Sample records for qualified education loans

  1. 26 CFR 1.221-1 - Deduction for interest paid on qualified education loans after December 31, 2001.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... § 1.163-7, original issue discount on a qualified education loan is not deductible until paid. See... education loans after December 31, 2001. 1.221-1 Section 1.221-1 Internal Revenue INTERNAL REVENUE SERVICE... Deductions for Individuals § 1.221-1 Deduction for interest paid on qualified education loans after December...

  2. 26 CFR 1.221-1 - Deduction for interest paid on qualified education loans after December 31, 2001.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... § 1.163-7, original issue discount on a qualified education loan is not deductible until paid. See... education loans after December 31, 2001. 1.221-1 Section 1.221-1 Internal Revenue INTERNAL REVENUE SERVICE... Deductions for Individuals § 1.221-1 Deduction for interest paid on qualified education loans after December...

  3. 26 CFR 1.221-1 - Deduction for interest paid on qualified education loans after December 31, 2001.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... § 1.163-7, original issue discount on a qualified education loan is not deductible until paid. See... education loans after December 31, 2001. 1.221-1 Section 1.221-1 Internal Revenue INTERNAL REVENUE SERVICE... Deductions for Individuals § 1.221-1 Deduction for interest paid on qualified education loans after December...

  4. 26 CFR 1.221-2 - Deduction for interest due and paid on qualified education loans before January 1, 2002.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... under section 163(e) and § 1.163-7, original issue discount on a qualified education loan is not... education loans before January 1, 2002. 1.221-2 Section 1.221-2 Internal Revenue INTERNAL REVENUE SERVICE... Deductions for Individuals § 1.221-2 Deduction for interest due and paid on qualified education loans before...

  5. 26 CFR 1.221-2 - Deduction for interest due and paid on qualified education loans before January 1, 2002.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... under section 163(e) and § 1.163-7, original issue discount on a qualified education loan is not... education loans before January 1, 2002. 1.221-2 Section 1.221-2 Internal Revenue INTERNAL REVENUE SERVICE... Deductions for Individuals § 1.221-2 Deduction for interest due and paid on qualified education loans before...

  6. 26 CFR 1.221-2 - Deduction for interest due and paid on qualified education loans before January 1, 2002.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... under section 163(e) and § 1.163-7, original issue discount on a qualified education loan is not... education loans before January 1, 2002. 1.221-2 Section 1.221-2 Internal Revenue INTERNAL REVENUE SERVICE... Deductions for Individuals § 1.221-2 Deduction for interest due and paid on qualified education loans before...

  7. 26 CFR 1.221-2 - Deduction for interest due and paid on qualified education loans before January 1, 2002.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... under section 163(e) and § 1.163-7, original issue discount on a qualified education loan is not... education loans before January 1, 2002. 1.221-2 Section 1.221-2 Internal Revenue INTERNAL REVENUE SERVICE... Individuals § 1.221-2 Deduction for interest due and paid on qualified education loans before January 1, 2002...

  8. 42 CFR 68.9 - What loans qualify for repayment?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) LOAN REPAYMENT PROGRAMS (LRPs) § 68.9 What loans qualify for...) Undergraduate, graduate, and health professional school tuition expenses; (b) Other reasonable educational...

  9. 42 CFR 68.9 - What loans qualify for repayment?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) LOAN REPAYMENT PROGRAMS (LRPs) § 68.9 What loans qualify for...) Undergraduate, graduate, and health professional school tuition expenses; (b) Other reasonable educational...

  10. 45 CFR 2528.20 - What steps are necessary to use an education award to repay a qualified student loan?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What steps are necessary to use an education award to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to....20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 26 CFR 1.221-1 - Deduction for interest paid on qualified education loans after December 31, 2001.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... education loans after December 31, 2001. 1.221-1 Section 1.221-1 Internal Revenue INTERNAL REVENUE SERVICE... otherwise includible amount distributed from a Coverdell education savings account and excluded from gross income under section 530(d)(2); or (G) Any otherwise includible amount distributed from a qualified...

  16. 26 CFR 1.221-1 - Deduction for interest paid on qualified education loans after December 31, 2001.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... education loans after December 31, 2001. 1.221-1 Section 1.221-1 Internal Revenue INTERNAL REVENUE SERVICE... otherwise includible amount distributed from a Coverdell education savings account and excluded from gross income under section 530(d)(2); or (G) Any otherwise includible amount distributed from a qualified...

  17. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

  18. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

  19. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

  20. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

  1. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

  2. 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...

  3. 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...

  4. 26 CFR 1.593-6 - Pre-1970 addition to reserve for losses on qualifying real property loans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    .... § 1.593-6 Pre-1970 addition to reserve for losses on qualifying real property loans. (a) In general... losses on qualifying real property loans for any taxable year beginning before July 12, 1969, is the... year against the reserve for losses on qualifying real property loans pursuant to § 1.593-10 (relating...

  5. 26 CFR 1.593-6 - Pre-1970 addition to reserve for losses on qualifying real property loans.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    .... § 1.593-6 Pre-1970 addition to reserve for losses on qualifying real property loans. (a) In general... losses on qualifying real property loans for any taxable year beginning before July 12, 1969, is the... year against the reserve for losses on qualifying real property loans pursuant to § 1.593-10 (relating...

  6. 26 CFR 1.593-6 - Pre-1970 addition to reserve for losses on qualifying real property loans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    .... § 1.593-6 Pre-1970 addition to reserve for losses on qualifying real property loans. (a) In general... losses on qualifying real property loans for any taxable year beginning before July 12, 1969, is the... year against the reserve for losses on qualifying real property loans pursuant to § 1.593-10 (relating...

  7. 26 CFR 1.593-6 - Pre-1970 addition to reserve for losses on qualifying real property loans.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    .... § 1.593-6 Pre-1970 addition to reserve for losses on qualifying real property loans. (a) In general... losses on qualifying real property loans for any taxable year beginning before July 12, 1969, is the... year against the reserve for losses on qualifying real property loans pursuant to § 1.593-10 (relating...

  8. 12 CFR 617.7115 - How should a qualified lender disclose loan origination charges?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  9. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... cost of foreclosure? (1) The difference between the outstanding balance due, as provided by the loan... qualified lender determines the potential cost to the lender of restructuring the loan as proposed in the application for restructuring is less than or equal to the potential cost of foreclosure, the qualified lender...

  10. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... cost of foreclosure? (1) The difference between the outstanding balance due, as provided by the loan... qualified lender determines the potential cost to the lender of restructuring the loan as proposed in the application for restructuring is less than or equal to the potential cost of foreclosure, the qualified lender...

  11. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... cost of foreclosure? (1) The difference between the outstanding balance due, as provided by the loan... qualified lender determines the potential cost to the lender of restructuring the loan as proposed in the application for restructuring is less than or equal to the potential cost of foreclosure, the qualified lender...

  12. 26 CFR 1.593-6A - Post-1969 addition to reserve for losses on qualifying real property loans.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... qualifying real property loans. 1.593-6A Section 1.593-6A Internal Revenue INTERNAL REVENUE SERVICE..., Etc. § 1.593-6A Post-1969 addition to reserve for losses on qualifying real property loans. (a) In... § 1.593-5, the amount of the addition to the reserve for losses on qualifying real property loans for...

  13. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... BORROWER RIGHTS Distressed Loan Restructuring; State Agricultural Loan Mediation Programs § 617.7415 How... evaluate an application for restructuring? The qualified lender should consider the following: (1) Whether the cost to the lender of restructuring the loan is equal to or less than the cost of foreclosure...

  14. 42 CFR 68c.9 - What loans qualify for repayment?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false What loans qualify for repayment? 68c.9 Section 68c.9 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES FELLOWSHIPS, INTERNSHIPS, TRAINING NATIONAL INSTITUTE OF CHILD HEALTH AND HUMAN DEVELOPMENT CONTRACEPTION AND INFERTILITY...

  15. 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...

  16. 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...

  17. Education Loans and Financing Higher Education in India: Addressing Equity

    ERIC Educational Resources Information Center

    Rani, P. Geetha

    2014-01-01

    The education loan programme since its inception has been rapidly growing both in terms of number of students who have taken education loans for pursuing higher education and the amount of education loans released. Nevertheless, these financing mechanisms of higher education do not appear to improve access and equity in the higher education system…

  18. 7 CFR 3431.15 - Qualifying loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 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... individual for attendance of the individual at an accredited college of veterinary medicine resulting in a...

  19. 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...

  20. 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...

  1. 26 CFR 1.127-2 - Qualified educational assistance program.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Qualified educational assistance program. 1.127... Qualified educational assistance program. (a) In general. A qualified educational assistance program is a plan established and maintained by an employer under which the employer provides educational assistance...

  2. 76 FR 71329 - Request for Information Regarding Private Education Loans and Private Educational Lenders

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-17

    ... Regarding Private Education Loans and Private Educational Lenders AGENCY: Bureau of Consumer Financial... Justice and the Federal Trade Commission, to prepare a Report on Private Education Loans and Private... Justice and the Federal Trade Commission, to prepare a Report on Private Education Loans and Private...

  3. Higher Education: Better Management of Federal Grant and Loan Forgiveness Programs for Teachers Needed to Improve Participant Outcomes. Report to Congressional Requesters. GAO-15-314

    ERIC Educational Resources Information Center

    Nowicki, Jacqueline M.

    2015-01-01

    Education estimates 430,000 new teachers will be needed by 2020. It administers three programs that may help attract and retain qualified teachers by helping them finance their education. However, little is known about the efficacy of these programs. GAO was asked to examine the TEACH Grant and two loan forgiveness programs. This report examines…

  4. 7 CFR 1735.32 - Guaranteed loans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Types of Loans § 1735.32...) Requirements. To qualify for a guaranteed loan, a borrower must have a projected TIER (including the proposed... loan. In addition, a borrower must meet all requirements set forth in the regulations applicable to a...

  5. 7 CFR 1735.32 - Guaranteed loans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Types of Loans § 1735.32...) Requirements. To qualify for a guaranteed loan, a borrower must have a projected TIER (including the proposed... loan. In addition, a borrower must meet all requirements set forth in the regulations applicable to a...

  6. 7 CFR 1735.32 - Guaranteed loans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Types of Loans § 1735.32...) Requirements. To qualify for a guaranteed loan, a borrower must have a projected TIER (including the proposed... loan. In addition, a borrower must meet all requirements set forth in the regulations applicable to a...

  7. 7 CFR 1735.32 - Guaranteed loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Types of Loans § 1735.32...) Requirements. To qualify for a guaranteed loan, a borrower must have a projected TIER (including the proposed... loan. In addition, a borrower must meet all requirements set forth in the regulations applicable to a...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. Which U.S. Households Use Education Loans?

    ERIC Educational Resources Information Center

    Hsu, Chungwen; Fisher, Patti J.

    2016-01-01

    This empirical study uses the 2013 Survey of Consumer Finances (SCF) to investigate the characteristics of households that hold at least one loan for educational expenses. The benefit of using household-level data is that a single household may have education loans for multiple people in the household, including the household head, spouse/partner,…

  14. 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.

  15. 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…

  16. 5 CFR 1655.11 - Loan acceptance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan acceptance. 1655.11 Section 1655.11 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.11 Loan acceptance. The TSP record keeper will reject a loan application if: (a) The participant is not qualified to apply for...

  17. 26 CFR 1.221-2 - Deduction for interest due and paid on qualified education loans before January 1, 2002.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... education loans before January 1, 2002. 1.221-2 Section 1.221-2 Internal Revenue INTERNAL REVENUE SERVICE... VII and VIII of the Public Health Service Act (42 U.S.C. 292., and 42 U.S.C. 296)) under applicable... performance of services in certain occupations or federal programs, and the borrower satisfies one of those...

  18. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-18

    ... business. \\2\\ While a System institution could not qualify as a franchise purchaser, it could possibly pair with a non-System lender where that lender could buy the deposits and other loans leaving the System institution to buy the agricultural loans. FCA regulations currently provide that a System institution may not...

  19. 12 CFR 226.46 - Special disclosure requirements for private education loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... education loans. 226.46 Section 226.46 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules for Private Education Loans § 226.46 Special disclosure requirements for private education loans. (a) Coverage. The...

  20. 12 CFR 617.7410 - When and how does a qualified lender notify a borrower of the right to seek loan restructuring?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... borrower of the right to seek loan restructuring? 617.7410 Section 617.7410 Banks and Banking FARM CREDIT... Mediation Programs § 617.7410 When and how does a qualified lender notify a borrower of the right to seek... been identified as distressed and that the borrower has the right to request a restructuring of the...

  1. 34 CFR 601.11 - Private education loan disclosures and self-certification form.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Private education loan disclosures and self...-Affiliated Organizations § 601.11 Private education loan disclosures and self-certification form. (a) A... education loan disclosures to the prospective borrower, regardless of whether the covered institution or...

  2. Public Service Loan Forgiveness. NASFAA Task Force Report

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators, 2014

    2014-01-01

    The Public Service Loan Forgiveness (PSLF) program was established in 2007 to encourage student borrowers to work in the public sector. Qualifying borrowers may have their Direct Loans forgiven after 10 years of full-time service in an eligible job. Currently, qualifying employers include federal, state, or local government agencies and tax-exempt…

  3. 12 CFR 583.17 - Qualified thrift lender.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Qualified thrift lender. 583.17 Section 583.17 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.17 Qualified thrift lender. The term qualified thrift...

  4. 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?";…

  5. 78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-04

    ... provide financing assistance to as many projects as possible. In order for an existing B&I guaranteed loan...: (1) Qualify as a high priority project (a requirement of 7 CFR 4279.119(a)(1)(i)), scoring at least... more loans and target smaller loans/projects impacting more small businesses and will assist the Agency...

  6. 7 CFR 1610.5 - Minimum Bank loan.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a Bank...

  7. 7 CFR 1610.5 - Minimum Bank loan.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a Bank...

  8. Federal Student Loan Amounts and Terms for Loans Issued in 2016-17

    ERIC Educational Resources Information Center

    Project on Student Debt, 2016

    2016-01-01

    U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. The chart presented in this report summarizes the interest…

  9. The Success of Students' Loans in Financing Higher Education in Tanzania

    ERIC Educational Resources Information Center

    Nyahende, Veronica R.

    2013-01-01

    Students' loans in financing higher education in Tanzania have been subjected to many researches. However, less information is available on how the success of students' loans in financing higher education can be revealed. Therefore the purpose of this study is to examine the factors indicating the success of students' loans in financing higher…

  10. 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...

  11. 34 CFR 300.18 - Highly qualified special education teachers.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... subjects. For any public elementary or secondary school special education teacher teaching core academic... school or secondary school special education teacher teaching in a State, highly qualified requires that..., except that when used with respect to any teacher teaching in a public charter school, highly qualified...

  12. 34 CFR 300.18 - Highly qualified special education teachers.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... subjects. For any public elementary or secondary school special education teacher teaching core academic... school or secondary school special education teacher teaching in a State, highly qualified requires that..., except that when used with respect to any teacher teaching in a public charter school, highly qualified...

  13. 34 CFR 300.18 - Highly qualified special education teachers.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... subjects. For any public elementary or secondary school special education teacher teaching core academic... school or secondary school special education teacher teaching in a State, highly qualified requires that..., except that when used with respect to any teacher teaching in a public charter school, highly qualified...

  14. 34 CFR 300.18 - Highly qualified special education teachers.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... subjects. For any public elementary or secondary school special education teacher teaching core academic... school or secondary school special education teacher teaching in a State, highly qualified requires that..., except that when used with respect to any teacher teaching in a public charter school, highly qualified...

  15. 77 FR 35659 - Request for Information Regarding Complaints From Private Education Loan Borrowers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-14

    ... Regarding Complaints From Private Education Loan Borrowers AGENCY: Bureau of Consumer Financial Protection... and Consumer Protection Act of 2010 (Dodd-Frank Act) established a Private Education Loan Ombudsman... borrowers of private education loans. Among other things, the Dodd-Frank Act directs the Ombudsman to...

