michigan Business Reports Number 63.

ERIC Educational Resources Information Center

Cross, Cynthia Sahagian

A study of loan availability in Michigan through the federal Guaranteed Student Loan Program outlines the evolution of federal lending programs for college students and describes program characteristics, funds, costs, defaults, and funding systems. The situation for borrowers and lenders in the state and its regions is examined, including…

7 CFR 2201.27 - Assignment or transfer of Loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Assignment or transfer of Loans. 2201.27 Section 2201.27 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.27...

7 CFR 764.231 - Conservation loan uses.

Code of Federal Regulations, 2013 CFR

2013-01-01

... timber management, erosion control, or shelter belt purposes; (3) The installation of water conservation... 7 Agriculture 7 2013-01-01 2013-01-01 false Conservation loan uses. 764.231 Section 764.231... AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN MAKING Conservation Loan Program § 764.231 Conservation loan uses. (a...

7 CFR 764.231 - Conservation loan uses.

Code of Federal Regulations, 2014 CFR

2014-01-01

... timber management, erosion control, or shelter belt purposes; (3) The installation of water conservation... 7 Agriculture 7 2014-01-01 2014-01-01 false Conservation loan uses. 764.231 Section 764.231... AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN MAKING Conservation Loan Program § 764.231 Conservation loan uses. (a...

7 CFR 773.22 - Loan servicing.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Loan servicing. 773.22 Section 773.22 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.22 Loan servicing. Loans will be serviced as a Non...

7 CFR 773.22 - Loan servicing.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 7 2012-01-01 2012-01-01 false Loan servicing. 773.22 Section 773.22 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.22 Loan servicing. Loans will be serviced as a Non...

7 CFR 773.22 - Loan servicing.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Loan servicing. 773.22 Section 773.22 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.22 Loan servicing. Loans will be serviced as a Non...

7 CFR 773.22 - Loan servicing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 773.22 Section 773.22 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.22 Loan servicing. Loans will be serviced as a Non...

7 CFR 773.22 - Loan servicing.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 7 2014-01-01 2014-01-01 false Loan servicing. 773.22 Section 773.22 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.22 Loan servicing. Loans will be serviced as a Non...

7 CFR 1435.103 - Availability, disbursement, and maturity of loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) COMMODITY CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.103 Availability, disbursement, and maturity of loans. (a) Before obtaining a... on sugar or in-process sugar pledged as loan collateral, obtain waivers that fully protect CCC's...

7 CFR 1435.103 - Availability, disbursement, and maturity of loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) COMMODITY CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.103 Availability, disbursement, and maturity of loans. (a) Before obtaining a... on sugar or in-process sugar pledged as loan collateral, obtain waivers that fully protect CCC's...

7 CFR 1435.105 - Loan settlement and foreclosure.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program...) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due... specifications reported on the sugar loan certification report and actual loadout characteristics. (c)(1...

7 CFR 1435.105 - Loan settlement and foreclosure.

Code of Federal Regulations, 2011 CFR

2011-01-01

... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program...) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due... specifications reported on the sugar loan certification report and actual loadout characteristics. (c)(1...

7 CFR 771.13 - Loan closing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 771.13 Section 771.13 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.13 Loan closing. (a) Conditions. The applicant... prior to closing. (b) Loan instruments and legal documents. The borrower, through its authorized...

7 CFR 1435.103 - Availability, disbursement, and maturity of loans.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) COMMODITY CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.103 Availability, disbursement, and maturity of loans. (a) Before obtaining a... on sugar or in-process sugar pledged as loan collateral, obtain waivers that fully protect CCC's...

7 CFR 1435.105 - Loan settlement and foreclosure.

Code of Federal Regulations, 2013 CFR

2013-01-01

... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program...) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due... specifications reported on the sugar loan certification report and actual loadout characteristics. (c)(1...

7 CFR 1435.103 - Availability, disbursement, and maturity of loans.

Code of Federal Regulations, 2012 CFR

2012-01-01

...) COMMODITY CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.103 Availability, disbursement, and maturity of loans. (a) Before obtaining a... on sugar or in-process sugar pledged as loan collateral, obtain waivers that fully protect CCC's...

7 CFR 1435.105 - Loan settlement and foreclosure.

Code of Federal Regulations, 2012 CFR

2012-01-01

... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program...) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due... specifications reported on the sugar loan certification report and actual loadout characteristics. (c)(1...

7 CFR 1435.103 - Availability, disbursement, and maturity of loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) COMMODITY CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.103 Availability, disbursement, and maturity of loans. (a) Before obtaining a... on sugar or in-process sugar pledged as loan collateral, obtain waivers that fully protect CCC's...

7 CFR 1435.105 - Loan settlement and foreclosure.

Code of Federal Regulations, 2014 CFR

2014-01-01

... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program...) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due... specifications reported on the sugar loan certification report and actual loadout characteristics. (c)(1...

44 CFR 206.361 - Loan program.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.361 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.361 Loan... Community Disaster Loan to any local government which has suffered a substantial loss of tax and other...

44 CFR 206.371 - Loan program.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.371 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.371 Loan... Special Community Disaster Loan to any local government which has suffered a substantial loss of tax and...

7 CFR 773.7 - Loan uses.

Code of Federal Regulations, 2014 CFR

2014-01-01

... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with...

7 CFR 773.7 - Loan uses.

Code of Federal Regulations, 2010 CFR

2010-01-01

... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with...

7 CFR 773.7 - Loan uses.

Code of Federal Regulations, 2012 CFR

2012-01-01

... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with...

7 CFR 773.7 - Loan uses.

Code of Federal Regulations, 2013 CFR

2013-01-01

... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with...

7 CFR 773.7 - Loan uses.

Code of Federal Regulations, 2011 CFR

2011-01-01

... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with...

34 CFR 668.42 - Financial assistance information.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Loan Program, the William D. Ford Federal Direct Student Loan Program, and the Federal Perkins Loan... institution provides and collects as required by 34 CFR 674.42 for borrowers under the Federal Perkins Loan...

Assessing the relationships among race, religion, humility, and self-forgiveness: A longitudinal investigation.

PubMed

Krause, Neal

2015-06-01

Social and behavioral scientists have shown a growing interest in the study of virtues due, in part, to the influence of positive psychology. The underlying premise in this research is that adopting key virtues promotes a better quality of life. Consistent with this orientation, the purpose of this study is to assess the relationship between humility and self-forgiveness over time. The analyses are organized around three issues. First, it is proposed that older Blacks will be more humble than older Whites and older Blacks will be more likely to forgive themselves than older Whites. Second, it is hypothesized that, over time, more humble older people are more likely to forgive themselves than individuals who are less humble. Third, it is proposed that greater involvement in religion is associated with greater humility and greater self-forgiveness. Data from a nationwide longitudinal survey of older adults provides support for all these hypotheses. Copyright © 2015 Elsevier Ltd. All rights reserved.

Self-Punishment Promotes Forgiveness in the Direct and Indirect Reciprocity Contexts.

PubMed

Zhu, Ruida; Shen, Xueyi; Tang, Honghong; Ye, Peixia; Wang, Huagen; Mai, Xiaoqin; Liu, Chao

2017-06-01

Most previous studies regarding self-punishment have focused on the correlation between moral emotion and self-punishment. Only a few studies have attempted to understand self-punishment from the perspective of seeking forgiveness, and no study has yet directly tested whether wrongdoers' self-punishment promotes others to forgive the wrongdoers. In three studies, the participants judged the wrongdoers' self-punishment behaviors following an unfair allocation and reported the extent to which they forgave the wrongdoers. The results demonstrated that self-punishment did promote forgiveness in both the direct (Studies 1 and 2) and indirect reciprocity (Study 3) contexts. Consistent with costly signaling theory, the costlier the self-punishment was, the stronger the effect it had on forgiveness. Moreover, communicative self-punishment had a better effect than silent self-punishment when the cost was relatively high in the direct-reciprocity studies. These findings can guide us regarding how to address a damaged relationship via self-punishment when compensation is not feasible or acceptable.

Impediments to forgiveness: Victim and transgressor attributions of intent and guilt.

PubMed

Adams, Gabrielle S; Inesi, M Ena

2016-12-01

We investigate the possibility that victims and transgressors are predictably miscalibrated in their interpretation of a transgression, and that this has important implications for the process of forgiveness. Across 5 studies, we find that victims underestimate how much transgressors desire forgiveness. This is driven by a 2-part mediating mechanism: First, victims are more likely than transgressors to see the transgression as intentional, and second, this causes victims to believe transgressors feel less guilty than transgressors report feeling. Ultimately, this chain of asymmetries stymies the processes of forgiveness because victims tend to withhold forgiveness from those who actually desire it. The predicted effect emerged in the context of scenario studies (Studies 3 and 5), a real transgression that occurred in the lab (Study 4), transgressions from participants' pasts (Study 1), and transgressions from the same day (Study 2). In Study 4, we describe a new procedure in which 1 participant commits a real transgression against another participant, providing an effective means for researchers to study real-time transgressions from the perspective of both parties involved. Furthermore, in Study 5, we found that when victims were encouraged to empathize with the transgressor, the asymmetries were attenuated, suggesting a means of overcoming this impediment to forgiveness. (PsycINFO Database Record (c) 2016 APA, all rights reserved).

The effects of brief prayer on the experience of forgiveness: An American and Indian comparison.

PubMed

Toussaint, Loren; Kamble, Shanmukh; Marschall, Justin C; Duggi, Deepti B

2016-08-01

The present study offers a cross-cultural examination of the effect of prayer on forgiveness. American (n = 51) and Indian (n = 100) participants either prayed for their romantic partner (prayer condition) or described their romantic partner's physical attributes (control condition). Prayers were self-guided and lasted 3 minutes. Pre-test and post-test measures of retaliation were completed. Results showed that participants in the prayer group showed statistically significant decreases in retaliation motives from pre-test to post-test and the magnitude of this change was not different across cultures. Control groups in both cultures showed no change. Because of the religious diversity present in the Indian sample, the robustness of the effect of prayer on forgiveness was tested across Christian, Hindu and Muslim Indians. Religious affiliation did not moderate the effect of prayer on forgiveness in this sample. Results suggest that a brief prayer is capable of producing real change in forgiveness and this change is consistent across American and Indian cultures and across three different religious groups in India. Brief prayer for others that enhances forgiveness may be useful for individuals in close relationships, in certain counselling settings and for people in many different walks of life. © 2015 International Union of Psychological Science.

What bridges the gap between self-harm and suicidality? The role of forgiveness, resilience and attachment.

