# Presentation: 947847

## Session #62

**NSLDS for Financial Partners**
- Valerie Sherrer
- Pam Eliadis

## Agenda	

- NSLDS Access
- Security Enhancements
- What’s new
- What’s coming
- Customer Service Reminders
- Reengineering

## NSLDS Access

**Gen 05-06 - Access To and Use of NSLDS Information**
- NSLDS Users must:
- Use their access properly
- Protect the sensitive data
- Not share User IDs and Passwords

**Notes:**
From Gen05-06 – warning that leads into next slide.
This letter reminds members of the financial aid community who have access to information contained in NSLDS that they are responsible for using their access properly and for protecting the sensitive data contained in the system.
Failure to comply with NSLDS access and use requirements, as described in this letter, may result in the organization or individual user losing access to NSLDS and/or being subject to sanctions, including, but not limited to, the initiation of a limitation, suspension, or termination action or a debarment proceeding against the postsecondary institution or FFEL participant. 

## Access Suspension Timeline

- April 17, 2007
- NSLDS Access allowed only for
- Current school users
- ED users
- Students and Borrowers

**Notes:**
 The temporary suspension of access permitted the department to examine the specific usage of NSLDS by suspended parties. 
That the temporary suspension did not hinder batch processing
Why the Shut down 
-Excessive use by lenders raised concern about the drain on the system and legitimate need for the data
-Complaints by students/parents about aggressive marketing
-Concerns for congress regarding miss use of privacy data.

That FFEL Program participates and institutions may never request the student/borrower release of their Student Aid PIN

## Access Suspension	

- Why the shut down
- Excessive use by lenders raised concerns:
- drain on the system resources
- legitimate relationship existing?
- -Complaints by students/parents about aggressive marketing
- -Concerns for congress regarding misuse of privacy data

## Access Suspension Timeline

- April 27, 2007
- SAIG removed on-line registration for NSLDS web access
- April 30, 2007
- “CAPTCHA” implemented at log on
- All 3 identifiers required to look up student/borrowers:
- Social security number
- First name
- Date of birth

**Notes:**
NSLDS required:
Certification by CEO, 
Spreadsheet of all users requesting reinstatement and what they were using NSLDS for,
And paper SAIG applications for all new users. 

## Access Suspension Timeline

- May 2, 2007
- GAs notified of steps to restore access
- Reminded to only access borrowers:
- With whom they have an established relationship
- That have “explicitly authorized” access

**Notes:**
“Explicitly authorized” means that the borrower has specifically authorized the agency to access NSLDS information.  It does not include a borrower’s general permission for the agency to access loan information. 

## Access Suspension Timeline

- May 14, 2007-
- FSA announced help for ISIR comment code #138
- Lenders (except ELT relationships) and Lender Servicers notified of steps to restore access
- Emphasized user
***must have a ***
***relationship with ***
***the borrower***

**Notes:**
FSA announces the NSLDS Customer Servicer can assist schools with identifier conflicts - ISIR 138 - because this research would be difficult for the school since SSN only look ups were no longer an option for authorized users.
Reinstatement process required same documentation as GAs. Letter stated “Accessing information on a borrower with whom the organization does not already have an established relationship is prohibited.  ... for purposes of determining a borrower’s eligibility for a consolidation loan, a relationship between the lender and the borrower does not exist until the lender has received a completed and signed FFEL Consolidation Loan application. 
Remind Schools they should not provide data to lenders

## Access Suspension Timeline

- June 1
- – Released User ID letters that had been held since April 17 for new school users
- June 12
- NSLDS Update #4
- A completed and signed consolidation loan application required for access of new borrower

**Notes:**
6/1 Letters released for Applications that were in process prior to the 4/16 suspension
6/12 Update #4 “However, under our revised access rules, a lender, that does not hold the borrower’s loan, may only access a borrower’s NSLDS record after it has received a completed and signed consolidation loan application from the borrower.” 
6/29 Link restored on fsawebenroll.ed.gov
Limited to current schools, state scholarship agencies, and approved lenders, lender servicers, and guaranty agencies 
Only the Primary Destination Point Administrator can select this icon to enroll another user for access to the NSLDS On line service for their organization. The PDPA must have online services themselves to be able to enroll others for that service.
The completion of this application does not guarantee access; the user will be notified of their ID if approved by NSLDS. 