  16. The Space Shuttle Columbia Preservation Project - The Debris Loan Process

    NASA Technical Reports Server (NTRS)

    Thurston, Scott; Comer, Jim; Marder, Arnold; Deacon, Ryan

    2005-01-01

    The purpose of this project is to provide a process for loan of Columbia debris to qualified researchers and technical educators to: (1) Aid in advanced spacecraft design and flight safety development (2) Advance the study of hypersonic re-entry to enhance ground safety. (3) Train and instruct accident investigators and (4) Establish an enduring legacy for Space Shuttle Columbia and her crew.

  17. Loans for Adult Learners: A Postsecondary Education Perspective.

    ERIC Educational Resources Information Center

    Arbeiter, Solomon

    1979-01-01

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

  18. 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...

  19. 7 CFR 1450.101 - Qualified biomass conversion facility.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 10 2014-01-01 2014-01-01 false Qualified biomass conversion facility. 1450.101... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS BIOMASS CROP ASSISTANCE PROGRAM (BCAP) Matching Payments § 1450.101 Qualified biomass conversion facility. (a) To be considered a...

  20. 7 CFR 1450.101 - Qualified biomass conversion facility.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 10 2012-01-01 2012-01-01 false Qualified biomass conversion facility. 1450.101... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS BIOMASS CROP ASSISTANCE PROGRAM (BCAP) Matching Payments § 1450.101 Qualified biomass conversion facility. (a) To be considered a...

  1. 7 CFR 1450.101 - Qualified biomass conversion facility.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 10 2013-01-01 2013-01-01 false Qualified biomass conversion facility. 1450.101... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS BIOMASS CROP ASSISTANCE PROGRAM (BCAP) Matching Payments § 1450.101 Qualified biomass conversion facility. (a) To be considered a...

  2. High-Tuition, High-Loan Financing: Economic Segregation in Postsecondary Education

    ERIC Educational Resources Information Center

    Lillis, Michael P.

    2008-01-01

    Within the past 2 decades, the education services industry has been characterized as going through a period of high tuition with an increased reliance on the use of loan financing. This study examines the impact of this high-tuition, high-loan approach, especially as it relates to the role of socioeconomic status on educational choice within…

  3. 24 CFR 200.190 - HUD list of qualified 203(k) consultants.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false HUD list of qualified 203(k... Participation in FHA Programs Section 203(k) Rehabilitation Loan Consultants § 200.190 HUD list of qualified 203(k) consultants. (a) Qualified consultant list. HUD maintains a list of qualified consultants for use...

  4. 24 CFR 200.190 - HUD list of qualified 203(k) consultants.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false HUD list of qualified 203(k... Participation in FHA Programs Section 203(k) Rehabilitation Loan Consultants § 200.190 HUD list of qualified 203(k) consultants. (a) Qualified consultant list. HUD maintains a list of qualified consultants for use...

  5. 24 CFR 200.190 - HUD list of qualified 203(k) consultants.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false HUD list of qualified 203(k... Participation in FHA Programs Section 203(k) Rehabilitation Loan Consultants § 200.190 HUD list of qualified 203(k) consultants. (a) Qualified consultant list. HUD maintains a list of qualified consultants for use...

  6. 24 CFR 200.190 - HUD list of qualified 203(k) consultants.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false HUD list of qualified 203(k... Participation in FHA Programs Section 203(k) Rehabilitation Loan Consultants § 200.190 HUD list of qualified 203(k) consultants. (a) Qualified consultant list. HUD maintains a list of qualified consultants for use...

  7. 24 CFR 200.190 - HUD list of qualified 203(k) consultants.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false HUD list of qualified 203(k... Participation in FHA Programs Section 203(k) Rehabilitation Loan Consultants § 200.190 HUD list of qualified 203(k) consultants. (a) Qualified consultant list. HUD maintains a list of qualified consultants for use...

  8. 12 CFR 226.46 - Special disclosure requirements for private education loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules for Private Education Loans § 226.46 Special disclosure requirements for private education loans. (a) Coverage. The... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special disclosure requirements for private...

  9. The Perpetual Education Fund: Providing Higher Education Loans in the Voluntary Sector

    ERIC Educational Resources Information Center

    Lough, Benjamin J.

    2010-01-01

    Although many strategies are proposed to reduce the opportunity gap in higher education between and within countries, student loans with cost recovery measures are often preferred during times of fiscal constraint. This study briefly reviews the benefits and challenges of student loans over other forms of financial aid and presents the case for…

  10. Student Loans for Higher Education

    ERIC Educational Resources Information Center

    Simons, Charlene Wear

    2008-01-01

    Student loans are a rapidly growing $85 billion a year industry fueled by the substantial higher economic returns associated with a college education, increased demand from students and their parents, and grant and scholarship funds that have not kept pace with rising school tuition and fees. This report describes federally subsidized and…

  11. 24 CFR 266.100 - Qualified housing finance agency (HFA).

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Qualified housing finance agency... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Housing Finance Agency Requirements § 266.100 Qualified housing finance agency (HFA). (a) Qualifications...

  12. 24 CFR 266.100 - Qualified housing finance agency (HFA).

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Qualified housing finance agency... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Housing Finance Agency Requirements § 266.100 Qualified housing finance agency (HFA). (a) Qualifications...

  13. 24 CFR 266.100 - Qualified housing finance agency (HFA).

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Qualified housing finance agency... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Housing Finance Agency Requirements § 266.100 Qualified housing finance agency (HFA). (a) Qualifications...

  14. 24 CFR 266.100 - Qualified housing finance agency (HFA).

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Qualified housing finance agency... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Housing Finance Agency Requirements § 266.100 Qualified housing finance agency (HFA). (a) Qualifications...

  15. Education Dept. Proposes New Rules for Student-Loan Programs

    ERIC Educational Resources Information Center

    Field, Kelly

    2007-01-01

    Colleges would be required to give students information to help them shop around among loan providers under proposed changes in student-loan programs announced by the U.S. Department of Education. The proposed regulations represent the department's most significant response to date to the continuing controversy over conflicts of interest in the…

  16. 7 CFR 1735.31 - RUS cost-of-money and RTB loans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 11 2012-01-01 2012-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans, under... qualify for concurrent RUS cost-of-money and RTB loans on or after November 1, 1993, a borrower must meet...

  17. 7 CFR 1735.31 - RUS cost-of-money and RTB loans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 11 2014-01-01 2014-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans, under... qualify for concurrent RUS cost-of-money and RTB loans on or after November 1, 1993, a borrower must meet...

  18. 7 CFR 1735.31 - RUS cost-of-money and RTB loans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 11 2013-01-01 2013-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans, under... qualify for concurrent RUS cost-of-money and RTB loans on or after November 1, 1993, a borrower must meet...

  19. 7 CFR 1735.31 - RUS cost-of-money and RTB loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans, under... qualify for concurrent RUS cost-of-money and RTB loans on or after November 1, 1993, a borrower must meet...

  20. 34 CFR 300.18 - Highly qualified special education teachers.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 2 2010-07-01 2010-07-01 false Highly qualified special education teachers. 300.18... SPECIAL EDUCATION AND REHABILITATIVE SERVICES, DEPARTMENT OF EDUCATION ASSISTANCE TO STATES FOR THE... special education teachers. (a) Requirements for special education teachers teaching core academic...

  1. 38 CFR 3.315 - Basic eligibility determinations; dependents, loans, education.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Basic eligibility determinations; dependents, loans, education. 3.315 Section 3.315 Pensions, Bonuses, and Veterans' Relief... Ratings and Evaluations; Service Connection § 3.315 Basic eligibility determinations; dependents, loans...

  2. 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…

  3. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 5 2011-10-01 2011-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  4. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 5 2013-10-01 2013-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  5. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 5 2010-10-01 2010-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  6. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 5 2014-10-01 2014-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  7. 42 CFR 1001.1501 - Default of health education loan or scholarship obligations.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 5 2012-10-01 2012-10-01 false Default of health education loan or scholarship... Permissive Exclusions § 1001.1501 Default of health education loan or scholarship obligations. (a... individual that the Public Health Service (PHS) determines is in default on repayments of scholarship...

  8. 34 CFR 674.60 - Cancellation for volunteer service-Perkins loans, NDSLs and Defense loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Cancellation for volunteer service-Perkins loans, NDSLs... Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation § 674.60 Cancellation for volunteer service—Perkins loans, NDSLs and Defense...

  9. 34 CFR 674.60 - Cancellation for volunteer service-Perkins loans, NDSLs and Defense loans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Cancellation for volunteer service-Perkins loans, NDSLs... Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation § 674.60 Cancellation for volunteer service—Perkins loans, NDSLs and Defense...

  10. 38 CFR 36.4300 - Applicability and qualified mortgage status.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2014-07-01 2014-07-01 false Applicability and qualified mortgage status. 36.4300 Section 36.4300 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF...” loan with a term of 12 months or less, such as a loan to finance the purchase of a new dwelling where...

  11. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... cancellation—Defense loans. (a) Cancellation for full-time teaching. (1) An institution shall cancel up to 50 percent of the outstanding balance on a borrower's Defense loan for full-time teaching in— (i) A public or... of qualifying service, for each complete year, or its equivalent, of teaching. (b) Cancellation for...

  12. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... cancellation—Defense loans. (a) Cancellation for full-time teaching. (1) An institution shall cancel up to 50 percent of the outstanding balance on a borrower's Defense loan for full-time teaching in— (i) A public or... of qualifying service, for each complete year, or its equivalent, of teaching. (b) Cancellation for...

  13. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... cancellation—Defense loans. (a) Cancellation for full-time teaching. (1) An institution shall cancel up to 50 percent of the outstanding balance on a borrower's Defense loan for full-time teaching in— (i) A public or... of qualifying service, for each complete year, or its equivalent, of teaching. (b) Cancellation for...

  14. 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…

  15. 12 CFR 226.48 - Limitations on private education loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Limitations on private education loans. (a) Co-branding prohibited. (1) Except as provided in paragraph (b) of this section, a creditor, other than the covered educational institution itself, shall not use the name, emblem, mascot, or logo of a covered educational institution, or other words, pictures, or symbols...

  16. 12 CFR 617.7110 - How should a qualified lender disclose the cost of borrower stock or participation certificates?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... loan transaction. For subsequent loans to existing borrowers, only the cost of new stock or... 12 Banks and Banking 6 2010-01-01 2010-01-01 false How should a qualified lender disclose the cost....7110 How should a qualified lender disclose the cost of borrower stock or participation certificates...

  17. Financial Management: Education's Student Loan Program Controls over Lenders Need Improvement. Report to the Secretary of Education.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

    This report presents the results of a U.S. General Accounting Office (GAO) review of lender and Department of Education controls over the accuracy of lender-submitted quarterly billings under the Federal Family Education Loan Program, also known as the guaranteed student loan program. It reports that both lenders and the Department of Education…

  18. 76 FR 47226 - Notice of HUD-Held Multifamily Loan Sale (MLS 2011-2)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-04

    ... (BIP) was made available online to qualified bidders on June 29, 2011. Submission of bids for the loans...-performing mortgage loans. A final listing of the Mortgage Loans was included in the BIP. The Mortgage Loans... 2011-2. The Bidding Process The BIP described in detail the procedure for bidding in MLS 2011- 2. The...

  19. 34 CFR 674.39 - Loan rehabilitation.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Loan rehabilitation. 674.39 Section 674.39 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.39 Loan rehabilitation. (a) Each...

  20. 34 CFR 674.39 - Loan rehabilitation.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan rehabilitation. 674.39 Section 674.39 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.39 Loan rehabilitation. (a) Each...

  1. Equity and Access to University Education through Higher Loans in Bungoma District Kenya

    ERIC Educational Resources Information Center

    Wachiye, Herman J.; Nasongo, Joseph W.

    2009-01-01

    University student loans were introduced in Kenya with the aim of easing the burden of public expenditure in higher education. In the initial years the loans were to benefit all students enrolled at University irrespective of their socio-economic backgrounds. The beneficiaries were expected to repay the loan later upon getting into employment.…

  2. 76 FR 24045 - Notice of HUD-Held Multifamily Loan Sale (MLS 2011-1)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-29

    ... Package (BIP) was made available to qualified bidders on March 30, 2011. Submissions of bids for the loans... BIP, prospective bidders must have completed, executed, and submitted a Confidentiality Agreement and... comprised of non-performing mortgage loans. A final listing of the Mortgage Loans was included in the BIP...

  3. 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...

  4. The Challenge of Financing Higher Education and the Role of Student Loans Scheme: An Analysis of the Student Loan Trust Fund (SLTF) in Ghana

    ERIC Educational Resources Information Center

    Atuahene, Francis

    2008-01-01

    Student loans program is one of the most controversial phenomena in financing higher education in Ghana, but its importance as a cost sharing mechanism is incontestable. This paper describes the challenge of financing higher education in Ghana. It provides a critique of the Social Security and National Insurance Trust (SSNIT) Student Loans Scheme,…

  5. State Guarantee Agencies and Capital Avaialability for Student Loans. Papers in Education Finance. Paper No. 22.

    ERIC Educational Resources Information Center

    Hyde, William D., Jr.

    The relationship between capital available for student loans and the types of programs through which loans are made to students is examined in this paper on educational finance. Cost of attendance, amount of grant aid, and ability to pay are investigated as factors that affect the amount of loans a student needs to finance a college education.…

  6. Direct Consolidation Loan Guide for Schools.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This guide is intended to help educational institutions counsel students and parents about consolidation of federal education loans for borrowers in repayment, borrowers in default, and borrowers who are still in school. Through consolidation, borrowers may combine various types of federal education loans, including direct loans and loans made…

  7. 42 CFR 68a.9 - What loans qualify for repayment?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) CLINICAL RESEARCH LOAN REPAYMENT PROGRAM FOR... following programs: Physicians Shortage Area Scholarship Program (Federal or State), National Research...

  8. 26 CFR 1.127-1 - Amounts received under a qualified educational assistance program.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... employee under a qualified educational assistance program described in § 1.127-2, or (2) The value of... assistance program. 1.127-1 Section 1.127-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Income § 1.127-1 Amounts received under a qualified educational assistance program. (a) Exclusion from...

  9. 34 CFR 674.12 - Loan maximums.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Loan maximums. 674.12 Section 674.12 Education..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.12 Loan maximums. (a) The maximum annual amount of Federal Perkins Loans and NDSLs an eligible student may borrow is— (1) $5,500 for...

  10. Federal Student Loans: Oversight of Defaulted Loan Rehabilitation Needs Strengthening. Testimony before the Subcommittee on Higher Education and Workforce Training, Committee on Education and the Workforce, House of Representatives. GAO-14-426T

    ERIC Educational Resources Information Center

    Emrey-Arras, Melissa

    2014-01-01

    As of September 2013 about $94 billion--over 11 percent of federal student loan volume in repayment--was in default. Loan rehabilitation allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Department of Education (Education) contracts with collection agencies to assist…

  11. Contingent Repayment Education Loans Related to Income.

    ERIC Educational Resources Information Center

    Brannon, Gerard M.

    This paper explores some questions about the use of income for determining repayment of educational loans. The plans generally call for a level of repayment to cover the initial advances, plus interest for a college graduate with average income, but would require less than full repayment for the students with low income, and over full repayment…

  12. Loans for Learning. Briefing Note

    ERIC Educational Resources Information Center

    Cedefop - European Centre for the Development of Vocational Training, 2011

    2011-01-01

    A good loan scheme must balance costs with coverage. If loans are too expensive then people will not borrow. Governments are not banks, but they provide or support loans for many things, including education and training. Governments too need to get the balance right. Cedefop surveyed 35 education and training loan schemes in Europe, examining…

  13. Education: New Programs Aim to Ease Shortage of Qualified Toxicologists.

    ERIC Educational Resources Information Center

    Worthy, Ward

    1983-01-01

    Discusses programs designed to ease shortage of qualified toxicologists including one leading to a bachelor's degree in toxicology at the Philadelphia College of Pharmacy and Science. Also considered are emerging attitudes toward toxicology and educational issues extending beyond the education of students (such as educating the public,…

  14. The Columbia Debris Loan Program; Examples of Microscopic Analysis

    NASA Technical Reports Server (NTRS)

    Russell, Rick; Thurston, Scott; Smith, Stephen; Marder, Arnold; Steckel, Gary

    2006-01-01

    Following the tragic loss of the Space Shuttle Columbia NASA formed The Columbia Recovery Office (CRO). The CRO was initially formed at the Johnson Space Center after the conclusion of recovery operations on May 1,2003 and then transferred .to the Kennedy Space Center on October 6,2003 and renamed The Columbia Recovery Office and Preservation. An integral part of the preservation project was the development of a process to loan Columbia debris to qualified researchers and technical educators. The purposes of this program include aiding in the advancement of advanced spacecraft design and flight safety development, the advancement of the study of hypersonic re-entry to enhance ground safety, to train and instruct accident investigators and to establish an enduring legacy for Space Shuttle Columbia and her crew. Along with a summary of the debris loan process examples of microscopic analysis of Columbia debris items will be presented. The first example will be from the reconstruction following the STS- 107 accident and how the Materials and Proessteesa m used microscopic analysis to confirm the accident scenario. Additionally, three examples of microstructural results from the debris loan process from NASA internal, academia and private industry will be presented.

