**U.S. Deparment of Education's Responses**

**to**

**NCHELP Program Operations Committee**

Proposed Changes and Recommendations: FFEL/Direct Loan/Perkins Military
Deferment Form

*Federal Register* Notice Published January 18, 2007

**Substantive comments are those with bold and highlight in the left
column.**

+---+--------+-----------+------------------------+---------------------+
| * |        |           |                        |                     |
| * |        |           |                        |                     |
| R |        |           |                        |                     |
| e |        |           |                        |                     |
| c |        |           |                        |                     |
| o |        |           |                        |                     |
| m |        |           |                        |                     |
| m |        |           |                        |                     |
| e |        |           |                        |                     |
| n |        |           |                        |                     |
| d |        |           |                        |                     |
| a |        |           |                        |                     |
| t |        |           |                        |                     |
| i |        |           |                        |                     |
| o |        |           |                        |                     |
| n |        |           |                        |                     |
| s |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | **Sec  | **        | **Proposed Language**  | **Rationale**       |
| * | tion** | Comment** |                        |                     |
| \ |        |           |                        |                     |
| # |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | La     | Revise as | ~~This deferment is    | Consistency with    |
| * | nguage | noted.    | available~~[Use this   | other common        |
| [ | in the |           | form]{.underline} only | deferment forms.    |
| 1 | h      |           | for Federal Family     |                     |
| . | eading |           | Education Loan         | Correction.         |
| ] | reg    |           | Program, William D.    |                     |
| { | arding |           | Ford Federal Direct    |                     |
| . | form   |           | Loan Program, or       |                     |
| m | use.   |           | Federal Perkins Loan   |                     |
| a |        |           | Program loans first    |                     |
| r |        |           | disbursed on or after  |                     |
| k |        |           | July 1,                |                     |
| } |        |           | 2001[,]{.underline}~~. |                     |
| * |        |           | A~~ [and]{.underline}  |                     |
| * |        |           | Federal Consolidation  |                     |
|   |        |           | ~~Loan~~ or Direct     |                     |
|   |        |           | Consolidation          |                     |
|   |        |           | [~~L~~l]{.underli      |                     |
|   |        |           | ne}oan[s,]{.underline} |                     |
|   |        |           | ~~is eligible for this |                     |
|   |        |           | deferment~~ only if    |                     |
|   |        |           | all of the [Title      |                     |
|   |        |           | IV]{.underline} loans  |                     |
|   |        |           | ~~that were repaid     |                     |
|   |        |           | by~~ [included         |                     |
|   |        |           | in]{.underline} the    |                     |
|   |        |           | consolidation loan     |                     |
|   |        |           | were first disbursed   |                     |
|   |        |           | on or after July 1,    |                     |
|   |        |           | 2001.                  |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted  |                        |                     |
| * |        | with      |                        |                     |
| E |        | modi      |                        |                     |
| D |        | fication. |                        |                     |
| R |        | ED's      |                        |                     |
| E |        | revised   |                        |                     |
| S |        | language  |                        |                     |
| P |        | reads as  |                        |                     |
| O |        | follows:  |                        |                     |
| N |        |           |                        |                     |
| S |        | ~~This    |                        |                     |
| E |        | deferment |                        |                     |
| : |        | is        |                        |                     |
| * |        | availa    |                        |                     |
| * |        | ble~~[Use |                        |                     |
|   |        | this      |                        |                     |
|   |        | form]{.u  |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | only for  |                        |                     |
|   |        | Federal   |                        |                     |
|   |        | Family    |                        |                     |
|   |        | Education |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | Program,  |                        |                     |
|   |        | William   |                        |                     |
|   |        | D. Ford   |                        |                     |
|   |        | Federal   |                        |                     |
|   |        | Direct    |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | Program,  |                        |                     |
|   |        | or        |                        |                     |
|   |        | Federal   |                        |                     |
|   |        | Perkins   |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | Program   |                        |                     |
|   |        | loans     |                        |                     |
|   |        | first     |                        |                     |
|   |        | disbursed |                        |                     |
|   |        | on or     |                        |                     |
|   |        | after     |                        |                     |
|   |        | July 1,   |                        |                     |
|   |        | 2001      |                        |                     |
|   |        | [,]{.unde |                        |                     |
|   |        | rline}~~. |                        |                     |
|   |        | A~~       |                        |                     |
|   |        | [and]{.u  |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | Federal   |                        |                     |
|   |        | Cons      |                        |                     |
|   |        | olidation |                        |                     |
|   |        | [         |                        |                     |
|   |        | [Loans]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | ~~Loan~~  |                        |                     |
|   |        | or Direct |                        |                     |
|   |        | Cons      |                        |                     |
|   |        | olidation |                        |                     |
|   |        | [         |                        |                     |
|   |        | [Loans]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | [~~[Ll]{  |                        |                     |
|   |        | .underlin |                        |                     |
|   |        | e}oan~~[s |                        |                     |
|   |        | ]{.underl |                        |                     |
|   |        | ine}]{.ma |                        |                     |
|   |        | rk}[,]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~is      |                        |                     |
|   |        | eligible  |                        |                     |
|   |        | for this  |                        |                     |
|   |        | de        |                        |                     |
|   |        | ferment~~ |                        |                     |
|   |        | only if   |                        |                     |
|   |        | all of    |                        |                     |
|   |        | the       |                        |                     |
|   |        | [Title    |                        |                     |
|   |        | IV]{.u    |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | loans     |                        |                     |
|   |        | ~~that    |                        |                     |
|   |        | were      |                        |                     |
|   |        | repaid    |                        |                     |
|   |        | by~~      |                        |                     |
|   |        | [included |                        |                     |
|   |        | in]{.u    |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | the       |                        |                     |
|   |        | cons      |                        |                     |
|   |        | olidation |                        |                     |
|   |        | loan were |                        |                     |
|   |        | first     |                        |                     |
|   |        | disbursed |                        |                     |
|   |        | on or     |                        |                     |
|   |        | after     |                        |                     |
|   |        | July 1,   |                        |                     |
|   |        | 2001.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 2 | W      | Insert    | ... under the U.S.     | Correction.         |
| \ | arning | the       | Criminal Code and 20   |                     |
| . | la     | section   | U.S.C.                 |                     |
|   | nguage | symbol.   | [§]{.underline}1097.   |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined. |                        |                     |
| * |        | In the    |                        |                     |
| E |        | Privacy   |                        |                     |
| D |        | Act       |                        |                     |
| R |        | Notice on |                        |                     |
| E |        | page 3 of |                        |                     |
| S |        | the form, |                        |                     |
| P |        | the       |                        |                     |
| O |        | section   |                        |                     |
| N |        | symbol is |                        |                     |
| S |        | not used  |                        |                     |
| E |        | when "20  |                        |                     |
| : |        | U.S.C."   |                        |                     |
| * |        | precedes  |                        |                     |
| * |        | the       |                        |                     |
|   |        | section   |                        |                     |
|   |        | number.   |                        |                     |
|   |        | For       |                        |                     |
|   |        | con       |                        |                     |
|   |        | sistency, |                        |                     |
|   |        | ED        |                        |                     |
|   |        | prefers   |                        |                     |
|   |        | to use    |                        |                     |
|   |        | the same  |                        |                     |
|   |        | format    |                        |                     |
|   |        | here.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Increase  |                        | Consistency with    |
| * | ection | white     |                        | other common forms. |
| [ | 1      | space by  |                        |                     |
| 3 |        | moving    |                        | Many lenders,       |
| . |        | data      |                        | servicers, and      |
| ] |        | fields to |                        | guarantors use the  |
| { |        | the       |                        | white space for     |
| . |        | right.    |                        | mailing labels      |
| m |        |           |                        | and/or bar codes.   |
| a |        |           |                        | System changes      |
| r |        |           |                        | would be required   |
| k |        |           |                        | if the white space  |
| } |        |           |                        | is reduced.         |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 4 | S      | Insert    | E-mail                 | Consistency with    |
| \ | ection | the word  | [Address]{.underline}  | other common forms. |
| . | 1      | "Address" |                        |                     |
|   |        | in the    |                        |                     |
|   |        | heading   |                        |                     |
|   |        | for the   |                        |                     |
|   |        | email     |                        |                     |
|   |        | address.  |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 5 | S      | C         | (~~o~~[                | Consistency with    |
| \ | ection | apitalize | O]{.underline}ptional) | other common forms. |
| . | 1      | the word  |                        |                     |
|   |        | "         |                        |                     |
|   |        | Optional" |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Add       | ***[Carefully read the | Provides greater    |
| * | ection | inst      | entire form, including | consistency with    |
| [ | 2      | ructional | the instructions and   | other common forms. |
| 6 |        | language  | other information in   |                     |
| . |        | at the    | Sections 5, 6, and 7.  | It is important     |
| ] |        | beginning | A representative may   | that these          |
| { |        | of this   | complete and sign this | instructions are    |
| . |        | section   | form on your behalf if | provided to a       |
| m |        | as noted. | you are unable to do   | borrower at the     |
| a |        |           | so.]{.underline}***    | beginning of the    |
| r |        |           |                        | form. The           |
| k |        |           |                        | instructions inform |
| } |        |           |                        | the borrower that   |
| * |        |           |                        | additional          |
| * |        |           |                        | information         |
|   |        |           |                        | pertinent to the    |
|   |        |           |                        | deferment request   |
|   |        |           |                        | should be reviewed  |
|   |        |           |                        | prior to completing |
|   |        |           |                        | the form.           |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 7 | S      | Revise as | I meet the             | Provides greater    |
| \ | ection | noted.    | ~~eligibility          | consistency with    |
| . | 2,     |           | requirements for this  | other common        |
|   | 1^st^  |           | deferment as           | deferment forms.    |
|   | bullet |           | expl                   |                     |
|   |        |           | ained~~[qualifications |                     |
|   |        |           | stated]{.underline} in |                     |
|   |        |           | Section 7 [for this    |                     |
|   |        |           | deferment]{.underline} |                     |
|   |        |           | and request that my    |                     |
|   |        |           | loan holder defer      |                     |
|   |        |           | repayment of my        |                     |
|   |        |           | eligible loan(s) for a |                     |
|   |        |           | period not to exceed   |                     |
|   |        |           | three years while I am |                     |
|   |        |           | either:                |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 8 | S      | Change    |  **I understand       | Consistency with    |
| \ | ection | the       | that~~\-               | punctuation on      |
| . | 3,     | dashes to | \--~~[:]{.underline}** | other common        |
|   | 1^st^  | a colon.  |                        | deferment forms.    |
|   | bullet |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 9 | S      | Modify    |                        | Correction.         |
| \ | ection | the       |                        |                     |
| . | 3,     | in        |                        |                     |
|   | 1^st^  | dentation |                        |                     |
|   | b      | and font  |                        |                     |
|   | ullet, | size of   |                        |                     |
|   | item 1 | item (1)  |                        |                     |
|   |        | to match  |                        |                     |
|   |        | other     |                        |                     |
|   |        | listed    |                        |                     |
|   |        | items.    |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | I am not required to   | Consistency with    |
| * | ection | noted.    | make payments of       | other common        |
| [ | 3,     |           | [loan]{.underline}     | deferment forms and |
| 1 | 1^st^  |           | principal ~~on my      | streamlining of     |
| 0 | b      |           | loan~~ during my       | language. Deletion  |
| . | ullet, |           | deferment. ~~The       | of sentence two     |
| ] | item 1 |           | federal government     | removes unnecessary |
| { |        |           | pays the interest on   | language.           |
| . |        |           | my loan during a       |                     |
| m |        |           | deferment if I have a  |                     |
| a |        |           | subsidized FFEL        |                     |
| r |        |           | program loan.~~        |                     |
| k |        |           | Interest               |                     |
| } |        |           | ~~                     |                     |
| * |        |           | is~~[will]{.underline} |                     |
| * |        |           | not [be]{.underline}   |                     |
|   |        |           | charged ~~during a     |                     |
|   |        |           | deferment~~ on         |                     |
|   |        |           | ~~a~~[my]{.underline}  |                     |
|   |        |           | subsidized             |                     |
|   |        |           | [FF                    |                     |
|   |        |           | EL/]{.underline}Direct |                     |
|   |        |           | ~                      |                     |
|   |        |           | ~L~~[l]{.underline}oan |                     |
|   |        |           | [(s)]{.underline}~~,~~ |                     |
|   |        |           | or ~~on~~ Perkins      |                     |
