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<td colspan="11"><h1
id="federal-consolidation-loan-verification-certificate">Federal
Consolidation Loan Verification Certificate</h1>
<p>The Federal Consolidation Loan Program enables borrowers to apply for
a federally guaranteed loan to consolidate outstanding education loans
pursuant to Title IV of the Higher Education Act of 1965, as amended.
The borrower identified in Item 3 of this Certificate has requested
consolidation of his/her eligible education loan(s). Eligible loans are
identified under Loan Codes listed in the Federal Consolidation Loan
Verification Certificate Instructions. This form is used to verify the
eligibility and the payoff amount of the borrower’s outstanding
education loan(s) selected for consolidation. As part of the Federal
Consolidation Loan Application, the borrower named in Item 3 has
authorized your disclosure of information regarding the education
loan(s) listed below. <strong>Please verify and/or complete ALL items
and return this form to the entity identified in Item 19.</strong> Pay
special attention to Item 6, Loan Code. This Loan Verification
Certificate will be relied on by the consolidating lender in paying off
the listed loan(s).</p>
<p><em><strong>Federal regulations require that you complete and return
this form within 10 business days. See the instructions for details on
completing this form.</strong></em></p></td>
</tr>
<tr class="even">
<td colspan="5"><strong>(1)</strong> Holder/Servicer Name and
Address</td>
<td colspan="6"><p><strong>(2)</strong> Institution and Address to which
payoff amount should be sent</p>
<p>(if different from Item 1).</p>
<p>Name
__________________________________________________________________________</p>
<p>Street
__________________________________________________________________________</p>
<p>City _______________________________ State _________ Zip
___________________________</p>
<p>Telephone ( )
__________________________________________________________</p>
<p>Contact Name
___________________________________________________________________</p></td>
</tr>
<tr class="odd">
<td colspan="5"><strong>(3)</strong> Borrower SSN, Name, Address, and
Telephone Number</td>
<td colspan="6"><strong>(4)</strong> Anticipated Loan Payoff Date
_______________________________________________________</td>
</tr>
<tr class="even">
<td><strong>(5)</strong> Account Number</td>
<td><strong>(6)</strong> Loan Code</td>
<td><p><strong>(7)</strong> Current</p>
<p>Guarantor</p>
<p>or Program Code</p></td>
<td><p><strong>(8)</strong> First/Only Disbursement</p>
<p>Date</p></td>
<td><p><strong>(9)</strong> Interest</p>
<p>Rate</p></td>
<td><p><strong>(10)</strong> Borrower</p>
<p>Status Code</p></td>
<td><p><strong>(11)</strong> Grace End Date</p>
<p>(MM/DD/YY)</p></td>
<td><p><strong>(12)</strong> First/Next</p>
<p>Payment Due</p>
<p>(MM/DD/YY)</p></td>
<td><p><strong>(13)</strong> Current</p>
<p>Principal</p>
<p>Balance</p></td>
<td><p><strong>(14)</strong> Payoff Amount</p>
<p>as of Anticipated</p>
<p>Loan Payoff Date<sup>1</sup></p></td>
<td><p><strong>(15)</strong> Daily</p>
<p>Interest</p>
<p>Accrual</p></td>
</tr>
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<td></td>
<td></td>
<td></td>
<td></td>
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</tr>
<tr class="odd">
<td colspan="6"></td>
<td colspan="3"><strong>(16)</strong> Total Payoff
Amount<sup>1</sup></td>
<td></td>
<td rowspan="2"></td>
</tr>
<tr class="even">
<td colspan="9"><strong><sup>1</sup> Collection Costs:</strong> If a
defaulted Federal Stafford, SLS, PLUS, or Consolidation loan is held by
a guaranty agency, collection costs may not exceed 18.5 percent of the
outstanding principal and interest.</td>
<td></td>
</tr>
<tr class="odd">
<td colspan="11"><p><strong>(17)</strong> Additional Comments
__________________________________________________________</p>
<p><strong>(18) Holder/Servicer Certification: (a)</strong> To the best
of my knowledge and belief, the information on this form is accurate and
complete; <strong>(b)</strong> Each loan listed above is a legal,
valid,</p>
<p>and binding obligation of the borrower; <strong>(c)</strong> Each
such loan was made and serviced in compliance with all applicable laws
and regulations; <strong>(d)</strong> In the case of Federal
Stafford</p>
<p>[subsidized, nonsubsidized, and unsubsidized (GSL)], Federal PLUS,
Federal SLS (ALAS), Federal Consolidation, and Federal Insured Student
Loans (FISL) held by the</p>
<p>lender, the insurance on each such loan is in full force and effect;
and <strong>(e)</strong> The loan amounts confirmed include only unpaid
principal, unpaid accrued interest for which the</p>
<p>borrower is responsible, late charges (as defined by federal
regulations), and eligible collection costs.</p></td>
</tr>
<tr class="even">
<td colspan="11"><p>___________________________________________________
_____________________________________________________________
___________________________</p>
<p>Signature of Authorized Official Holder/Servicer Name Today’s
Date</p>
<p>__________________________________________________ ( )
________________________________________________
__________________________</p>
<p>Name and Title of Authorized Official (Please Print) Area Code and