PubMed

Nagra, Gurmokh S; Lin, Ashleigh; Upthegrove, Rachel

2016-07-30

Self-harm is the most robust risk for completed suicide. There is a lack of understanding of why some people who self-harm escalate to suicidal behaviour when others do not. Psychological factors such as attachment, self-forgiveness and self-appraisal may be important. To determine whether factors from the Interpersonal Theory and Schematic Appraisals models are useful to identify suicidal behaviour in populations that self-harm. Specifically we investigate whether resilience factors of secure attachment, self-forgiveness and positive self-appraisals significantly influence suicidality in people who self-harm. A cross-sectional online study of 323 participants recruited from self-harm support forum. Validated self-report measures were used to assess appraisals, relationships, self-forgiveness, attachment style, suicidality and self-harm. Emotion coping and support seeking self-appraisals and self-forgiveness were negatively associated with suicidality in participants with a history of self-harm. Dismissing attachment was positively associated with suicidality. The perceived ability to cope with emotions, the perceived ability to gain support and self-forgiveness may protect against suicide in people who self-harm. Conversely the presence of dismissing attachment may increase the risk of suicidality. Findings provide therapeutic targets to reduce risk of suicidality in this high risk group. Copyright © 2016. Published by Elsevier Ireland Ltd.

Terms and conditions for Diesel Emissions Reduction Act Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon

EPA Pesticide Factsheets

Use this T&C for DERA Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon.

10 CFR 611.110 - Assignment or transfer of loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 4 2010-01-01 2010-01-01 false Assignment or transfer of loans. 611.110 Section 611.110 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS ADVANCED TECHNOLOGY VEHICLES MANUFACTURER ASSISTANCE PROGRAM Direct Loan Program § 611.110 Assignment or transfer of loans. (a) The Loan Documents may...

76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-22

... DEPARTMENT OF EDUCATION 34 CFR Part 668 [Docket ID ED-2009-OPE-0003] RIN 1840-AC95 Institutions and Lender Requirements Relating to Education Loans, Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal Direct Loan...

78 FR 13651 - Applications, Reports, and Other Records for the 2012-2013 Award Year

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-28

..., William D. Ford Federal Direct Loan, Teacher Education Assistance for College and Higher Education (TEACH... Direct Loan (Direct Loan) Program and Teacher Education Assistance for College and Higher Education... Direct Loan (Direct Loan) Program and Teacher Education Assistance for College and Higher Education...

The Student Guide. Five Federal Financial Aid Programs. 88-89.

ERIC Educational Resources Information Center

Department of Education, Washington, DC.

Information on five U.S. Department of Education student financial aid programs and how to apply for them is presented: Pell Grants, Supplemental Educational Opportunity Grants, College Work-Study, Perkins Loans (formerly National Direct Student Loans), and Guaranteed Student Loans (Parent Loans to Undergraduate Students and Supplemental Loans for…

7 CFR 771.15 - Loan servicing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 771.15 Section 771.15 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.15 Loan servicing. (a) Advances. FSA may make... advances. (b) Payments. Payments will be made to FSA as set forth in loan agreements and debt instruments...

7 CFR 3431.13 - Terms of loan repayment and length of service requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) NATIONAL INSTITUTE OF FOOD AND AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.13 Terms of loan repayment and length of service requirements. (a) Loan repayment. For each year of obligated service in a veterinary shortage situation, as...

34 CFR 682.408 - Loan disbursement through an escrow agent.

Code of Federal Regulations, 2010 CFR

2010-07-01

... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Administration of the Federal Family Education Loan Programs by a Guaranty Agency § 682.408 Loan disbursement through an... 34 Education 3 2010-07-01 2010-07-01 false Loan disbursement through an escrow agent. 682.408...

77 FR 47374 - Notice of Proposed Information Collection Requests; Federal Student Aid; William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-08

... which borrowers in the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education... DEPARTMENT OF EDUCATION Notice of Proposed Information Collection Requests; Federal Student Aid; William D. Ford Federal Direct Loan (Direct Loan) Program/ Federal Family Loan (FFEL) Program: Deferment...

13 CFR 120.361 - Other conditions of eligibility.

Code of Federal Regulations, 2011 CFR

2011-01-01

.... 120.361 Section 120.361 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Veterans Loan Program § 120.361 Other conditions of eligibility. (a) Management and... status was used to qualify for the loan. (b) This direct loan program is available only if private sector...

13 CFR 120.361 - Other conditions of eligibility.

Code of Federal Regulations, 2013 CFR

2013-01-01

.... 120.361 Section 120.361 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Veterans Loan Program § 120.361 Other conditions of eligibility. (a) Management and... status was used to qualify for the loan. (b) This direct loan program is available only if private sector...

13 CFR 120.361 - Other conditions of eligibility.

Code of Federal Regulations, 2014 CFR

2014-01-01

.... 120.361 Section 120.361 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Veterans Loan Program § 120.361 Other conditions of eligibility. (a) Management and... status was used to qualify for the loan. (b) This direct loan program is available only if private sector...

13 CFR 120.361 - Other conditions of eligibility.

Code of Federal Regulations, 2012 CFR

2012-01-01

.... 120.361 Section 120.361 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Veterans Loan Program § 120.361 Other conditions of eligibility. (a) Management and... status was used to qualify for the loan. (b) This direct loan program is available only if private sector...

A Brief Look at...the Texas B-On-Time Loan Program. Research Report

ERIC Educational Resources Information Center

Shook, Melissa

2012-01-01

The Texas B-On-Time (BOT) Loan Program is a unique state aid program intended to increase access to higher education in Texas and encourage on-time graduation. This state student loan may be completely forgiven if the otherwise eligible borrower completes his or her degree on time. The BOT Loan Program was developed in response to low on-time…

42 CFR 68a.1 - What is the scope and purpose of the NIH Clinical Research Loan Repayment Program for Individuals...

Code of Federal Regulations, 2010 CFR

2010-10-01

..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) CLINICAL RESEARCH LOAN REPAYMENT PROGRAM FOR... to the award of educational loan payments under the NIH Clinical Research Loan Repayment Program for... relative to income, to conduct clinical research as NIH employees. ...

13 CFR 120.1802 - How does a broker-dealer participate in the SISMBD Loan Program?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How does a broker-dealer participate in the SISMBD Loan Program? 120.1802 Section 120.1802 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of an SBA Direct Loan Program for Systemically...

77 FR 52705 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program/NDSL...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-30

... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program/NDSL Assignment Form SUMMARY: The Federal Perkins Loan Program allows for assignment of... its efforts in recovering an outstanding loan. The Perkins Assignment Form serves as the transmittal...

78 FR 25417 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-01

... Applications for the Veterinary Medicine Loan Repayment Program AGENCY: National Institute of Food and... announcing the release of the Veterinary Medicine Loan Repayment Program (VMLRP) Request for Applications (RFA) at www.nifa.usda.gov/vmlrp . DATES: The fiscal year (FY) 2013 Veterinary Medicine Loan Repayment...

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2014 CFR

2014-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a Direct Loan Program... an eligible home institution originating a loan to cover the cost of attendance in a study abroad... the first year of an undergraduate program of study and has not previously received a Direct...

77 FR 68138 - Office of the Director, National Institutes of Health; Notice of Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-15

... Program Nos. 93.14, Intramural Research Training Award; 93.22, Clinical Research Loan Repayment Program for Individuals from Disadvantaged Backgrounds; 93.232, Loan Repayment Program for Research Generally... Loan Repayment Program; 93.187, Undergraduate Scholarship Program for Individuals from Disadvantaged...

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

ERIC Educational Resources Information Center

Hassett, Kevin A.; Shapiro, Robert J.

2004-01-01

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

Primary care training and the evolving healthcare system.

PubMed

Peccoralo, Lauren A; Callahan, Kathryn; Stark, Rachel; DeCherrie, Linda V

2012-01-01

With growing numbers of patient-centered medical homes and accountable care organizations, and the potential implementation of the Patient Protection and Affordable Care Act, the provision of primary care in the United States is expanding and changing. Therefore, there is an urgent need to create more primary-care physicians and to train physicians to practice in this environment. In this article, we review the impact that the changing US healthcare system has on trainees, strategies to recruit and retain medical students and residents into primary-care internal medicine, and the preparation of trainees to work in the changing healthcare system. Recruitment methods for medical students include early preclinical exposure to patients in the primary-care setting, enhanced longitudinal patient experiences in clinical clerkships, and primary-care tracks. Recruitment methods for residents include enhanced ambulatory-care training and primary-care programs. Financial-incentive programs such as loan forgiveness may encourage trainees to enter primary care. Retaining residents in primary-care careers may be encouraged via focused postgraduate fellowships or continuing medical education to prepare primary-care physicians as both teachers and practitioners in the changing environment. Finally, to prepare primary-care trainees to effectively and efficiently practice within the changing system, educators should consider shifting ambulatory training to community-based practices, encouraging resident participation in team-based care, providing interprofessional educational experiences, and involving trainees in quality-improvement initiatives. Medical educators in primary care must think innovatively and collaboratively to effectively recruit and train the future generation of primary-care physicians. © 2012 Mount Sinai School of Medicine.

Individual differences in self-appraisals and responses to dating violence scenarios.

PubMed

Katz, J; Street, A; Arias, I

1997-01-01

Previous research suggests that certain types of self-appraisals may predispose individuals to be more or less tolerant of relationship violence. The current study investigates two such appraisals, self-esteem and self-attributions, as correlates of women's responses to hypothetical episodes of relationship violence by their dating partners. Undergraduate women involved in dating relationships (N = 145) reported global self-esteem, attributions for hypothetical partner aggression, and probable responses to the aggression. Results showed that self-esteem and self-attributions emerged as correlates of intentions to forgive violence, whereas only self-attributions emerged as a correlate of intentions to dissolve the relationship. The association between self-attributions and intentions to exit a violent relationship was fully mediated by intentions to forgive the partner. Because self-appraisals may inform prevention programs for women who may experience relationship violence, clinical implications are discussed.

7 CFR 772.14 - Reamortization of AMP loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Reamortization of AMP loans. 772.14 Section 772.14... AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.14 Reamortization of AMP loans. The Agency may approve reamortization of AMP loans provided: (a) There is no extension of the final maturity date...

7 CFR 772.10 - Transfer and assumption-AMP loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Transfer and assumption-AMP loans. 772.10 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.10 Transfer and assumption—AMP loans. (a) Eligibility. The Agency may approve transfers and assumptions of AMP loans when: (1) The...