  15. 10 CFR 800.300 - Loan servicing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... consideration to the experience of the agent in providing financial services to minority business enterprises..., broker, or other financial institution or entity) having the capability, and legally qualified, to service the loan consistently with the requirements of this regulation, which contracts with DOE to act as...

  16. 76 FR 22631 - Community Facility Loans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-22

    ... restrictive language in 7 CFR part 1942 that limits projects using alternate construction methods to loans... field staff and applicants understand when a project qualifies as an alternate construction method. None... contracting method projects must comply with the requirements for ``maximum open and free competition'' in...

  17. Defaulted Student Loans. Private Lender Collection Efforts Often Inadequate. Report to the Secretary of Education.

    ERIC Educational Resources Information Center

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

    The increasing costs, paid by the Department of Education through 47 loan guaranty agencies, for defaulted loans made through the Guaranteed Student Loan Program prompted the General Accounting Office (GAO) to evaluate the policies and procedures used by the Department and the guaranty agencies. The purposes were to determine whether: (1) the…

  18. 77 FR 35479 - Proposed Collection; Comment Request for Regulation Project

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-13

    ... Payments of Interest on Qualified Education Loans; Magnetic Media Filing Requirements for Information. OMB... information reporting for qualified tuition and related expenses, magnetic media filing requirements for information returns, information reporting for payments of interest on qualified education loans, and magnetic...

  19. 12 CFR 574.8 - Qualified stock issuances by undercapitalized savings associations or holding companies.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... voting stock of the issuing undercapitalized savings association or savings and loan holding company. (8... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Qualified stock issuances by undercapitalized... SUPERVISION, DEPARTMENT OF THE TREASURY ACQUISITION OF CONTROL OF SAVINGS ASSOCIATIONS § 574.8 Qualified stock...

  20. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Defense loans. 674.34 Section 674.34 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of... fellow to submit periodic reports, projects, or evidence of the fellow's progress; and (iv) In the case...

  1. 12 CFR 617.7415 - How does a qualified lender decide to restructure a loan?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... BORROWER RIGHTS Distressed Loan Restructuring; State Agricultural Loan Mediation Programs § 617.7415 How... plan and cash flow analysis, taking into account income from all sources to be applied to the debt and...

  2. Report on Marketing Practices in the Federal Family Education Loan Program

    ERIC Educational Resources Information Center

    US Senate, 2007

    2007-01-01

    This report was prepared by the Chairman's Staff of the Senate Health, Education, Labor and Pensions Committee setting forth the findings of an investigation into marketing practices in the Federal Family Education Loan program ("FFEL"). Evidence uncovered by the Chairman's investigation demonstrates that many FFEL lenders routinely…

  3. 12 CFR 621.8 - Application of payments and income recognition on nonaccrual loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Application of payments and income recognition... Application of payments and income recognition on nonaccrual loans. Each institution shall employ the... cash on such loan may qualify for recognition as interest income if all of the following...

  4. 12 CFR 621.8 - Application of payments and income recognition on nonaccrual loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Application of payments and income recognition... Application of payments and income recognition on nonaccrual loans. Each institution shall employ the... cash on such loan may qualify for recognition as interest income if all of the following...

  5. 7 CFR 3431.13 - Terms of loan repayment and length of service requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... requirements. (a) Loan repayment. For each year of obligated service in a veterinary shortage situation, as..., provided the shortage situation in which the participant has agreed to serve has been designated as... qualified veterinarians to participate in the VMLRP, the Secretary may establish a loan repayment cap that...

  6. 7 CFR 3431.13 - Terms of loan repayment and length of service requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... requirements. (a) Loan repayment. For each year of obligated service in a veterinary shortage situation, as..., provided the shortage situation in which the participant has agreed to serve has been designated as... qualified veterinarians to participate in the VMLRP, the Secretary may establish a loan repayment cap that...

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

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... requirements. (a) Loan repayment. For each year of obligated service in a veterinary shortage situation, as..., provided the shortage situation in which the participant has agreed to serve has been designated as... qualified veterinarians to participate in the VMLRP, the Secretary may establish a loan repayment cap that...

  8. 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...

  9. 7 CFR Appendix I to Subpart E of... - Instructions for Loan Guarantees for Drought and Disaster Relief

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 14 2012-01-01 2012-01-01 false Instructions for Loan Guarantees for Drought and...—Instructions for Loan Guarantees for Drought and Disaster Relief A. In general. Drought and Disaster (D&D... amount of qualifying loans. Interest and protective advances are not covered by the guarantee. Drought...

  10. 7 CFR Appendix I to Subpart E of... - Instructions for Loan Guarantees for Drought and Disaster Relief

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 14 2013-01-01 2013-01-01 false Instructions for Loan Guarantees for Drought and...—Instructions for Loan Guarantees for Drought and Disaster Relief A. In general. Drought and Disaster (D&D... amount of qualifying loans. Interest and protective advances are not covered by the guarantee. Drought...

  11. 7 CFR Appendix I to Subpart E of... - Instructions for Loan Guarantees for Drought and Disaster Relief

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 14 2014-01-01 2014-01-01 false Instructions for Loan Guarantees for Drought and...—Instructions for Loan Guarantees for Drought and Disaster Relief A. In general. Drought and Disaster (D&D... amount of qualifying loans. Interest and protective advances are not covered by the guarantee. Drought...

  12. Student Loans as a Means of Financing Higher Education: Lessons from International Experience. World Bank Staff Working Papers Number 599.

    ERIC Educational Resources Information Center

    Woodhall, Maureen

    International experience with student loans as a means of financing higher education is examined, with particular reference to developing countries. After summarizing the main purposes and kinds of student loan programs and practices in developed countries, advantages and disadvantages of loans as a means of financing higher education are…

  13. Widening Participation in Higher Education: A Social Justice Analysis of Student Loans in Tanzania

    ERIC Educational Resources Information Center

    Msigwa, Faustina M.

    2016-01-01

    Financing of higher education (HE) through provision of student loans has become the most popular strategy globally for funding undergraduate degrees; hence, widening participation in HE depends crucially on socially just distribution of loans. Tanzanian financial assistance policy aims to support students from low-socio-economic status (SES)…

  14. 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...

  15. 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...

  16. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation § 674.55 Teacher... other nonprofit elementary or secondary school; (ii) An institution of higher education; or (iii) An... 34 Education 3 2011-07-01 2011-07-01 false Teacher cancellation-Defense loans. 674.55 Section 674...

  17. 34 CFR 674.55 - Teacher cancellation-Defense loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation § 674.55 Teacher... other nonprofit elementary or secondary school; (ii) An institution of higher education; or (iii) An... 34 Education 3 2010-07-01 2010-07-01 false Teacher cancellation-Defense loans. 674.55 Section 674...

  18. Health Education Assistance Loan (HEAL) Program. Final rule.

    PubMed

    2017-11-15

    On July 1, 2014, the HEAL Program was transferred from the U.S. Department of Health and Human Services (HHS) to the U.S. Department of Education (the Department). To reflect this transfer and to facilitate the servicing of all HEAL loans that are currently held by the Department, the Secretary adds the HEAL Program regulations to the Department's chapter in the Code of Federal Regulations (CFR).

  19. Access to Qualified Special Educators across Elementary Neighborhood and Exclusionary Schools

    ERIC Educational Resources Information Center

    Mason-Williams, Loretta; Bettini, Elizabeth; Gagnon, Joseph Calvin

    2017-01-01

    In this study, we investigate the distribution of qualified special educators across elementary neighborhood schools and exclusionary public and private special education schools. Using the 2011-2012 Schools and Staffing Survey, we provide a descriptive analysis of measurable teacher qualifications (e.g., years of experience, preparation type,…

  20. 7 CFR 1450.103 - Eligible material that qualifies for payment.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS BIOMASS CROP... this subpart: (1) Eligible material must be renewable biomass that, at a minimum, meets the definition... must be delivered to a qualified biomass conversion facility (as specified in § 1450.101 and other...

  1. 7 CFR 1450.103 - Eligible material that qualifies for payment.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS BIOMASS CROP... this subpart: (1) Eligible material must be renewable biomass that, at a minimum, meets the definition... must be delivered to a qualified biomass conversion facility (as specified in § 1450.101 and other...

  2. 7 CFR 1450.103 - Eligible material that qualifies for payment.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS BIOMASS CROP... this subpart: (1) Eligible material must be renewable biomass that, at a minimum, meets the definition... must be delivered to a qualified biomass conversion facility (as specified in § 1450.101 and other...

  3. 7 CFR 1450.103 - Eligible material that qualifies for payment.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CREDIT CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS BIOMASS CROP... this subpart: (1) Eligible material must be renewable biomass that, at a minimum, meets the definition... must be delivered to a qualified biomass conversion facility (as specified in § 1450.101 and other...

  4. The Role of Student Loan Programs in Higher Education Policy in the United States

    ERIC Educational Resources Information Center

    Amatya, Sachi

    2009-01-01

    The increasing cost of higher education, coupled with the inability of federal and state governments to sustain parallel increases in levels of funding for student financial aid, has led to significant growth of student loans. This project analyzes the multidimensional student loans space in the US. This project also compares and contrasts some of…

  5. Private Loans and Choice in Financing Higher Education.

    ERIC Educational Resources Information Center

    Wegmann, Catherine A.; Cunningham, Alisa F.; Merisotis, Jamie P.

    Private loans also known as private-label loans or alternative loans, have long been part of the student financial aid equation, but are receiving new attention in recent years. Understanding who gets private loans and their reasons for borrowing these loans is critical for policymaking, but little research has been done. This report explores the…

  6. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 5 2013-10-01 2013-10-01 false Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs. 853.271 Section 853.271 Federal Acquisition... Guaranty, Education and Vocational Rehabilitation and Counseling Programs. ...

  7. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 48 Federal Acquisition Regulations System 5 2014-10-01 2014-10-01 false Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs. 853.271 Section 853.271 Federal Acquisition... Guaranty, Education and Vocational Rehabilitation and Counseling Programs. ...

  8. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 5 2011-10-01 2011-10-01 false Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs. 853.271 Section 853.271 Federal Acquisition... Guaranty, Education and Vocational Rehabilitation and Counseling Programs. ...

  9. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs. 853.271 Section 853.271 Federal Acquisition... Guaranty, Education and Vocational Rehabilitation and Counseling Programs. ...

  10. 48 CFR 853.271 - Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 48 Federal Acquisition Regulations System 5 2012-10-01 2012-10-01 false Loan Guaranty, Education and Vocational Rehabilitation and Counseling Programs. 853.271 Section 853.271 Federal Acquisition... Guaranty, Education and Vocational Rehabilitation and Counseling Programs. ...

  11. 7 CFR 1150.153 - Qualified dairy product promotion, research or nutrition education programs.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... nutrition education programs. 1150.153 Section 1150.153 Agriculture Regulations of the Department of... Qualified dairy product promotion, research or nutrition education programs. (a) Any producer organization that conducts a State or regional dairy product promotion, research or nutrition education program...

  12. 7 CFR 1150.153 - Qualified dairy product promotion, research or nutrition education programs.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... nutrition education programs. 1150.153 Section 1150.153 Agriculture Regulations of the Department of... Qualified dairy product promotion, research or nutrition education programs. (a) Any producer organization that conducts a State or regional dairy product promotion, research or nutrition education program...

  13. 7 CFR 1150.153 - Qualified dairy product promotion, research or nutrition education programs.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... nutrition education programs. 1150.153 Section 1150.153 Agriculture Regulations of the Department of... Qualified dairy product promotion, research or nutrition education programs. (a) Any producer organization that conducts a State or regional dairy product promotion, research or nutrition education program...

  14. Performance of the Higher Education Students Loans Board in Human Capital Investment from 2005-2015

    ERIC Educational Resources Information Center

    Memba, Albert Zephaniah; Feng, Zhao Zun

    2016-01-01

    Many studies conducted on the Higher Education Students Loans Board (HESLB) have mostly concentrated on its success, sustainability and effectiveness on loans issuance and repayment. None had focused on its performance towards human capital investment. This study sought to explain and analyze HESLB's performance in human capital investment, which…

  15. 76 FR 5787 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-02

    ... DEPARTMENT OF EDUCATION [CFDA Nos. 84.038, 84.033, and 84.007] Federal Perkins Loan, Federal Work... for the campus-based programs. SUPPLEMENTARY INFORMATION: The Federal Perkins Loan, Federal Work-Study.... The Work Colleges Program The Work Colleges September 30, Report of 2010-2011 award Program Report can...

  16. Loans for Lifelong Learning.

    ERIC Educational Resources Information Center

    Fletcher, Mick, Ed.

    This collection of eight papers looks at how a system of loans for lifelong learning in Great Britain and New Zealand might be positioned. It examines where such loans might work best and where they seem inappropriate. In particular, the collection assembles the available evidence about the role and impact of loans in the world of education and…

  17. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  18. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  19. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  20. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  1. 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...

  2. 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...

  3. 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...

  4. 12 CFR 208.23 - Agricultural loan loss amortization.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... principal shareholders, a participating bank may amortize in its Reports of Condition and Income: (i) Any loss on a qualified agricultural loan that the bank would be required to reflect in its financial... required to reflect in its financial statements for any period between and including 1983 and 1991...

  5. 78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-29

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

  6. Federal Family Education Loan Program: Increased Department of Education Oversight of Lender and School Activities Needed to Help Ensure Program Compliance. Report to Congressional Requesters. GAO-07-750

    ERIC Educational Resources Information Center

    Scott, George A.

    2007-01-01

    Concerns have been raised about the Department of Education's (Education) role in overseeing the lenders and schools that participate in the largest of the federal government's student loan programs, the Federal Family Education Loan Program (FFELP). GAO was asked to analyze Education's use of its oversight, guidance, and enforcement authorities…

  7. 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,…

  8. 7 CFR 1951.860 - Interest on loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  9. 7 CFR 1951.860 - Interest on loans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  10. 7 CFR 1951.860 - Interest on loans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  11. 7 CFR 1951.860 - Interest on loans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  12. 34 CFR 674.12 - Loan maximums.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.12 Loan maximums. (a) The maximum annual amount of Federal Perkins Loans and NDSLs an eligible student may borrow is— (1) $5,500 for... professional student. (b) The aggregate unpaid principal amount of all Federal Perkins Loans and NDSLs received...

  13. 34 CFR 685.201 - Obtaining a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Obtaining a loan. 685.201 Section 685.201 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions § 685.201 Obtaining a...

  14. 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…

  15. 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…

  16. 34 CFR 682.204 - Maximum loan amounts.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Maximum loan amounts. 682.204 Section 682.204 Education..., DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM General Provisions § 682.204 Maximum... a full academic year, the maximum annual amount that the student may receive may not exceed the...

