+---+-----+--------+-------------------------------------+-------------+
| * | #   | **Com  | ## Proposed Language                | #           |
| * | # S | ment** |                                     | # Rationale |
| \ | ect |        |                                     |             |
| # | ion |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+===+=====+========+=====================================+=============+
|   |     |        | Teacher Loan Forgiveness            |             |
|   |     |        | Forbearance Form - Renewal          |             |
+---+-----+--------+-------------------------------------+-------------+
| * | U   | Modify | You may qualify for loan            | Correction. |
| * | ser | text   | forgiveness only if ~~you had no~~  | Statutory   |
| [ | la  | as     | [all of your]{.underline}           | language in |
| 1 | ngu | shown. | ~~outstanding balance on a~~        | HEA 428J    |
| . | age |        | Federal Family Education Loan       | states:     |
| ] | in  |        | (FFEL) Program loan[s]{.underline}  | "The        |
| { | h   |        | or ~~a~~ William D. Ford Federal    | Secretary   |
| . | ead |        | Direct Loan (Direct Loan) Program   | shall carry |
| m | er. |        | ~~L                                 | out a       |
| a |     |        | ~~[l]{.underline}oan[s]{.underline} | program,    |
| r |     |        | [were made]{.underline} on [or      | through the |
| k |     |        | after]{.underline} October 1, 1998, | holder of   |
| } |     |        | or [you]{.underline} had no         | the loan,   |
| * |     |        | outstanding balance on a FFEL or    | of assuming |
| * |     |        | Direct Loan program loan on the     | the         |
|   |     |        | date you obtained a loan [on        | obligation  |
|   |     |        | or]{.underline} after               | to repay a  |
|   |     |        | October 1, 1998.                    | qualified   |
|   |     |        |                                     | loan amount |
|   |     |        |                                     | for a loan  |
|   |     |        |                                     | made under  |
|   |     |        |                                     | section 428 |
|   |     |        |                                     | or 428H, in |
|   |     |        |                                     | accordance  |
|   |     |        |                                     | with        |
|   |     |        |                                     | subsection  |
|   |     |        |                                     | (c), *for   |
|   |     |        |                                     | any new     |
|   |     |        |                                     | borrower on |
|   |     |        |                                     | or after    |
|   |     |        |                                     | October 1,  |
|   |     |        |                                     | 1998*,"     |
|   |     |        |                                     |             |
|   |     |        |                                     | As          |
|   |     |        |                                     | currently   |
|   |     |        |                                     | written,    |
|   |     |        |                                     | the form    |
|   |     |        |                                     | implies     |
|   |     |        |                                     | that a      |
|   |     |        |                                     | borrower    |
|   |     |        |                                     | who took    |
|   |     |        |                                     | out a loan  |
|   |     |        |                                     | on October  |
|   |     |        |                                     | 1, 1998,    |
|   |     |        |                                     | does not    |
|   |     |        |                                     | qualify for |
|   |     |        |                                     | this        |
|   |     |        |                                     | forgiveness |
|   |     |        |                                     | program.    |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Declined. The proposed language is  |             |
| * |     |        | not consistent with the statutory   |             |
| E |     |        | or regulatory provisions that       |             |
| D |     |        | govern the Teacher Loan Forgiveness |             |
| R |     |        | Program in the FFEL and Direct Loan |             |
| E |     |        | programs. Specifically, regulations |             |
| S |     |        | at 34 CFR 682.215(a) and 34 CFR     |             |
| P |     |        | 685.217(a) state that loan          |             |
| O |     |        | forgiveness is available only to a  |             |
| N |     |        | borrower who has no outstanding     |             |
| S |     |        | balance on a FFEL or Direct Loan    |             |
| E |     |        | program loan "**on** \[emphasis     |             |
| : |     |        | added\] October 1, 1998 or who has  |             |
| * |     |        | no outstanding balance on the date  |             |
| * |     |        | he or she obtains a loan **after**  |             |
|   |     |        | \[emphasis added\] October 1,       |             |
|   |     |        | 1998." These provisions reflect the |             |
|   |     |        | statutory definition of "new        |             |
|   |     |        | borrower" in Sec. 103 of the Higher |             |
|   |     |        | Education Act of 1965, as amended   |             |
|   |     |        | (the HEA). This definition reads as |             |
|   |     |        | follows:                            |             |
|   |     |        |                                     |             |
