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file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/pres.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/editdata.mso Content-Transfer-Encoding: base64 Content-Type: application/x-mso QWN0aXZlTWltZQAAAfAEAAAA/////wAAA/AJAAAAAAAlBAEAAAABAAAL8AQAAAASNFZ4 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0002.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
Lori Hartung,
Todd, Bremer and Lawson
Winter 2009 Federal Perkins
Loan Update
12/10/2009
1
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Agenda
&#= 8226;Regulatory Update
&= #8211;HEAO Final Rule
– <= /div>
&#= 8226;Perkins Loan Issues
&= #8211;Economic Hardship
&= #8211;TTPD
&= #8211;MPN & Addendum
&= #8211;DRAP
12/10/2009
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0004.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
HEOA Final Rule
= 226;Electronic Announcement Nov. 2, 2009
–Publication of Final Rule for Title IV Student Aid Programs
= 211;Includes all changes not just items negotiated and listed in the NPRM
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12/10/2009
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HEOA Final Rule
&#= 8226;FWS transfer to FSEOG or Perkins
–May transfer up to 25% of its FWS allocation to its Perkins FCC of FS= EOG or both
&= #8226;Transfer cannot exceed 25% of the FWS allocation
•School must have Level of Expenditure (LOE) to transfer to Perkins.
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12/10/2009
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HEOA Final Rule
•Loan Limits
–Unde= rgrad $5,500/$11,000
–Grad= uate $8,000/$27,500
•Forbearance=
–Elim= inated the requirement that a forbearance request be in writing = ;
•Rehabilitat= ion
–9 monthly payments instead of 12
•Elimination= of Defense of Infancy
<= span style=3D'mso-special-format:bullet;position:absolute;left:-4.43%;font-fami= ly: Arial'>•
12/10/2009
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HEOA Final Rule
R= 26;Teacher in low-income education service agency
= 211;Education Service Agency is a regional public multi-service agency authorized by State law to develop, manage and provide services= or programs to local educations agencies.
R= 11;Meaning given the term in section 9101 of the Elementary and Secondary Education Act
12/10/2009
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HEOA Final Rule
•Full-time Firefighter
–Empl= oyed by a federal, state or local firefighting agency to extinguish destructive fires; or provide firefighting related serv= ices such as
•Providing community disaster support and, as a= first responder, providing emergency medical services
•Cond= ucting search and rescue
•Provi= ding hazardous materials mitigation (HAZMAT)
12/10/2009
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HEOA Final Rule
R= 26;Full-time Faculty Member at a Tribal College or University
= 211;A Tribal College or University is an institution that qualifies for funding under the Tribally Controlled Colleges and Universities Assistance Act of 1978, or the Navajo Community College Assistance Act
= 211;http://www.ed.gov/about/inits/list/whtc/edlite-tclist.ht= ml#WI
•
12/10/2009
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HEOA Final Rule
R= 26;Librarians with a Master’s Degree in Library Science
= 211;Information professional trained in library or information science <= /span>
= 211;Obtained a postgraduate degree in library science, excluding a doctorate or professional degree
•
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HEOA Final Rule
•Full-= time Speech language pathologists
–A pe= rson who evaluates or treats disorders that affect a person’s speech, language, cognitive, voice, swallowing and the rehabilita= tive or corrective treatment of physical or cognitive deficits/disorders resulting in the difficulty with communication, swallowing,= or both.
–Has obtained a postgraduate degree, excluding a doctorate or professional degree
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0012.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
HEOA Final Rule
•Early Child= hood Education 
–If the borrower has served full-time as a staff member of a prekindergart= en or childcare program.
–Child care program would be defined as a program that is licensed = and regulated by the State and provides child care services for fewer = than 24 hours per day, unless care in excess to 24 consecutive hours= is needed due to the         nature of the parent’s work.
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HEOA Final Rule
&#= 8226;Public Defender
–Attorney employed in the Federal Public Defenders Organization or Community Defender Organization.