Telephone Number Lender/School/Guarantor</p>
<p>ED Code</p>
<p>For information or assistance when completing this certificate,
please contact the consolidating lender.</p>
<p><strong>(19) Return original to: Or fax to:</strong></p></td>
</tr>
</tbody>
</table>

+-----------------------+-----------------------+-----------------------+
| ## F                  |                       |                       |
| ederal Consolidation  |                       |                       |
| Loan Verification Cer |                       |                       |
| tificate Instructions |                       |                       |
|                       |                       |                       |
| The borrower named in |                       |                       |
| the Certificate has   |                       |                       |
| requested             |                       |                       |
| consolidation of      |                       |                       |
| his/her eligible      |                       |                       |
| education loan(s). As |                       |                       |
| part of his/her       |                       |                       |
| application for a     |                       |                       |
| Federal Consolidation |                       |                       |
| Loan, the borrower    |                       |                       |
| authorizes each       |                       |                       |
| education loan        |                       |                       |
| holder/servicer to    |                       |                       |
| complete a Loan       |                       |                       |
| Verification          |                       |                       |
| Certificate. The      |                       |                       |
| consolidating lender  |                       |                       |
| will use the Loan     |                       |                       |
| Verification          |                       |                       |
| Certificate to        |                       |                       |
| determine the         |                       |                       |
| eligibility of loans  |                       |                       |
| for inclusion in the  |                       |                       |
| consolidation and the |                       |                       |
| payoff amount due to  |                       |                       |
| each creditor. After  |                       |                       |
| receiving the Loan    |                       |                       |
| Verification          |                       |                       |
| Certificate and the   |                       |                       |
| documents required    |                       |                       |
| from the applicant,   |                       |                       |
| the consolidating     |                       |                       |
| lender will pay off   |                       |                       |
| the borrower's        |                       |                       |
| debt(s) based on the  |                       |                       |
| information provided  |                       |                       |
| on the Certificate.   |                       |                       |
| Upon receipt of       |                       |                       |
| payment, the loan     |                       |                       |
| holder must return    |                       |                       |
| the original or a     |                       |                       |
| copy of the           |                       |                       |
| Promissory Note or    |                       |                       |
| provide other         |                       |                       |
| acceptable notice to  |                       |                       |
| the borrower (as if   |                       |                       |
| the borrower          |                       |                       |
| personally paid the   |                       |                       |
| loan in full). Any    |                       |                       |
| overpayments or       |                       |                       |
| subsequent borrower   |                       |                       |
| payments are to be    |                       |                       |
| sent to the           |                       |                       |
| consolidating lender  |                       |                       |
| so they may be        |                       |                       |
| applied to the        |                       |                       |
| borrower's            |                       |                       |
| outstanding principal |                       |                       |
| balance in accordance |                       |                       |
| with Department of    |                       |                       |
| Education guidelines. |                       |                       |
+-----------------------+-----------------------+-----------------------+