  17. Forgiven but not Relieved: US Physician Workforce Consequences of Changes to Public Service Loan Forgiveness.

    PubMed

    Friedman, Ari B; Grischkan, Justin A; Dorsey, E Ray; George, Benjamin P

    2016-10-01

    Public Service Loan Forgiveness (PSLF) was established in 2007 for public sector and nonprofit enterprise employees to pursue educational loan forgiveness. Under PSLF, graduates are offered complete loan forgiveness after 120 qualifying monthly payments while employed at public or nonprofit institutions, including payments made during residency for physicians. In response to concerns that PSLF will heavily subsidize lawyers, doctors, and other professionals, the President's 2017 budget proposes limiting maximum forgiveness. Using data from the Association of American Medical Colleges Graduation Questionnaire (n = 55,905; response rate of 80 %), we found that intended participation in PSLF among medical school graduates grew 20 % per year since 2010. Future primary care physicians intend to use PSLF more than programs that were historically designed to promote primary care, such as the National Health Service Corp (NHSC). The federal government's projected cost of PSLF will reach over $316 million for 2014 graduates (net present value), approximately seven times the annual contributions from the NHSC. The proposed cap will reduce the total anticipated forgiveness by nearly two-thirds and substantially reduce subsidies for physicians. More targeted measures of loan forgiveness could be considered, such as making forgiveness contingent on pursuing specialties that society needs or practicing in shortage areas.

  18. 76 FR 55057 - Privacy Act of 1974; System of Records

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-06

    ... Records. System location: U.S. Army Human Resources Command, Education Incentives Branch, 1600 Spearhead... Social Security Number (SSN); Military Occupational Specialty (MOS). Student Loan: Qualifying student loan name, amount of loan, date of loan transaction, student education loan number assigned by the...

  19. Student Loans in Higher Education: 2. Asia. Report of an IIEP Educational Forum. IIEP Dissemination Programme, Educational Forum Series, No. 2.

    ERIC Educational Resources Information Center

    Woodhall, Maureen

    This report summarizes an educational forum organized by the International Institute for Educational Planning (IIEP) and held in Genting, Malaysia on November 6-8, 1990, to discuss the experience of student loans in Australia, the People's Republic of China, Hong Kong, India, Indonesia, Japan, Malaysia, the Philippines, Singapore, and Thailand. In…

  20. 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...

  1. 7 CFR 1221.24 - Qualified sorghum producer organization.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... MARKETING SERVICE (MARKETING AGREEMENTS AND ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE... qualified State-legislated sorghum promotion, research, and education commission or organization, approved... education commission or organization, qualified sorghum producer organization means any qualified...

  2. Private Loans: Facts and Trends

    ERIC Educational Resources Information Center

    Institute for College Access & Success, 2014

    2014-01-01

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

  3. 34 CFR 674.16 - Making and disbursing loans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Making and disbursing loans. 674.16 Section 674.16 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.16 Making and...

  4. 7 CFR 1221.24 - Qualified sorghum producer organization.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... qualified State-legislated sorghum promotion, research, and education commission or organization, approved... education commission or organization, qualified sorghum producer organization means any qualified organization that has the primary purpose of representing sorghum producers, has sorghum producers as members...

  5. 7 CFR 1221.24 - Qualified sorghum producer organization.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... qualified State-legislated sorghum promotion, research, and education commission or organization, approved... education commission or organization, qualified sorghum producer organization means any qualified organization that has the primary purpose of representing sorghum producers, has sorghum producers as members...

  6. 7 CFR 1221.24 - Qualified sorghum producer organization.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... qualified State-legislated sorghum promotion, research, and education commission or organization, approved... education commission or organization, qualified sorghum producer organization means any qualified organization that has the primary purpose of representing sorghum producers, has sorghum producers as members...

  7. 7 CFR 1221.24 - Qualified sorghum producer organization.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... qualified State-legislated sorghum promotion, research, and education commission or organization, approved... education commission or organization, qualified sorghum producer organization means any qualified organization that has the primary purpose of representing sorghum producers, has sorghum producers as members...

  8. Oversight Hearing on Student Loan Marketing Associations. Hearing before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Eighth Congress, First Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. House Committee on Education and Labor.

    Oversight hearings on the Student Loan Marketing Association (Sallie Mae) are presented. Sallie Mae was established by the Education Amendments of 1972 to provide liquidity for Guaranteed Student Loan (GSL) lenders by purchasing GSL portfolios from lenders or making loans on GSL loans held by lenders. In 1982, Sallie Mae had total cumulative…

  9. 75 FR 12217 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-15

    ... DEPARTMENT OF EDUCATION Federal Perkins Loan, Federal Work-Study, and Federal Supplemental... undergraduate and graduate students to help pay for their education. The FWS Program encourages the part-time employment of needy undergraduate and graduate students to help pay for their education and to involve the...

  10. 75 FR 51395 - AmeriCorps National Service Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-20

    ... members, nearly 500,000 Senior Corps volunteers, 1.5 million Learn and Serve America students, and three... eligible for the payment of accrued interest on qualified student loans; Amends the amount of a full-time... education awards: to repay qualified student loans, to pay for current educational expenses at an...

  11. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Limitations on maximum loan amounts. 682.506 Section 682.506 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...

  12. 34 CFR 682.504 - Issuance of Federal loan guarantees.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Issuance of Federal loan guarantees. 682.504 Section 682.504 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...

  13. 34 CFR 682.208 - Due diligence in servicing a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in servicing a loan. 682.208 Section 682.208 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF... § 682.208 Due diligence in servicing a loan. (a) The loan servicing process includes reporting to...

  14. Nursing educator perspectives of overseas qualified nurses' intercultural clinical communication: barriers, enablers and engagement strategies.

    PubMed

    Philip, Susan; Manias, Elizabeth; Woodward-Kron, Robyn

    2015-09-01

    To understand the intercultural communication experiences and associated communication training needs of overseas qualified nurses in the Australian healthcare system from the unique perspectives of nurse educators teaching in accredited bridging programmes. Overseas qualified nurses are an integral part of the nursing workforce in migration destination countries. Communication training needs are more complex when there are cultural, ethnic and language differences between nurses, other health professionals and patients. A qualitative, exploratory research design using semi-structured interviews. All (nine) organisations involved in conducting the Australian Health Practitioner Regulation Agency approved preregistration bridging programmes for overseas qualified nurses within the state of Victoria, Australia, were involved in the study. Participants were 12 nurse educators employed in these organisations. Thematic analysis was undertaken. Three macro themes emerged about the overseas qualified nurses' intercultural communication: (1) pre-existing barriers and enablers to intercultural communication, for example, nurses' reluctance to engage in communicative strategies that build rapport with patients, (2) transitional behaviours and impact on communication, including maintenance of perceived cultural hierarchies between health professionals and (3) development of communicative competence, including expanding one's repertoire of conversational gambits. The findings point to the domains and causes of communication challenges facing overseas qualified nurses in new healthcare settings as well as strategies that the nurse educators and nurses can adopt. Communication cannot be merely regarded as a skill that can be taught in a didactic programme. Comprehensive understanding is needed about the sociocultural dimensions of these nurses' orientation, which can impact on how they communicate in their new healthcare settings. The findings can act as triggers for discussion

  15. 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...

  16. Student Loans and Foreign Schools: Assessing Risks Could Help Education Reduce Program Vulnerability. Report to Congressional Addressees.

    ERIC Educational Resources Information Center

    Ashby, Cornelia M.

    Recent events have increased concerns about the potential for fraud in student loan programs related to loans for U.S. residents attending foreign schools. In 2002 the Office of Special Investigations of the General Accounting Office (GAO) created a fictitious foreign school that the Department of Education subsequently certified as eligible to…

  17. 34 CFR 682.102 - Obtaining and repaying a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Obtaining and repaying a loan. 682.102 Section 682.102 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Purpose and Scope § 682.102...

  18. Student Loans in Ghana.

    ERIC Educational Resources Information Center

    Kotey, N.

    1992-01-01

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

  19. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Selection of students for loans. 674.10 Section 674.10 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.10 Selection of...

  20. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Selection of students for loans. 674.10 Section 674.10 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.10 Selection of...

  1. Understanding Loan Aversion in Education: Evidence from High School Seniors, Community College Students, and Adults. CEPA Working Paper No. 16-15

    ERIC Educational Resources Information Center

    Boatman, Angela; Evans, Brent; Soliz, Adela

    2016-01-01

    Student loans are a crucial aspect of financing a college education for millions of Americans, yet we have surprisingly little empirical evidence concerning individuals' unwillingness to borrow money for educational purposes. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using…

  2. Repaying Your Student Loans, 2003-2004. [Braille Version].

    ERIC Educational Resources Information Center

    Office of Federal Student Aid (ED), Washington, DC.

    This Braille publication explores available options on federal student loans so that borrowers can avoid repayment problems and manage and repay their debts. The guide contains information on repayment plans for Perkins loans, Direct Loans, and Federal Family Education Loans. The repayment options discussed include consolidation, deferment, and…

  3. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions. Any...

  4. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions. Any...

  5. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions. Any...

  6. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions. Any...

  7. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions. Any...

  8. The Hidden Costs of Direct Loans

    ERIC Educational Resources Information Center

    Bruns, Kevin

    2007-01-01

    For more than 40 years, student-loan providers have helped millions of American families achieve the kinds of dreams made possible by the best higher-education system in the world. Federal guaranteed loans, or loans made by individual lenders that are backed by the federal government, have made college more affordable by being the lowest-cost…

  9. Why Students Can Still Get Loans

    ERIC Educational Resources Information Center

    Smith, Skee

    1978-01-01

    The Student Loan Marketing Association (Sallie Mae) is a private profit-making corporation chartered by Congress in 1972 to create a secondary market for Guaranteed Student Loans (a program established by Title IV-B of the 1965 Higher Education Act). Sallie Mae's job is to help lending institutions thaw frozen cash and make more loans. (BM)

  10. 7 CFR 1150.109 - Qualified program.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... AGREEMENTS AND ORDERS; MILK), DEPARTMENT OF AGRICULTURE DAIRY PROMOTION PROGRAM Dairy Promotion and Research Order Definitions § 1150.109 Qualified program. Qualified program means any dairy product promotion, research or nutrition education program which is certified as a qualified program pursuant to § 1150.153...

  11. 7 CFR 1150.109 - Qualified program.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Agreements and Orders; Milk), DEPARTMENT OF AGRICULTURE DAIRY PROMOTION PROGRAM Dairy Promotion and Research Order Definitions § 1150.109 Qualified program. Qualified program means any dairy product promotion, research or nutrition education program which is certified as a qualified program pursuant to § 1150.153...

  12. 7 CFR 1150.109 - Qualified program.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AGREEMENTS AND ORDERS; MILK), DEPARTMENT OF AGRICULTURE DAIRY PROMOTION PROGRAM Dairy Promotion and Research Order Definitions § 1150.109 Qualified program. Qualified program means any dairy product promotion, research or nutrition education program which is certified as a qualified program pursuant to § 1150.153...

  13. 34 CFR 685.212 - Discharge of a loan obligation.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Discharge of a loan obligation. 685.212 Section 685.212 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions § 685.212...

  14. An Opportunity for Social Work Researchers: Climbing out of Educational Loan Debt

    ERIC Educational Resources Information Center

    Burnette, Catherine E.; McCleary, Jennifer S.

    2014-01-01

    Objectives: Recruitment of the needed doctoral level social workers is impeded upon when doctoral graduates experience greater educational debt burden, modest salaries, and limited opportunities for student loan debt repayment. The purpose of this article is to describe a promising opportunity to reduce doctoral level social workers'…

  15. The Use of Private Student Loans at High-Cost Postsecondary Education Institutions in Academic Year 1997-98.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    This study examined the use of private education loans at high-cost private colleges and universities. Responses were received from 100 of the 381 institutions who reported undergraduate tuition and fees, or professional school tuition and fees, of $14,000 or higher in 1996-1997. It was found that on most campuses private student loans play a…

  16. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid to...

  17. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid to...

  18. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid to...

  19. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid to...

  20. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid to...

  1. 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…

  2. 42 CFR 57.1512 - Length and maturity of loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees... shall a loan repayment period exceed the useful life of the facility to be constructed with the...

  3. Cumulative Student Loan Debt in Minnesota, 2015

    ERIC Educational Resources Information Center

    Williams-Wyche, Shaun

    2016-01-01

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

  4. 34 CFR 668.193 - Loan servicing appeals.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  5. 34 CFR 668.212 - Loan servicing appeals.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  6. 34 CFR 685.402 - Criteria for schools to originate loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Criteria for schools to originate loans. 685.402 Section 685.402 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM School...

  7. 34 CFR 682.206 - Due diligence in making a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in making a loan. 682.206 Section 682.206 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM General Provisions § 682.206...

  8. Using New Social Media to Recruit and Retain Qualified Special Education Personnel. Practice Brief

    ERIC Educational Resources Information Center

    Muller, Eve

    2011-01-01

    As communication technologies continue to evolve at an ever-expanding rate, some states and localities are turning to new social media tools as a means of recruiting and retaining qualified education personnel. Based on examples from around the country drawn from early intervention (EI) programs, state education agencies (SEAs), local education…

  9. 42 CFR 60.35 - HEAL loan collection.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false HEAL loan collection. 60.35 Section 60.35 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION ASSISTANCE LOAN PROGRAM The Lender and Holder § 60.35 HEAL loan collection. A lender or holder must exercise due...

  10. 7 CFR 1150.153 - Qualified State or regional dairy product promotion, research or nutrition education programs.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ..., research or nutrition education programs. 1150.153 Section 1150.153 Agriculture Regulations of the... § 1150.153 Qualified State or regional dairy product promotion, research or nutrition education programs... nutrition education program may apply to the Secretary for certification of qualification so that producers...

  11. 7 CFR 1150.153 - Qualified State or regional dairy product promotion, research or nutrition education programs.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., research or nutrition education programs. 1150.153 Section 1150.153 Agriculture Regulations of the... § 1150.153 Qualified State or regional dairy product promotion, research or nutrition education programs... nutrition education program may apply to the Secretary for certification of qualification so that producers...

  12. 34 CFR 674.35 - Deferment of repayment-Federal Perkins loans made before July 1, 1993.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Deferment of repayment-Federal Perkins loans made... Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of Loans § 674.35 Deferment of repayment—Federal Perkins loans made before July 1, 1993. (a...

  13. Exit Counseling Guide for Federal Student Loan Borrowers

    ERIC Educational Resources Information Center

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

    Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…

  14. 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,…

  15. 34 CFR 682.405 - Loan rehabilitation agreement.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... to, a crime involving fraud in obtaining title IV, HEA program assistance, so that the loan may be... loan rehabilitation. (c) A guaranty agency must make available financial and economic education...

  16. When a Student Does Not Qualify for Special Education: Issues and Recommendations

    ERIC Educational Resources Information Center

    Schultz, Edward; Stephens, Tammy L.; Lindt, Suzanne F.

    2015-01-01

    The authors describe the issues that assessment specialists confront when a student referred for special education testing does not qualify for services. This article reviews some of the causes for students not meeting the eligibility requirements and concludes with recommendations to prevent as well as respond appropriately when a designation of…

  17. Student Loans. Direct Loans Could Save Billions in First 5 Years with Proper Implementation. Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

    ERIC Educational Resources Information Center

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

    This paper responds to a congressional request for more information concerning first, the potential cost savings from direct rather than guaranteed student loans and second, the ability of the Department of Education and postsecondary institutions to effectively manage a direct lending program. The report: (1) provides a more complete analysis of…

  18. 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...

  19. 34 CFR 674.63 - Reimbursement to institutions for loan cancellation.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation..., and F is the Federal capital contribution to the Fund. (b) Reimbursement for NDSL and Federal Perkins...

  20. 34 CFR 674.63 - Reimbursement to institutions for loan cancellation.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Loan Cancellation..., and F is the Federal capital contribution to the Fund. (b) Reimbursement for NDSL and Federal Perkins...

