# Presentation: 089029

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

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

- Pam Eliadis- FSA/NSLDS
- Ron Bennett- FSA/NSLDS

## NSLDS Data: Objectives

**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

**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

**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](http://www.nsldsfap.ed.gov/)_ (Web process)
- TSM User’s Guide (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

## 323-45-6789

**Scenario 3: 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

- Resolution: Review Student on NSLDS

## Misreported data from Data Providers

- Resolution: Review Student on NSLDS

## Misreported data from Data Providers

**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

**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 4: Mary Jones is attending school in the fall and consolidated her previous loans. 

- Scenario 4: 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

**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 vs. 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

**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
 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
 Loan Category:
   Other loan
 NSLDS Methodology / Algorithms
 Calc’d Subsidized
 Calc’d Unsubsidized
 Calc’d Unallocated
 Perkins Share factored out
 PLUS Share factored out (for the PLUS Borrower)
 Calc’d Combined
 Underlying Loans
 Loan Status date 210 days +/- of CL’s  Loan Date
 Loan Status Codes: PN, PC, DN, PF, DP
 ‘Adjusted Agg OPB’ displayed when
 Underlying Perkins loans factored out of Unallocated Amounts
 Underling PLUS loans factored out of Unallocated Amounts
 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

- 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

- +

- =

- +

**Calculated Combined Aggregate OPB**

## Rolling up 

- Rolling up
- Subsidized Loan types

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

**+**

**=**

- Then determine Aggregate Loan 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
- Reduces burden on FAAs

## 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

**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

**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**

## 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

**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

**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

**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**

## 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:

**Duplicate Perkins Loan**

## 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