|   |        |           | ~~Loan Program~~       |                     |
|   |        |           | loan[(]{.underline}s[) |                     |
|   |        |           | during my              |                     |
|   |        |           | d                      |                     |
|   |        |           | eferment]{.underline}. |                     |
|   |        |           | [However,]{.underline} |                     |
|   |        |           | ~~I~~                  |                     |
|   |        |           | [i]{.underline}nterest |                     |
|   |        |           | ~~is~~[will            |                     |
|   |        |           | be]{.underline}        |                     |
|   |        |           | charged ~~during a     |                     |
|   |        |           | deferment~~ on         |                     |
|   |        |           | [my]{.underline}       |                     |
|   |        |           | unsubsidized FFEL      |                     |
|   |        |           | ~~and~~                |                     |
|   |        |           | [/]{.underline}Direct  |                     |
|   |        |           | ~~Loan program~~       |                     |
|   |        |           | loan[(]{.under         |                     |
|   |        |           | line}s[)]{.underline}. |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted  |                        |                     |
| * |        | with      |                        |                     |
| E |        | modi      |                        |                     |
| D |        | fication. |                        |                     |
| R |        | ED's      |                        |                     |
| E |        | revised   |                        |                     |
| S |        | language  |                        |                     |
| P |        | reads as  |                        |                     |
| O |        | follows:  |                        |                     |
| N |        |           |                        |                     |
| S |        | I am not  |                        |                     |
| E |        | required  |                        |                     |
| : |        | to make   |                        |                     |
| * |        | payments  |                        |                     |
| * |        | of        |                        |                     |
|   |        | [loan]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | principal |                        |                     |
|   |        | ~~on my   |                        |                     |
|   |        | loan~~    |                        |                     |
|   |        | during my |                        |                     |
|   |        | d         |                        |                     |
|   |        | eferment. |                        |                     |
|   |        | ~~The     |                        |                     |
|   |        | federal   |                        |                     |
|   |        | g         |                        |                     |
|   |        | overnment |                        |                     |
|   |        | pays the  |                        |                     |
|   |        | interest  |                        |                     |
|   |        | on my     |                        |                     |
|   |        | loan      |                        |                     |
|   |        | during a  |                        |                     |
|   |        | deferment |                        |                     |
|   |        | if I have |                        |                     |
|   |        | a         |                        |                     |
|   |        | s         |                        |                     |
|   |        | ubsidized |                        |                     |
|   |        | FFEL      |                        |                     |
|   |        | program   |                        |                     |
|   |        | loan.~~   |                        |                     |
|   |        | Interest  |                        |                     |
|   |        | ~~is~~    |                        |                     |
|   |        | [will]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | not       |                        |                     |
|   |        | [be]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | charged   |                        |                     |
|   |        | ~~during  |                        |                     |
|   |        | a         |                        |                     |
|   |        | de        |                        |                     |
|   |        | ferment~~ |                        |                     |
|   |        | on        |                        |                     |
|   |        | ~~a       |                        |                     |
|   |        | ~~[my]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | s         |                        |                     |
|   |        | ubsidized |                        |                     |
|   |        | [[FFEL or |                        |                     |
|   |        | Direct    |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | program   |                        |                     |
|   |        | l         |                        |                     |
|   |        | oan(s)]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | ~         |                        |                     |
|   |        | ~[[FFEL/] |                        |                     |
|   |        | {.underli |                        |                     |
|   |        | ne}Direct |                        |                     |
|   |        | L[        |                        |                     |
|   |        | l]{.under |                        |                     |
|   |        | line}oan[ |                        |                     |
|   |        | (s)]{.und |                        |                     |
|   |        | erline}]{ |                        |                     |
|   |        | .mark},~~ |                        |                     |
|   |        | or ~~on~~ |                        |                     |
|   |        | Perkins   |                        |                     |
|   |        | [[Loan    |                        |                     |
|   |        | P         |                        |                     |
|   |        | rogram]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | ~~Loan    |                        |                     |
|   |        | Program~~ |                        |                     |
|   |        | loan      |                        |                     |
|   |        | [(]{.unde |                        |                     |
|   |        | rline}s[) |                        |                     |
|   |        | during my |                        |                     |
|   |        | defer     |                        |                     |
|   |        | ment]{.un |                        |                     |
|   |        | derline}. |                        |                     |
|   |        | [How      |                        |                     |
|   |        | ever,]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~I~~[i]{ |                        |                     |
|   |        | .underlin |                        |                     |
|   |        | e}nterest |                        |                     |
|   |        | ~~        |                        |                     |
|   |        | is~~[will |                        |                     |
|   |        | be]{.u    |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | charged   |                        |                     |
|   |        | ~~during  |                        |                     |
|   |        | a         |                        |                     |
|   |        | de        |                        |                     |
|   |        | ferment~~ |                        |                     |
|   |        | on        |                        |                     |
|   |        | [my]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | uns       |                        |                     |
|   |        | ubsidized |                        |                     |
|   |        | FFEL      |                        |                     |
|   |        | [[and     |                        |                     |
|   |        | Direct    |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | p         |                        |                     |
|   |        | rogram]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | ~~and     |                        |                     |
|   |        | [[/       |                        |                     |
|   |        | ]{.underl |                        |                     |
|   |        | ine}Direc |                        |                     |
|   |        | t]{.mark} |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | program~~ |                        |                     |
|   |        | loan[(]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }s[)]{.un |                        |                     |
|   |        | derline}. |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 1 | S      | Revise as | I have the option of   | Consistency with    |
| 1 | ection | noted.    | ~~paying               | other common        |
| \ | 3,     |           | the                    | deferment forms.    |
| . | 1^st^  |           | ~~[making]{.underline} |                     |
|   | b      |           | interest               | Simplification of   |
|   | ullet, |           | [payments]{.underline} | language.           |
|   | item 2 |           | on my unsubsidized     |                     |
|   |        |           | FFEL or Direct ~~Loan  |                     |
|   |        |           | program~~ loan(s)      |                     |
|   |        |           | during my deferment.   |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined. |                        |                     |
| * |        | ED        |                        |                     |
| E |        | believes  |                        |                     |
| D |        | that it   |                        |                     |
| R |        | is        |                        |                     |
| E |        | simpler   |                        |                     |
| S |        | and more  |                        |                     |
| P |        | direct to |                        |                     |
| O |        | refer to  |                        |                     |
| N |        | "paying   |                        |                     |
| S |        | the       |                        |                     |
| E |        | i         |                        |                     |
| : |        | nterest". |                        |                     |
| * |        | In        |                        |                     |
| * |        | addition, |                        |                     |
|   |        | ED        |                        |                     |
|   |        | prefers   |                        |                     |
|   |        | to retain |                        |                     |
|   |        | the       |                        |                     |
|   |        | original  |                        |                     |
|   |        | r         |                        |                     |
|   |        | eferences |                        |                     |
|   |        | to "FFEL  |                        |                     |
|   |        | or Direct |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | program   |                        |                     |
|   |        | loan(s)"  |                        |                     |
|   |        | here and  |                        |                     |
|   |        | elsewhere |                        |                     |
|   |        | on the    |                        |                     |
|   |        | form.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 1 | S      | Revise as | My loan holder may     | Simplification of   |
| 2 | ection | noted.    | capitalize interest    | language.           |
| \ | 3,     |           | that I do not pay      |                     |
| . | 1^st^  |           | during the deferment   | Correction.         |
|   | b      |           | period on my           |                     |
|   | ullet, |           | unsubsidized FFEL or   |                     |
|   | item 3 |           | Direct ~~Loan          |                     |
|   |        |           | program~~              |                     |
|   |        |           | loan[(]{.under         |                     |
|   |        |           | line}s[)]{.underline}. |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined, |                        |                     |
| * |        | except    |                        |                     |
| E |        | for       |                        |                     |
| D |        | change    |                        |                     |
| R |        | from      |                        |                     |
| E |        | "loan" to |                        |                     |
| S |        | "         |                        |                     |
| P |        | loan(s)". |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Insert    | My deferment will end  | The current text    |
| * | ection | item (c)  | on the earlier of      | does not fully      |
| [ | 3,     | as noted. | **(a)** the date that  | clarify that the    |
| 1 | 1^st^  |           | I stop performing the  | deferment may end   |
| 3 | b      |           | military service that  | once the loan       |
| . | ullet, |           | qualifies me for the   | reaches the maximum |
| ] | item 5 |           | deferment, ~~or~~      | deferment limit     |
| { |        |           | **(b)** the ending     | because this is     |
| . |        |           | date of my qualifying  | stated as a         |
| m |        |           | military service, as   | stand-alone         |
| a |        |           | certified by an        | sentence. Correct   |
| r |        |           | authorized official or | sentence structure  |
| k |        |           | documented by my       | requires each item  |
| } |        |           | military orders~~.~~[, | to be a triggering  |
| * |        |           | or **(c)** the date on | event for the end   |
| * |        |           | which my loan reaches  | date of the         |
|   |        |           | the maximum period of  | deferment and       |
|   |        |           | deferment under the    | provides clarity.   |
|   |        |           | law.]{.underline} The  |                     |
|   |        |           | total military         |                     |
|   |        |           | deferment period may   |                     |
|   |        |           | not exceed three years |                     |
|   |        |           | for any eligible loan. |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Delete    | (7) ~~I am eligible    | Eliminate           |
| * | ection | this      |     for a military     | redundancy. This    |
| [ | 3,     | item.     |     deferment on a     | information is      |
| 1 | 1^st^  |           |     Federal            | stated in the user  |
| 4 | b      |           |     Consolidation Loan | information in the  |
| ] | ullet, |           |     or Direct          | heading.            |
| { | item 7 |           |     Consolidation Loan |                     |
| . |        |           |     only if all of my  |                     |
| m |        |           |     Title IV loans     |                     |
| a |        |           |     that were repaid   |                     |
| r |        |           |     by the             |                     |
| k |        |           |     consolidation loan |                     |
| } |        |           |     were first         |                     |
| * |        |           |     disbursed on or    |                     |
| * |        |           |     after July 1,      |                     |
| . |        |           |     2001.~~            |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Delete    | (8) [(7)]{.underline}  | Simplification of   |
| * | ection | the       |     During the         | language.           |
| [ | 3,     | second    |     deferment period   |                     |
| 1 | 1^st^  | sentence. |     on my eligible     | Since this form     |
| 5 | b      | Revise    |     loan[(]{.under     | does not            |
| . | ullet, | and       | line}s[)]{.underline}, | incorporate a       |
| ] | item 8 | renumber  |     I may request a    | forbearance         |
| { |        | as noted. |     forbearance on my  | request, specific   |
| . |        |           |     other FFEL,        | explanation of the  |
| m |        |           |                        | borrower's          |
| a |        |           |  Direct[,]{.underline} | responsibility to   |
| r |        |           |     ~~Loan~~ or        | pay accruing        |
| k |        |           |     Perkins ~~Loan     | interest during a   |
| } |        |           |     program~~ loans    | forbearance is      |
| * |        |           |     that are not       | unnecessary.        |
| * |        |           |     eligible for this  |                     |
|   |        |           |     deferment. ~~I am  | Renumber            |
|   |        |           |     responsible for    | accordingly based   |
|   |        |           |     paying the         | on the previous     |
|   |        |           |     interest that      | comment.            |
|   |        |           |     accrues on a FFEL, |                     |
|   |        |           |     Direct Loan and    |                     |
|   |        |           |     Perkins Loan       |                     |
|   |        |           |     program loan       |                     |
|   |        |           |     during a           |                     |
|   |        |           |     forbearance        |                     |
|   |        |           |     period.~~          |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        | ED        |                        |                     |
| E |        | believes  |                        |                     |
| D |        | that it   |                        |                     |
| R |        | is        |                        |                     |
| E |        | important |                        |                     |
| S |        | to        |                        |                     |
| P |        | explain   |                        |                     |
| O |        | to        |                        |                     |
| N |        | borrowers |                        |                     |
| S |        | that they |                        |                     |
| E |        | are       |                        |                     |
| : |        | re        |                        |                     |
| * |        | sponsible |                        |                     |
| * |        | for       |                        |                     |
|   |        | paying    |                        |                     |
|   |        | the       |                        |                     |
|   |        | interest  |                        |                     |
|   |        | that      |                        |                     |
|   |        | accrues   |                        |                     |
|   |        | during a  |                        |                     |