  1. Lifelong Learning: Is There a Logic for Loans? The Agency Reports.

    ERIC Educational Resources Information Center

    Fletcher, Mick

    This document explores the feasibility of loans to support English adults engaging in lifelong learning. The following topics are considered: (1) the policy context (loans in higher education, individual learning accounts, and education maintenance allowances); (2) the need for financial support; (3) attitudes toward loans; (3) financial advice,…

  2. Microeconomic loans and health education to families in impoverished communities: implications for the HIV pandemic.

    PubMed

    Sherer, Renslow D; Bronson, John D; Teter, Caroline J; Wykoff, Randolph F

    2004-01-01

    Poverty is among the root causes of death and poor health worldwide. Project HOPE's Village Health Bank (VHB) program is a public health intervention that combines integrated microcredit lending and health education. Groups of 18 to 25 women receive small loans, and biweekly, one-hour health education sessions. Since 1993, about 50,000 women in 949 VHBs have participated in seven countries in the Americas, Africa, and Southeast Asia, receiving more than US$25 million in loans and 8,445 hours of health education. Members of VHBs are charged modest interest rates that enable them to become self-sufficient (eg, able to cover all operating charges, including the costs of the health education staff, and the necessary loan capital to continue without infusion of outside resources). The VHB program produces substantial economic improvements for individuals and groups, and benefits in health knowledge and behaviors, including increased utilization of healthcare services. Data from Guatemala, Malawi, and Thailand demonstrate that VHBs in countries with high HIV prevalence have been comparably successful in spite of the enormous added burdens of chronic illness, deaths, and orphans in need of support. For example, in 2004, 48 percent of 266 VHB members in Malawi experienced at least one death in their household in the preceding year, and 67 percent housed one or more orphans with an average of two orphans per household. Because of the unique combination of increased household economic stability and improved health knowledge, the VHB program is now being adapted to families of people affected by HIV/AIDS, including orphans.

  3. 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…

  4. Defaulted Student Loans. Guarantee Agencies' Collection Practices and Procedures. United States General Accounting Office Briefing Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

    ERIC Educational Resources Information Center

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

    A review was conducted of methods used by the U.S. Department of Education and by state or private nonprofit loan guarantee agencies to protect the federal government's interest when collecting defaulted student loans under the Guaranteed Student Loan Program. Questionnaires were sent to 58 guarantee agencies that administer the program to…

  5. Como reembolsar sus prestamos para estudiantes (Repaying Your Student Loans).

    ERIC Educational Resources Information Center

    Office of Federal Student Aid (ED), Washington, DC.

    This guide, written in Spanish, discusses how to repay student loans. Following a general introduction, the guide discusses the grace period before repayment and repayment requirements. Repayment plans are described for Perkins Loans, Direct Loans, and Federal Family Education Loans. Repayment options are discussed, including consolidation,…

  6. 38 CFR 36.4353 - Withdrawal of authority to close loans on the automatic basis.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... imprudent from a lending standpoint or which are prejudicial to the interests of veterans or the Government...) Automatic loan submissions show deficiencies in credit underwriting, such as use of unstable sources of income to qualify the borrower, ignoring significant adverse credit items affecting the applicant's...

  7. 34 CFR 674.50 - Assignment of defaulted loans to the United States.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Assignment of defaulted loans to the United States. 674.50 Section 674.50 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Due Diligence...

  8. Preparing Special Educators Highly Qualified in Content: Alternative Route Certification for Unlicensed Teachers in Rural Georgia

    ERIC Educational Resources Information Center

    Childre, Amy L.

    2014-01-01

    The shortage of highly qualified special educators is most pronounced in rural schools serving populations characterized by poverty, low achievement, disability, and cultural diversity. The result is often untrained teachers serving students with the greatest education needs. This article describes efforts by a university in rural middle Georgia…

  9. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1510... facility and site thereof. (b) Negotiable stocks or bonds of a quality and value acceptable to the...

  10. 34 CFR 682.300 - Payment of interest benefits on Stafford and Consolidation loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Payment of interest benefits on Stafford and Consolidation loans. 682.300 Section 682.300 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL...

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

    ERIC Educational Resources Information Center

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

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

  12. Condemning Students to Debt: College Loans and Public Policy.

    ERIC Educational Resources Information Center

    Fossey, Richard, Ed.; Bateman, Mark, Ed.

    The 10 chapters of this book on the effects of the federal student loan program focus on five major issues: first, that expanding access to postsecondary education is in the national interest; second, the inconsistency in student loan policy; third, increasing federal regulation of higher education; fourth, the fact that rising costs are making…

  13. 75 FR 29744 - Federal Pell Grant, Federal Perkins Loan, Federal Work-Study, Federal Supplemental Educational...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-27

    ... DEPARTMENT OF EDUCATION Federal Pell Grant, Federal Perkins Loan, Federal Work-Study, Federal... Analysis Methodology for the 2011-2012 award year. SUMMARY: The Secretary announces the annual updates to the tables that will be used in the statutory ``Federal Need Analysis Methodology'' to determine a...

  14. Federal Family Education Loan Information System. Weak Computer Controls Increase Risk of Unauthorized Access to Sensitive Data. Report to the Secretary of Education.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC. Accounting and Information Management Div.

    This report presents an evaluation of the general controls over the Federal Family Education Loan Program (FFELP) information system maintained and operated by a contractor for the U.S. Department of Education (ED), which administers FFELP. The evaluation found that ED's general controls over the FFELP information system did not adequately protect…

  15. The Public Realities of Private Student Loans. Policy Matters: A Higher Education Policy Brief

    ERIC Educational Resources Information Center

    Harnisch, Thomas

    2008-01-01

    The use of private loans to finance college education has significantly increased in the last decade. Insufficient public financial aid support, a complex federal aid application process, aggressive marketing by private lenders, and an unwillingness by some parents to borrow under the federal PLUS program are leading students to take out what can…

  16. 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...

  17. Explicit and Implicit Perspectives on Research-Based Teacher Education: Newly Qualified Teachers' Experiences in Finland

    ERIC Educational Resources Information Center

    Aspfors, Jessica; Eklund, Gunilla

    2017-01-01

    Much of the international debate and research on teacher education has centred on how the preparation of teachers should be organised. In contrast to many other countries, teacher education in Finland has been university-based for decades and has a strong research-based approach. This inductive study describes newly qualified teachers' (NQTs)…

  18. The Prevalence of Multiple-Choice Testing in Registered Nurse Licensure-Qualifying Nursing Education Programs in New York State.

    PubMed

    Birkhead, Susan; Kelman, Glenda; Zittel, Barbara; Jatulis, Linnea

    The aim of this study was to describe nurse educators' use of multiple-choice questions (MCQs) in testing in registered nurse licensure-qualifying nursing education programs in New York State. This study was a descriptive correlational analysis of data obtained from surveying 1,559 nurse educators; 297 educators from 61 institutions responded (response rate [RR] = 19 percent), yielding a final cohort of 200. MCQs were reported to comprise a mean of 81 percent of questions on a typical test. Baccalaureate program respondents were equally likely to use MCQs as associate degree program respondents (p > .05) but were more likely to report using other methods of assessing student achievement to construct course grades (p < .01). Both groups reported little use of alternate format-type questions. Respondent educators reported substantial reliance upon the use of MCQs, corroborating the limited data quantifying the prevalence of use of MCQ tests in licensure-qualifying nursing education programs.

  19. 78 FR 17647 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-22

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

  20. 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…

  1. 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…

  2. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...

  3. 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...

  4. 7 CFR 1751.103 - Loan and loan advance requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...

  5. 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…

  6. 77 FR 28572 - Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-15

    ... (LVC) will serve as the means by which the U.S. Department of Education (the Department) collects certain information from commercial holders of Federal Family Education Loan (FFEL) Program loans that a... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Loan...

  7. Improving the Financial Aid Delivery Process and the Federal Family Education Loan Program: Program Recommendations.

    ERIC Educational Resources Information Center

    Coalition for Student Loan Reform, Washington, DC.

    This publication presents a set of eight recommended reforms and improvements for delivering financial aid to postsecondary students especially the Federal Family Education Loan Program (FFELP). The recommendations are: (1) make applying for student aid simpler for students; (2) assure the continued availability of a dependable, reliable source of…

  8. 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…

  9. 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...

  10. Financial Audit. Federal Family Education Loan Program's Financial Statements for Fiscal Years 1993 and 1992. Report to the Congress and the Secretary of Education.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

    This report presents findings of an audit of the Principal Statements of the Department of Education's (ED) Federal Family Education Loan Program (FFELP) and its internal controls and compliance with laws and regulations for the fiscal years ending September 30, 1993, and September 30, 1992. The audit investigated whether the Principal Statements…

  11. Affordable at Last: A New Student Loan System. Education Sector Reports

    ERIC Educational Resources Information Center

    Dillon, Erin

    2011-01-01

    Student loan debt is fast becoming a fact of American life. Students are borrowing more money for college and are being forced to pay back large sums of their income. This report offers a new way to pay back student loans based on each individual's earnings. International Income-Contingent Loan Systems are appended. (Contains 1 figure and 40…

  12. Deeper in Debt: Women and Student Loans

    ERIC Educational Resources Information Center

    Miller, Kevin

    2017-01-01

    Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and the amount of student debt that students assume has increased along with the price of attending college. At this time about 44 million…

  13. 34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Special terms: loans to less than half-time student borrowers. 674.32 Section 674.32 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of...

  14. 34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Special terms: loans to less than half-time student borrowers. 674.32 Section 674.32 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of...

  15. 34 CFR 674.37 - Deferment of repayment-NDSLs made before October 1, 1980 and Defense loans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN...) The institution of higher education does not need to be participating in the Perkins Loan program for...

  16. 34 CFR 674.37 - Deferment of repayment-NDSLs made before October 1, 1980 and Defense loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN...) The institution of higher education does not need to be participating in the Perkins Loan program for...

  17. 78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-30

    ...The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA). Regulation Z currently prohibits a creditor from making a higher-priced mortgage loan without regard to the consumer's ability to repay the loan. The final rule implements sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which generally require creditors to make a reasonable, good faith determination of a consumer's ability to repay any consumer credit transaction secured by a dwelling (excluding an open-end credit plan, timeshare plan, reverse mortgage, or temporary loan) and establishes certain protections from liability under this requirement for ``qualified mortgages.'' The final rule also implements section 1414 of the Dodd-Frank Act, which limits prepayment penalties. Finally, the final rule requires creditors to retain evidence of compliance with the rule for three years after a covered loan is consummated.

  18. Direct Student Loans: Overpayments during the Department of Education's Conversion to a New Payment System.

    ERIC Educational Resources Information Center

    Joyner, Carlotta C.

    This report addresses concerns that the Department of Education may have erroneously made overpayments of as much as $400 million to schools participating in the William D. Ford Federal Direct Loan Program (FDLP) during the Department's conversion to a new computerized payment system. The investigation found that because the transition to the new…

  19. A Special Report on the Alaska Commission on Postsecondary Education--Collection of Defaulted Student Loans.

    ERIC Educational Resources Information Center

    Welker, Randy S.

    In accordance with a Legislative Budget and Audit Committee special request and the provisions of Title 24 of the Alaska Statutes, a review was conducted of the Alaska Commission on Postsecondary Education's experience with various collection contractors used to collect defaulted student loans. The primary purpose was to assess the success that…

  20. The Role of Student Loans in College Access. Research Report.

    ERIC Educational Resources Information Center

    Baum, Sandy

    This paper discusses the role of student loans in college access. Borrowing to pay for education is a sound decision for most students, and student loans are a vital part of college financing policy. There has been a considerable increase in student borrowing, and much of this results from the introduction of the Stafford Loan in 1993. Borrowing…

  1. Federal Student Loans: Better Oversight Could Improve Defaulted Loan Rehabilitation. Report to Congressional Requesters. GAO-14-256

    ERIC Educational Resources Information Center

    Emrey-Arras, Melissa

    2014-01-01

    The Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain…

  2. Guaranteed Student Loan Program 1981. State Agency Survey.

    ERIC Educational Resources Information Center

    New York State Higher Education Services Corp., Albany.

    Responses to a questionnaire circulated in March 1981 are summarized. Data were gathered from all states regarding the federal Guaranteed Student Loan Program (GSL) and the state guarantee agencies on: guarantee agency organizational types; dates of GSL agreements with the Department of Education; states that guaranteed loans before GSL;…

  3. Direct Loan Cash Management and Data Matching (Reconciliation).

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This guide for institutions of higher education and other schools receiving funds under the William D. Ford Direct Loan Program details required and recommended procedures for the reconciliation process. The reconciliation process is explained to include cash management (the accounting for Direct Loan funds drawn down and disbursed to borrowers)…

  4. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Residential real estate loans, small business loans, and small farm loans. 32.7 Section 32.7 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY LENDING LIMITS § 32.7 Residential real estate loans, small business loans, and small...

  5. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Residential real estate loans, small business loans, and small farm loans. 32.7 Section 32.7 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY LENDING LIMITS § 32.7 Residential real estate loans, small business loans, and small...

  6. The Learning Intentions of Low-Qualified Employees: A Multilevel Approach

    ERIC Educational Resources Information Center

    Kyndt, Eva; Dochy, Filip; Onghena, Patrick; Baert, Herman

    2013-01-01

    In the continuously changing society and knowledge-intensive economy, the demand for the recurrent updating of competencies is coming to the fore for all employees, including low-qualified employees. Employees are considered low qualified when they do not have a starter qualification for higher education. Although many educational studies have…

  7. 34 CFR 674.50 - Assignment of defaulted loans to the United States.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Due Diligence... to collect on the loan despite complying with the diligence procedures, including at least a first... all of the due diligence requirements described in paragraph (a)(1) of this section if the institution...

  8. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other...

  9. Student Loan Forbearance and Its Relationship to Default. Synopsis: Higher Education Research Highlights.

    ERIC Educational Resources Information Center

    Price, Derek V.

    As the number and volume of student loans increase nationally, lenders and policymakers look more closely at the use of loan forbearance. This paper examines whether forbearance really cuts the risk of loan default by reporting on a study of more than 9,800 Stafford loans in forbearance in December 1996. That research shows that the default rate…

  10. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-15

    ... Nurse Anesthetists.). (l) Podiatry: D.P.M. (m) Physical Rehabilitation Services: Physical Therapy... program site determined by the Secretary. Loan repayment sites are characterized by physical, cultural... allopathic medicine, family medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and...

  11. Options to Change Interest Rates and Other Terms on Student Loans

    ERIC Educational Resources Information Center

    Congressional Budget Office, 2013

    2013-01-01

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

  12. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 4 2011-07-01 2011-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

  13. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Processing the borrower's loan proceeds and counseling...'s loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling borrowers...

  14. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 4 2012-07-01 2012-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

  15. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 4 2013-07-01 2013-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

  16. In Every Core Class, a Qualified Teacher...

    ERIC Educational Resources Information Center

    Keller, Bess

    2006-01-01

    This article reports the teacher-quality plans of putting a highly qualified teacher in every core class which were due to the Education Department in July 7. In the plans, states are required to describe which groups of teachers are not yet highly qualified according to the federal standard, how they would help--and prod--districts to use only…

  17. 78 FR 7787 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-04

    ...: Physical Therapy, Occupational Therapy, Speech-Language Pathology, and Audiology: M.S. and D.P.T. (q... site determined by the Secretary. Loan repayment sites are characterized by physical, cultural, and..., internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine, nursing...

  18. Deeper in Debt: Women and Student Loans. Executive Summary and Recommendations

    ERIC Educational Resources Information Center

    Miller, Kevin

    2017-01-01

    This document provides a summary of and recommendations from the larger report, "Deeper in Debt: Women and Student Loans" (ED580345). Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and…

  19. 78 FR 52169 - Agency Information Collection Activities; Comment Request; Federal Direct Stafford/Ford Loan and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-22

    ...; Comment Request; Federal Direct Stafford/Ford Loan and Federal Direct Subsidized/ Unsubsidized Stafford/Ford Loan Master Promissory Note AGENCY: Department of Education (ED), Federal Student Aid (FSA... Stafford/Ford Loan and Federal Direct Subsidized/Unsubsidized Stafford/Ford Loan Master Promissory Note...

  20. The Cost of the Consolidation Option for Student Loans. A CBO Paper

    ERIC Educational Resources Information Center

    Weinberg, Steven; Moore, Damien

    2006-01-01

    The federal government's student loan programs for higher education convey substantial financial benefits to borrowers because of their broad availability and favorable terms. Of the various provisions included in a federal student loan contract, the option to consolidate individual loans contributes greatly to a borrower's benefits and the cost…

  1. Examination of Financial Statements of Student Loan Insurance Fund Fiscal Year 1973.

    ERIC Educational Resources Information Center

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

    This document examines the fiscal year 1973 financial statements of the Student Loan Insurance Fund, administered by the Office of Education, Department of Health, Education, and Welfare. Findings indicate: (1) The automated Guaranteed Student Loan System (GSLS) contains inaccurate data files and computer programs that do not process the data…

  2. 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

    ... borrowers in the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford... mailed to [email protected] or mailed to U.S. Department of Education, 400 Maryland Avenue SW., LBJ...

