# Presentation: 487156

## NSLDS Data: What does it mean and how do I use it?

**NSLDS Data: What does it mean and how do I use it?**

- Ron Bennett- FSA/NSLDS
- Jim Yoder- NSLDS

## NSLDS Data: Objectives

- Recognize when to use NSLDS tools to resolve various situations
- Apply understanding of NSLDS functionality and data to student eligibility decisions
- Approach research of questionable data

## 123-45-6789

**123-45-6789**

**Scenario 1: FAA’s review of student’s file shows an overpayment situation**

| Ollie's Aid Package/Worksheet
(Award Year 2005) |  |  |  |  |
| --- | --- | --- | --- | --- |
|    COA | $5,000 |  | $4,000 | NEED |
| -  EFC | $1,000 |  | $3,100 | PELL |
| = NEED | $4,000 |  | $   400 | SEOG |
|  |  |  | $   500 | Merit Scholarship |
| $400 Outside Scholarship 
(received Aug. 30) |  |  |  |  |

- Disbursed
-  Sept. 1

**OVERPAYMENT**

## Overpayment

- Issue: Overpayment, so what’s next?
- Effects of the Overpayment: Student not eligible for additional aid
- Resolution: Work with student to remedy  and report Overpayment to NSLDS

## Overpayment

- Reporting Overpayments to NSLDS

## Overpayment

- Reporting Overpayments to NSLDS

## Overpayment

- Reporting Overpayments to NSLDS

## Overpayment

- Resolution Results:
- Postscreened ISIR generated to alert other schools of Overpayment
- Comment Codes
- C flag
- Web displays Icon to highlight overpayment

## Overpayment

- Clearing Overpayments
- Web Warning Icon disappears
- Postscreened ISIR generated

## 555-44-0005

- Scenario 2: Sandra’s attending fall term at East Side Community College.
- Transferring to West Side University spring semester.
- What should the FAA at WSU do?

## Transfer Student Monitoring

**Issue: What do you do for mid-term transfer?**
- 3 steps: Inform, Monitor & Alert/Review
**Effects of Sandra’s transfer: WSU must inform NSLDS of transferring student**
- GEN-01-09
**Resolution: Report the Transfer Student to NSLDS**
- www.nsldsfap.ed.gov (Web process)
- Transfer Student Monitoring/Financial Aid History Processes and Batch File Layouts (Batch process)

## Transfer Student Monitoring

-  Resolution: Inform NSLDS

## Transfer Student Monitoring

-  Resolution: Inform NSLDS

## Transfer Student Monitoring

-  Resolution: NSLDS Monitoring

## Transfer Student Monitoring

-  Resolution: NSLDS- Alert email notification

## Transfer Student Monitoring

-  Resolution: NSLDS - Alerts

## Transfer Student Monitoring

- Results of Using TSM module:
- Ensures TSM compliance
- New school will receive information affecting eligibility

## Scenario 3: Mary Jones is attending school in the fall and consolidated her previous loans. 

- Scenario 3: Mary Jones is attending school in the fall and consolidated her previous loans.
- The FAA is not sure how the aggregate loan totals are impacting the student’s eligibility.
- What does the FAA do?

- 423-45-6789

## Aggregate data information

- Issue: Is student over their aggregate loan limits?
- Effects of consolidation loan reporting to NSLDS:
- Automatic distribution by loan types
- Decreases manual calculation/determination
- Resolution: Review NSLDS website to identify potential aggregate issues

## Aggregate data information

**Aggregate data information**

## Loan Category: Recent versus Other Loans

- Recent Loans
- Period End Date is less than 90 days old
- Loan status = IA, ID, IG, or IM
- Agg. OPB = Greater of the Outstanding Principal Balance or Disbursed Amount, not to exceed Net Loan Amount.
- If both Outstanding Principal Balance and Disbursed Amount equal zero, use zero

## Loan Category: Recent versus Other Loans

- Other Loans:
- The Agg OPB = lesser of the Net Loan Amount, Disbursed Amount, or Outstanding Principal Balance if all three are greater than zero

## Fill in the missing pieces

- Recent or Other loan? Agg. OPB Amount?

## FFEL Consolidation (CL) Loan type make-up

| Loan Types / Bucket: |
| --- |
| Consolidation- FFEL
(from Loan Summary) |
| CL – FFEL Consolidation Loan
 Loan Category:
   Other loan
 60 day rule (if no underlying loans then $ 0 Aggr. OPB calculated)
 If over 60 days old, and no identified underlying loans, then all is treated/Calc’d as Subsidized
 Underlying Loans
 Loan Status date 210 days +/- of CL’s  Loan Date
 Loan Status Codes: PN, PC, DN, DP, PF
 NSLDS Methodology / Algorithms
     Calc’d Subsidized
 +  Calc’d Unsubsidized
 =  Calc’d Combined
 Calc’d Unallocated  (ignore)
 Perkins Share factored out
 PLUS Share factored out (for the PLUS Borrower)
 If “Paid through Consolidation” status codes but no Consolidation loan in NSLDS, Paid through Consolidation loans will continue to calculate Agg. OPB for 60 days or until CL loan is reported to NSLDS
 ‘Agg OPB’ displays Calc’d Combined Agg. OPB
 Inherits underlying CL loan’s underlying loans |