|   |        | for       |                        |                     |
|   |        | bearance. |                        |                     |
|   |        | However,  |                        |                     |
|   |        | since     |                        |                     |
|   |        | this      |                        |                     |
|   |        | in        |                        |                     |
|   |        | formation |                        |                     |
|   |        | is        |                        |                     |
|   |        | included  |                        |                     |
|   |        | in the    |                        |                     |
|   |        | d         |                        |                     |
|   |        | efinition |                        |                     |
|   |        | of        |                        |                     |
|   |        | "for      |                        |                     |
|   |        | bearance" |                        |                     |
|   |        | in        |                        |                     |
|   |        | Section   |                        |                     |
|   |        | 6, we     |                        |                     |
|   |        | agree     |                        |                     |
|   |        | that it   |                        |                     |
|   |        | can be    |                        |                     |
|   |        | deleted   |                        |                     |
|   |        | here.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise    | (9) [(8)]{.underline}  | Renumber the items  |
| * | ection | and       |     My loan holder may | accordingly based   |
| [ | 3,     | renumber  |     capitalize unpaid  | on the previous     |
| 1 | 1^st^  | as noted. |     interest that      | comment.            |
| 6 | b      |           |     accrues during a   |                     |
| . | ullet, |           |     forbearance period | Simplification of   |
| ] | items  |           |     on a FFEL or       | language.           |
| { | 9 & 10 |           |     Direct ~~Loan      |                     |
| . |        |           |     program~~ loan,    |                     |
| m |        |           |     and this will      |                     |
| a |        |           |     increase the       |                     |
| r |        |           |     principal balance  |                     |
| k |        |           |     of the loan.       |                     |
| } |        |           |     Unpaid interest    |                     |
| * |        |           |     that accrues on a  |                     |
| * |        |           |     Perkins ~~Loan     |                     |
|   |        |           |     program~~ loan     |                     |
|   |        |           |     during a           |                     |
|   |        |           |     forbearance period |                     |
|   |        |           |     is not             |                     |
|   |        |           |     capitalized.       |                     |
|   |        |           |                        |                     |
|   |        |           | (10) [(9)]{.underline} |                     |
|   |        |           |      My loan holder    |                     |
|   |        |           |      may grant me a    |                     |
|   |        |           |      forbearance on my |                     |
|   |        |           |      FFEL or Direct    |                     |
|   |        |           |      ~~Loan program~~  |                     |
|   |        |           |      loan(s) for up to |                     |
|   |        |           |      60 days, if       |                     |
|   |        |           |      necessary, for    |                     |
|   |        |           |      the collection    |                     |
|   |        |           |      and processing of |                     |
|   |        |           |      documentation     |                     |
|   |        |           |      related to my     |                     |
|   |        |           |      deferment         |                     |
|   |        |           |      request. Interest |                     |
|   |        |           |      that accrues      |                     |
|   |        |           |      during this       |                     |
|   |        |           |      forbearance       |                     |
|   |        |           |      period will not   |                     |
|   |        |           |      be capitalized.   |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined. |                        |                     |
| * |        | ED has    |                        |                     |
| E |        | r         |                        |                     |
| D |        | enumbered |                        |                     |
| R |        | the       |                        |                     |
| E |        | bullets,  |                        |                     |
| S |        | but has   |                        |                     |
| P |        | otherwise |                        |                     |
| O |        | retained  |                        |                     |
| N |        | the       |                        |                     |
| S |        | original  |                        |                     |
| E |        | language. |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 1 | S      | Revise as | > **(4)** I have read, | Provides greater    |
| 7 | ection | noted.    | > ~~and~~ understand[, | consistency with    |
| \ | 3,     |           | > and                  | other common        |
| . | 2^nd^  |           | > meet]{.underline}    | deferment forms.    |
|   | b      |           | > ~~the terms of the   |                     |
|   | ullet, |           | > deferment as         |                     |
|   | item 4 |           | > described on this    |                     |
|   |        |           | > application. I       |                     |
|   |        |           | > meet~~ the           |                     |
|   |        |           | > eligibility          |                     |
|   |        |           | > ~~requirements~~     |                     |
|   |        |           | [criteria]{.underline} |                     |
|   |        |           | > of the deferment, as |                     |
|   |        |           | > stated in Section 2  |                     |
|   |        |           | > and [explained       |                     |
|   |        |           | > in]{.underline}      |                     |
|   |        |           | > Section 7.           |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted  |                        |                     |
| * |        | with      |                        |                     |
| E |        | modi      |                        |                     |
| D |        | fication. |                        |                     |
| R |        | ED's      |                        |                     |
| E |        | revised   |                        |                     |
| S |        | language  |                        |                     |
| P |        | reads as  |                        |                     |
| O |        | follows:  |                        |                     |
| N |        |           |                        |                     |
| S |        | **(4)** I |                        |                     |
| E |        | have      |                        |                     |
| : |        | read,     |                        |                     |
| * |        | ~~and~~   |                        |                     |
| * |        | und       |                        |                     |
|   |        | erstand[, |                        |                     |
|   |        | and       |                        |                     |
|   |        | meet]{.u  |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~the     |                        |                     |
|   |        | terms of  |                        |                     |
|   |        | the       |                        |                     |
|   |        | deferment |                        |                     |
|   |        | as        |                        |                     |
|   |        | described |                        |                     |
|   |        | on this   |                        |                     |
|   |        | app       |                        |                     |
|   |        | lication. |                        |                     |
|   |        | I meet~~  |                        |                     |
|   |        | the       |                        |                     |
|   |        | el        |                        |                     |
|   |        | igibility |                        |                     |
|   |        | ~~        |                        |                     |
|   |        | requireme |                        |                     |
|   |        | nts~~[cri |                        |                     |
|   |        | teria]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | [[for     |                        |                     |
|   |        | this]{.   |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | ~~[of     |                        |                     |
|   |        | the]      |                        |                     |
|   |        | {.mark}~~ |                        |                     |
|   |        | d         |                        |                     |
|   |        | eferment, |                        |                     |
|   |        | as stated |                        |                     |
|   |        | in        |                        |                     |
|   |        | Section 2 |                        |                     |
|   |        | and       |                        |                     |
|   |        | [         |                        |                     |
|   |        | explained |                        |                     |
|   |        | in]{.u    |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | Section   |                        |                     |
|   |        | 7.        |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 1 | S      | Revise as | > **Signature of       | Consistency with    |
| 8 | ection | noted.    | > ~~the~~ Borrower or  | other common forms. |
| \ | 3,     |           | > Borrower's           |                     |
| . | Sig    |           | > Representative**     |                     |
|   | nature |           |                        |                     |
|   | line   |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 1 | S      | Revise as | > ~~Printed~~ Name of  | Consistency with    |
| 9 | ection | noted.    | > [B                   | other common        |
| \ | 3,     |           | orrower's]{.underline} | deferment forms.    |
| . | Re     |           | > Representative (if   |                     |
|   | presen |           | > applicable)          | The word "Printed"  |
|   | tative |           | >                      | is implied as there |
|   | Name   |           | > Address of           | is a separate       |
|   | and    |           | > [B                   | signature line.     |
|   | A      |           | orrower's]{.underline} |                     |
|   | ddress |           | > Representative       |                     |
|   | lines  |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted, |                        |                     |
| * |        | except    |                        |                     |
| E |        | for       |                        |                     |
| D |        | deletion  |                        |                     |
| R |        | of        |                        |                     |
| E |        | "         |                        |                     |
| S |        | Printed". |                        |                     |
| P |        | ED does   |                        |                     |
| O |        | not       |                        |                     |
| N |        | believe   |                        |                     |
| S |        | that the  |                        |                     |
| E |        | signature |                        |                     |
| : |        | line      |                        |                     |
| * |        | makes it  |                        |                     |
| * |        | suf       |                        |                     |
|   |        | ficiently |                        |                     |
|   |        | clear     |                        |                     |
|   |        | that we   |                        |                     |
|   |        | want the  |                        |                     |
|   |        | name      |                        |                     |
|   |        | printed   |                        |                     |
|   |        | on the    |                        |                     |
|   |        | line      |                        |                     |
|   |        | above.    |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | *Note: As an           | Eliminate           |
| * | ection | noted.    | alternative to         | redundancy. The     |
| [ | 4,     |           | ~~having an authorized | phrase "having an   |
| 2 | Note   |           | official complete~~    | authorized          |
| 0 |        |           | [c                     | official" is        |
| . |        |           | ompleting]{.underline} | unnecessary since   |
| ] |        |           | this section, ~~you    | the section title   |
| { |        |           | may attach a copy of   | clearly indicates   |
| . |        |           | your military orders   | that this is the    |
| m |        |           | or~~ a written         | Authorized          |
| a |        |           | statement from         | Official's          |
| r |        |           | ~~your~~               | Certification       |
| k |        |           | [the]{.underline}      | section.            |
| } |        |           | commanding or          |                     |
| * |        |           | personnel officer~~.~~ | The language "you   |
| * |        |           | [or a copy of the      | may attach" limits  |
|   |        |           | military orders may be | who may attach the  |
|   |        |           | a                      | information to only |
|   |        |           | ttached.]{.underline}* | the authorized      |
|   |        |           |                        | official; however,  |
|   |        |           |                        | the borrower,       |
|   |        |           |                        | representative, or  |
|   |        |           |                        | commanding officer  |
|   |        |           |                        | may also attach     |
|   |        |           |                        | information.        |
|   |        |           |                        | Generic verbiage is |
|   |        |           |                        | less restrictive.   |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        | The word  |                        |                     |
| E |        | "you" in  |                        |                     |
| D |        | the       |                        |                     |
| R |        | original  |                        |                     |
| E |        | language  |                        |                     |
| S |        | referred  |                        |                     |
| P |        | to the    |                        |                     |
| O |        | borrower, |                        |                     |
| N |        | not the   |                        |                     |
| S |        | a         |                        |                     |
| E |        | uthorized |                        |                     |
| : |        | official. |                        |                     |
| * |        | However,  |                        |                     |
| * |        | ED agrees |                        |                     |
|   |        | that the  |                        |                     |
|   |        | proposed  |                        |                     |
|   |        | revised   |                        |                     |
|   |        | language  |                        |                     |
|   |        | is        |                        |                     |
|   |        | simpler   |                        |                     |
|   |        | an        |                        |                     |
|   |        | clearer.  |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Bold the  | **I certify,** to the  | Bolding the phrase  |
| * | ection | phrase "I | best of my knowledge   | "I certify" makes   |
| [ | 4      | certify." | and belief, that the   | it easy for the     |
| 2 |        |           | borrower named above   | authorized official |
| 1 |        | Insert    | is[/was]{.underline}   | to determine what   |
| . |        | "/was"    | engaged in the service | is being certified. |
| ] |        | and       | described in Sections  |                     |
| { |        | change    | 2, 6, and 7 that       | Both tenses should  |
| . |        | the order | ~~began/~~begi         | be used throughout  |
| m |        | of        | ns[/began]{.underline} | this section since  |
| a |        | "bega     | on                     | borrowers may       |
| r |        | n/begins" | \|\_\_\|\_\_           | request deferment   |
| k |        | and       | \|-\|\_\_\|\_\_\|-\|\_ | retroactively. In   |
| } |        | "end      | \_\|\_\_\|\_\_\|\_\_\| | addition, the verb  |
| * |        | ed/ends." | and                    | tense order should  |
| * |        |           | ~~ended/~~en           | be changed so that  |
|   |        | Insert    | ds[/ended]{.underline} | present tense is    |
|   |        | date      | on                     | listed first, prior |
|   |        | format    | \|\_\_\|\_\_\          | to past tense, in   |
|   |        | inst      | |-\|\_\_\|\_\_\|-\|\_\ | order to maintain   |
|   |        | ructions. | _\|\_\_\|\_\_\|\_\_\|. | consistency with    |
|   |        |           | [Enter dates as        | other deferment     |
|   |        |           | month-day-year         | forms.              |
|   |        |           | (mm-                   |                     |
|   |        |           | dd-yyyy).]{.underline} | Date format         |
|   |        |           |                        | instructions should |
|   |        |           |                        | be included in this |
|   |        |           |                        | section since the   |
|   |        |           |                        | official is not     |
|   |        |           |                        | directed to review  |
|   |        |           |                        | section 5.          |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 2 | S      | Align     | \_\_\_ City, State,    | Consistency with    |
| 2 | ection | these     | Zip ~~Code~~           | other common        |
| \ | 4,     | headings  | \_\_\_\_\_\_\_\_\_     | deferment forms.    |
| . | City,  | and       |                        |                     |
|   | Tele   | revise as | \_\_\_ Telephone ( )   |                     |
|   | phone, | noted.    | \_\_\_                 |                     |
|   | and    |           | \_\_\_\_\_\_\_\_\_\_\_ |                     |
|   | Date   |           |                        |                     |
|   | lines  |           | \_\_\_ **Date**        |                     |
|   |        |           | \_                     |                     |