  3. Testimony: Combating the Student Loan Burden

    ERIC Educational Resources Information Center

    Helmcamp, Leslie

    2012-01-01

    The Center for Public Policy Priorities (CPPP) provides written testimony on the Senate Higher Education Committee interim charges exploring student financial aid and the issue of student loan debt Texas institutions of higher education. This paper highlights recommendations for strengthening and improving the financial aid system in Texas to…

  4. Multivariate Analysis of Student Loan Defaulters at Texas A&M University--Kingsville

    ERIC Educational Resources Information Center

    Barone, Sandra; Steiner, Matt; Teszler, Natali

    2005-01-01

    This study examines the default behavior of 5,177 undergraduate student borrowers who attended Texas A&M University--Kingsville (TAMUK) and entered repayment of their TG-guaranteed Federal Family Education Loan Program (FFELP) loans between October 1, 1998 and September 30, 2002 (fiscal years 1999-2002). Using the Department of Education's…

  5. Multivariate Analysis of Student Loan Defaulters at Prairie View A&M University

    ERIC Educational Resources Information Center

    Barone, Sandra

    2006-01-01

    This study examines the default behavior of 3,325 undergraduate student borrowers who attended Prairie View A&M University (PVAMU) and entered repayment on their TG-guaranteed Federal Family Education Loan Program (FFELP) loans between October 1, 2000 and September 30, 2002 (fiscal years 2001-2002). Using the Department of Education's official…

  6. 26 CFR 1.593-6 - Pre-1970 addition to reserve for losses on qualifying real property loans.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... includes earnings outstanding on the books of account of the taxpayer at the close of the taxable year... of intention to withdraw. In the case of a domestic building and loan association, however, such...

  7. Direct Student Loan Program: Management Actions Could Enhance Customer Service. Report to the Ranking Minority Member, Committee on Health, Education, Labor, and Pensions, U.S. Senate.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

    This report suggests to congress that they consider clarifying whether Education may regulate the fees charged to borrowers under the Direct Loan Program. It also suggests that FSA collect information from schools that could be used to make improvements to the Direct Loan Program. (Author)

  8. Financial Aid for Students Workbook, 1994-95 School Year = Ayuda Financiera para Estudiantes, Libreta del Ano Escolar 1994-95.

    ERIC Educational Resources Information Center

    California Student Aid Commission, Sacramento.

    Presented in both English and Spanish language formats, this workbook explains how California residents can qualify for and obtain student financial aid in the form of federal and state grants and loans, work-study programs, institutional grants, federal campus-based programs, and the Federal Family Education Loan Program loans. A calendar of…

  9. Opinion and Special Articles: Loan forgiveness options for young neurologists: Current landscape and practice implications.

    PubMed

    George, Benjamin P; Dorsey, E Ray; Grischkan, Justin A

    2017-04-11

    Increasing education debt has led to the availability of a variety of loan forgiveness options including the Department of Education's Public Service Loan Forgiveness (PSLF) program. This article discusses the current landscape of loan forgiveness options including trends in PSLF for rising neurology trainees, and implications for choices in specialization, employment, practice location, and the pursuit of an academic career. We further provide guidance on how to navigate the various loan forgiveness options that neurology residents and fellows may consider. © 2017 American Academy of Neurology.

  10. 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…

  11. Relationship between Student Loan Borrowing of Money and Degree Completion for Students at Two-Year Colleges

    ERIC Educational Resources Information Center

    Easttorp, Karl

    2017-01-01

    The cost of a college education continues to trend upward and state funding for higher education has trended downward, shifting more of the financial burden to students through student loans. About half of all 2010-2011 financial aid originated from student loans, and total federal student loan borrowing rose 319% between 1990 and 2010.…

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

    ERIC Educational Resources Information Center

    Alsalam, Nabeel

    2004-01-01

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

  13. Reauthorization of the Higher Education Act. Guaranteed Student Loans, Volume 1. Hearing before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Ninth Congress, First Session (June 4, 5, 11, 13, 19, and 20, 1985).

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. House Committee on Education and Labor.

    Hearings on reauthorization of the Higher Education Act, and specifically Guaranteed Student Loans (GSL), are presented, with a focus on issues of multiple disbursements, loan consolidation, subsidies, and copayments. Witnesses represent the lending institutions, secondary markets, and students. The GSL program is designed to promote the…

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

    ERIC Educational Resources Information Center

    Nyahende, Veronica R.

    2013-01-01

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

  15. Student Loans: A Slippery Lifeline.

    ERIC Educational Resources Information Center

    Bollag, Burton

    2001-01-01

    Discusses how, as more countries have instituted or increased tuition, student loans have spread. But the programs are a flop in much of the world, raising fears that many low-income people will be shut out of higher education. (EV)

  16. 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...

  17. Creating Mentoring Programs as a Means of Retaining Qualified Special Education Personnel. Practice Brief. Winter 2011

    ERIC Educational Resources Information Center

    Muller, Eve

    2011-01-01

    In response to high rates of attrition, increasing numbers of states and localities are developing mentoring programs as a means of retaining qualified special education personnel. Based on examples drawn from around the country, including states and localities with which the Personnel Improvement Center (PIC) has worked, this practice brief…

  18. 42 CFR 57.209 - Payment of health professions student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Payment of health professions student loans. 57.209 Section 57.209 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS...

  19. What Are the Consequences of the Newly Implemented 24+Advanced Learning Loans on Retention of Adult Access to Higher Education Students?

    ERIC Educational Resources Information Center

    Burns, Jane Marie; Slack, Kim

    2015-01-01

    This article discusses the previous literature on student retention in the post-compulsory education sector and the "24+Advanced Learning Loan". Adult students participating in an Access to Higher Education course are at particularly high risk of non-completion. Literature indicates that whilst stakeholders may require factual statistics…

  20. Paying for College: Student Loans and Alternative Financing Mechanisms.

    ERIC Educational Resources Information Center

    Eureka Project, Sacramento, CA.

    As a part of a study on financing higher education in California, information is presented on student loans and alternative methods of financing. Part 1 reviews problems caused by a heavy reliance on the federal Guaranteed Student Loan program (GSL). It discusses troubles of the GSL program; the lack of policy purpose; program costs; defaults;…

  1. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... graduate fellowship program approved by the Secretary; (iii) Engaged in graduate or post-graduate... money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs. (9) In determining a borrower's Federal education debt burden under paragraphs (e)(4) of this section...

  2. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... graduate fellowship program approved by the Secretary; (iii) Engaged in graduate or post-graduate... money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs. (9) In determining a borrower's Federal education debt burden under paragraphs (e)(4) of this section...

  3. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... graduate fellowship program approved by the Secretary; (iii) Engaged in graduate or post-graduate... money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs. (9) In determining a borrower's Federal education debt burden under paragraphs (e)(4) of this section...

  4. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans (“Supplemental Lending...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Residential real estate loans, small business loans, and small farm loans (âSupplemental Lending Limits Programâ). 32.7 Section 32.7 Banks and Banking..., small business loans, and small farm loans (“Supplemental Lending Limits Program”). (a) Residential real...

  5. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans (“Supplemental Lending...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Residential real estate loans, small business loans, and small farm loans (âSupplemental Lending Limits Programâ). 32.7 Section 32.7 Banks and Banking..., small business loans, and small farm loans (“Supplemental Lending Limits Program”). (a) Residential real...

  6. 26 CFR 1.593-8 - Allocation of pre-1952 surplus to opening balance of reserve for losses on qualifying real...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 7 2011-04-01 2009-04-01 true Allocation of pre-1952 surplus to opening balance... (CONTINUED) Mutual Savings Banks, Etc. § 1.593-8 Allocation of pre-1952 surplus to opening balance of reserve... the opening balance of the reserve for losses on qualifying real property loans is less than an amount...

  7. 26 CFR 1.593-8 - Allocation of pre-1952 surplus to opening balance of reserve for losses on qualifying real...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Allocation of pre-1952 surplus to opening balance... (CONTINUED) Mutual Savings Banks, Etc. § 1.593-8 Allocation of pre-1952 surplus to opening balance of reserve... the opening balance of the reserve for losses on qualifying real property loans is less than an amount...

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

    PubMed

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

    2017-09-01

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

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 34 CFR 682.409 - Mandatory assignment by guaranty agencies of defaulted loans to the Secretary.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... loans to the Secretary. 682.409 Section 682.409 Education Regulations of the Offices of the Department... loans must be assigned to the Secretary, an agency must assign any loan that meets all of the following... standard under paragraph (a)(2)(ii) of this section for a loan type, and the Secretary determines that...

  15. 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.

  16. 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...

  17. Private Student Loans. Report to the Senate Committee on Banking, Housing, and Urban Affairs, the Senate Committee on Health, Education, Labor, and Pensions, the House of Representatives Committee on Financial Services, and the House of Representatives Committee on Education and the Workforce

    ERIC Educational Resources Information Center

    Consumer Financial Protection Bureau, 2012

    2012-01-01

    American consumers owe more than $150 billion in outstanding private student loan debt. While this amount is significantly less than the amount outstanding on student loans guaranteed by the federal government, the private student loan ("PSL") product is an important component of higher education finance and does not appear to be well…

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

    ERIC Educational Resources Information Center

    Gandhi, Sima J.

    2008-01-01

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

  19. Disparities in Debt: Parents' Socioeconomic Resources and Young Adult Student Loan Debt

    ERIC Educational Resources Information Center

    Houle, Jason N.

    2014-01-01

    In an era of rising college costs and stagnant grant-based student aid, many young adults rely on their parents' resources and student loans to pay for their postsecondary education. In this study I ask how parents' income and education are linked to young adults' student loan debt. I develop and test two perspectives regarding the…

  20. Profitability of Qualified-Labour-Power Production

    ERIC Educational Resources Information Center

    Baldino, Roberto Ribeiro; Cabral, Tânia Cristina Baptista

    2015-01-01

    In Baldino and Cabral (2013) we introduced the concept of qualified labour-power as the commodity produced by the school system. In the present article we outline a quantitative model to evaluate the profit rate of educational programmes. We compare a medical school programme with a teacher education programme at a public university in Brazil,…

  1. Key Aspects of the Federal Direct Loan Program's Cost Estimates: Department of Education. Report to Congressional Requesters.

    ERIC Educational Resources Information Center

    Calbom, Linda M.; Ashby, Cornelia M.

    Because of concerns about the Department of Education's reliance on estimates to project costs of the William D. Ford Federal Direct Loan Program (FDLP) and a lack of historical information on which to base those estimates, Congress asked the General Accounting Office (GAO) to review how the department develops its cost estimates for the program,…

  2. Default Rate on Student Loans Falls for 2005 Fiscal Year

    ERIC Educational Resources Information Center

    Basken, Paul

    2007-01-01

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

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

    ERIC Educational Resources Information Center

    Walker, Kimberly DeVette

    2012-01-01

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

  4. 34 CFR 682.405 - Loan rehabilitation agreement.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... to, a crime involving fraud in obtaining title IV, HEA program assistance, so that the loan may be... economic education materials, including debt management information, to any borrower who has rehabilitated...

  5. 34 CFR 682.405 - Loan rehabilitation agreement.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... to, a crime involving fraud in obtaining title IV, HEA program assistance, so that the loan may be... economic education materials, including debt management information, to any borrower who has rehabilitated...

  6. 34 CFR 682.405 - Loan rehabilitation agreement.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... to, a crime involving fraud in obtaining title IV, HEA program assistance, so that the loan may be... economic education materials, including debt management information, to any borrower who has rehabilitated...

  7. 77 FR 3269 - Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-23

    ... Anesthetists.). (o) Podiatry: D.P.M. (p) Physical Rehabilitation Services: Physical Therapy, Occupational... by the Secretary. Loan repayment sites are characterized by physical, cultural, and professional... medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine...

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

    PubMed Central

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

    2017-01-01

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

  9. Preparedness of newly qualified midwives to deliver clinical care: an evaluation of pre-registration midwifery education through an analysis of key events.

    PubMed

    Skirton, Heather; Stephen, Nicole; Doris, Faye; Cooper, Maggie; Avis, Mark; Fraser, Diane M

    2012-10-01

    this study was part of a larger project commissioned to ascertain whether midwife teachers bring a unique contribution to the preparation of midwives for practice. The aim of this phase was to determine whether the student midwives' educational programme had equipped them to practise competently after entry to the professional register. this was a prospective, longitudinal qualitative study, using participant diaries to collect data. data were collected from newly qualified midwives during the initial six months after they commenced their first post as a qualified midwife. the potential participants were all student midwives who were completing their education at one of six Universities (three in England, one in Scotland, one in Wales and one in Northern Ireland). Diary data were submitted by 35 newly qualified midwives; 28 were graduates of the three year programme and seven of the shortened programme. diary entries were analysed using thematic analysis (Braun and Clarke, 2006), with a focus on identification of key events in the working lives of the newly qualified midwives. A total of 263 key events were identified, under three main themes: (1) impact of the event on confidence, (2) gaps in knowledge or experience and (3) articulated frustration, conflict or distress. essentially, pre-registration education, delivered largely by midwife teachers and supported by clinical mentors, has been shown to equip newly qualified midwives to work effectively as autonomous practitioners caring for mothers and babies. While newly qualified midwives are able to cope with a range of challenging clinical situations in a safe manner, they lack confidence in key areas. Positive reinforcement by supportive colleagues plays a significant role in enabling them to develop as practitioners. whilst acknowledging the importance of normality in childbearing there is a need within the curriculum to enable midwives to recognise and respond to complex care situations by providing theory

  10. Medical Residents: Options Exist To Make Student Loan Payments Manageable. Report to Congressional Requesters.

    ERIC Educational Resources Information Center

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

    A study was done to evaluate the ability of medical residents to repay their Stafford loan educational debt with a repayment deferment limit of 2 years. Using data on 1990 medical school graduates, the study compared medical residents' educational debt burdens to a financial hardship indicator keyed to loan default prevention. Results indicated…

  11. 78 FR 52169 - Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-22

    ... DEPARTMENT OF EDUCATION [Docket No. ED-2013-ICCD-0109] Agency Information Collection Activities; Comment Request; William D. Ford Federal Direct Loan (Direct Loan) Program Federal Direct PLUS Loan Master... to this notice will be considered public records. Title of Collection: William D. Ford Federal Direct...

  12. 34 CFR 685.217 - Teacher loan forgiveness program.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  13. 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...

  14. Newly qualified doctors' perceptions of informal learning from nurses: implications for interprofessional education and practice.

    PubMed

    Burford, Bryan; Morrow, Gill; Morrison, Jill; Baldauf, Beate; Spencer, John; Johnson, Neil; Rothwell, Charlotte; Peile, Ed; Davies, Carol; Allen, Maggie; Illing, Jan

    2013-09-01

    Newly qualified doctors spend much of their time with nurses, but little research has considered informal learning during that formative contact. This article reports findings from a multiple case study that explored what newly qualified doctors felt they learned from nurses in the workplace. Analysis of interviews conducted with UK doctors in their first year of practice identified four overarching themes: attitudes towards working with nurses, learning about roles, professional hierarchies and learning skills. Informal learning was found to contribute to the newly qualified doctors' knowledge of their own and others' roles. A dynamic hierarchy was identified: one in which a "pragmatic hierarchy" recognising nurses' expertise was superseded by a "normative structural hierarchy" that reinforced the notion of medical dominance. Alongside the implicit learning of roles, nurses contributed to the explicit learning of skills and captured doctors' errors, with implications for patient safety. The findings are discussed in relation to professional socialisation. Issues of power between the professions are also considered. It is concluded that increasing both medical and nursing professions' awareness of informal workplace learning may improve the efficiency of education in restricted working hours. A culture in which informal learning is embedded may also have benefits for patient safety.

  15. 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…

  16. 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...

  17. 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...

