# PUBLIC SUBMISSION **As of:** March 18, 2013 **Received:** February

21, 2013 **Status:** Pending_Post **Category:** Law firm **Tracking No.** 1jx - 83tc - sza9 **Comments Due:** April 01, 2013 **Submission Type:** Web **Docket:** ED - 2013 - ICCD - 0007 National Student L oan Data Sy stem (NSLDS) **Comment On:** ED - 2013 - IC CD - 0007 - 0001 Agency Information Collection Activities; Comment Request; National Student L oan Data Sy stem (NSLDS) **Document:** ED - 2013 - IC CD - 0007 - DRAFT - 0004 Comment on FR Doc # 2013 - 01763



## Submitter Information **Name:** Timothy

Davis **Addres s:**  San Diego, CA, **Email:** timothyleedavis@hotmail.com **Organization:** Timothy

L ee Davis, Esq. 

## General Comment I had GI Bill and $15,000 in GOVERNMENT backed (not bank - backed) student loans beginning 1976 - 1988. We should go back to the 1976 t ype regulations. I was able to borrow money, without interest until a y ear after I finished school and without interest for 3 y ears if I went into public service or the military . Iwent into the Navy as a JAGC officer in 1984 and by 1987 when the $15,000 became due, I was able to write a check and pay it off, go to work and PAY TAXES. I've repaid much more in taxes than Iwoul d have paid in interest. I get to pay taxes for a lifetime. Ishouldn't pay

interest to a banker for a lifetime - that is not helping the Treasury or econom y like direct income taxes benefit the entire US population directly without a bank middle man. When I graduated in 1988, the banks had taken over these loans and they were charging interest immediately upon paying the loan out to the student. Accordingl y, you had students, who had no money , trying to make monthly pay ments while in school. Students can't do that. Students can either study or work three jobs to pay off loans. We as a country need to understand the value of turning students into taxpay ers. That's where the real money for the U.S. Treasury lies. What y ou should do now, is pay the banks off f

or current students, eliminate theinterest on current outstanding bank - backed loans, and allow students to pay these loans off without interest at the same or a little higher monthly repay ments and let them become taxpay ers. What we have now is indentured servitude to a bunch of foul bankers. Let Elizabeth Warren see this and see what she thinks. Iknow what her reaction would be. Same as mine. She'd tell you that these creep y bankers have cheated a great system of education and taxpayer creation. It' s jus t like seizing a pension fund or other assets - these people (bankers) want to take every thing. We've let 'em.**Tracking No.** 1jx - 83tc - sza9

Dear Mr. Davis, The United States Department of Education, the Office of Federal Student Aid, and the National Stud ent L oan Data Sy stem (NSLDS) would like to thank y ou for the feedback y ou provided on the Agency

Information Collection Activities posting for NSLDS. Information Collection Activities are posted every three ye ars for each of our enterprise s ys tems, and public comments like yours ensure that we are continuousl y improving the way we do business. Your comment, in which you highlight your experience with borrowing money from the U.S. Government for college, and the importance of turning students into taxpaye rs, was thoughtful and inspiring. NSLDS primaril y deals with the data collection aspect of Federal Financial Aid, so no direct action within the sy stem can be taken based on yo ur comment, but know that it will be forwarded on to the Federal Student Aid C ustomer Experience Office. You should know y our comment was read, reviewed, and thoroughl y appreciated. Respectfully , The National Student Loan Data S ys tem

# PUBLIC SUBMISSION **As of:** March 18, 2013 **Received:** February

22, 2013 **Status:** Pending_Post **Category:** Student **Tracking No.** 1jx - 83to - q9fo **Comments Due:** April 01, 2013 **Submission Type:** Web **Docket:** ED - 2013 - ICCD - 0007 National Student L oan Data Sy stem (NSLDS) **Comment On:** ED - 2013 - IC CD - 0007 - 0001 Agency Information Collection Activities; Comment Request ; National Student L oan Data Sy stem (NSLDS) **Document:** ED - 2013 - IC CD - 0007 - DRAFT - 0005 Comment on FR Doc # 2013 - 01763



## Submitter Information **Name:** John Belt **Address:** Westerville, OH, **Email:** jgwbelt@gmail.com **Submitter's Representative:** Tiberry **Organization:** Self **Government Agency Type:** Lo cal