Click the “Add Another NSLDS Online User” link from the SAIG Enrollment home page to begin enrollment. 

## Access Suspension Timeline

- June 26
- Began to restore access for State Agencies
- June 29
- SAIG Web site restored NSLDS online enrollment link

## NSLDS Access Do’s

- Recommend students contact FSAIC at 	1-800-4FEDAID
- Recommend students access the NSLDS student site using their PIN
- Report suspected abuse

## NSLDS Access Don’ts 

- Don’t provide your User ID and Password to ANYONE
- Don’t ask students to share their PIN
- Don’t make 3rd party calls with student to get data from FSAIC or NSLDS

**Notes:**
Some lenders asked schools to let them use their ID and PW
Point that schools should not provide data to lenders
Advise them to let students know they shouldn’t either!

## Reinstatement Process

- GAs/Lenders/Lender Servicers requesting reinstatement:
- Provided Spreadsheet to NSLDS
- Current User IDs and job functions
- New User requests and job functions
- Completed paper Applications for new Users until June 29
- Obtain appropriate signatures
- Forward to SAIG
- Required NSLDS Personnel Approval

**Notes:**
Paper still required when signing up a new primary DPA.

## Reinstatement Process

**When there are Multiple Lender Ids:**
- Organizations must have a PDPA for each LID
- Must be signed with a user ID that has a relationship with that borrower
- If organization has a third party service code (7xxxxxx) access NSLDS with that servicer code

**Notes:**

Often Organizations have changed names and structures (mergers and buy outs) but users were using NSLDS under an organizations that no longer exist

## Resulting Security Measures

- CAPTCHA for everyone
- Three identifiers to retrieve data
- Change in sign up process through SAIG enrollment

## CAPTCHA

- Completely Automated Public Turing Test to Tell Computers and Humans Apart (CAPTCHA) tool

## Requirement of all three identifiers

- All three identifiers for a student or borrower must be entered

- No Access without all 3

## SAIG Enrollment Changes

- Only ONE Primary DPA per organization
- Primary and Secondary DPA allowed to enroll new users
- Primary responsible for monitoring access and completing annual report
- Signature Page

**Notes:**
SAIG is currently working to ensure only one person is designated as the Primary DPA.
Primary Destination Point Administrator (DPA). An individual of the organization who has been appointed by the organization as the responsible party for the enrollment and deletion of all users in the organization.  The Primary destination point administrator is responsible for the data users access both on line and download to ensure the data is protected according the privacy act as well as ensuring users are not inappropriately accessing records not associated with their organization. 
Currently all persons with a TG number are considered to be a DPA through SAIG
There must be only one Primary DPA per organization
The Primary DPA is responsible for enrolling, monitoring, deleting users at their organization

## SAIG Enrollment Changes

- SAIG application will include GA and Lender/Lender Servicer functions
- Any time a user changes responsibility (reason for accessing NSLDS), the Primary DPA must update SAIG
- Reports will assist the PDPA

**Notes:**
SAIG has a report – may become an annual requirement to review, complete and return
NSLDS has a report to assist PDPA with who is accessing NSLDS from their organizations

## SAIG Enrollment Changes

- GAs must indicate function
**GA or GA Servicer**
- Uses NSLDS for Title IV functions only
- Eligibility for Aid
- Billing and Collection
- Enforcing Loan Terms
- Enrollment
- Accuracy of Record
- Default Aversion
- Default Rates
- Record Updates
- Teacher Loan Forgiveness and Loan Discharge
- Compliance
-     Other ____________________________