|   |     |        | "The term 'new borrower' when used  |             |
|   |     |        | with respect to any date means an   |             |
|   |     |        | individual who **on that date**     |             |
|   |     |        | \[emphasis added\] had no           |             |
|   |     |        | outstanding balance of principal or |             |
|   |     |        | interest owing on any loan made,    |             |
|   |     |        | insured, or guaranteed under title  |             |
|   |     |        | IV."                                |             |
|   |     |        |                                     |             |
|   |     |        | The commenters noted that the       |             |
|   |     |        | current language on the form would  |             |
|   |     |        | suggest that a borrower who took    |             |
|   |     |        | out a loan on October 1, 1998 would |             |
|   |     |        | not qualify for loan forgiveness.   |             |
|   |     |        | That is the intended reading of the |             |
|   |     |        | current language. Under the law and |             |
|   |     |        | regulations, a borrower who took    |             |
|   |     |        | out a loan on October 1, 1998 does  |             |
|   |     |        | not qualify for loan forgiveness    |             |
|   |     |        | under this program.                 |             |
|   |     |        |                                     |             |
|   |     |        | ED also notes that the proposed     |             |
|   |     |        | language would appear to allow a    |             |
|   |     |        | borrower to qualify for loan        |             |
|   |     |        | forgiveness if the borrower had     |             |
|   |     |        | outstanding loans on October 1,     |             |
|   |     |        | 1998, but after that date           |             |
|   |     |        | consolidated all of those loans.    |             |
|   |     |        | Under the proposed definition, all  |             |
|   |     |        | of the borrowers loans (i.e., the   |             |
|   |     |        | consolidation loan) would have been |             |
|   |     |        | made after October 1, 1998. A       |             |
|   |     |        | borrower who had outstanding loans  |             |
|   |     |        | on October 1, 1998 may qualify for  |             |
|   |     |        | forgiveness of new loans obtained   |             |
|   |     |        | after October 1, 1998 if, prior to  |             |
|   |     |        | obtaining the new loans, the        |             |
|   |     |        | borrower paid off (other than       |             |
|   |     |        | through consolidation) the earlier  |             |
|   |     |        | loans that were outstanding on      |             |
|   |     |        | October 1, 1998. However, a         |             |
|   |     |        | borrower who had outstanding loans  |             |
|   |     |        | as of October 1, 1998 may not       |             |
|   |     |        | qualify for loan forgiveness simply |             |
|   |     |        | by consolidating those loans after  |             |
|   |     |        | October 1, 1998.                    |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Add    | [Date of Birth]{.underline}         | To access   |
| * | ect | field  | [\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ | information |
| [ | ion | for    | \_\_\_\_\_(mm-dd-yyyy)]{.underline} | in NSLDS,   |
| 2 | 1.  | date   |                                     | you need    |
| . |     | of     |                                     | the         |
| ] |     | birth. |                                     | borrower's  |
| { |     |        |                                     | date of     |
| . |     |        |                                     | birth. Some |
| m |     |        |                                     | states have |
| a |     |        |                                     | their own   |
| r |     |        |                                     | teacher     |
| k |     |        |                                     | loan        |
| } |     |        |                                     | forgiveness |
| * |     |        |                                     | program,    |
| * |     |        |                                     | and if that |
|   |     |        |                                     | guarantor   |
|   |     |        |                                     | does not    |
|   |     |        |                                     | have the    |
|   |     |        |                                     | guarantee   |
|   |     |        |                                     | on the      |
|   |     |        |                                     | eligible    |
|   |     |        |                                     | loan, they  |
|   |     |        |                                     | would not   |
|   |     |        |                                     | have this   |
|   |     |        |                                     | information |
|   |     |        |                                     | to help the |
|   |     |        |                                     | borrower    |
|   |     |        |                                     | receive the |
|   |     |        |                                     | state       |
|   |     |        |                                     | teacher     |
|   |     |        |                                     | loan        |
|   |     |        |                                     | f           |
|   |     |        |                                     | orgiveness. |
|   |     |        |                                     |             |
|   |     |        |                                     | Also, a     |