## General Comment There should be consideration for folks who have paid for 120 months on time. The balance of the loan would then be waived. I would not want to reward any one who did not show good faith in repaying thei r loan.**Tracking No.** 1jx - 83to - q9fo

Dear Mr. Belt, The United States Department of Education, the Office of Federal Student Aid, and the National Student L oan Data Sy stem (NSLDS) would like to thank y ou for the feedback y ou provided on the Agency

Information Collection Activities posting for NSLDS. Inform ation Collection Activities are posted every three ye ars for each of our enterprise s ys tems, and public comments like yours ensure that we are continuousl y improving the way we do business. Your comment, in which you note that there should be considerati on for borrowers who have made 120 consecutive payments on their student loans, was read, reviewed, and thoroughly appreciated. Standard Repay ment Plans ty

pically cover a span of 10 ye ars, and if all pay ments are made, the loan is considered to be paid i n full. The Department of Education also provides Income Based Repay ment Plans where the borrower makes pay

ments on their loans based on income level (and a variet y of other factors) for a set amount of time. If the full amount of the loan is not paid w ithin the given time period, the remaining balance of the loan is forgiven under this ty pe of plan. You can learn more about In come Based Repay

ment here . NSLDS primaril y de als with the data aspect of Federal Financial Aid, so no direct action within the sy stem can be taken based on your comment, but know that it will be forwarded on to the Federal Student Aid Customer Experience Office for further review, anal ys is, and possi ble action. Respectfully , The National Student Loan Data S ys tem

# PUBLIC SUBMISSION **As of:** March 18, 2013 **Received:** February

22, 2013 **Status:** Pending_Post **Category:** Parent/Relative **Tracking No.** 1jx - 83tr - xev9 **Comments Due:** April 01, 2013 **Submission Type:** W eb **Docket:** ED - 2013 - ICCD - 0007 National Student L oan Data Sy stem (NSLDS) **Comment On:** ED - 2013 - IC CD - 0007 - 0001 Agency Information Collection Activities; Comment Request; National Student L oan Data Sy stem (NSLDS) **Document:** ED - 2013 - IC CD - 0007 - DRAFT - 0006 Comment on FR Doc # 2013 - 01763



## Submitter Information **Name:** Linda MacNaughton **Address:** Delaware, OH, **Email:** lmacnaughton@columbus.rr.com



## General Comment If you really want students to be able to pay off their loans and still be able to move out of their parent' s houses, how about y ou forget about the interest and just allow them to pay off what they borrowed. After dutifull y paying on her loans for 2 y ears, m y daughter still owes more than she borrowed. In a country where we now have mortgage interest rates of onl y 2.6 %, it's a shame to burden these successful young adults with so much debt.....especiall y since the government is telling every one that "everyone should and can go to college." The wealthy can pay for it. The poor get free access. The middle class gets to pay for it for way

too long.**Tracking No.** 1jx - 83tr - xev9

Dear Ms. MacNaughton, The United States Department of Education, the Office of Federal Student Aid, and the National Student L oan Data Sy stem (NSLDS) would like to thank y ou for the feedba ck you provided on the Agency

Information Collection Activities posting for NSLDS. Information Collection Activities are posted every three ye ars for each of our enterprise s ys tems, and public comments like yours ensure that we are continuousl y improving the way we do business. Your comment, in which you discuss the difference in interest rates between student loans and mortgages was read, reviewed, and thoroughly appreciated. NSLDS primaril y deals with the data collection aspect of Federal Financial Aid , so no direct action within the sy stem can be taken based on yo ur comment, but know that it will be forwarded on to the Federal Student Aid Customer Experience Office for further review, and anal ys is. Respectfully , The National Student Loan Data S ys tem

# PUBLIC SUBMISSION **As of:** March 18, 2013 **Received:** February

22, 2013 **Status:** Pending_Post **Category:** Parent/Relative **Tracking No.** 1jx - 83tr - 46fu **Comments Due:** April 01, 2013 **Submission Type:** Web **Docket:** ED - 2013 - ICCD - 0007 National Student L oan Data Sy stem (NS LDS) **Comment On:** ED - 2013 - IC CD - 0007 - 0001 Agency Information Collection Activities; Comment Request; National Student L oan Data Sy stem (NSLDS) **Document:** ED - 2013 - IC CD - 0007 - DRAFT - 0007 Comment on FR Doc # 2013 - 01763