  18. 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...

  19. 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...

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

    ERIC Educational Resources Information Center

    Blanchette, Cornelia M.

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

  1. Enhancing the Employability of Newly Qualified Nurses: A Pilot Study

    ERIC Educational Resources Information Center

    Dray, Beattie; Burke, Linda; Hurst, Heather M.; Ferguson, Anne; Marks-Maran, Diane

    2011-01-01

    Vocationally based higher education programmes are meant to prepare people for employment in their chosen fields of study. In nursing, historically, employment after qualifying has been almost assured, with sufficient vacancies available for newly qualified nurses. Recently, however, for a number of reasons, primarily related to economic…

  2. 75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-16

    ...-AC62 Loan Policies and Operations; Loan Purchases From FDIC AGENCY: Farm Credit Administration. ACTION... authority to purchase from the Federal Deposit Insurance Corporation loans to farmers, ranchers, producers... Federal Deposit Insurance Corporation loans to farmers, ranchers, producers or harvesters of aquatic...

  3. 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...

  4. 34 CFR 685.217 - Teacher loan forgiveness program.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... for five 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... forgiveness if the borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics...

  5. 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...

  6. 34 CFR 685.217 - Teacher loan forgiveness program.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... for five 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... forgiveness if the borrower— (A) Demonstrated knowledge and teaching skills in reading, writing, mathematics...

  7. 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...

  8. 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...

  9. Lowering Student Loan Default Rates: What One Consortium of Historically Black Institutions Did to Succeed. Education Sector Reports

    ERIC Educational Resources Information Center

    Dillon, Erin; Smiles, Robin V.

    2010-01-01

    Colleges across the nation are struggling to confront a growing problem in higher education: student debt. As more students borrow more money than ever before, and recent graduates enter the worst job market in a generation, students are increasingly unable to pay back their loans. This report discusses the growing problem of students defaulting…

  10. Managing Student Loan Default Risk: Evidence from a Privately Guaranteed Portfolio.

    ERIC Educational Resources Information Center

    Monteverde, Kirk

    2000-01-01

    Application of the statistical techniques of survival analysis and credit scoring to private education loans extended to law students found a pronounced seasoning effect for such loans and the robust predictive power of credit bureau scoring of borrowers. Other predictors of default included school-of-attendance, school's geographic location, and…

  11. 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...

  12. Student Loans Driving You Crazy? A Borrower's Guide to Direct Consolidation Loans.

    ERIC Educational Resources Information Center

    Office of Federal Student Aid (ED), Washington, DC.

    This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…

  13. The Direct Loan Reconciliation Game.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This training guide for a one-day workshop provides an introduction to the William D. Ford Federal Direct Loan Program for administrative personnel at higher education institutions. The six sections of the guide, each corresponding to a workshop session, include activity sheets, questions for participants to answer, and space for notes. Following…

  14. The Impact of Increased Loan Utilization among Low Family Income Students.

    ERIC Educational Resources Information Center

    Mortenson, Thomas G.

    This study used economic investment theory and attitudinal survey data to examine the relationship between the decline in low-income participation in higher education and the substitution of loans for grants in federal student financial aid programs. Loans are seen to substantially decrease the net benefits of college attendance to low-income…

  15. 33 CFR 154.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... BULK Response Plans for Oil Facilities § 154.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate who meet... implementation of the facility response plan; and (4) Be trained in the responsibilities of the qualified...

  16. 33 CFR 154.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... BULK Response Plans for Oil Facilities § 154.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate who meet... implementation of the facility response plan; and (4) Be trained in the responsibilities of the qualified...

  17. 33 CFR 154.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... BULK Response Plans for Oil Facilities § 154.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate who meet... implementation of the facility response plan; and (4) Be trained in the responsibilities of the qualified...

  18. 33 CFR 154.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... BULK Response Plans for Oil Facilities § 154.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate who meet... implementation of the facility response plan; and (4) Be trained in the responsibilities of the qualified...

  19. 76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-20

    ... benefits the veteran by eliminating the delinquency and granting a ``fresh start'' on payment of the loan... delinquency, could raise serious questions about the veteran's ability to repay the modified loan. That would... accrued delinquency, then there is no need to require that payments on a modified loan be lower than the...

  20. An analysis of delegation styles among newly qualified nurses.

    PubMed

    Magnusson, Carin; Allan, Helen; Horton, Khim; Johnson, Martin; Evans, Karen; Ball, Elaine

    2017-02-15

    Aim The aim of this research was to explore how newly qualified nurses learn to organise, delegate and supervise care in hospital wards when working with and supervising healthcare assistants. It was part of a wider UK research project to explore how newly qualified nurses recontextualise the knowledge they have gained during their pre-registration nurse education programmes for use in clinical practice. Method Ethnographic case studies were conducted in three hospital sites in England. Data collection methods included participant observations and semi-structured interviews with newly qualified nurses, healthcare assistants and ward managers. A thematic analysis was used to examine the data collected. Findings Five styles of how newly qualified nurses delegated care to healthcare assistants were identified: the do-it-all nurse, who completes most of the work themselves; the justifier, who over-explains the reasons for decisions and is sometimes defensive; the buddy, who wants to be everybody's friend and avoids assuming authority; the role model, who hopes that others will copy their best practice but has no way of ensuring how; and the inspector, who is acutely aware of their accountability and constantly checks the work of others. Conclusion Newly qualified nurses require educational and organisational support to develop safe and effective delegation skills, because suboptimal or no delegation can have negative effects on patient safety and care.

  1. 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...

  2. 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...

  3. Maryland State Department of Education Reporting of Highly Qualified Teachers. Memorandum

    ERIC Educational Resources Information Center

    Starr, Joshua P.

    2014-01-01

    The federal "No Child Left Behind Act of 2001" (NCLB) legislation required school districts to ensure that all teachers of core academic subjects met the requirements to be designated highly qualified by July 1, 2006. However, because no Maryland counties were able to comply with the 100 percent highly qualified designation by July 1,…

  4. Loans for Vocational Education and Training in Europe. Research Paper. Number 20

    ERIC Educational Resources Information Center

    Cedefop - European Centre for the Development of Vocational Training, 2012

    2012-01-01

    This report reviews the use of loans for learning in 33 European countries and analyses the schemes in eight selected Member States: France, Hungary, the Netherlands, Austria, Poland, Finland, Sweden and the UK. The analysis shows that loan schemes vary considerably across Europe in terms of types and levels of learning covered, conditions of…

  5. Student Loan Assistance Amendments of 1982. Hearing Before the Subcommittee on Education, Arts and Humanities of the Committee on Labor and Human Resources, United States Senate. Ninety-Seventh Congress, Second Session on S. 2655.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.

    Hearings of the Committee on Education and Labor on the proposed Student Loan Assistance Amendments of 1982 are presented. The bill (S. 2655) is designed to provide increased maximum limitations for student loans under Part B of Title IV of the Higher Education Act of 1965 for certain students who lost benefits under the Social Security Act as a…

  6. 78 FR 59011 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-25

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

  7. Sick of our loans: Student borrowing and the mental health of young adults in the United States.

    PubMed

    Walsemann, Katrina M; Gee, Gilbert C; Gentile, Danielle

    2015-01-01

    Student loans are increasingly important and commonplace, especially among recent cohorts of young adults in the United States. These loans facilitate the acquisition of human capital in the form of education, but may also lead to stress and worries related to repayment. This study investigated two questions: 1) what is the association between the cumulative amount of student loans borrowed over the course of schooling and psychological functioning when individuals are 25-31 years old; and 2) what is the association between annual student loan borrowing and psychological functioning among currently enrolled college students? We also examined whether these relationships varied by parental wealth, college enrollment history (e.g. 2-year versus 4-year college), and educational attainment (for cumulative student loans only). We analyzed data from the National Longitudinal Survey of Youth 1997 (NLSY97), a nationally representative sample of young adults in the United States. Analyses employed multivariate linear regression and within-person fixed-effects models. Student loans were associated with poorer psychological functioning, adjusting for covariates, in both the multivariate linear regression and the within-person fixed effects models. This association varied by level of parental wealth in the multivariate linear regression models only, and did not vary by college enrollment history or educational attainment. The present findings raise novel questions for further research regarding student loan debt and the possible spillover effects on other life circumstances, such as occupational trajectories and health inequities. The study of student loans is even more timely and significant given the ongoing rise in the costs of higher education. Copyright © 2014 Elsevier Ltd. All rights reserved.

  8. Student Loans: Federal Web-Based Tool on Private Loans Would Pose Implementation Challenges and May Be Unnecessary. Report to Congressional Committees. GAO-10-990

    ERIC Educational Resources Information Center

    Scott, George A.

    2010-01-01

    In this report, the author and his colleagues respond to a mandate in the Higher Education Opportunity Act requiring GAO (Government Accountability Office) to study the feasibility of developing a national clearinghouse of federal and private student loans on the Department of Education's (Education) Web site. They addressed the following…

  9. 7 CFR 3431.13 - Terms of loan repayment and length of service requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) COOPERATIVE STATE RESEARCH, EDUCATION, AND EXTENSION SERVICE, DEPARTMENT OF AGRICULTURE VETERINARY MEDICINE LOAN REPAYMENT PROGRAM Administration of the Veterinary Medicine Loan Repayment Program § 3431.13 Terms... service in a veterinary shortage situation, as determined by the Secretary, with a minimum of 3 years (and...

  10. 78 FR 3828 - Microloan Operating Loans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-17

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency 7 CFR Parts 761 and 764 RIN 0560-AI17 Microloan Operating Loans AGENCY: Farm Service Agency, USDA. ACTION: Final rule. SUMMARY: The Farm Service Agency (FSA... education, on-the-job training, or farming experience; have an acceptable credit history; and have adequate...

  11. 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…

  12. 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...

  13. The Effects of Higher Loan Limits and Need Analysis Changes on FFELP Borrowing in Pennsylvania, July to December 1992 to 1993.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    This study examined the effects of the Higher Education Amendments of 1992 on Federal Family Education Loan Program (FFELP) borrowing in Pennsylvania during the July-to-December periods of 1992 to 1993. The Amendments increased the annual borrowing limits for the Federal Stafford loans and Federal Supplemental Loans for Students (SLS), eliminated…

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

    ERIC Educational Resources Information Center

    Meznek, James; Wilson, Al

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

  15. GAO's Views on the Default Task Force's Recommendations for Reducing Default Costs in the Guaranteed Student Loan Program. Testimony before the Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

    ERIC Educational Resources Information Center

    Gainer, William J.

    This General Accounting Office (GAO) testimony before the Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives, concerns the findings of the task force that addressed the increasing costs of student loan defaults. The task force report is considered, generally, to provide additional incentives and…

  16. 7 CFR 761.8 - Loan Limitations.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... indebtedness. (1) Farm Ownership, Downpayment loans, Conservation loans, and Soil and Water loans: (i) Direct... Ownership loan, direct Conservation loan, direct Soil and Water loan, guaranteed Farm Ownership loan, guaranteed Conservation loan, and guaranteed Soil and Water loan-$700,000 (for fiscal year 2000 and increased...

  17. Federal Student Loan Programs: Opportunities Exist to Improve Audit Requirements and Oversight Procedures. Report to Congressional Committees. GAO-10-668

    ERIC Educational Resources Information Center

    Daly, Kay L.

    2010-01-01

    The Higher Education Opportunity Act of 2008, Pub. L. No. 110-315, mandated GAO (Government Accountability Office) to study the financial and compliance audits and reviews required or conducted for the Federal Family Education Loan (FFEL) program and the Federal Direct Student Loan (DL) program. The Department of Education's (Education) Office of…

  18. Policy Considerations for a Student-Loan Refinancing Authority

    ERIC Educational Resources Information Center

    State Council of Higher Education for Virginia, 2016

    2016-01-01

    Access and affordability are the main themes of Goal 1 of The Virginia Plan for Higher Education. Progress toward these goals can be measured by a variety of means, but access and affordability serve as foundational guiding principles as the Commonwealth of Virginia crafts its annual and biennial higher-education budgets. Student-loan debt is but…

  19. 13 CFR 120.352 - Use of proceeds.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 120.352 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Qualified Employee Trusts (esop) § 120.352 Use of proceeds. Loan proceeds may be used for two purposes. (a) Qualified employer securities. A qualified employee trust may relend loan proceeds to the...

  20. 13 CFR 120.352 - Use of proceeds.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 120.352 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Qualified Employee Trusts (esop) § 120.352 Use of proceeds. Loan proceeds may be used for two purposes. (a) Qualified employer securities. A qualified employee trust may relend loan proceeds to the...

  1. 13 CFR 120.352 - Use of proceeds.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 120.352 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Qualified Employee Trusts (esop) § 120.352 Use of proceeds. Loan proceeds may be used for two purposes. (a) Qualified employer securities. A qualified employee trust may relend loan proceeds to the...

  2. 13 CFR 120.352 - Use of proceeds.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 120.352 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Qualified Employee Trusts (esop) § 120.352 Use of proceeds. Loan proceeds may be used for two purposes. (a) Qualified employer securities. A qualified employee trust may relend loan proceeds to the...

  3. 13 CFR 120.352 - Use of proceeds.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 120.352 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Qualified Employee Trusts (esop) § 120.352 Use of proceeds. Loan proceeds may be used for two purposes. (a) Qualified employer securities. A qualified employee trust may relend loan proceeds to the...

  4. The Burden of Borrowing: A Report on the Rising Rates of Student Loan Debt. The State PIRGs' Higher Education Project.

    ERIC Educational Resources Information Center

    King, Tracey; Bannon, Ellynne

    Data from the National Postsecondary Student Aid Study (NPSAS) (National Center for Education Statistics) show that the majority of students are turning to loans to finance college, and debt levels are escalating. Thirty-nine percent of student borrowers now graduate with unmanageable levels of debt, meaning that their monthly payments are more…

  5. 34 CFR Appendix E to Part 674 - Examples for Computing Maximum Penalty Charges (6 Months Unpaid Overdue Payments) on Direct Loans...

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Months Unpaid Overdue Payments) on Direct Loans Made for Periods of Enrollment Before January 1, 1986 E Appendix E to Part 674 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Pt. 674, App. E...

  6. 7 CFR 761.8 - Loan Limitations.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... assumption of indebtedness. (1) Farm Ownership, Downpayment loans, Conservation loans, and Soil and Water... direct Farm Ownership loan, direct Conservation loan, direct Soil and Water loan, guaranteed Farm Ownership loan, guaranteed Conservation loan, and guaranteed Soil and Water loan-$700,000 (for fiscal year...

  7. 7 CFR 761.8 - Loan Limitations.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... assumption of indebtedness. (1) Farm Ownership, Downpayment loans, Conservation loans, and Soil and Water... direct Farm Ownership loan, direct Conservation loan, direct Soil and Water loan, guaranteed Farm Ownership loan, guaranteed Conservation loan, and guaranteed Soil and Water loan-$700,000 (for fiscal year...

  8. 7 CFR 761.8 - Loan Limitations.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... assumption of indebtedness. (1) Farm Ownership, Downpayment loans, Conservation loans, and Soil and Water... direct Farm Ownership loan, direct Conservation loan, direct Soil and Water loan, guaranteed Farm Ownership loan, guaranteed Conservation loan, and guaranteed Soil and Water loan-$700,000 (for fiscal year...

  9. Complaints Soar over Student-Loan Collections

    ERIC Educational Resources Information Center

    Field, Kelly

    2012-01-01

    Over the past five years, the number of complaints filed against agencies collecting on behalf of the U.S. Department of Education has grown by 45 percent. The Federal Trade Commission, which oversees the entire industry, received 142,743 complaints involving debt-collection companies last year, though only some involved student loans. Consumer…

  10. Direct Loan Overview Workshop. Participant's Guide.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This training guide for a one-day workshop provides an introduction to the William D. Ford Federal Direct Loan Program for administrative personnel at higher educations institutions. The seven sections of the guide, each corresponding to a single workshop session, include activity sheets, questions for participants to answer, and space for notes.…

  11. Economic Diversity in Elite Higher Education: Do No-Loan Programs Impact Pell Enrollments?

    ERIC Educational Resources Information Center

    Hillman, Nicholas W.