| **Consolidating       | have multiple         | is the sum of the     |
| Lender                | accounts for this     | following, as of the  |
| Instructions:**       | borrower, please list | anticipated           |
|                       | each loan separately. |                       |
| Using information     | If the account number | payoff date in Item   |
| from the borrower's   | is the same for each  | 4:                    |
| application,          | loan, enter "same" on |                       |
|                       | the subsequent        | a\) principal         |
| complete Items 1 and  | accounts.             | outstanding           |
| 3 - 6.                |                       | (including            |
|                       | **Item 6:** Complete  | capitalized           |
| **Holder/Servicer     | or correct the loan   |                       |
| Instructions:**       | code using the        | interest);            |
|                       |                       |                       |
| Please complete Items | abbreviations from    | b\) unpaid accrued    |
| 2 and 7 - 18 and      | the list below.       | interest;             |
| confirm that the      |                       |                       |
|                       | **Item 7:** Enter the | c\) unpaid late       |
| information provided  | guarantor or program  | charges, if           |
| is accurate.          | code from the list    | applicable (as        |
|                       | below.                | defined               |
| **Item 1:** Complete  |                       |                       |
| or correct            | **Item 8:** Enter the | by federal            |
| holder/servicer name  | first, or only,       | regulations); and     |
|                       | disbursement date     |                       |
| and address if        |                       | d)  eligible          |
| different than        | for each loan.        |     collection costs, |
| printed.              |                       |     (not to exceed    |
|                       | **Item 9:** Enter the |     18.5              |
| **Item 2:** If the    | interest rate for     |                       |
| payoff check should   | each loan.            | > percent of the      |
| be sent to a          |                       | > outstanding         |
|                       | **Item 10:** Enter    | > principal and       |
| different institution | the current status of | > interest            |
| or address than that  | the borrower's        | >                     |
| shown in              |                       | > on a FFELP loan in  |
|                       | accounts using the    | > default and held by |
| Item 1, complete this | status codes from the | > a                   |
| information.          | list below.           | >                     |
|                       |                       | > guaranty agency),   |
| **Item 3:** Complete  | **Item 11:** For each | > if applicable.      |
| or correct the        | loan, enter the grace |                       |
| borrower's Social     | period end date, if   | **Item 15:** Enter    |
|                       | applicable.           | the daily interest    |
| Security Number, full |                       | accrual factor (per   |
| name, address, and    | **Item 12:** Enter    |                       |
| telephone             | the account's next    | diem) used in         |
|                       | payment due date. If  | completing Item 14    |
| number.               | the account is in     | for each loan. The    |
|                       | grace period status,  |                       |
| **Item 4:** Enter the | enter the             | interest accrual      |
| anticipated loan      | antici-pated first    | factor is calculated  |
| payoff date if not    | payment due date. If  | by multiplying the    |
|                       | the account is        |                       |
| provided by the       | delinquent, enter the | outstanding principal |
| consolidating lender. | borrower's most       | balance of the loan   |
| Enter a date          | delinquent payment    | by the interest rate  |
|                       | due date.             | divided by 365.25 or  |
| which is 30 days from |                       | the actual number of  |
| the date you receive  | **Item 13:** Enter    | days in the calendar  |
| the                   | the current principal | year.                 |
|                       | balance of each       |                       |
| Certificate, if not   |                       | **Item 16:** Enter    |
| provided by the       | loan (including       | the total payoff      |
| consolidating lender. | capitalized           | amount due the holder |
|                       | interest).            |                       |
| **Item 5:** Complete  |                       | shown on this         |
| or correct the        | **Item 14:** Assume   | Certificate.          |
| account number        | that no payments will |                       |
|                       | be made by            | **Item 17:** Enter    |
| assigned to the       |                       | any appropriate       |