|   |        |           | \_\_\_\_\_\_\_\_\_\_\_ |                     |
|   |        |           | \_\_\_\_\_\_\_\_\_\_\_ |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 2 | S      | Increase  |                        | Adding space will   |
| 3 | ection | the space |                        | make this section   |
| \ | 4,     | allotted  |                        | easier for the      |
| . | A      | for the   |                        | borrower to         |
|   | ddress | Address   |                        | complete and the    |
|   | line   | by        |                        | lender to read.     |
|   |        | Reducing  |                        |                     |
|   |        | the space |                        |                     |
|   |        | allotted  |                        |                     |
|   |        | for the   |                        |                     |
|   |        | City,     |                        |                     |
|   |        | State,    |                        |                     |
|   |        | and Zip   |                        |                     |
|   |        | Code      |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 2 | S      | Rename    | ***SECTION 5:          | Consistency with    |
| 4 | ection | this      | ~~General Information  | other common forms. |
| \ | 5,     | section   | and Instructions~~     |                     |
| . | Title  | and place | [INSTRUCTIONS FOR      | In addition, the    |
|   |        | in caps.  | COMPLETING THE         | phrase "General     |
|   |        |           | FORM]{.underline}***   | Information" does   |
|   |        |           |                        | not provide         |
|   |        |           |                        | additional clarity  |
|   |        |           |                        | and is redundant.   |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 2 | S      | Remove    |                        | Consistency with    |
| 5 | ection | the       |                        | other common forms. |
| \ | 5      | bullets   |                        |                     |
| . |        | and       |                        | Due to the amount   |
|   |        | format    |                        | of information      |
|   |        | into      |                        | included on this    |
|   |        | paragraph |                        | page, space can be  |
|   |        | form.     |                        | obtained by placing |
|   |        |           |                        | this section into   |
|   |        |           |                        | paragraph form.     |
|   |        |           |                        | Placing the items   |
|   |        |           |                        | into bullet points  |
|   |        |           |                        | does not provide    |
|   |        |           |                        | additional clarity. |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | ~~Before completing    | Instructional       |
| * | ection | noted.    | Section 3, carefully   | statements about    |
| [ | 5,     |           | read the entire form,  | reading the entire  |
| 2 | 1^st^  |           | including the          | form and that a     |
| 6 | bullet |           | information in         | representative can  |
| . |        |           | Sections 6, 7 and 8.   | complete Section 3  |
| ] |        |           | Be sure to provide all | should be provided  |
| { |        |           | requested              | in Section 2 as     |
| . |        |           | information.~~ Type or | noted in a comment  |
| m |        |           | print using dark ink.  | above. This will    |
| a |        |           | ~~Sho                  | ensure that the     |
| r |        |           | w~~[Enter]{.underline} | borrower reads this |
| k |        |           | dates as ~~MM-DD-YYYY  | information prior   |
| } |        |           | (for example, show     | to completing       |
| * |        |           | "January 1, 2008" as   | Section 3.          |
| * |        |           | "01-01-2008").~~       |                     |
|   |        |           | [month-day-year        | In addition, a      |
|   |        |           | (mm-dd-yyyy). Use only | reference to        |
|   |        |           | numbers. Example:      | Section 8 is        |
|   |        |           | January 1, 2008 =      | unnecessary since   |
|   |        |           | 01                     | the borrower does   |
|   |        |           | -01-2008.]{.underline} | not need to read    |
|   |        |           | ~~A representative may | that section prior  |
|   |        |           | complete Section 3 on  | to completing the   |
|   |        |           | your behalf if you are | form.               |
|   |        |           | unable to do so.~~     |                     |
|   |        |           |                        | Modifying the date  |
|   |        |           |                        | formatting and      |
|   |        |           |                        | example provides    |
|   |        |           |                        | consistency with    |
|   |        |           |                        | other common forms. |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | [In order to establish | By listing the      |
| * | ection | noted.    | your eligibility,      | information in this |
| [ | 5,     |           | **(1)**]{.underline}   | manner, it is clear |
| 2 | 2^nd^  |           | ~~A~~[a]{.underline}n  | to the reader that  |
| 7 | bullet |           | authorized official    | there are two       |
| . |        |           | must complete section  | options in order to |
| ] |        |           | 4, or                  | establish           |
| { |        |           | **[(2)]{.underline}**  | eligibility. (If    |
| . |        |           | you must attach a copy | the numbering is    |
| m |        |           | of your military       | not used in this    |
| a |        |           | orders or a written    | section, the extra  |
| r |        |           | statement from your    | space between the   |
| k |        |           | commanding or          | words "or" and      |
| } |        |           | personnel officer.     | "you" should be     |
| * |        |           |                        | deleted.)           |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted  |                        |                     |
| * |        | with      |                        |                     |
| E |        | modi      |                        |                     |
| D |        | fication. |                        |                     |
| R |        | ED's      |                        |                     |
| E |        | revised   |                        |                     |
| S |        | language  |                        |                     |
| P |        | reads as  |                        |                     |
| O |        | follows:  |                        |                     |
| N |        |           |                        |                     |
| S |        | [In order |                        |                     |
| E |        | to        |                        |                     |
| : |        | establish |                        |                     |
| * |        | your      |                        |                     |
| * |        | eli       |                        |                     |
|   |        | gibility, |                        |                     |
|   |        | **        |                        |                     |
|   |        | (1)**]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~A       |                        |                     |
|   |        | ~~[a]{.un |                        |                     |
|   |        | derline}n |                        |                     |
|   |        | a         |                        |                     |
|   |        | uthorized |                        |                     |
|   |        | official  |                        |                     |
|   |        | must      |                        |                     |
|   |        | complete  |                        |                     |
|   |        | section   |                        |                     |
|   |        | 4, or     |                        |                     |
|   |        | **[       |                        |                     |
|   |        | (2)]{.und |                        |                     |
|   |        | erline}** |                        |                     |
|   |        | [~~you    |                        |                     |
|   |        | must      |                        |                     |
|   |        | attach~   |                        |                     |
|   |        | ~]{.mark} |                        |                     |
|   |        | a copy of |                        |                     |
|   |        | your      |                        |                     |
|   |        | military  |                        |                     |
|   |        | orders or |                        |                     |
|   |        | a written |                        |                     |
|   |        | statement |                        |                     |
|   |        | from your |                        |                     |
|   |        | c         |                        |                     |
|   |        | ommanding |                        |                     |
|   |        | or        |                        |                     |
|   |        | personnel |                        |                     |
|   |        | officer   |                        |                     |
|   |        | [[must be |                        |                     |
|   |        | att       |                        |                     |
|   |        | ached]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ]{.mark}. |                        |                     |
|   |        |           |                        |                     |
|   |        | ED's      |                        |                     |
|   |        | changes   |                        |                     |
|   |        | are for   |                        |                     |
|   |        | co        |                        |                     |
|   |        | nsistency |                        |                     |
|   |        | with the  |                        |                     |
|   |        | revised   |                        |                     |
|   |        | language  |                        |                     |
|   |        | in        |                        |                     |
|   |        | Section 4 |                        |                     |
|   |        | (see      |                        |                     |
|   |        | #20).     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 2 | S      | Reorder   | If you need help       | By reordering, the  |
| 8 | ection | and       | completing this form,  | reader is aware     |
| \ | 5,     | revise    | contact your loan      | that separate forms |
| . | 4^th^  | the       | holder. [If you are    | are needed for each |
|   | bullet | sentences | applying for a         | loan holder prior   |
|   |        | as noted. | deferment of loans     | to referencing the  |
|   |        |           | that are held by       | mailing address.    |
|   |        |           | different loan         |                     |
|   |        |           | holders, you must      | Bolding and         |
|   |        |           | submit a separate      | italicizing the     |
|   |        |           | deferment request to   | information for     |
|   |        |           | each loan              | returning the       |
|   |        |           | holder.]{.underline}   | completed form as   |
|   |        |           |                        | well as adding a    |
|   |        |           | ***Return the          | blank line prior to |
|   |        |           | completed              | it provides         |
|   |        |           | ~~applicati            | consistency with    |
|   |        |           | on~~[form]{.underline} | other common forms. |
|   |        |           | and any required       |                     |
|   |        |           | documentation to the   |                     |
|   |        |           | address shown in       |                     |
|   |        |           | Section 8.*** ~~If you |                     |
|   |        |           | are applying for a     |                     |
|   |        |           | deferment of loans     |                     |
|   |        |           | that are held by       |                     |
|   |        |           | different loan         |                     |
|   |        |           | holders, you must      |                     |
|   |        |           | submit a separate      |                     |
|   |        |           | deferment request to   |                     |
|   |        |           | each loan holder.~~    |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Use the   |                        | Use of first person |
| * | ection | words "I" |                        | pronouns is         |
| [ | 6      | and "my"  |                        | consistent with the |
| 2 |        | instead   |                        | definition sections |
| 9 |        | of "you"  |                        | of other deferment  |
| . |        | and       |                        | forms.              |
| ] |        | "your"    |                        |                     |
| { |        | t         |                        |                     |
| . |        | hroughout |                        |                     |
| m |        | this      |                        |                     |
| a |        | section.  |                        |                     |
| r |        |           |                        |                     |
| k |        |           |                        |                     |
| } |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 3 | S      | Insert    | -   **Active duty**    | Consistency with    |
| 0 | ection | the       |     means full-time    | other common forms. |
| \ | 6,     | acronym   |     duty in the active |                     |
| . | 1^st^  | for       |     military service   | By listing the word |
|   | bullet | United    |     of the United      | and its acronym     |
|   |        | States.   |     States             | upon the first      |
|   |        |           |                        | occurrence of the   |
|   |        |           |   [(U.S.)]{.underline} | word, the acronym   |
|   |        |           |     as defined in 10   | alone can be used   |
|   |        |           |     U.S.C. 101(d)(1),  | later on the page.  |
|   |        |           |     but does not       |                     |
|   |        |           |     include training   |                     |
|   |        |           |     or attendance at a |                     |
|   |        |           |     service school.    |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined. |                        |                     |
| * |        | ED        |                        |                     |
| E |        | believes  |                        |                     |
| D |        | that the  |                        |                     |
| R |        | acronym   |                        |                     |
| E |        | "U.S." is |                        |                     |
| S |        | so        |                        |                     |
| P |        | f         |                        |                     |
| O |        | requently |                        |                     |
| N |        | used as   |                        |                     |
| S |        | an        |                        |                     |
| E |        | abb       |                        |                     |
| : |        | reviation |                        |                     |
| * |        | for       |                        |                     |
| * |        | "United   |                        |                     |
|   |        | States"   |                        |                     |
|   |        | that it   |                        |                     |
|   |        | can be    |                        |                     |
|   |        | used      |                        |                     |
|   |        | later on  |                        |                     |
|   |        | the form  |                        |                     |
|   |        | without   |                        |                     |
|   |        | being     |                        |                     |
|   |        | explained |                        |                     |
|   |        | here.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 3 | S      | Revise as | -   An **authorized    | Consistency with    |
| 1 | ection | noted.    |     certifying         | other common        |
| \ | 6,     |           |     official** is      | deferment forms.    |
| . | 2^nd^  |           |     ~~                 |                     |
|   | bullet |           | your~~[my]{.underline} | Eliminate           |
|   |        |           |     commanding         | redundancy.         |
|   |        |           |     ~~officer~~ or     |                     |
|   |        |           |     personnel officer. |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 3 | S      | Revise as | -   **Capitalization** | The word "Program"  |
| 2 | ection | noted.    |     is the addition of | is being used as a  |
| \ | 6,     |           |     unpaid interest to | proper noun and     |
| . | 3^rd^  |           |     the principal      | should be           |
|   | bullet |           |     balance of         | capitalized.        |
|   |        |           |     ~~                 |                     |
|   |        |           | your~~[my]{.underline} |                     |
|   |        |           |     FFEL or Direct     |                     |
|   |        |           |     Loan               |                     |
|   |        |           |     ~~p~               |                     |
|   |        |           | ~[P]{.underline}rogram |                     |
|   |        |           |     loan. This will    |                     |
|   |        |           |     increase the       |                     |
|   |        |           |     principal and      |                     |
|   |        |           |     total cost of      |                     |
|   |        |           |     ~~                 |                     |
|   |        |           | your~~[my]{.underline} |                     |
|   |        |           |     loan.              |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted, |                        |                     |
| * |        | except    |                        |                     |
| E |        | for the   |                        |                     |
| D |        | change    |                        |                     |
| R |        | from      |                        |                     |
| E |        | "program" |                        |                     |
| S |        | to        |                        |                     |
| P |        | "         |                        |                     |
| O |        | Program". |                        |                     |
| N |        | Use of    |                        |                     |
| S |        | the lower |                        |                     |
| E |        | case      |                        |                     |
| : |        | "program" |                        |                     |
| * |        | is        |                        |                     |
| * |        | c         |                        |                     |
|   |        | onsistent |                        |                     |