|   |     |        |                                     | lender      |
|   |     |        |                                     | would be    |
|   |     |        |                                     | able to     |
|   |     |        |                                     | provide     |
|   |     |        |                                     | good        |
|   |     |        |                                     | customer    |
|   |     |        |                                     | service to  |
|   |     |        |                                     | a borrower  |
|   |     |        |                                     | who sends   |
|   |     |        |                                     | the         |
|   |     |        |                                     | forgiveness |
|   |     |        |                                     | application |
|   |     |        |                                     | to the      |
|   |     |        |                                     | wrong       |
|   |     |        |                                     | entity. The |
|   |     |        |                                     | lender      |
|   |     |        |                                     | would be    |
|   |     |        |                                     | able to     |
|   |     |        |                                     | access      |
|   |     |        |                                     | NSLDS to    |
|   |     |        |                                     | find the    |
|   |     |        |                                     | borrower's  |
|   |     |        |                                     | lender and  |
|   |     |        |                                     | forward the |
|   |     |        |                                     | application |
|   |     |        |                                     | a           |
|   |     |        |                                     | ccordingly. |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Declined. The commenters' rationale |             |
| * |     |        | does not support the addition of a  |             |
| E |     |        | new data element for the borrower's |             |
| D |     |        | date of birth. The purposes for     |             |
| R |     |        | which the commenters are requesting |             |
| E |     |        | the new data element are unrelated  |             |
| S |     |        | to determining a borrower's         |             |
| P |     |        | eligibility for teacher loan        |             |
| O |     |        | forgiveness in the FFEL and Direct  |             |
| N |     |        | Loan programs. A borrower's date of |             |
| S |     |        | birth is not required for this      |             |
| E |     |        | purpose. Moreover, ED notes that a  |             |
| : |     |        | borrower's date of birth is not     |             |
| * |     |        | required to access a borrower's     |             |
| * |     |        | loan history information in NSLDS.  |             |
+---+-----+--------+-------------------------------------+-------------+
| 3 | S   | Modify | SECTION 2: BORROWER'S LOAN          | Correction. |
| \ | ect | as     | FORGIVENESS FORBEARANCE REQUEST,    |             |
| . | ion | noted. | ~~UNDERSRTANDINGS~~                 |             |
|   | 2,  |        | [UNDERSTANDINGS,]{.underline} AND   |             |
|   | he  |        | CERTIFICATION.                      |             |
|   | adi |        |                                     |             |
|   | ng. |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Accepted.                           |             |
| * |     |        |                                     |             |
| E |     |        | NOTE: ED proposes to make           |             |
| D |     |        | additional changes in Section 2 for |             |
| R |     |        | consistency with the changes        |             |
| E |     |        | proposed for Section 2 of the       |             |
| S |     |        | Teacher Loan Forgiveness            |             |
| P |     |        | Application. See ED's response to   |             |
| O |     |        | Item 3 of the comments received on  |             |
| N |     |        | the Teacher Loan Forgiveness        |             |
| S |     |        | Application.                        |             |
| E |     |        |                                     |             |
| : |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Modify | Check here if this school is        | Correction. |
| * | ect | as     | operated by the Bureau of Indian    | See         |
| [ | ion | noted. | ~~Affairs~~ [Education]{.underline} | <http://w   |
| 4 | 2,  |        | (BI~~A~~[E]{.underline}) or         | ww.oiep.bia |
| . | t   |        | operated on an Indian reservation   | .edu/bie/de |
| ] | ext |        | by an Indian tribal group under     | fault.cfm>. |
| { | for |        | contract with the                   | Tribal      |
| . | ch  |        | BI~~A~~[E]{.underline}.             | schools are |
| m | eck |        |                                     | now         |
| a | box |        |                                     | overseen by |
| r |     |        |                                     | the Bureau  |
| k |     |        |                                     | of Indian   |
| } |     |        |                                     | Education.  |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Accepted.                           |             |
| * |     |        |                                     |             |
| E |     |        |                                     |             |
| D |     |        |                                     |             |
| R |     |        |                                     |             |
| E |     |        |                                     |             |