| borrower's education  | the borrower from now | comments. If unable   |
| loan(s). If you       | until the anticipated |                       |
|                       | loan                  | to complete all or    |
|                       |                       | any portion of this   |
|                       | payoff date. Provide  | Certificate, please   |
|                       | the payoff for each   | explain here.         |
|                       | loan, which           |                       |
|                       |                       | **Item 18:** Provide  |
|                       |                       | signature along with  |
|                       |                       | required              |
|                       |                       |                       |
|                       |                       | information of        |
|                       |                       | authorized official.  |
+-----------------------+-----------------------+-----------------------+
| ***Complete and       |                       |                       |
| return this           |                       |                       |
| Certificate to the    |                       |                       |
| consolidating lender  |                       |                       |
| within 10 business    |                       |                       |
| days of receipt.***   |                       |                       |
+-----------------------+-----------------------+-----------------------+
| **Loan Codes (for     | **PERK** Federal      | **SCON** Subsidized   |
| Item 6)**             | Perkins Loans,        | Federal Consolidation |
|                       | formerly National     | Loans                 |
| **SS** Subsidized     | Defense/National      |                       |
| Federal Stafford      | Direct Student Loans  | **DSCON** Direct      |
| Loans, formerly       | (NDSL)                | Subsidized            |
| Guaranteed Student    |                       | Consolidation Loans   |
| Loans (GSL)           | **HPSL** Health       |                       |
|                       | Professions Student   | **UCON** Unsubsidized |
| **DSS** Direct        | Loans, including      | Federal Consolidation |
| Subsidized            | Loans for             | Loans                 |
| Stafford/Ford Loans   | Disadvantaged         |                       |
|                       | Students              | **DUCON** Direct      |
| **US** Unsubsidized   |                       | Unsubsidized          |
| and Nonsubsidized     | **HEAL** Health       | Consolidation Loans,  |
| Federal               | Education Assistance  |                       |
|                       | Loans                 | including Direct PLUS |
| > Stafford Loans      |                       | Consolidation Loans   |
|                       | **FISL** Federal      |                       |
| **DUS** Direct        | Insured Student Loans | **NSL** Federal       |
| Unsubsidized          |                       | Nursing Loans         |
| Stafford/Ford Loans   | **PLUS** Federal PLUS |                       |
|                       | Loans                 |                       |
| **SLS** Federal       |                       |                       |
| Supplemental Loans    | **DPLUS** Direct PLUS |                       |
| for Students,         | Loans                 |                       |
| formerly Auxiliary    |                       |                       |
| Loans to Assist       |                       |                       |
| Students (ALAS) and   |                       |                       |
| Student PLUS Loans    |                       |                       |
+-----------------------+-----------------------+-----------------------+
| ###                   | **Abbrev. Name**      | **Abbrev. Name**      |
|                       |                       |                       |
| #                     | **ICSAC** Iowa        | **NELA** Northwest    |
| ## Guarantor or Progr | College Student Aid   | Education Loan        |
| am Codes (for Item 7) | Commission            | Association           |
|                       |                       |                       |
| ### Abbrev. Name      | formerly ICAC         | **OSRHE** Oklahoma    |
|                       |                       | State Regents for     |
| **AES/PHEAA**         | **KHEAA** Kentucky    | Higher Ed.            |
| American Education    | Higher Ed. Assist.    |                       |
| Services (PHEAA)      | Authority             | **OSAC** Oregon       |
|                       |                       | Student Assistance    |
| **ASA** American      | **LOSFA** Louisiana   | Commission            |
| Student Assistance    | Office of Student     |                       |
| formerly MHEAC        | Financial Assistance  | **RIHEAA** Rhode      |
|                       | formerly LGSCES       | Island Higher Ed.     |
| **CSAC** California   |                       | Assist. Authority     |
| Student Aid           | **MHEAA** Michigan    |                       |
| Commission            | Higher Ed. Assistance | **SCSLC** South       |
|                       | Authority             | Carolina Student Loan |