34 CFR 674.60 - Cancellation for volunteer service-Perkins loans, NDSLs and Defense loans.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 34 Education 3 2014-07-01 2014-07-01 false Cancellation for volunteer service-Perkins loans, NDSLs... PROGRAM Loan Cancellation § 674.60 Cancellation for volunteer service—Perkins loans, NDSLs and Defense... a volunteer under The Peace Corps Act or The Domestic Volunteer Service Act of 1973 (ACTION programs...

34 CFR 674.60 - Cancellation for volunteer service-Perkins loans, NDSLs and Defense loans.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 34 Education 3 2013-07-01 2013-07-01 false Cancellation for volunteer service-Perkins loans, NDSLs... PROGRAM Loan Cancellation § 674.60 Cancellation for volunteer service—Perkins loans, NDSLs and Defense... a volunteer under The Peace Corps Act or The Domestic Volunteer Service Act of 1973 (ACTION programs...

34 CFR 674.60 - Cancellation for volunteer service-Perkins loans, NDSLs and Defense loans.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 34 Education 3 2012-07-01 2012-07-01 false Cancellation for volunteer service-Perkins loans, NDSLs... PROGRAM Loan Cancellation § 674.60 Cancellation for volunteer service—Perkins loans, NDSLs and Defense... a volunteer under The Peace Corps Act or The Domestic Volunteer Service Act of 1973 (ACTION programs...

78 FR 76593 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2014

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-18

... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2014 AGENCY: Rural Business-Cooperative Service, USDA. ACTION... limited program funds that are expected for Fiscal Year (FY) 2014 for the B&I Guaranteed Loan Program, the...

The dynamic interplay of mourning and forgiveness in the early development of the self and psychic structure.

PubMed

Rankin, Eric D

2014-04-01

Mourning has received considerable attention in the psychoanalytic literature. Beginning with Freud's 1917 investigation, the central role of mourning in psychical development via identification has been articulated and subsequently elaborated upon by various authors (e.g., Klein, 1940; Schafer, 2005). Forgiveness, on the other hand, has until recently received considerably less attention, perhaps because of the strong religious and moral connotations often associated with it (Lansky, 2009a). Contemporary writers exploring the psychoanalytic implications of mourning and forgiveness, however, have suggested the importance of both in normal psychical development. The purpose of this paper is to propose an integrated model of mourning and forgiveness and explore its potential role in nascent infant development.

Positive affect, negative affect, stress, and social support as mediators of the forgiveness-health relationship.

PubMed

Green, Michelle; Decourville, Nancy; Sadava, Stanley

2012-01-01

Structural equation modeling was used to test a model in which positive affect, negative affect, perceived stress, and social support were hypothesized to mediate the relationship between forgiveness and mental and physical health. Six hundred and twenty-three undergraduates completed a battery of self-report measures. Results of the analyses indicated that the forgiveness-health relation was mediated by positive affect, negative affect, stress, and the interrelationship between negative affect and stress. There was limited support for social support and the interrelationship between positive affect and social support as mediators. The results suggested that the relationship between forgiveness and health is mediated rather than direct. Implications and directions for future research are discussed.

Department of Education's College Construction Loan Programs. Hearing before a Subcommittee of the Committee on Government Operations. House of Representatives, Ninety-Eighth Congress, Second Session.

ERIC Educational Resources Information Center

Congress of the U. S., Washington, DC. House Committee on Government Operations.

This document records the hearing of a Subcommittee of the House on its 3-month investigation of the College Housing Loan Program and the Academic Facilities Loan Program, which are administered by the Department of Education. These programs have awarded about $5 billion in loans to finance the construction of dormitories, dining halls, student…

7 CFR 1700.55 - Telecommunications Program.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Telecommunications Program. 1700.55 Section 1700.55... AGRICULTURE GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.55 Telecommunications Program. (a..., Telecommunications Program, has the authority to approve the following loans, loan guarantees, and lien...

7 CFR 1700.55 - Telecommunications Program.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Telecommunications Program. 1700.55 Section 1700.55... AGRICULTURE GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.55 Telecommunications Program. (a..., Telecommunications Program, has the authority to approve the following loans, loan guarantees, and lien...

7 CFR 1700.55 - Telecommunications Program.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Telecommunications Program. 1700.55 Section 1700.55... AGRICULTURE GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.55 Telecommunications Program. (a..., Telecommunications Program, has the authority to approve the following loans, loan guarantees, and lien...

7 CFR 1700.55 - Telecommunications Program.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Telecommunications Program. 1700.55 Section 1700.55... AGRICULTURE GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.55 Telecommunications Program. (a..., Telecommunications Program, has the authority to approve the following loans, loan guarantees, and lien...

7 CFR 1700.55 - Telecommunications Program.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Telecommunications Program. 1700.55 Section 1700.55... AGRICULTURE GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.55 Telecommunications Program. (a..., Telecommunications Program, has the authority to approve the following loans, loan guarantees, and lien...

Reframing the Student Loan Costing Debate: The Benefits of Competition

ERIC Educational Resources Information Center

Galloway, Fred; Wilson, Hoke

2005-01-01

As debate in Washington heats up regarding congressional reauthorization of the Higher Education Act, a central question involves what to do about the continued coexistence of the two student loan programs--the Federal Family Education Loan Program (FFELP) and the Direct Loan Program (DLP). With hundreds of millions of dollars at stake for banks,…

The Direct Loan Demonstration Program: An Analysis of the Legislative Process Involving Federal Student Loan Policy.

ERIC Educational Resources Information Center

McCormick, Joe Lew

This study examined major stakeholders' perceptions of their involvement and role in the legislative process surrounding the introduction, deliberation, and ultimate passage of the Direct Loan Demonstration Program (DLDP), a federal pilot student loan program. Data analysis was based on a detailed description of the legislative process surrounding…

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

Code of Federal Regulations, 2011 CFR

2011-07-01

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

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

Code of Federal Regulations, 2014 CFR

2014-07-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

Code of Federal Regulations, 2013 CFR

2013-07-01

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

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

Code of Federal Regulations, 2012 CFR

2012-07-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-25

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

Team-Based Simulations: Learning Ethical Conduct in Teacher Trainee Programs

ERIC Educational Resources Information Center

Shapira-Lishchinsky, Orly

2013-01-01

This study aimed to identify the learning aspects of team-based simulations (TBS) through the analysis of ethical incidents experienced by 50 teacher trainees. A four-dimensional model emerged: learning to make decisions in a "supportive-forgiving" environment; learning to develop standards of care; learning to reduce misconduct; and learning to…

Keeping Schools Safe during Tight Budget Times

ERIC Educational Resources Information Center

Trump, Kenneth S.

2010-01-01

Tight budgets are no excuse for failing to be proactive with school safety. In fact, school leaders must be especially committed to prevention and security programs during times when economic woes are increasing stress on kids, their families and school staff. Parents will forgive educators if their school's test scores drop. But they are much…

Reforming Ontario's University Student Loans and Fee Structures. Discussion Series, Issue 1.

ERIC Educational Resources Information Center

West, Edwin G.

The Ontario Student Loan Program has experienced problems with default on student loans, as have loan systems in other countries where governments rely mainly on banks and special departments of quasi-public institutions to monitor or police the borrowers. This report discusses the need for radical modifications of the student loan program to…

77 FR 29988 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-21

... benefits under the Department of Defense's Student Loan Repayment Program, or having a federal education... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford... her William D. Ford Federal Direct Loan (Direct Loan) or Federal Family Education Loan (FFEL) Program...

The relationship between forgiveness, spirituality, traumatic guilt and posttraumatic stress disorder (PTSD) among people with addiction.

PubMed

Langman, Louise; Chung, Man Cheung

2013-03-01

Spirituality and forgiveness have been shown to be associated with psychological well-being, while guilt has been associated with poor health. Little is known, however, about the relationship between forgiveness, spirituality, guilt, posttraumatic stress (PTSD) and psychological co-morbidity among people in recovery from addiction. Eighty-one people (F = 36, M = 45) in recovery from drug and alcohol addiction were recruited from two residential units and two drop-in centres in a city in the United Kingdom. They completed the Posttraumatic Stress Diagnostic Scale (PDS), the General Health Questionnaire-28 (GHQ-28), the Spiritual Involvement and Beliefs Scale (SIBS), the Heartland Forgiveness Scale (HFS), the Traumatic Guilt Inventory (TGI), the Michigan Alcoholism Screening Test (MAST-22) and the Drug Abuse Screening Test (DAST-20). The control group comprised of 83 (F = 34, M = 49) individuals who confirmed that they did not have addiction and completed the PDS & GHQ-28. 54 % of the addiction group met the criteria for full PTSD and reported anxiety, somatic problems and depression. They described themselves as spiritual, had strong feelings of guilt associated with their addiction, and had difficulty in forgiving themselves. Controlling for demographics, number of events and medication management, regression analyses showed that spirituality predicted psychological co-morbidity, whilst feelings of guilt predicted PTSD symptoms and psychological co-morbidity. Unexpectedly, forgiveness did not predict outcomes. This study supports existing literature, which shows that people with drug and alcohol addiction tend to have experienced significant past trauma and PTSD symptoms. Their posttraumatic stress reactions and associated psychological difficulties can be better understood in the light of guilt and spirituality. Meanwhile, their ability to forgive themselves or others did not seem to influence health outcomes.

Guaranteed Student Loans: GAO High Risk Series.

ERIC Educational Resources Information Center

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

As part of a larger program to identify and analyze federal programs at high risk for waste, fraud, abuse and mismanagement, this publication presents an evaluation of the Federal Family Education Loan Program (FFELP), formerly the Guaranteed Student Loan Program. The analysis argues that the program has not been successful in protecting the…

12 CFR 617.7430 - Are institutions required to participate in state agricultural loan mediation programs?

Code of Federal Regulations, 2010 CFR

2010-01-01

... state agricultural loan mediation programs? 617.7430 Section 617.7430 Banks and Banking FARM CREDIT... Mediation Programs § 617.7430 Are institutions required to participate in state agricultural loan mediation programs? (a) If initiated by a borrower, System institutions must participate in state mediation programs...

Actions Underway to Reduce Delinquencies in the Health Professions and Nursing Student Loan Programs.

ERIC Educational Resources Information Center

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

The problem of loan payment delinquency in the Health Professions and Nursing Student Loan Programs was reviewed. Problems that schools have had in billing and collecting outstanding loans and the lack of effective program monitoring by the Department of Health and Human Services (DHHS) were assessed, along with the DHHS' efforts to correct the…

Tools for Schools. Defense Industrial Reserve Loan Program. Public Law 93-155, 93rd Congress.

ERIC Educational Resources Information Center

Defense Logistics Agency (DOD), Memphis, TN.