| S |     |        |                                     |             |
| P |     |        |                                     |             |
| O |     |        |                                     |             |
| N |     |        |                                     |             |
| S |     |        |                                     |             |
| E |     |        |                                     |             |
| : |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Modify | -   Unless you instruct your loan   | Correction. |
| * | ect | as     |     holder otherwise, the           | Forgiveness |
| [ | ion | noted. |     forgiveness amount will be      | amount      |
| 5 | 4,  |        |     applied to your loans in the    | should      |
| . | bul |        |     following order: (1)            | first be    |
| ] | let |        |     unsubsidized Federal Stafford   | applied to  |
| { | 3.  |        |     Loan(s) or Direct Unsubsidized  | the Direct  |
| . |     |        |     Loan(s), (2) subsidized Federal | U           |
| m |     |        |     Stafford Loan(s) or Direct      | nsubsidized |
| a |     |        |     Subsidized Loan(s), and (3)     | Co          |
| r |     |        |     ~~Direct Subsidized             | nsolidation |
| k |     |        |     Consolidation Loan,~~ Federal   | Loan and    |
| } |     |        |     Consolidation Loan, ~~or~~      | then any    |
| * |     |        |     Direct Unsubsidized             | remaining   |
| * |     |        |     Consolidation Loan[, or Direct  | amount      |
|   |     |        |     Subsidized Consolidation        | should be   |
|   |     |        |     Loan]{.underline}.              | applied to  |
|   |     |        |                                     | the Direct  |
|   |     |        |                                     | Subsidized  |
|   |     |        |                                     | Co          |
|   |     |        |                                     | nsolidation |
|   |     |        |                                     | Loan.       |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Accepted.                           |             |
| * |     |        |                                     |             |
| E |     |        |                                     |             |
| D |     |        |                                     |             |
| R |     |        |                                     |             |
| E |     |        |                                     |             |
| S |     |        |                                     |             |
| P |     |        |                                     |             |
| O |     |        |                                     |             |
| N |     |        |                                     |             |
| S |     |        |                                     |             |
| E |     |        |                                     |             |
| : |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Remove | -   **~~Full-time~~** **[Full       | Grammatical |
| * | ect | the    |     time]{.underline}** means the   | correction. |
| [ | ion | hyphen |     standard used by a state in     |             |
| 6 | 5,  | and    |     defining full-time employment   | The         |
| . | bul | modify |     as a teacher. If you teach in   | question    |
| ] | let | text   |     more than one school            | was posed   |
| { | 7.  | as     |     [(including through a           | to the      |
| . |     | shown. |     consortium or co-operative      | Department  |
| m |     |        |     arrangement)]{.underline}, full | of whether  |
| a |     |        |     time is based on the            | employment  |
| r |     |        |     combination of all of your      | in a        |
| k |     |        |     qualifying employment.          | specific    |
| } |     |        |                                     | consortium  |
| * |     |        |                                     | or          |
| * |     |        |                                     | c           |
|   |     |        |                                     | o-operative |
|   |     |        |                                     | arrangement |
|   |     |        |                                     | is          |
|   |     |        |                                     | recognized  |
|   |     |        |                                     | as          |
|   |     |        |                                     | qualifying  |
|   |     |        |                                     | employment  |
|   |     |        |                                     | for         |
|   |     |        |                                     | purposes of |
|   |     |        |                                     | Teacher     |
|   |     |        |                                     | Loan        |
|   |     |        |                                     | F           |
|   |     |        |                                     | orgiveness. |
|   |     |        |                                     | The answer  |
|   |     |        |                                     | received    |
|   |     |        |                                     | was as      |
|   |     |        |                                     | follows:    |
|   |     |        |                                     |             |
|   |     |        |                                     | "While most |
|   |     |        |                                     | teachers    |
|   |     |        |                                     | will be     |
|   |     |        |                                     | employed by |
|   |     |        |                                     | the school  |
|   |     |        |                                     | system      |
|   |     |        |                                     | itself and  |