|   |        | with      |                        |                     |
|   |        | usage     |                        |                     |
|   |        | elsewhere |                        |                     |
|   |        | on the    |                        |                     |
|   |        | form.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 3 | S      | Revise as | -   A **deferment** is | Eliminate           |
| 3 | ection | noted.    |     a period during    | redundancy. The     |
| \ | 6,     |           |     which ~~you        | word "temporarily"  |
| . | 4^th^  |           |     are~~[I            | in the first        |
|   | bullet |           |     am]{.underline}    | sentence is         |
|   |        |           |     entitled to        | redundant and       |
|   |        |           |     ~~temporarily~~    | unnecessary.        |
|   |        |           |     postpone making    |                     |
|   |        |           |     payments ~~of~~[on | Other changes more  |
|   |        |           |     the]{.underline}   | closely align this  |
|   |        |           |     principal          | definition with     |
|   |        |           |                        | other common        |
|   |        |           |  [balance]{.underline} | deferment forms and |
|   |        |           |     ~~on your~~[of     | provide more        |
|   |        |           |     my]{.underline}    | concise language.   |
|   |        |           |     loan(s). The       |                     |
|   |        |           |     federal government | The word "Program"  |
|   |        |           |     pays the interest  | is being used as a  |
|   |        |           |     on ~~your loan     | proper noun and     |
|   |        |           |     during a deferment | should be           |
|   |        |           |     if you have~~ a    | capitalized.        |
|   |        |           |     subsidized FFEL    |                     |
|   |        |           |     ~~p~               |                     |
|   |        |           | ~[P]{.underline}rogram |                     |
|   |        |           |     loan [during a     |                     |
|   |        |           |     d                  |                     |
|   |        |           | eferment]{.underline}. |                     |
|   |        |           |     Interest is not    |                     |
|   |        |           |     charged during a   |                     |
|   |        |           |     deferment on a     |                     |
|   |        |           |     subsidized Direct  |                     |
|   |        |           |     Loan, or on a      |                     |
|   |        |           |     Perkins Loan       |                     |
|   |        |           |     Program loan.      |                     |
|   |        |           |     Interest is        |                     |
|   |        |           |     charged during a   |                     |
|   |        |           |     deferment on       |                     |
|   |        |           |     unsubsidized FFEL  |                     |
|   |        |           |     and Direct Loan    |                     |
|   |        |           |     ~~p~               |                     |
|   |        |           | ~[P]{.underline}rogram |                     |
|   |        |           |     loans.             |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted  |                        |                     |
| * |        | with      |                        |                     |
| E |        | modif     |                        |                     |
| D |        | ications. |                        |                     |
| R |        | ED's      |                        |                     |
| E |        | revised   |                        |                     |
| S |        | language  |                        |                     |
| P |        | reads as  |                        |                     |
| O |        | follows:  |                        |                     |
| N |        |           |                        |                     |
| S |        | A         |                        |                     |
| E |        | **de      |                        |                     |
| : |        | ferment** |                        |                     |
| * |        | is a      |                        |                     |
| * |        | period    |                        |                     |
|   |        | during    |                        |                     |
|   |        | which     |                        |                     |
|   |        | ~~you     |                        |                     |
|   |        | are~~[I   |                        |                     |
|   |        | am]{.u    |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | entitled  |                        |                     |
|   |        | to        |                        |                     |
|   |        | [[tempo   |                        |                     |
|   |        | rarily]{. |                        |                     |
|   |        | mark}]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~temp    |                        |                     |
|   |        | orarily~~ |                        |                     |
|   |        | postpone  |                        |                     |
|   |        | making    |                        |                     |
|   |        | payments  |                        |                     |
|   |        | ~~of~~[on |                        |                     |
|   |        | the]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | principal |                        |                     |
|   |        | [ba       |                        |                     |
|   |        | lance]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~on      |                        |                     |
|   |        | your~~[of |                        |                     |
|   |        | my]{.u    |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | loan(s).  |                        |                     |
|   |        | ~~[The    |                        |                     |
|   |        | federal   |                        |                     |
|   |        | g         |                        |                     |
|   |        | overnment |                        |                     |
|   |        | pays the  |                        |                     |
|   |        | interest  |                        |                     |
|   |        | o         |                        |                     |
|   |        | n]{.mark} |                        |                     |
|   |        | your loan |                        |                     |
|   |        | during a  |                        |                     |
|   |        | deferment |                        |                     |
|   |        | if you    |                        |                     |
|   |        | have~~    |                        |                     |
|   |        | ~~a       |                        |                     |
|   |        | s         |                        |                     |
|   |        | ubsidized |                        |                     |
|   |        | FFEL      |                        |                     |
|   |        | p[[P]     |                        |                     |
|   |        | {.underli |                        |                     |
|   |        | ne}rogram |                        |                     |
|   |        | loan      |                        |                     |
|   |        | [during a |                        |                     |
|   |        | deferm    |                        |                     |
|   |        | ent]{.und |                        |                     |
|   |        | erline}.] |                        |                     |
|   |        | {.mark}~~ |                        |                     |
|   |        | Interest  |                        |                     |
|   |        | is not    |                        |                     |
|   |        | charged   |                        |                     |
|   |        | during a  |                        |                     |
|   |        | deferment |                        |                     |
|   |        | on        |                        |                     |
|   |        | ~~[a]     |                        |                     |
|   |        | {.mark}~~ |                        |                     |
|   |        | s         |                        |                     |
|   |        | ubsidized |                        |                     |
|   |        | [[FFEL    |                        |                     |
|   |        | or]{.     |                        |                     |
|   |        | mark}]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | Direct    |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | [[program |                        |                     |
|   |        | loans]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ]{.mark}, |                        |                     |
|   |        | or on     |                        |                     |
|   |        | ~~[a]     |                        |                     |
|   |        | {.mark}~~ |                        |                     |
|   |        | Perkins   |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | Program   |                        |                     |
|   |        | lo        |                        |                     |
|   |        | an[[s]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ]{.mark}. |                        |                     |
|   |        | Interest  |                        |                     |
|   |        | is        |                        |                     |
|   |        | charged   |                        |                     |
|   |        | during a  |                        |                     |
|   |        | deferment |                        |                     |
|   |        | on        |                        |                     |
|   |        | uns       |                        |                     |
|   |        | ubsidized |                        |                     |
|   |        | FFEL and  |                        |                     |
|   |        | Direct    |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | [[p       |                        |                     |
|   |        | rogram]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | ~~p[[P]{  |                        |                     |
|   |        | .underlin |                        |                     |
|   |        | e}rogram] |                        |                     |
|   |        | {.mark}~~ |                        |                     |
|   |        | loans.    |                        |                     |
|   |        |           |                        |                     |
|   |        | ED        |                        |                     |
|   |        | believes  |                        |                     |
|   |        | that the  |                        |                     |
|   |        | word      |                        |                     |
|   |        | "tem      |                        |                     |
|   |        | porarily" |                        |                     |
|   |        | should be |                        |                     |
|   |        | retained, |                        |                     |
|   |        | as this   |                        |                     |
|   |        | helps to  |                        |                     |
|   |        | emphasize |                        |                     |
|   |        | that a    |                        |                     |
|   |        | deferment |                        |                     |
|   |        | may not   |                        |                     |
|   |        | continue  |                        |                     |
|   |        | inde      |                        |                     |
|   |        | finitely. |                        |                     |
|   |        | ED's      |                        |                     |
|   |        | other     |                        |                     |
|   |        | changes   |                        |                     |
|   |        | are for   |                        |                     |
|   |        | co        |                        |                     |
|   |        | nsistency |                        |                     |
|   |        | with      |                        |                     |
|   |        | language  |                        |                     |
|   |        | elsewhere |                        |                     |
|   |        | on the    |                        |                     |
|   |        | form.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Add       | -   The **Federal      | Although SLS loans  |
| * | ection | language  |     Family Education   | are not eligible    |
| [ | 6,     | regarding |     Loan (FFEL)        | for this deferment, |
| 3 | 5^th^  | SLS       |     Program** includes | SLS loans are still |
| 4 | bullet | loans.    |     Federal Stafford   | a FFEL Program loan |
| . |        |           |     Loans (both        | and should be       |
| ] |        |           |     subsidized and     | referenced.         |
| { |        |           |     unsubsidized),     |                     |
| . |        |           |     [Federal           | Consistency with    |
| m |        |           |     Supplemental Loans | other common forms. |
| a |        |           |     for Students       |                     |
| r |        |           |                        |                     |
| k |        |           |    (SLS),]{.underline} |                     |
| } |        |           |     Federal PLUS       |                     |
| * |        |           |     Loans, and Federal |                     |
| * |        |           |     Consolidation      |                     |
|   |        |           |     Loans.             |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined. |                        |                     |
| * |        | Since SLS |                        |                     |
| E |        | loans are |                        |                     |
| D |        | not       |                        |                     |
| R |        | eligible  |                        |                     |
| E |        | for the   |                        |                     |
| S |        | military  |                        |                     |
| P |        | d         |                        |                     |
| O |        | eferment, |                        |                     |
| N |        | ED        |                        |                     |
| S |        | believes  |                        |                     |
| E |        | that it   |                        |                     |
| : |        | may be    |                        |                     |
| * |        | confusing |                        |                     |
| * |        | to        |                        |                     |
|   |        | include   |                        |                     |
|   |        | these     |                        |                     |
|   |        | loans in  |                        |                     |
|   |        | the FFEL  |                        |                     |
|   |        | Program   |                        |                     |
|   |        | d         |                        |                     |
|   |        | efinition |                        |                     |
|   |        | on this   |                        |                     |
|   |        | form.     |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Change    | -   The **Federal      | Consistency with    |
| * | ection | the       |     Perkins Loan       | other deferment     |
| [ | 6,     | second    |     (Perkins Loan)     | forms.              |
| 3 | 6^th^  | listing   |     Program** includes |                     |
| 5 | bullet | of NDSL   |     Federal Perkins    |                     |
| . |        | to        |     Loans, National    |                     |
| ] |        | Defense   |     Direct Student     |                     |
| { |        | Loan and  |     Loans (NDSL), and  |                     |
| . |        | add a     |     National Defense   |                     |
| m |        | closing   |     Student Loans      |                     |
| a |        | par       |     (~~NDSL~~[Defense  |                     |
| r |        | enthesis. |                        |                     |
| k |        |           |    Loan)]{.underline}. |                     |
| } |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | -   **Forbearance**    | Provides greater    |
| * | ection | noted.    |     means permitting   | consistency with    |
| [ | 6,     |           |     the temporary      | other common forms. |
| 3 | 7^th^  |           |     cessation of       |                     |
| 6 | bullet |           |     payments,          | Incorporating       |
| . |        |           |     ~~temporarily      | information about   |
| ] |        |           |     accepting smaller  | capitalization of   |
| { |        |           |     payments than      | interest during     |
| . |        |           |     scheduled, or~~    | forbearance is      |
| m |        |           |     allowing an        | aside from the      |
| a |        |           |     extension of time  | definition of the   |
| r |        |           |     for making         | term. This form     |
| k |        |           |     payments[, or      | does not            |
| } |        |           |     temporarily        | incorporate a       |
| * |        |           |     accepting smaller  | borrower's request  |
| * |        |           |     payments than      | for forbearance,    |
|   |        |           |     s                  | thus the            |
|   |        |           | cheduled]{.underline}. | information is      |
|   |        |           |     ~~You are~~[I      | unnecessary.        |
|   |        |           |     am]{.underline}    |                     |
|   |        |           |     responsible for    |                     |
|   |        |           |     paying the         |                     |
|   |        |           |     interest that      |                     |
|   |        |           |     accrues on ~~all   |                     |
|   |        |           |     Title IV           |                     |
|   |        |           |     loans~~[my         |                     |
|   |        |           |                        |                     |
|   |        |           |   loan(s)]{.underline} |                     |
|   |        |           |     during a           |                     |
|   |        |           |     forb               |                     |
|   |        |           | earance[.]{.underline} |                     |
|   |        |           |     ~~period. If you   |                     |
|   |        |           |     do not pay the     |                     |
|   |        |           |     interest that      |                     |
|   |        |           |     accrues on a FFEL  |                     |
|   |        |           |     or Direct Loan     |                     |
|   |        |           |     program loan       |                     |
|   |        |           |     during             |                     |
|   |        |           |     forbearance, it    |                     |
|   |        |           |     may be             |                     |