This brochure describes the "Tools for Schools" Loan Program and includes guidelines for preparation of an application for a loan of industrial manufacturing equipment from the Defense Industrial Reserve (DIR). The first section is in question-and-answer form and describes the program through which equipment from DIR may be loaned to any…

Deferred Cost Recovery for Higher Education: Student Loan Programs in Developing Countries. World Bank Discussion Papers, No. 137.

ERIC Educational Resources Information Center

Albrecht, Douglas; Ziderman, Adrian

This study analyzes the experience of existing higher education student loan programs in developing countries in order to understand their role in fostering cost recovery. Detailed financial analyses of 24 loan programs shows that present value of the repayments collected constitutes a small percentage of the loan value disbursed. In general,…

Depressive symptoms and interpersonal needs as mediators of forgiveness and suicidal behavior among rural primary care patients.

PubMed

Nsamenang, Sheri A; Webb, Jon R; Cukrowicz, Kelly C; Hirsch, Jameson K

2013-07-01

Suicide is the 10th leading cause of death in the US, and rates of suicide are higher in rural than urban areas. As proposed by the Interpersonal-Psychological Theory of Suicide, thwarted belongingness and perceived burdensomeness are risk factors for suicidal behavior, although protective individual-level characteristics such as forgiveness, may indirectly affect suicidal behavior by decreasing the deleterious effect of thwarted interpersonal needs. A sample of uninsured adults recruited from a rural primary clinic (N=101) completed the Brief Multidimensional Measure of Religiousness and Spirituality; Suicidal Behaviors Questionnaire-Revised; Interpersonal Needs Questionnaire; and Center for Epidemiologic Studies Depression Scale. Parallel and serial multivariable mediation analyses were conducted to test for direct and indirect effects of forgiveness on suicidal behavior. In parallel mediation, covarying depressive symptoms, forgiveness of self had an indirect effect on suicidal behavior, through perceived burdensomeness. Inclusion of depressive symptoms as a mediator revealed an indirect effect of forgiveness of self and others on suicidal behavior via depression, thwarted belongingness, and perceived burdensomeness in a serial mediation model. A longitudinal study, with an equal representation of males and diverse populations is needed to replicate our findings. Our findings have implications for the role health providers can play in addressing suicide with rural patients. Promoting forgiveness, may, in turn affect interpersonal functioning and decrease risk for suicidal behavior. Copyright © 2013 Elsevier B.V. All rights reserved.

7 CFR 773.1 - Introduction.

Code of Federal Regulations, 2012 CFR

2012-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.1 Introduction. This part contains the terms and conditions for loans made under the Special Apple Loan Program. These regulations are applicable to... program objective is to assist producers of apples suffering from economic loss as a result of low apple...

7 CFR 773.1 - Introduction.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.1 Introduction. This part contains the terms and conditions for loans made under the Special Apple Loan Program. These regulations are applicable to... program objective is to assist producers of apples suffering from economic loss as a result of low apple...

7 CFR 773.1 - Introduction.

Code of Federal Regulations, 2014 CFR

2014-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.1 Introduction. This part contains the terms and conditions for loans made under the Special Apple Loan Program. These regulations are applicable to... program objective is to assist producers of apples suffering from economic loss as a result of low apple...

7 CFR 773.1 - Introduction.

Code of Federal Regulations, 2011 CFR

2011-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.1 Introduction. This part contains the terms and conditions for loans made under the Special Apple Loan Program. These regulations are applicable to... program objective is to assist producers of apples suffering from economic loss as a result of low apple...

7 CFR 773.1 - Introduction.

Code of Federal Regulations, 2013 CFR

2013-01-01

... SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.1 Introduction. This part contains the terms and conditions for loans made under the Special Apple Loan Program. These regulations are applicable to... program objective is to assist producers of apples suffering from economic loss as a result of low apple...

7 CFR 1700.54 - Electric Program.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Electric Program. 1700.54 Section 1700.54 Agriculture... GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.54 Electric Program. (a) Administrator: The... Administrator, Electric Program, has the authority to approve the following loans, loan guarantees, and lien...

7 CFR 1700.54 - Electric Program.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Electric Program. 1700.54 Section 1700.54 Agriculture... GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.54 Electric Program. (a) Administrator: The... Administrator, Electric Program, has the authority to approve the following loans, loan guarantees, and lien...

7 CFR 1700.54 - Electric Program.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Electric Program. 1700.54 Section 1700.54 Agriculture... GENERAL INFORMATION Loan and Grant Approval Authorities § 1700.54 Electric Program. (a) Administrator: The... Administrator, Electric Program, has the authority to approve the following loans, loan guarantees, and lien...

78 FR 20466 - National Institutes of Health Loan Repayment Programs

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-05

... (Extramural LRPs). The Intramural LRPs include the Loan Repayment Program for Research with Respect to Acquired Immune Deficiency Syndrome (or AIDS Research LRP); Loan Repayment Program for General Research (or General Research LRP), which includes a program for the Accreditation Council for Graduate Medical...

7 CFR 1902.1 - General.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Office grant program managers. (i) Automated systems referred to in this instruction refers to the loan accounting systems; e.g., Program Loan Accounting System, Automated Multi-Housing Accounting System, and Dedicated Loan Origination System, from which loan and grant disbursements are ordered. (j) This subpart...

7 CFR 3431.8 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.8 Purpose and scope. (a) Purpose. The regulations of this subpart apply to the award of veterinary medicine loan repayments under the Veterinary Medicine Loan...

34 CFR 668.52 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Grant, Federal Perkins Loan, FWS, FSEOG, Federal Stafford Loan, and William D. Ford Federal Direct Loan... Perkins Loan, FWS, FSEOG, Federal Stafford Loan, or William D. Ford Federal Direct Loan programs...

34 CFR 668.52 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Grant, Federal Perkins Loan, FWS, FSEOG, Federal Stafford Loan, and William D. Ford Federal Direct Loan... Perkins Loan, FWS, FSEOG, Federal Stafford Loan, or William D. Ford Federal Direct Loan programs...

A prototype analysis of forgiveness.

PubMed

Kearns, Jill N; Fincham, Frank D

2004-07-01

Many definitions of forgiveness currently exist in the literature. The current research adds to this discussion by utilizing a prototype approach to examine lay conceptions of forgiveness. A prototype approach involves categorizing objects or events in terms of their similarity to a good example, whereas a classical approach requires that there are essential elements that must be present. In Study 1, participants listed the features of forgiveness. Study 2 obtained centrality ratings for these features. In Studies 3 and 4, central features were found to be more salient in memory than peripheral features. Study 5 showed that feature centrality influenced participants' ratings of victims involved in hypothetical transgressions. Thus, the two criteria for demonstrating prototype structure (that participants find it meaningful to judge features in terms of their centrality and that centrality affects cognition) were met.

42 CFR 62.51 - What is the scope and purpose of the State Loan Repayment Program?

Code of Federal Regulations, 2011 CFR

2011-10-01

... Repayment Program? 62.51 Section 62.51 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN... PROGRAMS Grants for State Loan Repayment Programs § 62.51 What is the scope and purpose of the State Loan... health services in medically underserved areas. ...

42 CFR 62.51 - What is the scope and purpose of the State Loan Repayment Program?

Code of Federal Regulations, 2010 CFR

2010-10-01

... Repayment Program? 62.51 Section 62.51 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN... PROGRAMS Grants for State Loan Repayment Programs § 62.51 What is the scope and purpose of the State Loan... health services in medically underserved areas. ...

5 CFR 930.208 - Administrative Law Judge Loan Program-detail to other agencies.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Administrative Law Judge Loan Program... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) PROGRAMS FOR SPECIFIC POSITIONS AND EXAMINATIONS (MISCELLANEOUS) Administrative Law Judge Program § 930.208 Administrative Law Judge Loan Program—detail to other...

5 CFR 930.208 - Administrative Law Judge Loan Program-detail to other agencies.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Administrative Law Judge Loan Program... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) PROGRAMS FOR SPECIFIC POSITIONS AND EXAMINATIONS (MISCELLANEOUS) Administrative Law Judge Program § 930.208 Administrative Law Judge Loan Program—detail to other...

5 CFR 930.208 - Administrative Law Judge Loan Program-detail to other agencies.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Administrative Law Judge Loan Program... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) PROGRAMS FOR SPECIFIC POSITIONS AND EXAMINATIONS (MISCELLANEOUS) Administrative Law Judge Program § 930.208 Administrative Law Judge Loan Program—detail to other...

5 CFR 930.208 - Administrative Law Judge Loan Program-detail to other agencies.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Administrative Law Judge Loan Program... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) PROGRAMS FOR SPECIFIC POSITIONS AND EXAMINATIONS (MISCELLANEOUS) Administrative Law Judge Program § 930.208 Administrative Law Judge Loan Program—detail to other...

5 CFR 930.208 - Administrative Law Judge Loan Program-detail to other agencies.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Administrative Law Judge Loan Program... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) PROGRAMS FOR SPECIFIC POSITIONS AND EXAMINATIONS (MISCELLANEOUS) Administrative Law Judge Program § 930.208 Administrative Law Judge Loan Program—detail to other...

13 CFR 400.209 - Funding for the Program.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Funding for the Program. 400.209 Section 400.209 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.209 Funding for the Program. The Act provides funding for...

13 CFR 400.209 - Funding for the Program.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Funding for the Program. 400.209 Section 400.209 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.209 Funding for the Program. The Act provides funding for...

13 CFR 400.209 - Funding for the Program.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Funding for the Program. 400.209 Section 400.209 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.209 Funding for the Program. The Act provides funding for...

13 CFR 400.209 - Funding for the Program.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Funding for the Program. 400.209 Section 400.209 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.209 Funding for the Program. The Act provides funding for...

13 CFR 400.209 - Funding for the Program.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Funding for the Program. 400.209 Section 400.209 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.209 Funding for the Program. The Act provides funding for...

Effectiveness of the Incentive Loan Program for Mathematics and Science Teachers--Washington State 1983-1986. Part III: Report to Washington State Legislature Incentive Loan Program for Mathematics and Science Teachers.

ERIC Educational Resources Information Center

Harder, Annie K.; And Others

The effectiveness of a loan program in providing an incentive for students to prepare for mathematics and/or science teaching in Washington State is described in this report. It is the third of a three part report to the Washington State Legislature regarding the Teacher Incentive Loan Program for Mathematics and Science. Recipients of forgiveness…

7 CFR 773.18 - Loan application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 7 2012-01-01 2012-01-01 false Loan application. 773.18 Section 773.18 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.18 Loan application. (a) A complete application will...