– <= /div>
&#= 8226;Military Cancellation
&= #8211;New cancellation rates
&= #8211;15/15/20/20/30%
•
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0014.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
HEOA Final Rule
•Total and Perman= ent Disability
–New definition a= nd procedures (see later slides)
–
•Deceased Student= and Family Estate
–A deceased stude= nt, a deceased student’s estate or the estate of such student’s family does not have to re= pay any Federal Stude= nt Aid
–
•Mandatory Assignment
–The Department no longer has the authority to mandate loan assignment
12/10/2009
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Perkins Loan Issues
&#= 8226;Economic Hardship Deferment
–College Cost Reduction and Access Act (CCRAA, P.L. 110-84). =
&= #8211;Definition changes effective 7/1/09
&= #8211;Eliminates the 20/220 qualification for Econ HD.
•
12/10/2009
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0016.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
Perkins Loan Issues
•Total and permanent disability discharge for borrowers designated as unemployable due to a service-related condition by Veter= ans Affairs
•New TPD form posted
–DCL GEN-09-02
•Two DCLs on Veteran’s TPD discharge
–Proc= ess
–Poli= cy
•
12/10/2009
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Perkins Loan Issues
•DCL 09-07&#= 13;
–Proc= edures for discharging Title IV loans by determination by the Dept= of Veterans Affairs
–VA determines discharge on one of two standards:
•A determination that the veteran has a service-connected disabi= lity (or disabilities), that are 100% disabling; or =
•A determination that the veteran is totally disabled based on an individual unemployability determination.
•
12/10/2009
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0018.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
Perkins Loan Issues
•Foll= owing procedures must be followed:
–Borro= wer must apply to loan holder for TPD
•Comp= letes section 1 and 3 of TPD
–Phys= ician is not required to sign Section 4 of TPD
•Inst= ead borrower submits documentation from the VA showing the determinatio= n of unemployability or 100% disabled
–Scho= ols review TPD for completion and attached VA documentation.
•Make preliminary determination of eligibility
•
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0019.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
Perkins Loan Issues
–If eligible for TPD based on VA documentation, submit TPD form and VA documentation to the Department. 
•DO N= OT assign loan
–The Department will review submitted paperwork and determine final eligibility.
•Depa= rtment will instruct school to discharge the loan
•No t= hree year conditional waiting period
–Scho= ol cancels the loan
•And refunds any payments made on or after       effective date
•
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0020.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
Perkins Loan Issues
&= #8211;If TPD was denied by school or Department
•School must notify borrower and borrower must <= /span>resume payments
&#= 8226;Loan is deemed in forbearance from date of collection activity was suspended
–During discharge process, schools must provide borrower with phone number = to call if they have questions.
•
12/10/2009
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Perkins Loan Issues
&#= 8226;Dear Colleague Letter CB-09-06 and CB-09-05
&= #8211;Published Sept. 28th  2009
–Approval of revised Perkins MPN and Addendum to Perkins MPN =
= 211;MPN contains changes to  cancella= tion, rehabilitation, forbearance and deferment.
&= #8211;Must begin using by 12/31/09
•
12/10/2009
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R0lGODlhNQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAMAAwAx ADEAgAAAAMBQTQJ/hI+py33hopwgQIqzvbm7zXkiAoajWJqnlq5oqroRbMkYXdsSnusN3/MpgEHh gxjzIYvCJVPnfNqiSRnVeHRiDddtF/s1hpvRbaXsRYPVYjZZm4av5ROq+2On4/PLOl+/8HeXIDiY VYj0gwjItcjoeAfpJslGqWaJhlmmyalZAAA7 ------=_NextPart_01CA79B2.BEA2CB80 Content-Location: file:///C:/F13392E5/Winter2009PerkinsLoanUpdate_files/slide0022.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Winter 2009 Federal Perkins Loan Update
Perkins Loan Issues
&#= 8226;Electronic Announcement Sept 4th, 2009
&= #8211;Default Reduction Assistance Program (DRAP)
–Gets borrowers back into repayment before collection
&= #8211;Zero cost and voluntary program
&= #8211;Initiated via eCampus-Based website
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12/10/2009
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Questions?
&#= 8226;Lori Hartung
&#= 8226;Todd, Bremer & Lawson, Inc.
&#= 8226;800-849-6669
•
12/10/2009