|   |        |           |     capitalized.       |                     |
|   |        |           |     Unpaid interest    |                     |
|   |        |           |     that accrues on a  |                     |
|   |        |           |     Perkins Loan       |                     |
|   |        |           |     Program loan       |                     |
|   |        |           |     during a           |                     |
|   |        |           |     forbearance is not |                     |
|   |        |           |     capitalized.~~     |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted, |                        |                     |
| * |        | except    |                        |                     |
| E |        | for the   |                        |                     |
| D |        | deletion  |                        |                     |
| R |        | of the    |                        |                     |
| E |        | last two  |                        |                     |
| S |        | s         |                        |                     |
| P |        | entences. |                        |                     |
| O |        | ED        |                        |                     |
| N |        | believes  |                        |                     |
| S |        | that it   |                        |                     |
| E |        | is        |                        |                     |
| : |        | important |                        |                     |
| * |        | to        |                        |                     |
| * |        | provide   |                        |                     |
|   |        | this      |                        |                     |
|   |        | in        |                        |                     |
|   |        | formation |                        |                     |
|   |        | to        |                        |                     |
|   |        | b         |                        |                     |
|   |        | orrowers. |                        |                     |
|   |        | ED has    |                        |                     |
|   |        | retained  |                        |                     |
|   |        | the last  |                        |                     |
|   |        | two       |                        |                     |
|   |        | sentences |                        |                     |
|   |        | and has   |                        |                     |
|   |        | revised   |                        |                     |
|   |        | the first |                        |                     |
|   |        | of these  |                        |                     |
|   |        | sentences |                        |                     |
|   |        | to read   |                        |                     |
|   |        | as        |                        |                     |
|   |        | follows:  |                        |                     |
|   |        |           |                        |                     |
|   |        | If        |                        |                     |
|   |        | [~~you~~  |                        |                     |
|   |        | [I]{.     |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | do not    |                        |                     |
|   |        | pay the   |                        |                     |
|   |        | interest  |                        |                     |
|   |        | that      |                        |                     |
|   |        | accrues   |                        |                     |
|   |        | on a FFEL |                        |                     |
|   |        | or Direct |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | program   |                        |                     |
|   |        | loan      |                        |                     |
|   |        | during    |                        |                     |
|   |        | for       |                        |                     |
|   |        | bearance, |                        |                     |
|   |        | it may be |                        |                     |
|   |        | cap       |                        |                     |
|   |        | italized. |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | -   The **holder** of  | Consistency with    |
| * | ection | noted.    |     ~~a                | other common        |
| [ | 6,     |           |     borrow             | deferment forms.    |
| 3 | 8^th^  |           | er's~~[my]{.underline} |                     |
| 7 | bullet |           |     FFEL Program       |                     |
| . |        |           |     loan(s) may be a   |                     |
| ] |        |           |     lender, ~~a~~      |                     |
| { |        |           |     guaranty agency,   |                     |
| . |        |           |     [secondary         |                     |
| m |        |           |                        |                     |
| a |        |           |   market,]{.underline} |                     |
| r |        |           |     or the U.S.        |                     |
| k |        |           |     Department of      |                     |
| } |        |           |     Education (ED).    |                     |
| * |        |           |     The holder of a    |                     |
| * |        |           |     borrower's Direct  |                     |
|   |        |           |     Loan Program       |                     |
|   |        |           |     loan(s) is ED. The |                     |
|   |        |           |     holder of a        |                     |
|   |        |           |     borrower's Perkins |                     |
|   |        |           |     Loan Program       |                     |
|   |        |           |     loan(s) may be a   |                     |
|   |        |           |     school or ED.      |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted  |                        |                     |
| * |        | with      |                        |                     |
| E |        | modi      |                        |                     |
| D |        | fication. |                        |                     |
| R |        | ED's      |                        |                     |
| E |        | revised   |                        |                     |
| S |        | language  |                        |                     |
| P |        | reads as  |                        |                     |
| O |        | follows:  |                        |                     |
| N |        |           |                        |                     |
| S |        | The       |                        |                     |
| E |        | *         |                        |                     |
| : |        | *holder** |                        |                     |
| * |        | of ~~a    |                        |                     |
| * |        | b         |                        |                     |
|   |        | orrower's |                        |                     |
|   |        | ~~[my]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | FFEL      |                        |                     |
|   |        | Program   |                        |                     |
|   |        | loan(s)   |                        |                     |
|   |        | may be a  |                        |                     |
|   |        | lender,   |                        |                     |
|   |        | ~~a~~     |                        |                     |
|   |        | guaranty  |                        |                     |
|   |        | agency,   |                        |                     |
|   |        | [         |                        |                     |
|   |        | secondary |                        |                     |
|   |        | ma        |                        |                     |
|   |        | rket,]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | or the    |                        |                     |
|   |        | U.S.      |                        |                     |
|   |        | D         |                        |                     |
|   |        | epartment |                        |                     |
|   |        | of        |                        |                     |
|   |        | Education |                        |                     |
|   |        | (ED). The |                        |                     |
|   |        | holder of |                        |                     |
|   |        | [~~a      |                        |                     |
|   |        | bo        |                        |                     |
|   |        | rrower's~ |                        |                     |
|   |        | ~]{.mark} |                        |                     |
|   |        | [[my]{.   |                        |                     |
|   |        | mark}]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | Direct    |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | Program   |                        |                     |
|   |        | loan(s)   |                        |                     |
|   |        | is ED.    |                        |                     |
|   |        | The       |                        |                     |
|   |        | holder of |                        |                     |
|   |        | [~~a      |                        |                     |
|   |        | bor       |                        |                     |
|   |        | rower's~~ |                        |                     |
|   |        | [my]{.    |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | Perkins   |                        |                     |
|   |        | Loan      |                        |                     |
|   |        | Program   |                        |                     |
|   |        | loan(s)   |                        |                     |
|   |        | may be a  |                        |                     |
|   |        | school or |                        |                     |
|   |        | ED.       |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | -   **Military         | Clarity and greater |
| * | ection | noted.    |     operation** means  | consistency with    |
| [ | 6,     |           |     a contingency      | the U.S. Code       |
| 3 | 9^th^  |           |     operation as       | definition.         |
| 8 | bullet |           |     defined in 10      |                     |
| . |        |           |     U.S.C.             | Numbering items     |
| ] |        |           |     101(a)(13)~~. A    | provides            |
| { |        |           |     contingency        | consistency with    |
| . |        |           |     operation~~[,      | other common forms. |
| m |        |           |     which]{.underline} | Revising the        |
| a |        |           |     is a military      | language of the     |
| r |        |           |     operation that     | introductory        |
| k |        |           |     ~~is~~             | portion provides an |
| } |        |           |     **(~               | appropriate lead-in |
| * |        |           | ~a~~[1]{.underline})** | for both (1) and    |
| * |        |           |     [is]{.underline}   | (2).                |
|   |        |           |     designated by the  |                     |
|   |        |           |     U[.                | Since U.S. is       |
|   |        |           | ]{.underline}~~nited~~ | already defined,    |
|   |        |           |     S[.                | the acronym should  |
|   |        |           | ]{.underline}~~tates~~ | be used in this     |
|   |        |           |     Secretary of       | definition.         |
|   |        |           |     Defense as an      |                     |
|   |        |           |     operation in which | Correction, clarity |
|   |        |           |     members of the     | and eliminates      |
|   |        |           |     Armed Forces are   | redundancy.         |
|   |        |           |     or may become      |                     |
|   |        |           |     involved in        |                     |
|   |        |           |     military actions,  |                     |
|   |        |           |     operations, or     |                     |
|   |        |           |     hostilities        |                     |
|   |        |           |     against an enemy   |                     |
|   |        |           |     of the             |                     |
|   |        |           |     U[.                |                     |
|   |        |           | ]{.underline}~~nited~~ |                     |
|   |        |           |     S[.                |                     |
|   |        |           | ]{.underline}~~tates~~ |                     |
|   |        |           |     or against an      |                     |
|   |        |           |     opposing military  |                     |
|   |        |           |     force; or          |                     |
|   |        |           |     **(~               |                     |
|   |        |           | ~b~~[2]{.underline})** |                     |
|   |        |           |     results in the     |                     |
|   |        |           |     call or order to,  |                     |
|   |        |           |     or retention on,   |                     |
|   |        |           |     active duty of     |                     |
|   |        |           |     members of the     |                     |
|   |        |           |     uniformed services |                     |
|   |        |           |     under 10 U.S.C.    |                     |
|   |        |           |     688, 12301(a),     |                     |
|   |        |           |     12302, 12304,      |                     |
|   |        |           |     12305,             |                     |
|   |        |           |     [or]{.underline}   |                     |
|   |        |           |     124                |                     |
|   |        |           | 06~~,~~[;]{.underline} |                     |
|   |        |           |     ~~under~~ 10       |                     |
|   |        |           |     U.S.C. Chapter     |                     |
|   |        |           |                        |                     |
|   |        |           | 15~~,~~[;]{.underline} |                     |
|   |        |           |     or ~~under~~ any   |                     |
|   |        |           |     other provision of |                     |
|   |        |           |     law during a war   |                     |
|   |        |           |     or during a        |                     |
|   |        |           |     national emergency |                     |
|   |        |           |     declared by the    |                     |
|   |        |           |     President or       |                     |
|   |        |           |     Congress.          |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted, |                        |                     |
| * |        | except    |                        |                     |
| E |        | for the   |                        |                     |
| D |        | proposed  |                        |                     |
| R |        | change    |                        |                     |
| E |        | that      |                        |                     |
| S |        | combines  |                        |                     |
| P |        | the first |                        |                     |
| O |        | and       |                        |                     |
| N |        | second    |                        |                     |
| S |        | s         |                        |                     |
| E |        | entences. |                        |                     |
| : |        | Combining |                        |                     |
| * |        | the first |                        |                     |
| * |        | and       |                        |                     |
|   |        | second    |                        |                     |
|   |        | sentences |                        |                     |
|   |        | results   |                        |                     |
|   |        | in a      |                        |                     |
|   |        | single    |                        |                     |
|   |        | sentence  |                        |                     |
|   |        | that is a |                        |                     |
|   |        | full      |                        |                     |
|   |        | paragraph |                        |                     |
|   |        | in length |                        |                     |
|   |        | and does  |                        |                     |
|   |        | not       |                        |                     |
|   |        | improve   |                        |                     |
|   |        | clarity.  |                        |                     |
|   |        | ED's      |                        |                     |
|   |        | revised   |                        |                     |
|   |        | language  |                        |                     |
|   |        | reads as  |                        |                     |
|   |        | follows:  |                        |                     |
|   |        |           |                        |                     |
|   |        | *         |                        |                     |
|   |        | *Military |                        |                     |
|   |        | op        |                        |                     |
|   |        | eration** |                        |                     |
|   |        | means a   |                        |                     |
|   |        | co        |                        |                     |
|   |        | ntingency |                        |                     |
|   |        | operation |                        |                     |
|   |        | as        |                        |                     |
|   |        | defined   |                        |                     |
|   |        | in 10     |                        |                     |
|   |        | U.S.C.    |                        |                     |
|   |        | 101(      |                        |                     |
|   |        | a)(13)[[. |                        |                     |
|   |        | A         |                        |                     |
|   |        | co        |                        |                     |
|   |        | ntingency |                        |                     |
|   |        | ope       |                        |                     |
|   |        | ration~~, |                        |                     |
|   |        | w         |                        |                     |
|   |        | hich~~]{. |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | is a      |                        |                     |
|   |        | military  |                        |                     |
|   |        | operation |                        |                     |
|   |        | that      |                        |                     |
|   |        | ~~is~~    |                        |                     |
|   |        | **(~~a~~  |                        |                     |
|   |        | [1]{.unde |                        |                     |
|   |        | rline})** |                        |                     |
|   |        | [is]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | d         |                        |                     |
|   |        | esignated |                        |                     |