**FFEL Consolidation (CL) Loan type make-up**

## FFEL Consolidation Loans (CL)Impacting the Agg OPB

- Identification of underlying loans
- How many FFEL CL loans
- Ratio of underlying loan’s disbursement amounts to CL’s Disbursement Amount(s)
- Ratio is applied to the current CL OPB amount(s)

## Definition

- Underlying Loan
- Loan Status Code = PN, DN, PC, DP or PF
- Loan Status Date within 210 days (before or after) of the Consolidation Loan Date

## Identifying the underlying loans

**Identifying the underlying loans**

## Begin the breakdown/ration process

**Total CL Disbursement Amount: $39,000**

**Perkins Loan Types**

**PLUS Loan Types**

**Perkins Disbursement Total:  $4,000**

**PLUS Disbursement Total:  $1,000**

- Add the Disbursement Amounts of the loan types

**FFEL Consolidation Loan Types**

**Begin the breakdown/ration process**

## Begin the breakdown/ration process

**Unsubsidized Loan Types**

**Total Sub Disbursement Amount:  $18,625**

**Total Unsub Disbursement Amount:  $13,000**

**Begin the breakdown/ration process**

- Add the Disbursement Amounts of the loan types

## Calculating the Subsidized Aggregate OPB

- 2nd: Divided that by the Amount Disbursed from the CLs (getting the ratio %)
- 3rd:  Multiplied that by the CL’s Aggregate OPB (Other Loan); if multiple CL’s apply ratio % to each
- Result is the Calculated Subsidized Aggregate OPB

**Total CL Disbursement Amount: $39,000**

**1****st****: Total Underlying Sub Disbursement Amount:  $18,625**

**2****nd****: 18,625 divided by 39,000 = .47756  (over all percentage what we can attribute to be Subsidized)**

**3****rd****:  .47756 x 17,000 = $8,119 Calc’d Sub Agg OPB**

** ****.47756 x 22,000 = $10,506 Calc’d Sub Agg OPB**

**Calculating the Subsidized Aggregate OPB**

## Do the same Calculation to Determine Proportion of each CL

- Calculated Unsubsidized Aggregate OPB
- Calculated Perkins share
- Calculated PLUS share

## Calculating what is left over: Unallocated

**Calculating what is left over: Unallocated**

## Calculating what is left over: Unallocated

- Left over amount =  Calculated FFEL Consolidation, Unallocated  Aggregate OPB

- CL Agg OPB : $22,000

- minus $564 PLUS Share of the CL’s  Agg OPB

- minus $2,256 Perkins Share of the CL’s  Agg OPB

- minus $10,506 Calc’d Sub Agg OPB

- minus $7,333 Calc’d Unsub Agg OPB

- $1,341 Calculated FFEL Consolidation, Unallocated Agg OPB

- 1st:  Start with the CL Agg OPB (Other Loan)

- 2nd: Take out Perkins Share

- 3rd: Take out PLUS Share

- 4th: Take out Calc’d Sub Agg OPB

- 5th: Take out Calc’d Unsub Agg OPB

**Calculating what is left over: Unallocated**

## Calculated Combined Aggregate OPB

- +

- =

**Loan Summary’s Agg OPB displayed:**
** ****Calc’d Combined Agg. OPB**

## Rolling up 

- Rolling up
- Subsidized Loan types

- +

- =

## Roll up other aggregate categories:
Unsubsidized Loan types
Unallocated Amounts 

- Roll up other aggregate categories:
- Unsubsidized Loan types
- Unallocated Amounts

**+**

**=**

## Aggregate data information

- Results of resolution:
- Understanding how NSLDS breaks down the consolidation amounts for FAAs
- FFEL- CL Consolidation
- Direct Loans
- D5- Unsubsidized Consolidation Loans
- D6- Subsidized Consolidation Loans
- Unallocated can be ignored
- Reduces burden on FAAs

## 323-45-6789

**Scenario 4: Mary Misreported is coming back to start her 2****nd**** year at East State Univ (ESU).  **
**After awarding fall aid, ESU receives a new postscreened ISIR (reason code 01)**** ****indicating a default.  **
**After review of NSLDS website, they don’t see the Default. **
**   ****What should ESU’s FAA do?**

## Misreported data from Data Providers

- Issue: ISIR says one thing, NSLDS says another
- Effects of misreported data:
- Could possibly affect student’s eligibility
- Could cause additional research
- Resolution: Review Student’s history on NSLDS