    2013-01-01

    Several wealthy colleges and universities have recently begun removing all loans from low-income students' financial aid packages. This article reports on a study that found that the introduction of "no-loan" policies has positively impacted low-income enrollments, suggesting that this aid strategy may be an effective, though limited,…

  12. Hearing on Federal Student Loan Programs. Hearing before the Subcommittee on Oversight and Investigations of the Committee on Economic and Educational Opportunities. House of Representatives, 104th Congress, First Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. House.

    The Subcommittee met to hear testimony on the college student loan process, particularly whether, at a time of devolution of power to state and local levels, it is contradictory to continue with the relatively new Federal Direct Student Loan Program. Chairman Peter Hoekstra outlined how vital higher education has become for access to quality…

  13. A Delphi Approach to the Preparation of Early-Career Agricultural Educators in the Curriculum Area of Agricultural Mechanics: Fully Qualified and Highly Motivated or Status Quo?

    ERIC Educational Resources Information Center

    Saucier, P. Ryan; McKim, Billy R.; Tummons, John D.

    2012-01-01

    According to the National Research Agenda for Agricultural Education and Communication, preservice agriculture teacher education programs should "prepare and provide an abundance of fully qualified and highly motivated agricultural educators at all levels" (Osborne, 2007, 8). The lack of preparation of entry career agricultural educators…

  14. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... institutional investor authorized by law to loan money, hereafter referred to as “lender”. At the time of... of the service area. The maximum population density requirement will be published by RUS in the... making, loan servicing, and other requirements of the jurisdiction in which the lender makes loans...

  15. Federal Student Loan Programs

    ERIC Educational Resources Information Center

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

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

  16. 33 CFR 155.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... REGULATIONS FOR VESSELS Tank Vessel Response Plans for Oil § 155.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate... familiar with the implementation of the vessel response plan; and (4) Be trained in the responsibilities of...

  17. 33 CFR 155.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... REGULATIONS FOR VESSELS Tank Vessel Response Plans for Oil § 155.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate... familiar with the implementation of the vessel response plan; and (4) Be trained in the responsibilities of...

  18. 33 CFR 155.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... REGULATIONS FOR VESSELS Tank Vessel Response Plans for Oil § 155.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate... familiar with the implementation of the vessel response plan; and (4) Be trained in the responsibilities of...

  19. 33 CFR 155.1026 - Qualified individual and alternate qualified individual.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... REGULATIONS FOR VESSELS Tank Vessel Response Plans for Oil § 155.1026 Qualified individual and alternate qualified individual. (a) The response plan must identify a qualified individual and at least one alternate... familiar with the implementation of the vessel response plan; and (4) Be trained in the responsibilities of...

  20. 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...

  1. Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes

    ERIC Educational Resources Information Center

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

    Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…

  2. 38 CFR 21.274 - Revolving fund loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) VOCATIONAL REHABILITATION AND EDUCATION Vocational Rehabilitation and Employment Under 38 U.S.C. Chapter 31...-interest loan from the revolving fund. (c) Eligibility. A veteran is eligible for an advance if the... section are met, a counseling psychologist or vocational rehabilitation specialist in the VR&E Division...

  3. What Pennsylvania Health Care Students Would Want for Participating in Loan Forgiveness Programs.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    The results of a survey of students majoring in health care fields regarding a proposed program in which educational loans would be forgiven in exchange for serving medically underserved Pennsylvanians are discussed in this report. The survey sought to discover whether students would be interested in participating in a "loan forgiveness"…

  4. 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...

  5. Substituting Direct Government Lending for Guaranteed Student Loans: How Budget Rules Distorted Economic Decisionmaking.

    ERIC Educational Resources Information Center

    Zimmerman, Dennis; Miles, Barbara

    1994-01-01

    Congress substituted direct federal loans for federal guarantee of private loans for postsecondary education. Budget savings were overestimated because credit risks, recognition of administrative costs, and increases in administrative and borrowing costs were ignored. Savings could have been achieved by reducing returns to private lenders and…

  6. 3 CFR - Improving Repayment Options for Federal Student Loan Borrowers

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... about $26,300. While a college education remains an excellent investment, this debt can be overly... allow income information to be seamlessly transmitted so that borrowers can complete the application at... Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the Secretary...

  7. 7 CFR 1710.52 - Loan guarantees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan guarantees. 1710.52 Section 1710.52 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and Loan Guarantees § 1710.52 Loan guarantees. RUS provides financing through 100 percent loan guarantees...

  8. Nondiscrimination and the Otherwise Qualified Handicapped Student.

    ERIC Educational Resources Information Center

    Nelson, Eileen S.; Nelson, William R.

    1980-01-01

    A handicapped student must be academically and technically qualified in spite of the handicap in order to come under the protection of the law prohibiting discrimination in admission to educational programs. An institution is not required to make major modifications in an existing program. (Author)

  9. 12 CFR 541.20 - Loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Loans. 541.20 Section 541.20 Banks and Banking... SAVINGS ASSOCIATIONS § 541.20 Loans. The term loans means obligations and extensions or advances of credit; and any reference to a loan or investment includes an interest in such a loan or investment. ...

  10. 7 CFR 1710.50 - Insured loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Insured loans. 1710.50 Section 1710.50 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and Loan Guarantees § 1710.50 Insured loans. RUS makes insured loans under section 305 of the RE Act. (a...

  11. 7 CFR 1710.51 - Direct loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Direct loans. 1710.51 Section 1710.51 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and Loan Guarantees § 1710.51 Direct loans. RUS makes direct loans under section 4 of the RE Act. (a...

  12. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  13. 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...

  14. 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...

  15. 34 CFR 682.601 - Rules for a school that makes or originates loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... paragraphs (a)(8) and (b) of this section, the school used all payments and proceeds from the loans for need... 34 Education 3 2010-07-01 2010-07-01 false Rules for a school that makes or originates loans. 682... Requirements, Standards, and Payments for Participating Schools § 682.601 Rules for a school that makes or...

  16. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... total outstanding amount of a national bank's loans and extensions of credit to one borrower made under... surplus. (5) The total outstanding amount of a national bank's loans and extensions of credit to all of... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate...

  17. 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...

  18. Strengthening the Federal Student Loan Program for Borrowers. Hearing of the Committee on Health, Education, Labor, and Pensions, United States Senate, One Hundred Thirteenth Congress, Second Session on Examining Strengthening the Federal Student Loan Program for Borrowers (March 27, 2014). Senate Hearing 113-829

    ERIC Educational Resources Information Center

    US Senate, 2016

    2016-01-01

    This hearing represents the eighth in the series of Committee on Health, Education, Labor, and Pensions' hearings preparing to reauthorize the Higher Education Act. The primary focus of this hearing is strengthening Federal loan programs to ensure they are working well for students and families. Statements from the following committee members are…

  19. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-02-07

    ... due date for payments. Modifications usually adjust the terms of the loan agreement by: capitalizing delinquent interest, advances, or other amounts due; extending the repayment terms; changing the interest... guaranteed housing loans in default. Specifically, changes are made to requirements related to maximum...

  20. 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...

  1. 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...

  2. 7 CFR 1737.92 - Loan documents.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final Loan Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the...

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

    ERIC Educational Resources Information Center

    Chapman, Bruce; Lounkaew, Kiatanantha

    2009-01-01

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

  4. 34 CFR 682.207 - Due diligence in disbursing a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in disbursing a loan. 682.207 Section 682... Postsecondary Education Participants System (PEPS) Database (or any successor system) and confirming that the... certified. (3) For a continuing student, contacting the foreign school the student is to attend in...

  5. 7 CFR 1710.406 - Loan approval.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan approval. 1710.406 Section 1710.406 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.406 Loan approval. (a) A loan is approved when the Administrator...

  6. 7 CFR 1738.22 - Loan security.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1738.22 Section 1738.22 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the security therefore is...

  7. 7 CFR 1710.407 - Loan documents.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 34 CFR 682.500 - Circumstances under which loans may be guaranteed by the Secretary.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Circumstances under which loans may be guaranteed by the Secretary. 682.500 Section 682.500 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION...

  14. Oversight on National Direct Student Loan Program Regulations. Hearing Before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Seventh Congress, Second Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. House Committee on Education and Labor.

    Hearings on the Department of Education's final regulation governing the National Direct Student Loan (NDSL) Program are presented. The final regulation makes three changes: calculation of the federal capital contribution, which is the amount of new federal dollars allocated to institutions each year; the eligibility of institutions to receive…

  15. 7 CFR 761.8 - Loan Limitations.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... indebtedness. (1) Farm Ownership loans, Downpayment loans and Soil and Water loans: (i) Direct—$300,000; (ii... with paragraph (b) of this section); (iii) Any combination of a direct Soil and Water loan, direct Farm Ownership loan, guaranteed Soil and Water loan, and guaranteed Farm Ownership loan—$700,000 (for fiscal year...

  16. 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...

  17. 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...

  18. 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...

  19. 13 CFR 500.204 - 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. 500.204 Section 500.204 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the...

  20. Community Characteristics and Qualified Health Plan Selection during the First Open Enrollment Period.

    PubMed

    Boudreaux, Michel; Blewett, Lynn A; Fried, Brett; Hempstead, Katherine; Karaca-Mandic, Pinar

    2017-06-01

    To examine state and community factors that contributed to geographic variation in qualified health plan selection during the first open enrollment period. Administrative data on qualified health plan selections at the ZIP code area merged with survey estimates from the American Community Survey. Descriptive and regression analyses. Data were generated by healthcare.gov and from a household survey. Thirty-one percent of the variation in qualified health plan selection ratios resulted from between-state differences, and the rest was driven by local area differences. Education, language, age, gender, and the ethnic composition of communities contributed to disparate levels of plan selection. Medicaid expansion states had a qualified health plan selection ratio that was 4.4 points lower than non-Medicaid expansion states, controlling for covariates. Our results suggest community-level differences in the intensity or receptiveness to outreach and enrollment activities during the first open enrollment period. © Health Research and Educational Trust.

  1. Guaranteed Student Loans: Credit Bureau Reporting Practices by Guaranty Agencies and Lenders. Briefing Report to the Chairman, Subcommittee on Education, Arts, and the Humanities, Committee on Labor and Human Resources, U.S. Senate.

    ERIC Educational Resources Information Center

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

    Provisions in the Higher Education Amendments of 1986 (Public Law 99-498), which require guaranty agencies and lenders to report information on Stafford student loan program borrowers to credit bureaus, are examined. The purpose of these provisions is to promote greater borrower responsibility and repayment of student loans. The report addresses…

  2. 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. ...

  3. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... eligible education loan was made upon certification by a health professions school that the individual... to be in exceptionally needy circumstances if, upon comparison of the income and other financial.... The Secretary will only repay education loans made subsequent to November 17, 1971. [44 FR 29055, May...

  4. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... eligible education loan was made upon certification by a health professions school that the individual... to be in exceptionally needy circumstances if, upon comparison of the income and other financial.... The Secretary will only repay education loans made subsequent to November 17, 1971. [44 FR 29055, May...

  5. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... eligible education loan was made upon certification by a health professions school that the individual... to be in exceptionally needy circumstances if, upon comparison of the income and other financial.... The Secretary will only repay education loans made subsequent to November 17, 1971. [44 FR 29055, May...

  6. 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...

  7. 7 CFR 4274.331 - Loan limits.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... effective and sound manner, within 1 year after loan closing. (2) The initial Agency IRP loan as defined in... loans will not exceed $1 million each and not more than one loan will be approved by the Agency for an... (IRP) § 4274.331 Loan limits. (a) Intermediary. (1) No loan to an intermediary will exceed the maximum...

  8. 7 CFR 4274.331 - Loan limits.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... effective and sound manner, within 1 year after loan closing. (2) The initial Agency IRP loan as defined in... loans will not exceed $1 million each and not more than one loan will be approved by the Agency for an... (IRP) § 4274.331 Loan limits. (a) Intermediary. (1) No loan to an intermediary will exceed the maximum...

  9. 7 CFR 4274.331 - Loan limits.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... effective and sound manner, within 1 year after loan closing. (2) The initial Agency IRP loan as defined in... loans will not exceed $1 million each and not more than one loan will be approved by the Agency for an... (IRP) § 4274.331 Loan limits. (a) Intermediary. (1) No loan to an intermediary will exceed the maximum...

  10. 7 CFR 4274.331 - Loan limits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... effective and sound manner, within 1 year after loan closing. (2) The initial Agency IRP loan as defined in... loans will not exceed $1 million each and not more than one loan will be approved by the Agency for an... (IRP) § 4274.331 Loan limits. (a) Intermediary. (1) No loan to an intermediary will exceed the maximum...

  11. 7 CFR 4274.331 - Loan limits.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... effective and sound manner, within 1 year after loan closing. (2) The initial Agency IRP loan as defined in... loans will not exceed $1 million each and not more than one loan will be approved by the Agency for an... (IRP) § 4274.331 Loan limits. (a) Intermediary. (1) No loan to an intermediary will exceed the maximum...

  12. The Expansion of Private Loans in Postsecondary Education. Stats in Brief. NCES 2012-184

    ERIC Educational Resources Information Center

    Woo, Jennie H.

    2011-01-01

    This Statistics in Brief examines private loans by institution sector, tuition amount, student characteristics, and level. This study attempts to answer the following questions: (1) How did undergraduate borrowing from private sources change from 2003-04 to 2007-08 and who obtained private loans?; (2) To what extent did undergraduates combine…

  13. Comparative Linguistic Analysis between Newly Qualified Teachers and Experienced Teachers: A Study of the Notion of Pelvic Retroversion in Physical Education

    ERIC Educational Resources Information Center

    Carnus, Marie-France

    2012-01-01

    Background: My theoretical background draws on physical education (PE) clinical didactics. It questions the specific nature of this academic subject matter, how it is transmitted and how it is internalized considering teachers' individuality. I intend to describe and understand how newly qualified and experienced PE teachers interact with their…

  14. Student Loan Programs. As Federal Costs of Loan Consolidation Rise, Other Options Should be Examined. Report to Congressional Requesters.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

    In this report GAO recommends that the Secretary of Education assess the advantages of consolidation loans for borrowers and the government in light of program costs and identify options for reducing federal costs. Options could include targeting the program to borrowers at risk of default and extending existing consolidation alternatives to more…

  15. 34 CFR 685.307 - Withdrawal procedure for schools participating in the Direct Loan Program.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Withdrawal procedure for schools participating in the Direct Loan Program. 685.307 Section 685.307 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL...

  16. 17 CFR 240.3b-8 - Definitions of “Qualified OTC Market Maker, Qualified Third Market Maker” and “Qualified Block...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Market Maker, Qualified Third Market Makerâ and âQualified Block Positionerâ. 240.3b-8 Section 240.3b-8... “Qualified Block Positioner”. For the purposes of Regulation U under the Act (12 CFR part 221): (a) The term... inventory turnover in such security. (c) The term Qualified Block Positioner means a dealer who (1) is a...

  17. Is the Glass Half-Full or Half-Empty? Perceptions of Recently-Qualified Educational Psychologists on the Effectiveness and Impact of Their Master's Level Research

    ERIC Educational Resources Information Center

    Landor, Miriam

    2011-01-01

    This paper reports the results of a small-scale study of the perceptions of recently-qualified educational psychologists (EPs) in Scotland about the effectiveness of their Master's level research and its impact on their own practice, on their service and on the wider educational psychology community. Thematic analysis of the data was carried out.…

  18. 19 CFR 351.505 - Loans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... future action or achieving some goal in fulfillment of the loan's requirements, the Secretary normally...-provided loan, the Secretary normally will place primary emphasis on similarities in the structure of the... paragraph (a)(1) of this section, if the government-provided loan is a short-term loan, the Secretary...

  19. 19 CFR 351.505 - Loans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... future action or achieving some goal in fulfillment of the loan's requirements, the Secretary normally...-provided loan, the Secretary normally will place primary emphasis on similarities in the structure of the... paragraph (a)(1) of this section, if the government-provided loan is a short-term loan, the Secretary...

  20. Student Loans: The Empirical Record.

    ERIC Educational Resources Information Center

    Finnie, Ross

    2001-01-01

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

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