7 CFR 773.18 - Loan application.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 7 2014-01-01 2014-01-01 false Loan application. 773.18 Section 773.18 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.18 Loan application. (a) A complete application will...

7 CFR 773.18 - Loan application.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan application. 773.18 Section 773.18 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.18 Loan application. (a) A complete application will...

7 CFR 773.18 - Loan application.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Loan application. 773.18 Section 773.18 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.18 Loan application. (a) A complete application will...

7 CFR 773.18 - Loan application.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Loan application. 773.18 Section 773.18 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.18 Loan application. (a) A complete application will...

7 CFR 3431.15 - Qualifying loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 15 2014-01-01 2014-01-01 false Qualifying loans. 3431.15 Section 3431.15 Agriculture Regulations of the Department of Agriculture (Continued) NATIONAL INSTITUTE OF FOOD AND AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.15...

7 CFR 3431.15 - Qualifying loans.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Qualifying loans. 3431.15 Section 3431.15 Agriculture Regulations of the Department of Agriculture (Continued) NATIONAL INSTITUTE OF FOOD AND AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.15...

7 CFR 3431.15 - Qualifying loans.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Qualifying loans. 3431.15 Section 3431.15 Agriculture Regulations of the Department of Agriculture (Continued) NATIONAL INSTITUTE OF FOOD AND AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.15...

7 CFR 774.17 - Loan application.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan application. 774.17 Section 774.17 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.17 Loan application. A complete...

William D. Ford Federal Direct Loan Program. Final Regulations. Federal Register, Department of Education, 34 CFR Part 685

ERIC Educational Resources Information Center

National Archives and Records Administration, 2014

2014-01-01

The purpose of this regulatory action is to amend the regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program (§ 685.200 of title 34 of the Code of Federal Regulations (CFR)). These regulations strengthen and improve administration of the Federal Direct PLUS Loan Program authorized under title IV of the Higher Education…

42 CFR 68a.9 - What loans qualify for repayment?

Code of Federal Regulations, 2012 CFR

2012-10-01

..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) CLINICAL RESEARCH LOAN REPAYMENT PROGRAM FOR... Service Award Program, Public Health and National Health Service Corps Scholarship Training Program... and commercial educational loans obtained by participants for the following: (1) Undergraduate...

42 CFR 68a.9 - What loans qualify for repayment?

Code of Federal Regulations, 2011 CFR

2011-10-01

..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) CLINICAL RESEARCH LOAN REPAYMENT PROGRAM FOR... Service Award Program, Public Health and National Health Service Corps Scholarship Training Program... and commercial educational loans obtained by participants for the following: (1) Undergraduate...

7 CFR 1735.21 - Refinancing loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Refinancing loans. 1735.21 Section 1735.21... AGRICULTURE GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.21 Refinancing loans. (a) Hardship loans and guaranteed loans may include funds to...

Federal Student Loan Programs: Are They Meeting the Needs of Students and Schools? Hearing before the Committee on Government Reform, House of Representatives, One Hundred Ninth Congress, First Session (May 26, 2005). Serial Number 109-31

ERIC Educational Resources Information Center

US House of Representatives, 2005

2005-01-01

The Committee on Government Reform, chaired by Tom Davis (R-VA) convened this oversight hearing to examine Federal Student Loan Programs, specifically the management and performance of the Federal Family Education Loan Program and the William D. Ford Federal Direct Loan Program. The Committee focused on the Department of Education initiatives to…

7 CFR 3431.19 - Payment and tax liability.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.19 Payment and tax liability. (a) Loan...

Student War Loans Program: Final Report. Bulletin, 1946, No. 14

ERIC Educational Resources Information Center

Flynt, R. C. M.

1946-01-01

The Student War Loans Program, officially "Loans to Students in Technical and Professional Fields (National Defense)," was one of five essential wartime programs administered by the U. S. Office of Education. The Division of Higher Education administered two of these programs, namely, the Engineering, Science and Management War Training Program…

13 CFR 120.180 - Lender and CDC compliance with Loan Program Requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Lender and CDC compliance with... Program Requirements § 120.180 Lender and CDC compliance with Loan Program Requirements. Lenders must... are revised from time to time. CDCs must comply and maintain familiarity with Loan Program...

13 CFR 120.180 - Lender and CDC compliance with Loan Program Requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Lender and CDC compliance with... Program Requirements § 120.180 Lender and CDC compliance with Loan Program Requirements. Lenders must... are revised from time to time. CDCs must comply and maintain familiarity with Loan Program...

13 CFR 120.180 - Lender and CDC compliance with Loan Program Requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Lender and CDC compliance with... Program Requirements § 120.180 Lender and CDC compliance with Loan Program Requirements. Lenders must... are revised from time to time. CDCs must comply and maintain familiarity with Loan Program...

13 CFR 120.180 - Lender and CDC compliance with Loan Program Requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Lender and CDC compliance with... Program Requirements § 120.180 Lender and CDC compliance with Loan Program Requirements. Lenders must... are revised from time to time. CDCs must comply and maintain familiarity with Loan Program...

13 CFR 120.180 - Lender and CDC compliance with Loan Program Requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Lender and CDC compliance with... Program Requirements § 120.180 Lender and CDC compliance with Loan Program Requirements. Lenders must... are revised from time to time. CDCs must comply and maintain familiarity with Loan Program...

Survey on New Perkins Loan Proposal: NASFAA Survey Results Show Most Schools Oppose Proposed Perkins Loan Changes. Quick Scan Survey Results

ERIC Educational Resources Information Center

National Association of Student Financial Aid Administrators (NJ1), 2009

2009-01-01

More than three-quarters of postsecondary institutions (79 percent) would prefer expanding the current Perkins Loan program rather than replacing it with the Direct Perkins Loan program being proposed in Congress, according to a recent survey of NASFAA-member schools. In fact, increasing unsubsidized Stafford Loan limits (80 percent) and lowering…

7 CFR 1951.871 - Post award requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... regulations, the loan agreement, the approved work program, security interests, and other conditions which Fm... programs must maintain separate ledgers and segregated accounts for RDLF funds at all times. (d) Reporting... such loan. (f) All loan payments that are due on RDLF loans will be made payable to the Farmers Home...

7 CFR 773.21 - Loan decision, closing, and fees.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision, closing, and fees. 773.21 Section 773.21 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and...

7 CFR 773.21 - Loan decision, closing, and fees.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 7 2014-01-01 2014-01-01 false Loan decision, closing, and fees. 773.21 Section 773.21 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and...

7 CFR 773.21 - Loan decision, closing, and fees.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 7 2013-01-01 2013-01-01 false Loan decision, closing, and fees. 773.21 Section 773.21 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and...

7 CFR 773.21 - Loan decision, closing, and fees.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Loan decision, closing, and fees. 773.21 Section 773.21 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and...

7 CFR 773.21 - Loan decision, closing, and fees.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 7 2012-01-01 2012-01-01 false Loan decision, closing, and fees. 773.21 Section 773.21 Agriculture Regulations of the Department of Agriculture (Continued) FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and...

12 CFR 614.4530 - Special loans, production credit associations and agricultural credit associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Special Lending Programs § 614.4530 Special loans, production credit associations and agricultural credit associations. Under policies approved by the bank... associations may make the following special types of loans on commodities covered by price support programs...

Guide to Direct Consolidation Loans.

ERIC Educational Resources Information Center

Department of Education, Washington, DC.

Intended for financial aid counselors, this document provides guidelines to the Federal Direct Consolidation Loan Program for borrowers who are in school, as well as those in repayment, or in default. An introductory section explains the basics of the consolidated loan program, loan categories, and interest rates. Next, standards for borrower…

34 CFR 682.508 - Assignment of a loan.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Assignment of a loan. 682.508 Section 682.508 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs...

77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-17

... cohorts. Chart 1--Summary of the Proposed Regulations Issue and key features Benefits Cost/transfers... focus on issues related to streamlining institutional reporting requirements and proposed regulations... committee (the ``Loans Committee'') would address Federal student loan issues. The regulations considered by...

75 FR 33704 - Loan Guaranty: Elimination of Redundant Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-15

... budgetary impact of entitlements, grants, user fees, or loan programs or the rights and obligations of..., Handicapped, Housing, Indians, Individuals with disabilities, Loan programs--housing and community development...

7 CFR 772.1 - Policy.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Policy. 772.1 Section 772.1 Agriculture Regulations of... PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.1 Policy. (a) Purpose. This part contains the Agency's policies and procedures for servicing Minor Program loans which include: Grazing Association loans...

7 CFR 1955.51 - Purpose.

Code of Federal Regulations, 2011 CFR

2011-01-01

... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE (CONTINUED) PROGRAM...-Cooperative Service (RBS) andherein referred to as “Agency.” This subpart does not apply to Farm Service Agency, Farm Loan Programs, or to RHS single family housing loans or community program loans sold without...

76 FR 31312 - Federal Family Education Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-31

... DEPARTMENT OF EDUCATION Federal Family Education Loan Program AGENCY: Federal Student Aid, Department of Education. ACTION: Notice inviting guaranty agencies to submit proposals to participate in a... participate in the Federal Family Education Loan (FFEL) Program to submit proposals to enter into a Voluntary...

34 CFR 673.7 - Administrative cost allowance.

Code of Federal Regulations, 2011 CFR

2011-07-01

... EDUCATION, DEPARTMENT OF EDUCATION GENERAL PROVISIONS FOR THE FEDERAL PERKINS LOAN PROGRAM, FEDERAL WORK... Federal Perkins Loan, FWS, and FSEOG Programs § 673.7 Administrative cost allowance. (a) An institution participating in the Federal Perkins Loan, FWS, or FSEOG programs is entitled to an administrative cost...

34 CFR 673.7 - Administrative cost allowance.

Code of Federal Regulations, 2010 CFR

2010-07-01

... EDUCATION, DEPARTMENT OF EDUCATION GENERAL PROVISIONS FOR THE FEDERAL PERKINS LOAN PROGRAM, FEDERAL WORK... Federal Perkins Loan, FWS, and FSEOG Programs § 673.7 Administrative cost allowance. (a) An institution participating in the Federal Perkins Loan, FWS, or FSEOG programs is entitled to an administrative cost...

7 CFR 2201.25 - Performance Agreement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Performance Agreement. 2201.25 Section 2201.25... LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.25 Performance Agreement. (a) The Borrower of a Loan guaranteed under the Program shall enter into a Performance Agreement...