|   |        | by the    |                        |                     |
|   |        | U[.]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~nited~~ |                        |                     |
|   |        | S[.]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~tates~~ |                        |                     |
|   |        | Secretary |                        |                     |
|   |        | of        |                        |                     |
|   |        | Defense   |                        |                     |
|   |        | as an     |                        |                     |
|   |        | operation |                        |                     |
|   |        | in which  |                        |                     |
|   |        | members   |                        |                     |
|   |        | of the    |                        |                     |
|   |        | Armed     |                        |                     |
|   |        | Forces    |                        |                     |
|   |        | are or    |                        |                     |
|   |        | may       |                        |                     |
|   |        | become    |                        |                     |
|   |        | involved  |                        |                     |
|   |        | in        |                        |                     |
|   |        | military  |                        |                     |
|   |        | actions,  |                        |                     |
|   |        | op        |                        |                     |
|   |        | erations, |                        |                     |
|   |        | or        |                        |                     |
|   |        | ho        |                        |                     |
|   |        | stilities |                        |                     |
|   |        | against   |                        |                     |
|   |        | an enemy  |                        |                     |
|   |        | of the    |                        |                     |
|   |        | U[.]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~nited~~ |                        |                     |
|   |        | S[.]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~tates~~ |                        |                     |
|   |        | or        |                        |                     |
|   |        | against   |                        |                     |
|   |        | an        |                        |                     |
|   |        | opposing  |                        |                     |
|   |        | military  |                        |                     |
|   |        | force; or |                        |                     |
|   |        | **(~~b~~  |                        |                     |
|   |        | [2]{.unde |                        |                     |
|   |        | rline})** |                        |                     |
|   |        | results   |                        |                     |
|   |        | in the    |                        |                     |
|   |        | call or   |                        |                     |
|   |        | order to, |                        |                     |
|   |        | or        |                        |                     |
|   |        | retention |                        |                     |
|   |        | on,       |                        |                     |
|   |        | active    |                        |                     |
|   |        | duty of   |                        |                     |
|   |        | members   |                        |                     |
|   |        | of the    |                        |                     |
|   |        | uniformed |                        |                     |
|   |        | services  |                        |                     |
|   |        | under 10  |                        |                     |
|   |        | U.S.C.    |                        |                     |
|   |        | 688,      |                        |                     |
|   |        | 12301(a), |                        |                     |
|   |        | 12302,    |                        |                     |
|   |        | 12304,    |                        |                     |
|   |        | 12305,    |                        |                     |
|   |        | [or]{.u   |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | 12406~~   |                        |                     |
|   |        | ,~~[;]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | ~~under~~ |                        |                     |
|   |        | 10 U.S.C. |                        |                     |
|   |        | Chapter   |                        |                     |
|   |        | 15~~      |                        |                     |
|   |        | ,~~[;]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | or        |                        |                     |
|   |        | ~~under~~ |                        |                     |
|   |        | any other |                        |                     |
|   |        | provision |                        |                     |
|   |        | of law    |                        |                     |
|   |        | during a  |                        |                     |
|   |        | war or    |                        |                     |
|   |        | during a  |                        |                     |
|   |        | national  |                        |                     |
|   |        | emergency |                        |                     |
|   |        | declared  |                        |                     |
|   |        | by the    |                        |                     |
|   |        | President |                        |                     |
|   |        | or        |                        |                     |
|   |        | Congress. |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | -   **Qualifying       | Closer alignment    |
| * | ection | noted.    |     National Guard     | with U.S.C.         |
| [ | 6,     |           |     duty during a war  | 101(d)(5) and       |
| 3 | 11^th^ |           |     or other operation | clarity for         |
| 9 | bullet |           |     or national        | borrower.           |
| . |        |           |     emergency** means  |                     |
| ] |        |           |     ~~service          | Correction.         |
| { |        |           |     as~~[training or   |                     |
| . |        |           |     other duty, other  |                     |
| m |        |           |     than inactive,     |                     |
| a |        |           |     performed          |                     |
| r |        |           |     by]{.underline} a  |                     |
| k |        |           |     member of the      |                     |
| } |        |           |     National Guard on  |                     |
| * |        |           |     full-time National |                     |
| * |        |           |     Guard duty, as     |                     |
|   |        |           |     defined in 10      |                     |
|   |        |           |     U.S.C. 101(d)(5),  |                     |
|   |        |           |     under a call to    |                     |
|   |        |           |     active service     |                     |
|   |        |           |     authorized by the  |                     |
|   |        |           |     President or the   |                     |
|   |        |           |     Secretary of       |                     |
|   |        |           |     Defense ~~for a    |                     |
|   |        |           |     period of~~[. The  |                     |
|   |        |           |     training or other  |                     |
|   |        |           |     duty must be       |                     |
|   |        |           |     performed          |                     |
|   |        |           |     for]{.underline}   |                     |
|   |        |           |     more than 30       |                     |
|   |        |           |     consecutive days   |                     |
|   |        |           |     under 32 U.S.C.    |                     |
|   |        |           |     502(f) in          |                     |
|   |        |           |     connection with a  |                     |
|   |        |           |     war, other         |                     |
|   |        |           |     military           |                     |
|   |        |           |     operation, or      |                     |
|   |        |           |     national emergency |                     |
|   |        |           |     [as]{.underline}   |                     |
|   |        |           |     declared by the    |                     |
|   |        |           |     President and      |                     |
|   |        |           |     supported by       |                     |
|   |        |           |     ~~F~               |                     |
|   |        |           | ~[f]{.underline}ederal |                     |
|   |        |           |     funds.             |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 4 | S      | Revise as | -   **Serving on       | Correction.         |
| 0 | ection | noted.    |     active duty during |                     |
| \ | 6,     |           |     a war or other     | Clarity.            |
| . | 12^th^ |           |     military operation |                     |
|   | bullet |           |     or national        |                     |
|   |        |           |     emergency** means  |                     |
|   |        |           |     service by an      |                     |
|   |        |           |     individual who is  |                     |
|   |        |           |     **(1)** a Reserve  |                     |
|   |        |           |     of an Armed Force  |                     |
|   |        |           |     ordered to active  |                     |
|   |        |           |     duty under 10      |                     |
|   |        |           |     U.S.C. 12301(a),   |                     |
|   |        |           |     12301(g), 12302,   |                     |
|   |        |           |                        |                     |
|   |        |           |   12304[,]{.underline} |                     |
|   |        |           |     or 12306; or       |                     |
|   |        |           |     **(2)** a retired  |                     |
|   |        |           |     member of an Armed |                     |
|   |        |           |     Force ordered to   |                     |
|   |        |           |     active duty under  |                     |
|   |        |           |     10 U.S.C. 688 for  |                     |
|   |        |           |     service in         |                     |
|   |        |           |     connection with a  |                     |
|   |        |           |     war or other       |                     |
|   |        |           |     military operation |                     |
|   |        |           |     or national        |                     |
|   |        |           |     emergency,         |                     |
|   |        |           |     regardless of the  |                     |
|   |        |           |     location at which  |                     |
|   |        |           |     the active duty    |                     |
|   |        |           |     service is         |                     |
|   |        |           |     performed; or      |                     |
|   |        |           |     **(3)** any other  |                     |
|   |        |           |     member of an Armed |                     |
|   |        |           |     Force on active    |                     |
|   |        |           |     duty in connection |                     |
|   |        |           |     with the emergency |                     |
|   |        |           |     or subsequent      |                     |
|   |        |           |     actions or         |                     |
|   |        |           |     conditions who has |                     |
|   |        |           |     been assigned to a |                     |
|   |        |           |     duty station at a  |                     |
|   |        |           |     location other     |                     |
|   |        |           |     than the location  |                     |
|   |        |           |     ~~at               |                     |
|   |        |           |     whic               |                     |
|   |        |           | h~~[where]{.underline} |                     |
|   |        |           |     the member is      |                     |
|   |        |           |     normally assigned. |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | -   **Title IV loans** | Correction and      |
| * | ection | noted.    |     include~~s~~ loans | consistency with    |
| [ | 6,     |           |     made under the     | other common        |
| 4 | 13^th^ |           |     FFEL, Direct Loan, | deferment forms.    |
| 1 | bullet |           |     ~                  |                     |
| . |        |           | ~or~~[and]{.underline} |                     |
| ] |        |           |     Perkins Loan       |                     |
| { |        |           |     programs.          |                     |
| . |        |           |                        |                     |
| m |        |           |                        |                     |
| a |        |           |                        |                     |
| r |        |           |                        |                     |
| k |        |           |                        |                     |
| } |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 4 | S      | Relocate  | -   The William D.     | This loan type is   |
| 2 | ection | this      |     Ford **Federal     | more commonly       |
| \ | 6,     | listing   |     Direct Loan        | referred to as a    |
| . | 14^th^ | after the |     (Direct Loan)      | Federal Direct Loan |
|   | bullet | Federal   |     Program** includes | rather than a       |
|   |        | Perkins   |     Federal Direct     | William D. Ford     |
|   |        | de        |     Stafford/Ford      | Federal Direct      |
|   |        | finition, |     ~~Loans~~ (Direct  | Loan. In order for  |
|   |        | unbold    |     Subsidized         | borrowers to more   |
|   |        | "William  |     ~~Loans~~)         | readily locate this |
|   |        | D. Ford," |                        | loan type, it       |
|   |        | and       |   [Loans]{.underline}, | should be located   |
|   |        | modify    |     Federal Direct     | under the F's. In   |
|   |        | the       |     Unsubsidized       | addition, the       |
|   |        | language  |     Stafford/Ford      | bolding should not  |
|   |        | as        |     ~~Loans~~ (Direct  | begin until the     |
|   |        | i         |     Unsubsidized       | word "Federal." The |
|   |        | ndicated. |     ~~Loans~~)         | word "Loans" should |
|   |        |           |                        | be consolidated and |
|   |        |           |   [Loans]{.underline}, | only used one time  |
|   |        |           |     Federal Direct     | for each loan       |
|   |        |           |     PLUS ~~Loans~~     | program for economy |
|   |        |           |     (Direct PLUS       | of language.        |
|   |        |           |     ~~Loans~~)         |                     |
|   |        |           |                        |                     |
|   |        |           |   [Loans]{.underline}, |                     |
|   |        |           |     and Federal Direct |                     |
|   |        |           |     Consolidation      |                     |
|   |        |           |     ~~Loans~~ (Direct  |                     |
|   |        |           |     Consolidation      |                     |
|   |        |           |     ~~Loans~~)         |                     |
|   |        |           |                        |                     |
|   |        |           |   [Loans]{.underline}. |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | -   Federal            | Consistency with    |
| * | ection | noted.    |     Consolidation      | the language in the |
| [ | 7,     |           |     Loans and Direct   | header of the form  |
| 4 | 1^st^  |           |     Consolidation      | and provides        |
| 3 | b      |           |     Loans,             | clearer guidance to |
| . | ullet, |           |     [only]{.underline} | the borrower.       |
| ] | sub-   |           |     if all of the      |                     |
| { | bullet |           |     borrower's Title   |                     |
| . | 2      |           |     IV loans ~~that    |                     |
| m |        |           |     were repaid        |                     |
| a |        |           |     by~~[included      |                     |
| r |        |           |     in]{.underline}    |                     |
| k |        |           |     the consolidation  |                     |
| } |        |           |     loan were first    |                     |
| * |        |           |     disbursed **on or  |                     |
| * |        |           |     after July 1,      |                     |
|   |        |           |     2001**.            |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted  |                        |                     |
| * |        | with      |                        |                     |
| E |        | modi      |                        |                     |
| D |        | fication. |                        |                     |
| R |        | ED's      |                        |                     |
| E |        | revised   |                        |                     |
| S |        | language  |                        |                     |
| P |        | reads as  |                        |                     |
| O |        | follows:  |                        |                     |
| N |        |           |                        |                     |
| S |        | Federal   |                        |                     |
| E |        | Cons      |                        |                     |
| : |        | olidation |                        |                     |
| * |        | Loans and |                        |                     |
| * |        | Direct    |                        |                     |
|   |        | Cons      |                        |                     |
|   |        | olidation |                        |                     |
|   |        | Loans,    |                        |                     |
|   |        | [only]{.u |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | if all of |                        |                     |
|   |        | [~~the    |                        |                     |
|   |        | bor       |                        |                     |
|   |        | rower's~~ |                        |                     |
|   |        | [my]{.    |                        |                     |
|   |        | underline |                        |                     |
|   |        | }]{.mark} |                        |                     |
|   |        | Title IV  |                        |                     |
|   |        | loans     |                        |                     |
|   |        | ~~that    |                        |                     |
|   |        | were      |                        |                     |
|   |        | repaid    |                        |                     |
|   |        | by~~      |                        |                     |