|   |     |        |                                     | while it is |
|   |     |        |                                     | appropriate |
|   |     |        |                                     | to look     |
|   |     |        |                                     | closely at  |
|   |     |        |                                     | an          |
|   |     |        |                                     | application |
|   |     |        |                                     | filed by    |
|   |     |        |                                     | someone not |
|   |     |        |                                     | directly    |
|   |     |        |                                     | employed by |
|   |     |        |                                     | the school  |
|   |     |        |                                     | system, the |
|   |     |        |                                     | Service     |
|   |     |        |                                     | C           |
|   |     |        |                                     | ooperatives |
|   |     |        |                                     | seem to be  |
|   |     |        |                                     | a           |
|   |     |        |                                     | combination |
|   |     |        |                                     | of          |
|   |     |        |                                     | different   |
|   |     |        |                                     | school      |
|   |     |        |                                     | systems     |
|   |     |        |                                     | that work   |
|   |     |        |                                     | together    |
|   |     |        |                                     | and that    |
|   |     |        |                                     | employ the  |
|   |     |        |                                     | teachers.   |
|   |     |        |                                     |  Based on   |
|   |     |        |                                     | the         |
|   |     |        |                                     | information |
|   |     |        |                                     | received,   |
|   |     |        |                                     | it seems    |
|   |     |        |                                     | consistent  |
|   |     |        |                                     | with the    |
|   |     |        |                                     | regulations |
|   |     |        |                                     | and the     |
|   |     |        |                                     | statute to  |
|   |     |        |                                     | consider    |
|   |     |        |                                     | these       |
|   |     |        |                                     | borrowers   |
|   |     |        |                                     | eligible    |
|   |     |        |                                     | for the     |
|   |     |        |                                     | Stafford    |
|   |     |        |                                     | forgiveness |
|   |     |        |                                     | as long as  |
|   |     |        |                                     | they meet   |
|   |     |        |                                     | all the     |
|   |     |        |                                     | other       |
|   |     |        |                                     | eligibility |
|   |     |        |                                     | req         |
|   |     |        |                                     | uirements." |
|   |     |        |                                     |             |
|   |     |        |                                     | We feel     |
|   |     |        |                                     | this        |
|   |     |        |                                     | response    |
|   |     |        |                                     | provides    |
|   |     |        |                                     | the basis   |
|   |     |        |                                     | for the     |
|   |     |        |                                     | addition of |
|   |     |        |                                     | the         |
|   |     |        |                                     | cl          |
|   |     |        |                                     | arification |
|   |     |        |                                     | related to  |
|   |     |        |                                     | employment  |
|   |     |        |                                     | in a        |
|   |     |        |                                     | consortium  |
|   |     |        |                                     | or          |
|   |     |        |                                     | c           |
|   |     |        |                                     | o-operative |
|   |     |        |                                     | arrangement |
|   |     |        |                                     | to meet the |
|   |     |        |                                     | full time   |
|   |     |        |                                     | employment  |
|   |     |        |                                     | re          |
|   |     |        |                                     | quirements. |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Declined. Although ED considers the |             |
| * |     |        | prior answer cited by the           |             |
| E |     |        | commenters (which was provided by   |             |
| D |     |        | an individual ED employee) to be    |             |
| R |     |        | the proper interpretation of the    |             |
| E |     |        | regulations, and continues to       |             |