7 CFR 2201.25 - Performance Agreement.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 15 2012-01-01 2012-01-01 false Performance Agreement. 2201.25 Section 2201.25... LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.25 Performance Agreement. (a) The Borrower of a Loan guaranteed under the Program shall enter into a Performance Agreement...

7 CFR 2201.25 - Performance Agreement.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 15 2013-01-01 2013-01-01 false Performance Agreement. 2201.25 Section 2201.25... LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.25 Performance Agreement. (a) The Borrower of a Loan guaranteed under the Program shall enter into a Performance Agreement...

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

Code of Federal Regulations, 2012 CFR

2012-07-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

Code of Federal Regulations, 2013 CFR

2013-07-01

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

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

Code of Federal Regulations, 2011 CFR

2011-07-01

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

Forgiveness: Letting Go of Grudges and Bitterness

MedlinePlus

... Forgiveness can even lead to feelings of understanding, empathy and compassion for the one who hurt you. ... admit wrong. If you find yourself stuck: Practice empathy. Try seeing the situation from the other person's ...

Hope, anger, and depression as mediators for forgiveness and social behavior in Turkish children.

PubMed

Taysi, Ebru; Curun, Ferzan; Orcan, Fatih

2015-01-01

This study examined the mediating effects of hope, anger, and depression in the associations between forgiveness and social behavior, in fourth grade students in Turkey. The 352 fourth grade primary school students were involved in the study. The average age was 9.98 and 56.3% were boys. The Enright Forgiveness Inventory for Children (EFI-C), the Beck Anger Inventory for Youth (BANI-Y), the Children Hope Scale (CHS), the Social Behavior Questionnaire (SBQ), and the Children's Depression Inventory (CDI) were used. Results showed that depression mediates the relationship between anger and antisocial behavior and between hope and antisocial behavior. Anger mediates the relationship between hope and depression and between hope and antisocial behavior. Forgiveness was related to anger and hope directly. Implications of this study for child counseling were discussed.

Examining Trust, Forgiveness and Regret as Computational Concepts

NASA Astrophysics Data System (ADS)

Marsh, Stephen; Briggs, Pamela

The study of trust has advanced tremendously in recent years, to the extent that the goal of a more unified formalisation of the concept is becoming feasible. To that end, we have begun to examine the closely related concepts of regret and forgiveness and their relationship to trust and its siblings. The resultant formalisation allows computational tractability in, for instance, artificial agents. Moreover, regret and forgiveness, when allied to trust, are very powerful tools in the Ambient Intelligence (AmI) security area, especially where Human Computer Interaction and concrete human understanding are key. This paper introduces the concepts of regret and forgiveness, exploring them from social psychological as well as a computational viewpoint, and presents an extension to Marsh's original trust formalisation that takes them into account. It discusses and explores work in the AmI environment, and further potential applications.

Teaching Spiritual Themes to African American Children: A Picture Book Approach

ERIC Educational Resources Information Center

Harris, Demetrius B.

2017-01-01

"Teaching Spiritual Themes to African American Children: A Picture Book Approach" is a research project that used picture books to teach the four spiritual themes, 1.) love, 2.) forgiveness, 3.) kindness, and 4.) perseverance. This project was conducted in an after school program at Fifth Baptist Church, on Cary St. in Richmond, VA. The…

34 CFR 674.40 - Treatment of loan repayments where cancellation, loan repayments, and minimum monthly repayments...

Code of Federal Regulations, 2011 CFR

2011-07-01

... FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.40 Treatment of loan repayments where cancellation, loan... by a postponement. (b) If a borrower has received Defense, NDSL, and Perkins loans and only one can...

34 CFR 674.40 - Treatment of loan repayments where cancellation, loan repayments, and minimum monthly repayments...

Code of Federal Regulations, 2010 CFR

2010-07-01

... FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.40 Treatment of loan repayments where cancellation, loan... by a postponement. (b) If a borrower has received Defense, NDSL, and Perkins loans and only one can...

34 CFR 674.52 - Cancellation procedures.

Code of Federal Regulations, 2011 CFR

2011-07-01

... EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation § 674.52 Cancellation... loan. (d) Concurrent deferment period. The Secretary considers a Perkins Loan, NDSL or Defense Loan...

7 CFR 772.6 - Subordination of security.

Code of Federal Regulations, 2010 CFR

2010-01-01

... AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.6 Subordination of security. (a) Eligibility. The Agency shall grant a subordination of Minor Program loan security when the transaction will... still be adequately secured after the subordination, or the value of the loan security will be increased...

75 FR 27949 - Single Family Housing Guaranteed Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2010-05-19

... Part 1980 RIN 0575-AC83 Single Family Housing Guaranteed Loan Program AGENCY: Rural Housing Service... Family Housing Guaranteed Loan Program (SFHGLP) regulation. This action is taken to achieve savings for... to the Branch Chief, Regulations and Paperwork Management Branch, U.S. Department of Agriculture...

77 FR 54839 - Energy Efficiency and Conservation Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-06

... CFR Parts 1710, 1717, 1721, 1724, and 1730 RIN 0572-AC19 Energy Efficiency and Conservation Loan..., proposing policies and procedures for loan and guarantee financial assistance in support of energy efficiency programs (EE Programs) sponsored and implemented by electric utilities for the benefit of rural...

42 CFR 68c.9 - What loans qualify for repayment?

Code of Federal Regulations, 2011 CFR

2011-10-01

... Program, Public Health and National Health Service Corps Scholarship Training Program, National Health..., INTERNSHIPS, TRAINING NATIONAL INSTITUTE OF CHILD HEALTH AND HUMAN DEVELOPMENT CONTRACEPTION AND INFERTILITY RESEARCH LOAN REPAYMENT PROGRAM § 68c.9 What loans qualify for repayment? (a) The CIR-LRP will repay...

42 CFR 68c.9 - What loans qualify for repayment?

Code of Federal Regulations, 2012 CFR

2012-10-01

... Program, Public Health and National Health Service Corps Scholarship Training Program, National Health..., INTERNSHIPS, TRAINING NATIONAL INSTITUTE OF CHILD HEALTH AND HUMAN DEVELOPMENT CONTRACEPTION AND INFERTILITY RESEARCH LOAN REPAYMENT PROGRAM § 68c.9 What loans qualify for repayment? (a) The CIR-LRP will repay...

Direct Loan Training Trainee Guide.

ERIC Educational Resources Information Center

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

This training guide describes the provisions of the Federal Direct Student Loan Program, identifies the functions of the different partners in the program, and explains the responsibilities of participating schools. Topics covered include an overview of the participants and the program's operation; determining of eligibility and loan amount;…

Costs and Policy Options for Federal Student Loan Programs. A CBO Study

ERIC Educational Resources Information Center

Lucas, Deborah; Moore, Damien

2010-01-01

The Department of Education oversees various programs to help students pay for the costs of postsecondary education. This Congressional Budget Office (CBO) study focuses on the two largest student loan programs created under the authority of the Higher Education Act of 1965 (as amended): (1) The Federal Family Education Loan (FFEL) program, which…

The association between well-being and the COMT gene: Dispositional gratitude and forgiveness as mediators.

PubMed

Liu, Jinting; Gong, Pingyuan; Gao, Xiaoxue; Zhou, Xiaolin

2017-05-01

Previous studies have demonstrated the contributions of genetic variants and positive psychological traits (e.g. gratitude and forgiveness) to well-being. However, little is known about how genes interact with positive traits to affect well-being. To investigate to what extent the COMT Val158Met polymorphism modulates well-being and to what extent dispositional gratitude and forgiveness mediate the individual differences in well-being, 445 participants were recruited and required to complete a battery of questionnaires. We found that individuals with a smaller number of the Met alleles reported greater well-being, less depressive symptoms, and greater tendencies for gratitude and forgiveness. Moreover, dispositional gratitude and forgiveness mediated the genotype effects on well-being and depressive symptoms. These results remained significant after controlling for non-genetic factors (socioeconomic status, religious beliefs, romantic relationship status, parenting style). The sample size limits the generalizability of results. This study demonstrates the contribution of the COMT Val158Met polymorphism to individual differences in well-being and suggests a potential psychobiological pathway from dopaminergic and noradrenergic systems to happiness. Copyright © 2017 Elsevier B.V. All rights reserved.

Trauma, forgiveness and the witnessing dance: making public spaces intimate.

PubMed

Gobodo-Madikizela, Pumla

2008-04-01

In this paper I explore the concept of forgiveness as a response to gross human rights violations. I present a conceptual examination of the effects of massive trauma in relation to what I refer to as the 'unfinished business' of trauma. Using a psychoanalytic framework, I consider the process of 'bearing witness' about trauma and examine how this process opens up the possibility of reciprocal expressions of empathy between victim and perpetrator. I then argue that, in this context of trauma testimony and witnessing, empathy is essential for the development of remorse on the part of perpetrators, and of forgiveness on the part of victims. Using a case study from South Africa's Truth and Reconciliation Commission (TRC) I clarify the relationship between empathy and forgiveness, and show how the restorative model of the TRC can open up an ethical space and create the possibility of transformation for victims, perpetrators and bystanders. In my conclusion I suggest that forgiveness in politics is the only action that holds promise for the repair of brokenness in post-conflict societies, particularly if, as in South Africa, victims have to live together with perpetrators and beneficiaries in the same country.

Acting on social exclusion: neural correlates of punishment and forgiveness of excluders

PubMed Central

Crone, Eveline A.; Güroğlu, Berna

2015-01-01

This functional magnetic resonance imaging study examined the neural correlates of punishment and forgiveness of initiators of social exclusion (i.e. ‘excluders’). Participants divided money in a modified Dictator Game between themselves and people who previously either included or excluded them during a virtual ball-tossing game (Cyberball). Participants selectively punished the excluders by decreasing their outcomes; even when this required participants to give up monetary rewards. Punishment of excluders was associated with increased activation in the pre-supplementary motor area (pre-SMA) and bilateral anterior insula. Costly punishment was accompanied by higher activity in the pre-SMA compared with punishment that resulted in gains or was non-costly. Refraining from punishment (i.e. forgiveness) was associated with self-reported perspective-taking and increased activation in the bilateral temporoparietal junction, dorsomedial prefrontal cortex, dorsal anterior cingulate cortex, and ventrolateral and dorsolateral prefrontal cortex. These findings show that social exclusion can result in punishment as well as forgiveness of excluders and that separable neural networks implicated in social cognition and cognitive control are recruited when people choose either to punish or to forgive those who excluded them. PMID:24652858

Acting on social exclusion: neural correlates of punishment and forgiveness of excluders.