## Misreported data from Data Providers

**Misreported data from Data Providers**

- Resolution: Review Student on NSLDS

## Misreported data from Data Providers

- Resolution: Review Student on NSLDS

## Misreported data from Data Providers

- Results of reviewing Mary’s FAH on NSLDS:
- Most recent information displayed
- Used to verify data
- ISIR/FAA Access displaying results at a processed point in time
- Real time review of current information
- Student Eligibility- no change in award
- Data review justifies FAA system overrides

## Tidbits – Additional References

- GEN-96-13
- ISIR Guide
- NSLDS Financial Aid History
- Appendix B- Database Matches and Match flags: NSLDS Match
- Appendix C- Loan status and Eligibility charts

## Scenario 5: Ernie Enrollment withdraws from school early in the Spring semester.  

- Scenario 5: Ernie Enrollment withdraws from school early in the Spring semester.
- The school’s next roster isn’t scheduled until after spring graduation.
- What should the FAA do about Ernie’s early withdraw?

- 523-45-6789

## Enrollment Reporting

- Issue: FAA not sure what to do about the student’s early withdrawal
- Effects of the issue:
- Compliance with enrollment reporting
- Student’s responsibilities and grace period
- Resolution: Review NSLDS website for  enrollment reporting

## Enrollment Reporting

- Resolution: Update NSLDS enrollment data

## Enrollment Reporting

**Enrollment Reporting**

- Resolution: Update NSLDS enrollment data

## Enrollment Reporting

**Enrollment Reporting**

- Resolution: Update NSLDS enrollment data

## Enrollment Reporting

- Results of resolution:
- Facilitates timely conversion to repayment
- Timely notification of enrollment changes to Data Providers

## Tidbits

- Additional references:
- DCL: GEN-96-17
- This letter describes the implementation of the Student Status Confirmation Report function of the NSLDS
- IFAP.ED.GOV
- Under NSLDS References, NSLDS User Documentation
- NSLDS Enrollment Reporting Guide

## Scenario 6: Duey Decimal previously defaulted but has made satisfactory repayment arrangements.  

- Scenario 6: Duey Decimal previously defaulted but has made satisfactory repayment arrangements.
- He’s again attending school but the defaulted loan remains on NSLDS.
- What should the FAA do?

- 623-45-6789

## Data matters and NSLDS

- Issue: GA unsuccessful in reporting loan status update.
- Effects of the issue:
- Conflicting NSLDS information
- FAA not sure what to do when reviewing student’s file for award
- Resolution: FAA can accept student’s documentation and verify satisfactory arrangements with GA/Lender

## Data matters and NSLDS

- Results of resolution:
- Student not negatively impacted by GA’s reporting issues
- FAA able to proceed with award because documentation satisfies discrepancy (GEN-96-13)

## 111-22-3333

**Scenario 7: While reviewing Paula Perfect’s freshmen award file, you verify if Paula has any history on NSLDS.  **
**When you enter in Paula’s SSN, you get NSLDS information for Carla Conflict.  **
**What should the FAA do about the conflict?**

## SSN Conflict

## SSN Conflict

- Issue: SSN Conflict, so what’s next?
- Effects of the Conflict: Student’s loan eligibility cannot be determined
- Resolution: Report to and work with NSLDS to resolve the conflict

## SSN Conflict

- FAA obtains the Appropriate Documentation
- For SSN Conflicts:
- Social Security Card (or other SSA
-       documentation)
- 2.  Current Driver’s license/State ID (if it
-      contains a Social Security Number)
- 3.  Unexpired U.S. Military ID

## SSN Conflict

- NSLDS negotiates resolution with the appropriate data providers
- Data Provider makes identifier corrections
- Batch Process
- On-line Update (emergency cases)
- NSLDS emails you when resolved

## SSN Conflict

## Scenario 8: Derrick Duplicated left your college in 1992 and then Defaulted on his Perkins Loan. 

- Scenario 8: Derrick Duplicated left your college in 1992 and then Defaulted on his Perkins Loan.
- You subrogated the loan to FSA in 1999 and now the loan is duplicated on NSLDS:  one assigned to your college, the other to Debt Collection Services.

- 823-45-6789

## Duplicate Perkins Loan

## Duplicate Perkins Loan

- Issue: Duplicated Perkins loan
- Effects of the Conflict: Student’s indebtedness is not accurately reflected
- Resolution: Report the Duplicated Loan to NSLDS to facilitate data correction process

## Duplicate Perkins Loan

- NSLDS will ask you to provide (when NSLDS is the Data Provider of last resort):
- Authorization to allow NSLDS to make the correction
- All of the loan identifiers
- The exact reason why the school (or its Servicer) can not make the  update
- Work with DCS if additional action is necessary

## Duplicate Perkins Loan

- Result of resolution:

## Contact Information

- We appreciate your feedback and comments.  We can be reached at:

-  Phone:	800-999-8219
-  Fax:	785-838-2154
-  Web:	www.nsldsfap.ed.gov
-  Email:	nslds@pearson.com