| S |     |        | support this interpretation, we do  |             |
| P |     |        | not believe that it would be        |             |
| O |     |        | appropriate to incorporate this     |             |
| N |     |        | response into the Teacher Loan      |             |
| S |     |        | Forgiveness Application unless and  |             |
| E |     |        | until ED amends the regulations or  |             |
| : |     |        | issues other more formal guidance   |             |
| * |     |        | on the treatment of consortium or   |             |
| * |     |        | cooperative arrangements for        |             |
|   |     |        | teacher loan forgiveness purposes.  |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Modify | A **teacher** is a person who       | To provide  |
| * | ect | text   | provides direct classroom teaching  | for         |
| [ | ion | as     | or classroom-type teaching in a     | consistency |
| 7 | 5,  | shown. | non-classroom setting, including    | with        |
| . | bul |        | special education teachers. ~~A~~   | Section 2.  |
| ] | let |        | ~~s~~[S]{.underline}chool           |             |
| { | 12. |        | librarian[s,]{.underline} ~~or~~    |             |
| . |     |        | guidance counselor[s, and other     |             |
| m |     |        | administrative staff                |             |
| a |     |        | are]{.underline} ~~is~~ not         |             |
| r |     |        | considered ~~a~~                    |             |
| k |     |        | teacher[s]{.underline} for the      |             |
| } |     |        | purposes of this loan forgiveness   |             |
| * |     |        | program.                            |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Accepted.                           |             |
| * |     |        |                                     |             |
| E |     |        |                                     |             |
| D |     |        |                                     |             |
| R |     |        |                                     |             |
| E |     |        |                                     |             |
| S |     |        |                                     |             |
| P |     |        |                                     |             |
| O |     |        |                                     |             |
| N |     |        |                                     |             |
| S |     |        |                                     |             |
| E |     |        |                                     |             |
| : |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Modify | *Private School Teachers*           | Correction. |
| * | ect | text   |                                     |             |
| [ | ion | as     | -   To be a highly qualified        |             |
| 8 | 6,  | shown. |     teacher, a teacher in a         |             |
| . |     |        |     private, non-profit elementary  |             |
| ] | P   |        |     or secondary school who is not  |             |
| { | riv |        |     a highly qualified teacher as   |             |
| . | ate |        |     defined ~~below~~               |             |
| m | Sch |        |     [above]{.underline} must:       |             |
| a | ool |        |                                     |             |
| r | Tea |        |                                     |             |
| k | che |        |                                     |             |
| } | rs, |        |                                     |             |
| * | bul |        |                                     |             |
| * | let |        |                                     |             |
|   | 1.  |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Accepted.                           |             |
| * |     |        |                                     |             |
| E |     |        |                                     |             |
| D |     |        |                                     |             |
| R |     |        |                                     |             |
| E |     |        |                                     |             |
| S |     |        |                                     |             |
| P |     |        |                                     |             |
| O |     |        |                                     |             |
| N |     |        |                                     |             |
| S |     |        |                                     |             |
| E |     |        |                                     |             |
| : |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Modify | -   To qualify for loan forgiveness | Correction. |
| * | ect | text   |     under this program, [all of     | Statutory   |
| [ | ion | as     |     your]{.underline} ~~you must    | language in |
| 9 | 7,  | shown. |     not have had an outstanding     | HEA 428J    |
| . | bul |        |     balance on a~~ FFEL or Direct   | states:     |
| ] | let |        |     Loan program                    | "The        |
| { | 1.  |        |     loan[s]{.underline} [must have  | Secretary   |
| . |     |        |     been made on or                 | shall carry |
| m |     |        |     after]{.underline} ~~as of~~    | out a       |
| a |     |        |     October 1, 1998, or [you had no | program,    |
| r |     |        |     outstanding balance on a FFEL   | through the |
| k |     |        |     or Direct Program               | holder of   |
| } |     |        |     loan]{.underline} on the date   | the loan,   |
| * |     |        |     ~~that~~ you obtained a         | of assuming |
| * |     |        |     ~~Direct Loan Program~~ loan    | the         |
|   |     |        |     ~~or a~~ ~~FFEL Program loan~~  | obligation  |