PubMed

Will, Geert-Jan; Crone, Eveline A; Güroğlu, Berna

2015-02-01

This functional magnetic resonance imaging study examined the neural correlates of punishment and forgiveness of initiators of social exclusion (i.e. 'excluders'). Participants divided money in a modified Dictator Game between themselves and people who previously either included or excluded them during a virtual ball-tossing game (Cyberball). Participants selectively punished the excluders by decreasing their outcomes; even when this required participants to give up monetary rewards. Punishment of excluders was associated with increased activation in the pre-supplementary motor area (pre-SMA) and bilateral anterior insula. Costly punishment was accompanied by higher activity in the pre-SMA compared with punishment that resulted in gains or was non-costly. Refraining from punishment (i.e. forgiveness) was associated with self-reported perspective-taking and increased activation in the bilateral temporoparietal junction, dorsomedial prefrontal cortex, dorsal anterior cingulate cortex, and ventrolateral and dorsolateral prefrontal cortex. These findings show that social exclusion can result in punishment as well as forgiveness of excluders and that separable neural networks implicated in social cognition and cognitive control are recruited when people choose either to punish or to forgive those who excluded them. © The Author (2014). Published by Oxford University Press. For Permissions, please email: journals.permissions@oup.com.

7 CFR 761.9 - Interest rates for direct loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

13 CFR 120.391 - What is the Builders Loan Program?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...

13 CFR 120.391 - What is the Builders Loan Program?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...

13 CFR 120.391 - What is the Builders Loan Program?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...

13 CFR 120.391 - What is the Builders Loan Program?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...

7 CFR 761.203 - National reserves for Farm Ownership and Operating loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Farm Loan Programs Funds to State Offices § 761.203 National reserves for Farm Ownership and Operating loans. (a) Reservation of funds. At the start of each fiscal year, the National Office reserves a portion of the funds available for each direct and guaranteed loan program. These reserves enable the...

13 CFR 120.391 - What is the Builders Loan Program?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...

Entrance Counseling Guide for Direct Loan Borrowers

ERIC Educational Resources Information Center

Federal Student Aid, US Department of Education, 2010

2010-01-01

This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…

Selling an Energy Efficiency Loan Portfolio in Oregon: Resale of the Craft3 loan portfolio to Self-Help Credit Union

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

Thompson, Peter; Borgeson, Merrian; Kramer, Chris

Under the Clean Energy Works (CEW) program, Craft3 developed a loan product that widened access to financing for homeowners, offered long term funding, and collected repayments through the customer?s utility bill. The program?s success led Craft3 to pursue the sale of the loan portfolio to both mitigate its own risks and replenish funds for lending. This sale breaks new ground for energy efficiency finance and is notable as it was completed even with many novel program design elements. It replenished Craft3?s program capital and uncovered some valuable lessons that may facilitate future transactions. However, the lack of data history andmore » the unproven nature of the loan portfolio meant that Craft3 had to limit the risk of losses to Self-Help, the purchaser of the portfolio. It remains to be seen whether this experience will pave the way for more sales of on-bill energy efficiency loan portfolios. This case study illustrates how certain program design decisions can sometimes both facilitate programmatic objectives and possibly present challenges for the sale of a portfolio of energy efficiency loans.« less

7 CFR 764.53 - Processing the complete application.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Application Process § 764.53 Processing... loan assistance under the market placement program in accordance with § 762.110(g) of this chapter. (e...

Vermont | Midmarket Solar Policies in the United State | Solar Research |

Science.gov Websites

/Agricultural Energy Loan Program Vermont Economic Development Authority Maximum loan of $2 million may be Development Authority: Agricultural Energy Loan Program Vermont Economic Development Authority: Small Business

78 FR 63464 - William D. Ford Federal Direct Loan Program Repayment Plan Selection Form; Extension of Public...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-24

... DEPARTMENT OF EDUCATION William D. Ford Federal Direct Loan Program Repayment Plan Selection Form; Extension of Public Comment Period; Correction AGENCY: Department of Education. ACTION: Correction notice... entitled, ``William D. Ford Federal Direct Loan Program Repayment Plan Selection Form''. ED is extending...

78 FR 77136 - Agency Information Collection Activities: Proposed Collection: Public Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-20

.... Information Collection Request Title: NURSE Corps Loan Repayment Program OMB No. 0915-0140--Revision Abstract: The NURSE Corps Loan Repayment Program (NURSE Corps LRP), formerly known as the Nursing Education Loan Repayment Program (NELRP), assists in the recruitment and retention of professional Registered Nurses (RNs...

Vulnerabilities in the Stafford Student Loan Program.

ERIC Educational Resources Information Center

Thompson, Lawrence H.

This testimony before the House Subcommittee on Postsecondary Education addresses the need for improving student financial aid programs administered by the Department of Education, and in particular, the Stafford Student Loan Programs. The testimony begins with a brief review of the default problems involving student loans. Next, an examination is…

76 FR 22913 - Notice of Proposed Information Collection: Comment Request; Emergency Homeowners' Loan Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-25

... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5484-N-13] Notice of Proposed Information Collection: Comment Request; Emergency Homeowners' Loan Program Data Elements AGENCY: Office of... information: Title of Proposal: Emergency Homeowners' Loan Program Data Elements. OMB Control Number, if...

34 CFR 674.18 - Use of funds.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.18 Use of funds. (a) General. An institution shall deposit the funds it receives under the Federal Perkins Loan program into its... supplemental Federal Perkins Loan allocations for an award year to the Federal Work-Study program or Federal...

34 CFR 674.1 - Purpose and identification of common provisions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.1 Purpose and identification of common provisions. (a) The Federal Perkins Loan Program provides low-interest... educational costs. (b)(1) The Federal Perkins Loan Program, authorized by title IV-E of the Higher Education...

34 CFR 674.18 - Use of funds.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.18 Use of funds. (a) General. An institution shall deposit the funds it receives under the Federal Perkins Loan program into its... supplemental Federal Perkins Loan allocations for an award year to the Federal Work-Study program or Federal...

34 CFR 674.1 - Purpose and identification of common provisions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.1 Purpose and identification of common provisions. (a) The Federal Perkins Loan Program provides low-interest... educational costs. (b)(1) The Federal Perkins Loan Program, authorized by title IV-E of the Higher Education...

7 CFR 1700.57 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Distance Learning and Telemedicine Loan and Grant Program. 1700.57 Section 1700.57 Agriculture Regulations of the Department of Agriculture (Continued... Authorities § 1700.57 Distance Learning and Telemedicine Loan and Grant Program. (a) Administrator: The...

7 CFR 1700.57 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 11 2011-01-01 2011-01-01 false Distance Learning and Telemedicine Loan and Grant Program. 1700.57 Section 1700.57 Agriculture Regulations of the Department of Agriculture (Continued... Authorities § 1700.57 Distance Learning and Telemedicine Loan and Grant Program. (a) Administrator: The...

7 CFR 1700.57 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 7 Agriculture 11 2012-01-01 2012-01-01 false Distance Learning and Telemedicine Loan and Grant Program. 1700.57 Section 1700.57 Agriculture Regulations of the Department of Agriculture (Continued... Authorities § 1700.57 Distance Learning and Telemedicine Loan and Grant Program. (a) Administrator: The...

7 CFR 1700.57 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 7 Agriculture 11 2013-01-01 2013-01-01 false Distance Learning and Telemedicine Loan and Grant Program. 1700.57 Section 1700.57 Agriculture Regulations of the Department of Agriculture (Continued... Authorities § 1700.57 Distance Learning and Telemedicine Loan and Grant Program. (a) Administrator: The...

7 CFR 1700.57 - Distance Learning and Telemedicine Loan and Grant Program.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 7 Agriculture 11 2014-01-01 2014-01-01 false Distance Learning and Telemedicine Loan and Grant Program. 1700.57 Section 1700.57 Agriculture Regulations of the Department of Agriculture (Continued... Authorities § 1700.57 Distance Learning and Telemedicine Loan and Grant Program. (a) Administrator: The...

77 FR 67330 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-09

... Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY... administration of the Veterinary Medicine Loan Repayment Program (VMLRP) authorized under section 1415A of the... agreement, veterinary services in veterinarian shortage situations. As part of the stakeholder input process...

76 FR 68126 - Solicitation of Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-03

... Input From Stakeholders Regarding the Veterinary Medicine Loan Repayment Program (VMLRP) AGENCY... administration of the Veterinary Medicine Loan Repayment Program (VMLRP) authorized under section 1415A of the... agreement, veterinary services in veterinarian shortage situations. As part of the stakeholder input process...

5 CFR 1655.14 - Loan payments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...

7 CFR 1735.32 - Guaranteed loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Guaranteed loans. 1735.32 Section 1735.32 Agriculture... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Types of Loans § 1735.32 Guaranteed loans. (a) General. Loan guarantees under this section will be considered for only those borrowers...

13 CFR 120.1701 - Program purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

... facilitate the sale of such loans and increase the liquidity of the lenders holding the loans so that the lenders can use the sale proceeds to fund more such loans. The Program's authorization expires on February...

Financial Audit: Guaranteed Student Loan Program's Internal Controls and Structure Need Improvement. Report to the Congress.

ERIC Educational Resources Information Center

Wurtz, Donald R.; And Others

An evaluative study was done of the Department of Education's system of internal accounting controls over the Federal Family Education Loan Program, known as the guaranteed student loan program. The study evaluated internal control systems, the structure of the program with respect to the role of guaranty agencies, and the Department's ability to…

Apology and forgiveness evolve to resolve failures in cooperative agreements.

PubMed

Martinez-Vaquero, Luis A; Han, The Anh; Pereira, Luís Moniz; Lenaerts, Tom

2015-06-09

Making agreements on how to behave has been shown to be an evolutionarily viable strategy in one-shot social dilemmas. However, in many situations agreements aim to establish long-term mutually beneficial interactions. Our analytical and numerical results reveal for the first time under which conditions revenge, apology and forgiveness can evolve and deal with mistakes within ongoing agreements in the context of the Iterated Prisoners Dilemma. We show that, when the agreement fails, participants prefer to take revenge by defecting in the subsisting encounters. Incorporating costly apology and forgiveness reveals that, even when mistakes are frequent, there exists a sincerity threshold for which mistakes will not lead to the destruction of the agreement, inducing even higher levels of cooperation. In short, even when to err is human, revenge, apology and forgiveness are evolutionarily viable strategies which play an important role in inducing cooperation in repeated dilemmas.