| **CSLP** Colorado     |                       | Corporation formerly  |
| Student Loan Program  | **MSLP** Missouri     | SCSEAA                |
|                       | Student Loan Prog.    |                       |
| **CSLF** Connecticut  | formerly MCBHE        | **SLFI** Student Loan |
| Student Loan          |                       | Fund of Idaho, Inc.   |
| Foundation            | **MGSLP** Montana     |                       |
|                       | Guaranteed Student    | **SLGFA** Student     |
| **EAC** Education     | Loan Prog.            | Loan Guarantee        |
| Assistance Corp.      |                       | Foundation of         |
| (South Dakota)        | **NSLP** National     | Arkansas              |
|                       | Student Loan Program, |                       |
| **ECMC** Education    | formerly Nebraska     | **SLND** Student      |
| Credit Mgmt. Corp.    | Student Loan Program, | Loans of North Dakota |
| formerly TGA          | Inc.                  | formerly NDGSLP       |
|                       |                       |                       |
| **FDLP** Federal      | **NHHEAF** New        | **TSAC** Tennessee    |
| Direct Loan Program   | Hampshire Higher      | Student Assistance    |
|                       | Education Assistance  | Corporation           |
| **FAME** Finance      |                       |                       |
| Authority of Maine    | Foundation            | **TGSLC** Texas       |
| formerly MDECS        |                       | Guaranteed Student    |
|                       | **NJOSA** New Jersey  | Loan Corp.            |
| **FOSFA** Florida     | Office of Student     |                       |
| Office of Student     | Assistance formerly   | **USAF** United       |
| Financial Assistance  | NJHEAA                | Student Aid Funds,    |
|                       |                       | Inc.                  |
| > formerly FSFAC      | **NMSLGC** New Mexico |                       |
|                       | Student Loan          | **USED** U.S.         |
| **GHEAC** Georgia     | Guarantee Corporation | Department of         |
| Higher Education      |                       | Education Federal     |
| Assistance Corp.      | **NYSHESC** New York  | Insured Student Loan  |
|                       | State Higher Ed.      | Program (FISL) and    |
| **GLHEC** Great Lakes | Services Corp.        | subrogated FFELP      |
| Higher Education      |                       | loans                 |
| Corporation           | **NCSEAA** North      |                       |
|                       | Carolina State Ed.    | **UHEAA** Utah Higher |
| **HHS** U.S. Dept. of | Assist. Authority     | Ed. Assistance        |
| Health & Human        |                       | Authority             |
| Services              |                       |                       |
|                       |                       | **VSAC** Vermont      |
| > Federal Nursing     |                       | Student Assistance    |
| > Loans (NSL)         |                       | Corporation           |
| >                     |                       |                       |
| > Health Education    |                       |                       |
| > Assistance Loans    |                       |                       |
| > (HEAL)              |                       |                       |
| >                     |                       |                       |
| > Health Professions  |                       |                       |
| > Student Loans       |                       |                       |
| > (HPSL)              |                       |                       |
|                       |                       |                       |
| **ISAC** Illinois     |                       |                       |
| Student Assistance    |                       |                       |
| Commission            |                       |                       |
|                       |                       |                       |
| formerly ISSC         |                       |                       |
+-----------------------+-----------------------+-----------------------+
| **Borrower Status     | **BA** Bankruptcy     | **DN** Default Claim  |
| Codes (for Item 10)** | (Claim Not Filed, to  | Paid - Satisfactory   |
|                       | be Filed, or Paid)    | Repayment             |
| **IS** In School      |                       | Arrangements          |
|                       | **DQ** 270 Days +     | ***Not*** Made        |
| **GR** Grace          | Delinquent, Claim Not |                       |
|                       | Paid                  | **DI** Currently      |
| **RP** Repayment      |                       | Subject to Judgment   |
|                       | **DS** Default Claim  | or Wage Garnishment   |
| **DE** Deferment      | Paid - Satisfactory   | Order                 |
|                       | Repayment             |                       |
| **FB** Forbearance    | Arrangements Made     | **OT** Other (Explain |
|                       |                       | in Item 17)           |
+-----------------------+-----------------------+-----------------------+