|   |        | [included |                        |                     |
|   |        | in]{.u    |                        |                     |
|   |        | nderline} |                        |                     |
|   |        | the       |                        |                     |
|   |        | cons      |                        |                     |
|   |        | olidation |                        |                     |
|   |        | loan were |                        |                     |
|   |        | first     |                        |                     |
|   |        | disbursed |                        |                     |
|   |        | **on or   |                        |                     |
|   |        | after     |                        |                     |
|   |        | July 1,   |                        |                     |
|   |        | 2001**.   |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * | S      | Revise as | -   I may defer        | Clarity.            |
| * | ection | noted.    |     repayment of       |                     |
| [ | 7,     |           |     ~~                 |                     |
| 4 | 2^nd^  |           | my~~[each]{.underline} |                     |
| 4 | bullet |           |     eligible           |                     |
| . |        |           |     loan~~(s)~~ for a  |                     |
| ] |        |           |     maximum of 3 years |                     |
| { |        |           |     while I am:        |                     |
| . |        |           |                        |                     |
| m |        |           |                        |                     |
| a |        |           |                        |                     |
| r |        |           |                        |                     |
| k |        |           |                        |                     |
| } |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined. |                        |                     |
| * |        | ED        |                        |                     |
| E |        | believes  |                        |                     |
| D |        | that the  |                        |                     |
| R |        | original  |                        |                     |
| E |        | reference |                        |                     |
| S |        | to "my    |                        |                     |
| P |        | eligible  |                        |                     |
| O |        | loan(s)"  |                        |                     |
| N |        | is        |                        |                     |
| S |        | suf       |                        |                     |
| E |        | ficiently |                        |                     |
| : |        | clear.    |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 4 | S      | Revise as | ~~Send                 | Provides greater    |
| 5 | ection | noted.    | ~~[Return]{.underline} | consistency with    |
| \ | 8      |           | the completed          | other common forms. |
| . |        |           | deferment request and  |                     |
|   |        |           | any                    |                     |
|   |        |           | ~~                     |                     |
|   |        |           | attachments~~[required |                     |
|   |        |           | docu                   |                     |
|   |        |           | mentation]{.underline} |                     |
|   |        |           | to:                    |                     |
|   |        |           |                        |                     |
|   |        |           | (If no address is      |                     |
|   |        |           | shown, return to your  |                     |
|   |        |           | loan holder.)          |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 4 | S      | Use title | **P~~RIVACY            | Consistency within  |
| 6 | ection | case on   | ~~[rivacy]{.underline} | this section as     |
| \ | 9      | the       | A                      | "Paperwork          |
| . |        | heading   | ~~CT~~[ct]{.underline} | Reduction Notice"   |
|   |        | for       | N~~OTICE~~             | is in title case    |
|   |        | Privacy   | [otice]{.underline}.** | and with other      |
|   |        | Act       |                        | common forms.       |
|   |        | Notice    |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 4 | S      | Revise    | The authority for      | Correction.         |
| 7 | ection | paragraph | collecting the         |                     |
| \ | 9,     | 1 as      | requested information  | Consistency.        |
| . | Imp    | noted.    | from and about you     | Although            |
|   | ortant |           | [                      | underlining "et     |
|   | N      |           | is]{.underline}~~are~~ | seq." is one way to |
|   | otices |           | §421 *et               | properly notate it, |
|   |        |           | seq[.]{.underline}*,   | other common forms  |
|   |        |           | §451 *et seq*., and/or | show this in        |
|   |        |           | §461 *et seq.* of the  | italics.            |
|   |        |           | Higher Education Act   |                     |
|   |        |           | (HEA) of 1965, as      |                     |
|   |        |           | amended (20 U.S.C.     |                     |
|   |        |           | 1071 *et seq.*, 20     |                     |
|   |        |           | U.S.C. 1087a *et       |                     |
|   |        |           | seq.*, and/or 20       |                     |
|   |        |           | U.S.C. 1087aa *et      |                     |
|   |        |           | seq.*)[,]{.underline}  |                     |
|   |        |           | and the authorities    |                     |
|   |        |           | for collecting and     |                     |
|   |        |           | using your Social      |                     |
|   |        |           | Security Number (SSN)  |                     |
|   |        |           | are §484(a)(4) of the  |                     |
|   |        |           | HEA (20 U.S.C.         |                     |
|   |        |           | 1091(a)(4)) and 31     |                     |
|   |        |           | U.S.C. 7701(b).        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 4 | S      | Revise as | To provide a           | Correction.         |
| 8 | ection | noted.    | standardized method    |                     |
| \ | 9,     |           | for educational        |                     |
| . | P      |           | institutions           |                     |
|   | rivacy |           | ~~efficiently~~ to     |                     |
|   | Act    |           | [ef                    |                     |
|   | N      |           | ficiently]{.underline} |                     |
|   | otice, |           | submit student         |                     |
|   | 3^rd^  |           | enrollment status,     |                     |
|   | par    |           | disclosures may be     |                     |
|   | agraph |           | made to guaranty       |                     |
|   |        |           | agencies or to         |                     |
|   |        |           | financial and          |                     |
|   |        |           | educational            |                     |
|   |        |           | institutions.          |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| [ | S      | Bold,     | ~~If you have comments | By bolding and      |
| * | ection | i         | concerning the         | italicizing this    |
| * | 9,     | talicize, | accuracy of the time   | sentence and        |
| 4 | Pap    | and       | estimate(s) or         | placing the address |
| 9 | erwork | revise as | suggestions for        | information on a    |
| * | Red    | noted.    | improving this form,   | separate line, it   |
| * | uction |           | please write           | is much clearer     |
| . | Notice |           | to:~~***[If you have   | that comments       |
| ] |        |           | any comments           | regarding the       |
| { |        |           | concerning the         | Paperwork Reduction |
| . |        |           | accuracy of the time   | Notice should go to |
| m |        |           | estimate(s) or         | the Department of   |
| a |        |           | suggestions for        | Education, rather   |
| r |        |           | improving this form,   | than the loan       |
| k |        |           | please write           | holder.             |
| } |        |           | to:]{.underline}***    |                     |
|   |        |           |                        |                     |
|   |        |           | U.S. Department of     |                     |
|   |        |           | Education, Washington, |                     |
|   |        |           | DC 20202-4651.         |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| 5 | S      | Bold,     | ***If you have         | Consistency with    |
| 0 | ection | i         | ~~questions~~[comments | other common        |
| \ | 9,     | talicize, | or                     | deferment forms.    |
| . | Pap    | and       | concerns]{.underline}  |                     |
|   | erwork | revise as | regarding the status   |                     |
|   | Red    | noted.    | of your individual     |                     |
|   | uction |           | submission of this     |                     |
|   | N      |           | form, ~~contact your   |                     |
|   | otice, |           | loan holder (see       |                     |
|   | last   |           | Section 8)~~[write     |                     |
|   | se     |           | directly to the        |                     |
|   | ntence |           | address shown in       |                     |
|   |        |           | Section                |                     |
|   |        |           | 8]{.underline}.***     |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Declined. |                        |                     |
| * |        | ED        |                        |                     |
| E |        | believes  |                        |                     |
| D |        | that      |                        |                     |
| R |        | "q        |                        |                     |
| E |        | uestions" |                        |                     |
| S |        | is the    |                        |                     |
| P |        | more      |                        |                     |
| O |        | ap        |                        |                     |
| N |        | propriate |                        |                     |
| S |        | word in   |                        |                     |
| E |        | this      |                        |                     |
| : |        | context   |                        |                     |
| * |        | -- a      |                        |                     |
| * |        | borrower  |                        |                     |
|   |        | is more   |                        |                     |
|   |        | likely to |                        |                     |
|   |        | have      |                        |                     |
|   |        | questions |                        |                     |
|   |        | about the |                        |                     |
|   |        | status of |                        |                     |
|   |        | his or    |                        |                     |
|   |        | her       |                        |                     |
|   |        | s         |                        |                     |
|   |        | ubmission |                        |                     |
|   |        | of a      |                        |                     |
|   |        | deferment |                        |                     |
|   |        | request   |                        |                     |
|   |        | rather    |                        |                     |
|   |        | than      |                        |                     |
|   |        | comments/ |                        |                     |
|   |        | concerns. |                        |                     |
|   |        | In        |                        |                     |
|   |        | addition, |                        |                     |
|   |        | we        |                        |                     |
|   |        | believe   |                        |                     |
|   |        | it is     |                        |                     |
|   |        | better to |                        |                     |
|   |        | tell the  |                        |                     |
|   |        | borrower  |                        |                     |
|   |        | to        |                        |                     |
|   |        | "contact" |                        |                     |
|   |        | the loan  |                        |                     |
|   |        | holder.   |                        |                     |
|   |        | Saying    |                        |                     |
|   |        | "write    |                        |                     |
|   |        | to" would |                        |                     |
|   |        | suggest   |                        |                     |
|   |        | that the  |                        |                     |
|   |        | b         |                        |                     |
|   |        | orrower's |                        |                     |
|   |        | inquiry   |                        |                     |
|   |        | must be   |                        |                     |
|   |        | in        |                        |                     |
|   |        | writing.  |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| [ | Footer | Add the   |                        | Consistency with    |
| * |        | page      |                        | other common        |
| * |        | number to |                        | deferment forms.    |
| 5 |        | the       |                        |                     |
| 1 |        | bottom of |                        |                     |
| * |        | each page |                        |                     |
| * |        | on the    |                        |                     |
| . |        | form.     |                        |                     |
| ] |        |           |                        |                     |
| { |        |           |                        |                     |
| . |        |           |                        |                     |
| m |        |           |                        |                     |
| a |        |           |                        |                     |
| r |        |           |                        |                     |
| k |        |           |                        |                     |
| } |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | Accepted. |                        |                     |
| * |        |           |                        |                     |
| E |        |           |                        |                     |
| D |        |           |                        |                     |
| R |        |           |                        |                     |
| E |        |           |                        |                     |
| S |        |           |                        |                     |
| P |        |           |                        |                     |
| O |        |           |                        |                     |
| N |        |           |                        |                     |
| S |        |           |                        |                     |
| E |        |           |                        |                     |
| : |        |           |                        |                     |
| * |        |           |                        |                     |
| * |        |           |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| [ | Form   | St        |                        | Consistency with    |
| * |        | andardize |                        | other common forms. |
| * |        | the form  |                        |                     |
| 5 |        | so the    |                        | Margin size and     |
| 2 |        | general   |                        | spacing may impact  |
| * |        | ap        |                        | a lender's ability  |
| * |        | pearance, |                        | to print the forms  |
| . |        | including |                        | and/or could        |
| ] |        | margins,  |                        | require sufficient  |
| { |        | spacing,  |                        | reprogramming of    |
| . |        | heading   |                        | systems to          |
| m |        | bars,     |                        | incorporate a newly |
| a |        | font, and |                        | formatted form.     |
| r |        | f         |                        |                     |
| k |        | ormatting |                        |                     |
| } |        | is        |                        |                     |
|   |        | c         |                        |                     |
|   |        | onsistent |                        |                     |
|   |        | with the  |                        |                     |
|   |        | other     |                        |                     |
|   |        | common    |                        |                     |
|   |        | forms.    |                        |                     |
+---+--------+-----------+------------------------+---------------------+
| * |        | ED has    |                        |                     |
| * |        | made      |                        |                     |
| E |        | changes   |                        |                     |
| D |        | to make   |                        |                     |
| R |        | this form |                        |                     |
| E |        | more      |                        |                     |
| S |        | c         |                        |                     |
| P |        | onsistent |                        |                     |
| O |        | with      |                        |                     |
| N |        | existing  |                        |                     |
| S |        | FFEL      |                        |                     |
| E |        | Program   |                        |                     |
| : |        | deferment |                        |                     |
| * |        | forms.    |                        |                     |
| * |        | However,  |                        |                     |
|   |        | note that |                        |                     |
|   |        | this is   |                        |                     |
|   |        | not just  |                        |                     |
|   |        | a FFEL    |                        |                     |
|   |        | Program   |                        |                     |
|   |        | form. It  |                        |                     |
|   |        | is also   |                        |                     |
|   |        | used by   |                        |                     |
|   |        | Direct    |                        |                     |
|   |        | Loan and  |                        |                     |
|   |        | Perkins   |                        |                     |
|   |        | b         |                        |                     |
|   |        | orrowers. |                        |                     |
+---+--------+-----------+------------------------+---------------------+