**Notes:**
Application will require function check off.

## SAIG Enrollment Changes

**Lenders/Lender Servicers must indicate function**
**Lender and Lender/Servicer**
-    Uses NSLDS for Title IV functions only
-    Consolidating Lender
-    Authorized Activity Loan Holder
-    Enrollment
-    Accuracy
-    Deferments
-    Default Rate
-    Other _____________________

**Notes:**
Application will require function check off

## What’s New

**Email address change –**
- _[nslds@ed.gov](mailto:nslds@ed.gov)_

**Notes:**
Web site has been change to new address.

## What’s New

**Enrollment management**
-  Withdrawals reported for Schools that Close, Merge, or become Ineligible

**Notes:**
For a closed school, the update process will occur 30 days after the close date or the report date from PEPS, whichever is later.
For a merged school, the update process will occur 15 weeks after the merged date or the report date from PEPS, whichever is later. NSLDS will add the student to the new school roster. The new school may then begin reporting enrollment on those students. 
For an ineligible school’s main campus, the update process will occur 15 weeks after the Action Date or report date from PEPS, whichever is later. NSLDS repeats the actions taken on the main campus and applies that action to each school branch. 
For an ineligible foreign school, the Foreign School Team makes arrangements with the school. NSLDS will withdraw all students from an ineligible foreign school’s roster 24 months from the Action Date or report date from PEPS, whichever is later. 

## What’s New

**User Guide for Transfer Student Monitoring on the Web**
- Updated and available at _[www.ifap.ed.gov](http://www.ifap.ed.gov/)_

**Notes:**
Updated with new screens and new icons
Includes ACG and SMART Grants – this demonstrates the indicator of the new grant.
Includes Instructions on requesting the Transfer Student Monitoring Summary Report (Report ID SCH07B)

## What’s New

**Fraud Indicator****	**
- Eligibility
- Report Fraud on Aid Overpayment Web page

**Notes:**
Fraud- If the GA, Lender, or Office of Inspector General has successfully prosecuted person for of fraud in receiving federal student loans.  It is important that the GA report these loans as FR.
If the borrower committed Identity theft and the aid is under the victim GA must move the aid on NSLDS to the convicted person. FR is an open loan status, which makes the borrower ineligible until the loan is paid in full. 
Look forward to up coming clarifications on reporting the Crime of Identity theft to NSLDS
Fraud- If the GA, Lender, or Office of Inspector General has successfully prosecuted person for of fraud in receiving federal student loans.  It is important that the GA report these loans as FR.
If the borrower committed Identity theft and the aid is under the victim GA must move the aid on NSLDS to the convicted person. FR is an open loan status, which makes the borrower ineligible until the loan is paid in full. 
Look forward to up coming clarifications on reporting the Crime of Identity theft to NSLDS

## What’s New

**Teacher Loan Forgiveness and Loan Discharges **
- Now reported and displayed
- Informational icon alerts

## What’s New

**Technical Update GA-2007-04**
**TLF and Loan Discharge data submittal**
- Directly on line
- Upload via the web

## What’s New

**Loan Forgiveness Submittal Page**

**Notes:**
Middle box for uploading file
Bottom section for entering student identifiers

## What’s New

**Loan Discharge File Submittal Page**

## What’s New	

**Loan Discharge entry on loan detail page**

## What’s New

**Teacher Loan Forgiveness Viewed at Borrower Level**

**Click to see List**

**Notes:**
Loan History page will have a TLF section displayed if there is a TLF
Click on the TLF List to get the full details of what has been reported as forgiven
Click on the loan detail to see the full details of the discharge, including type and amounts.