|   |     |        |     [on or]{.underline} after       | to repay a  |
|   |     |        |     October 1, 1998.                | qualified   |
|   |     |        |                                     | loan amount |
|   |     |        |                                     | for a loan  |
|   |     |        |                                     | made under  |
|   |     |        |                                     | section 428 |
|   |     |        |                                     | or 428H, in |
|   |     |        |                                     | accordance  |
|   |     |        |                                     | with        |
|   |     |        |                                     | subsection  |
|   |     |        |                                     | (c), *for   |
|   |     |        |                                     | any new     |
|   |     |        |                                     | borrower on |
|   |     |        |                                     | or after    |
|   |     |        |                                     | October 1,  |
|   |     |        |                                     | 1998*,"     |
|   |     |        |                                     |             |
|   |     |        |                                     | As          |
|   |     |        |                                     | currently   |
|   |     |        |                                     | written,    |
|   |     |        |                                     | the form    |
|   |     |        |                                     | implies     |
|   |     |        |                                     | that a      |
|   |     |        |                                     | borrower    |
|   |     |        |                                     | who took    |
|   |     |        |                                     | out a loan  |
|   |     |        |                                     | on October  |
|   |     |        |                                     | 1, 1998,    |
|   |     |        |                                     | does not    |
|   |     |        |                                     | qualify for |
|   |     |        |                                     | this        |
|   |     |        |                                     | forgiveness |
|   |     |        |                                     | program.    |
|   |     |        |                                     |             |
|   |     |        |                                     | Also,       |
|   |     |        |                                     | provides    |
|   |     |        |                                     | consistency |
|   |     |        |                                     | for loan    |
|   |     |        |                                     | program     |
|   |     |        |                                     | names.      |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Declined. See the response to Item  |             |
| * |     |        | #1.                                 |             |
| E |     |        |                                     |             |
| D |     |        |                                     |             |
| R |     |        |                                     |             |
| E |     |        |                                     |             |
| S |     |        |                                     |             |
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| N |     |        |                                     |             |
| S |     |        |                                     |             |
| E |     |        |                                     |             |
| : |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * | S   | Modify | **Note:** All elementary and        | Correction. |
| * | ect | text   | secondary schools operated by the   | See         |
| [ | ion | as     | Bureau of Indian ~~Affairs~~        | <http://w   |
| 1 | 7,  | noted. | [Education]{.underline}             | ww.oiep.bia |
| 0 | bul |        | (BI~~A~~[E]{.underline}) or         | .edu/bie/de |
| . | let |        | operated on Indian reservations by  | fault.cfm>. |
| ] | 5,  |        | Indian tribal groups under contract | Tribal      |
| { | No  |        | with the BI~~A~~[E]{.underline}     | schools are |
| . | te. |        | qualify as schools serving          | now         |
| m |     |        | low-income students.                | overseen by |
| a |     |        |                                     | the Bureau  |
| r |     |        |                                     | of Indian   |
| k |     |        |                                     | Education.  |
| } |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+
| * |     |        | Accepted.                           |             |
| * |     |        |                                     |             |
| E |     |        |                                     |             |
| D |     |        |                                     |             |
| R |     |        |                                     |             |
| E |     |        |                                     |             |
| S |     |        |                                     |             |
| P |     |        |                                     |             |
| O |     |        |                                     |             |
| N |     |        |                                     |             |
| S |     |        |                                     |             |
| E |     |        |                                     |             |
| : |     |        |                                     |             |
| * |     |        |                                     |             |
| * |     |        |                                     |             |
+---+-----+--------+-------------------------------------+-------------+