Apology and forgiveness evolve to resolve failures in cooperative agreements

PubMed Central

Martinez-Vaquero, Luis A.; Han, The Anh; Pereira, Luís Moniz; Lenaerts, Tom

2015-01-01

Making agreements on how to behave has been shown to be an evolutionarily viable strategy in one-shot social dilemmas. However, in many situations agreements aim to establish long-term mutually beneficial interactions. Our analytical and numerical results reveal for the first time under which conditions revenge, apology and forgiveness can evolve and deal with mistakes within ongoing agreements in the context of the Iterated Prisoners Dilemma. We show that, when the agreement fails, participants prefer to take revenge by defecting in the subsisting encounters. Incorporating costly apology and forgiveness reveals that, even when mistakes are frequent, there exists a sincerity threshold for which mistakes will not lead to the destruction of the agreement, inducing even higher levels of cooperation. In short, even when to err is human, revenge, apology and forgiveness are evolutionarily viable strategies which play an important role in inducing cooperation in repeated dilemmas. PMID:26057819

Assessing the Relationships Among Forgiveness by God, God Images, and Death Anxiety.

PubMed

Krause, Neal; Hill, Peter C

2018-01-01

Previous research suggests that people who feel forgiven by God may experience lower levels of death anxiety. The purpose of the current study is to contribute to this work by assessing whether the relationship between forgiveness by God and death anxiety varies according to how people view God. Three images of God are assessed: a pantheistic view of God, a theistic view of God, and a deistic view of God. Data from nationwide survey that was conducted in 2014 ( N = 2,650) suggest that the relationship between forgiveness by God and death anxiety is strongest among people with a theistic view of God, significantly weaker among people with a pantheistic view of God, and not significant among individuals with a deistic view of God. The findings point to the importance of taking views of God into account when assessing the relationship between forgiveness by God and death anxiety.

Forgiveness and Consideration of Future Consequences in Aggressive Driving

PubMed Central

Moore, Michael; Dahlen, Eric R.

2008-01-01

Most research on aggressive driving has focused on identifying aspects of driver personality which will exacerbate it (e.g., sensation seeking, impulsiveness, driving anger, etc.). The present study was designed to examine two theoretically relevant but previously unexplored personality factors predicted to reduce the risk of aggressive driving: trait forgiveness and consideration of future consequences. The utility of these variables in predicting aggressive driving and driving anger expression was evaluated among 316 college student volunteers. Hierarchical multiple regressions permitted an analysis of the incremental validity of these constructs beyond respondent gender, age, miles driven per week, and driving anger. Both forgiveness and consideration of future consequences contributed to the prediction of aggressive driving and driving anger expression, independent of driving anger. Research on aggressive driving may be enhanced by greater attention to adaptive, potentially risk-reducing traits. Moreover, forgiveness and consideration of future consequences may have implications for accident prevention. PMID:18760093

7 CFR 1436.7 - Loan term.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN PROGRAM REGULATIONS § 1436.7 Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7...

13 CFR 500.202 - Loan amount.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 500.202 Section 500.202 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.202 Loan amount. The aggregate amount of loan...

7 CFR 764.401 - Loan decision.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision. 764.401 Section 764.401 Agriculture... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.401 Loan decision. (a) Loan approval. (1) The Agency will approve a loan only if it determines that: (i) The applicant's farm operating...

13 CFR 120.882 - Eligible Project costs for 504 loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

... loans. 120.882 Section 120.882 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.882 Eligible Project costs for 504 loans. Eligible Project costs which may be paid with the proceeds of 504...

13 CFR 120.882 - Eligible Project costs for 504 loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... loans. 120.882 Section 120.882 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.882 Eligible Project costs for 504 loans. Eligible Project costs which may be paid with the proceeds of 504...

13 CFR 109.410 - Loan limits-loans to Eligible Small Business Concerns.

Code of Federal Regulations, 2012 CFR

2012-01-01

... ADMINISTRATION INTERMEDIARY LENDING PILOT PROGRAM Requirements for ILP Intermediary Loans to Small Businesses § 109.410 Loan limits—loans to Eligible Small Business Concerns. No small business (including Affiliates... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Loan limits-loans to Eligible...

13 CFR 109.410 - Loan limits-loans to Eligible Small Business Concerns.

Code of Federal Regulations, 2014 CFR

2014-01-01

... ADMINISTRATION INTERMEDIARY LENDING PILOT PROGRAM Requirements for ILP Intermediary Loans to Small Businesses § 109.410 Loan limits—loans to Eligible Small Business Concerns. No small business (including Affiliates... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Loan limits-loans to Eligible...

13 CFR 120.882 - Eligible Project costs for 504 loans.

Code of Federal Regulations, 2013 CFR

2013-01-01

... loans. 120.882 Section 120.882 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.882 Eligible Project costs for 504 loans. Eligible Project costs which may be paid with the proceeds of 504...

13 CFR 109.410 - Loan limits-loans to Eligible Small Business Concerns.

Code of Federal Regulations, 2013 CFR

2013-01-01

... ADMINISTRATION INTERMEDIARY LENDING PILOT PROGRAM Requirements for ILP Intermediary Loans to Small Businesses § 109.410 Loan limits—loans to Eligible Small Business Concerns. No small business (including Affiliates... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Loan limits-loans to Eligible...

13 CFR 120.882 - Eligible Project costs for 504 loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... loans. 120.882 Section 120.882 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.882 Eligible Project costs for 504 loans. Eligible Project costs which may be paid with the proceeds of 504...

77 FR 58819 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-24

... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford... William D. Ford Federal Direct Loan Program will use this form to request forbearance on their loans when... of Collection: William D. Ford Federal Direct Loan Program General Forbearance Request. OMB Control...

48 CFR 846.472 - Inspection of repairs for properties under the Loan Guaranty and Direct Loan Programs.

Code of Federal Regulations, 2010 CFR

2010-10-01

... Regulations System DEPARTMENT OF VETERANS AFFAIRS CONTRACT MANAGEMENT QUALITY ASSURANCE Government Contract Quality Assurance 846.472 Inspection of repairs for properties under the Loan Guaranty and Direct Loan Programs. As provided in 846.472-1 and 846.472-2, management brokers or qualified fee or staff inspectors...

76 FR 18375 - Small Business Jobs Act: Eligible Loans for 504 Loan Program Debt Refinancing

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-04

... SMALL BUSINESS ADMINISTRATION 13 CFR Part 120 Small Business Jobs Act: Eligible Loans for 504 Loan... for debt refinancing under the Small Business Jobs Act. DATES: Effective Date: This document is... refinancing program authorized by the Small Business Jobs Act (Jobs Act), Public Law 111-240, 124 Stat. 2504...

75 FR 22736 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-30

... (RFA) at http://www.nifa.usda.gov/vmlrp . DATES: The FY 2010 Veterinary Medicine Loan Repayment Program (VMLRP) application package has been made available at http://www.nifa.usda.gov/vmlrp and applications... http://www.nslds.ed.gov . Individuals who consolidated their DVM loans with non-educational loans or...

Direct Loans: A Better Way To Borrow. William D. Ford Federal Direct Loan Program.

ERIC Educational Resources Information Center

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

The Web site http://www.ed.gov/DirectLoan/ provides information on the William D. Ford Federal Direct Loan Program for both professionals and borrowers. For professionals, it provides information on conferences, promissory notes, regulations, laws, and relevant links, as well as technical assistance, and other publications and guides. For…

42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 42 Public Health 2 2012-10-01 2012-10-01 false Collection of past-due amounts on scholarship and... Suspension of Payment, Recovery of Overpayments, and Repayment of Scholarships and Loans Repayment of Scholarships and Loans § 405.380 Collection of past-due amounts on scholarship and loan programs. (a) Basis and...

42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 42 Public Health 2 2011-10-01 2011-10-01 false Collection of past-due amounts on scholarship and... Suspension of Payment, Recovery of Overpayments, and Repayment of Scholarships and Loans Repayment of Scholarships and Loans § 405.380 Collection of past-due amounts on scholarship and loan programs. (a) Basis and...

42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 2 2010-10-01 2010-10-01 false Collection of past-due amounts on scholarship and... Suspension of Payment, Recovery of Overpayments, and Repayment of Scholarships and Loans Repayment of Scholarships and Loans § 405.380 Collection of past-due amounts on scholarship and loan programs. (a) Basis and...

42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 42 Public Health 2 2014-10-01 2014-10-01 false Collection of past-due amounts on scholarship and... Suspension of Payment, Recovery of Overpayments, and Repayment of Scholarships and Loans Repayment of Scholarships and Loans § 405.380 Collection of past-due amounts on scholarship and loan programs. (a) Basis and...

42 CFR 405.380 - Collection of past-due amounts on scholarship and loan programs.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 42 Public Health 2 2013-10-01 2013-10-01 false Collection of past-due amounts on scholarship and... Suspension of Payment, Recovery of Overpayments, and Repayment of Scholarships and Loans Repayment of Scholarships and Loans § 405.380 Collection of past-due amounts on scholarship and loan programs. (a) Basis and...

An Initial Econometric Consideration of Supply and Demand in the Guaranteed Student Loan Program.

ERIC Educational Resources Information Center

Bayus, Barry; Kendis, Kurt

1982-01-01

In this econometric model of the Guaranteed Student Loan Program (GSLP), supply is related to banks' liquidity and yield curves, all lenders' economic costs and returns, and Student Loan Marketing Association activity. GSLP demand is based on loan costs, family debt position, and net student need for financial aid. (RW)

Educational debt: does it have an influence on initial job location and specialty choice?

PubMed

Snyder, Jennifer; Nehrenz, Guy; Danielsen, Randy; Pedersen, Donald

2014-01-01

This study applied a quantitative design and analyzed the impact of educational debt on initial specialty and location choices for physician assistant (PA) graduates in Indiana. PAs who graduated between January 1, 2000, and December 31, 2010, and actively practice in Indiana were surveyed. Descriptive statistics and chi-square analyses were performed to determine whether any significant relationships existed among practice specialty, location, and gender. 157 participants (33%) responded to the survey and were considered in the final analysis. Males were more likely than females to be influenced by debt in choosing their specialty and the location of their initial job. A majority of PAs would have reconsidered rural practice if they had received federal and or state loan forgiveness for educational debt. This study provides evidence that debt may influence practice specialty and location choice. Further studies are needed to determine how gender might account for decisions to practice in certain specialties and location.

7 CFR 1783.16 - How will the loans given from the revolving fund be serviced?

Code of Federal Regulations, 2010 CFR

2010-01-01

...) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) REVOLVING FUNDS FOR FINANCING WATER AND WASTEWATER PROJECTS (REVOLVING FUND PROGRAM) Revolving Fund Program Loans § 1783.16 How will the loans given...