## What’s New

**Loan Discharge viewed at loan level **
- Icon displays on the specific loan

**Click Loan Detail**

## What’s New

**Loan Discharge**
- Details show on Loan Detail page

## What’s New

**Discharge Code Types**

| Categories | Assigned Code Types | Description |
| --- | --- | --- |
| HC |  | Hurricanes and other natural disasters |
|  | HC01 | Designated for Hurricanes Rita and Katrina |
| UR | UR01 | Unpaid refund discharges |
| BR | BR01 | Borrower payment returns |
| SC | SC11 | 9–11 limited special circumstances |
| ID | ID01 | Identity theft |
| CB | CB01 | Co-borrower/partial discharges |

**Notes:**
This list was included as Appendix E of the Tech Update.

## What’s New

**New report for schools: School Loan List (SCHLL1)**

**Notes:**
Report created to help foreign schools with audit but NSLDS thought it might be useful for any school.
Detailed student and loan program information 
Can request a begin date and end date for specific loan program types
Report will select loans for a 1 year time period

## School Loan List (SCHLL1)

## What’s Coming

**Additional  On Line Update Person for TLF/Discharge**
**SAIG TG Numbers Changing**
-  Alpha numeric
**SAIG Signature Page**
-  User Statement changed
-  Keep for audit purposes

**Notes:**
Will still have TG but then start with letter, followed by 4 numbers.  TGA1234
Andrea says: Here is more information for the PM Enrollment changes. This is the final draft going out for comments. We anticipate the release will be December. Focus should be on the following:
General: -Page 4 Instructions were clarified and simplified -Page 12 #2 - org should be the org that signs paycheck of user -Step 3 - clarified and enhanced         - 3.2 on primary DPA -Attachment B - user statement reworked. org should obtain copy for audit purposes 

## What’s Coming

**NSLDS User Letters replaced with an email notification**
- To the Primary DPA (make sure SAIG has the PDPA email address)
- New user will call NSLDS Customer Service and must answer security questions to receive password

## What’s Coming

**Enrollment Reporting Late Letter will be replaced with email **
- Maintain contact information on ORG List

**Notes:**
Be sure you have AT LEAST a Primary Contact and an Enrollment Reporting contact email listed.

## What’s Coming

**Perkins Loan Reporting**
- Requires Perkins Loan data be submitted at an award year level
- Effective July 1, 2008
- Technical Update PK-2007-02

**Notes:**
Details in TU:  effected fields:
Amount of Loan (Field Code 261): Data providers should report the amount of loan that has been awarded to the student for the award year.  After July 1, 2008, loans will not load to NSLDS if they exceed $4,000 for undergraduate students and $6,000 for graduate students.
Amount of Disbursement (Field Code 267): Data providers should report amount disbursed to date not to exceed the amount of loan for the award year.  Amount of Loan is a companion field.  The Amount of Disbursement and the Amount of Loan are no longer required to be equal.
Student’s Academic Level (Field Code 270): The DPI now lists the acceptable academic level codes. Users will find that the field code description has changed and a new table, B-13, has been added. The Student Academic Level will be used as a companion field to determine the appropriate Amount of Loan data. 
Amount of Outstanding Principal Balance (Field Code 284): Edits on maximum academic year amounts will be applied to all loan data submitted after July 1, 2008. 

## What’s Coming

**College Cost Reduction **
**	****Access Act (H.R.2669)**
- Increased Pell Funding
- Teacher Education Assistance for College and Higher Education (TEACH) Grant
- Income-Based Repayment
- Public Service Loan Forgiveness

## NSLDS Reminders 

_**NEVER **_Share your NSLDS User ID and Password
- Protect the Privacy Act Data in NSLDS

**Notes:**
Sharing is a security violation and your access to NSLDS will be suspended.

## NSLDS Reminders

**Customer Service Calls **
**to 1 800-999-8219**
- Only addresses issues for schools and data providers
- Does not handle student calls
- Will not provide student data to persons who do not have a User ID

**Notes:**
Students who are referred to the NSLDS Customer Service Center will be delayed in receiving resolution to their issues because they then must be referred to the Federal Student Aid Information Center (FSAIC) at 1-800-4-Fed-Aid/ 1-800-433-3243.  Please refer students to FSAIC and not the NSLDS Customer Service Center. 

## NSLDS Reengineering

- FFEL Data Flows
- Project update
- Community involvement
- Future meetings

## Slide 46

## Contact Information

- We appreciate your feedback and comments. We can be reached at:
- Phone:Valerie Sherrer 202 377-3547
- Email:valerie.sherrer@ed.gov