## Submitter Information **Name:** Linda MacNaughton **Address:** Delaware, OH, **Email:** lmacnaughton@columbus.rr.com



## General Comment Did y ou know that in the United Kingdom the interest rate for student loans is about .1%? Iwork with many

y oung people who are having difficult y paying their loans and paying rent, utilities and buying groceries. I believe that more people would actuall y pay off their loans and not default or ask to defer if they could pay

on what they

borrow, rather than pay

on the interest. PL EASE let these young adults PAY OFF THEIR LOANS ONLY......NO INTEREST!!!!! I will bet y ou would get more loans repaid on time. T he money

they save would actually

help our country

by being put towards purchasing goods, homes, or investing in companies......Think about it!**Tracking No.** 1jx - 83tr - 46fu

Dear Ms. MacNaughton, The United States Department of Education, the Office of Fed eral Student Aid, and the National Student L oan Data Sy stem (NSLDS) would like to thank y ou for the feedback y ou provided on the Agency

Information Collection Activities posting for NSLDS. Information Collection Activities are posted every three ye ars for each of our enterprise s ys tems, and public comments like yours ensure that we are continuousl y improving the way we do business. Your comment, in which you suggest that student loan interest should be eliminated, was read, reviewed, and thoroughly appre ciated. The Department of Education offers Income Based Repayment Plans where borrowers make pay ments for a set period of time based on their income level. If the full amount of the loan is not paid within the given time period, the remaining balance of the loan is forgiven. You can learn more about Income Based Repay ment here . We encourage y ou to pass along this information to borrowers who may be struggling to make loan pay ments. NSLDS primaril y deals with the data collection aspect of Federal Financial Aid, so no direct action within the sy stem can be taken based on yo ur comment, but know that it will be forwarded on to the Federal Student Aid Customer Experience Office for further review, and anal ys is. Respectfully , The National Student Loan Data S ys tem

# PUBLIC SUBMISSION **As of:** March 18, 2013 **Received:** February

22, 2013 **Status:** Pending_Post **Category:** Individual **Tracking No.** 1jx - 83tu - hc6v **Comments Due:** April 01, 2013 **Submission Type:** Web **Docket:** ED - 2013 - ICCD - 0007 National Student L oan Data Sy stem (NSLDS) **Comment On:** ED - 2013 - IC CD - 0007 - 0001 Agency Information Collection Activities; Comment Request; National Student L oan Data Sy stem (NSLDS) **Document:** ED - 2013 - IC CD - 0007 - DRAFT - 0008 Comment on FR Doc # 2013 - 01763



## Submitter Information **Name:** Jan Eitel **Address:** Circleville, OH, **Email:** beitel@columbus.rr.com 

## General Comment I am tired of paying every one else's debt. If these people are in college they know if they

sign of the line they

are making a commitment to pay back what they

owe. Itmay

take a little longer to get a new house, a new car, more credit cards and more thing s, but they owe their debt first. I paid my loan, never imagining someone would bail me out. Enough is enough, no matter what kind of loan - ex. mortgage, car, credit card, student - start making these people responsible and our nation and our econom y will ben efit. How do y ou think we got in the mess we are in - we don't make people take RESPONSIBILITY!!! It is time to get things on the right track - set an example and keep setting examples. Jan Eitel**Tracking No.** 1jx - 83tu - hc6v

Dear Ms. Eitel, The United States Department of Education, the Office of Federal Student Aid, and the National Student L oan Data Sy stem (NSLDS) would like to thank y ou for the feedback y ou provided on the Agency

Information Collection Activities posting for NSLDS. Inform ation Collection Activities are posted every three ye ars for each of our enterprise s ys tems, and public comments like yours ensure that we are continuousl y improving the way we do business. Your comment, in which you discuss the need for students to take responsibility for repaying their loans, was read, reviewed, and thoroughl y appreciated. NSLDS primaril y deals with the data collection aspect of Federal Financial Aid, so no direct action within the sy stem can be taken based on yo ur comment, but know that it will be forwarded on to the Federal Student Aid Customer Experience Office for further review and anal ys is. Respectfully , The National Student Loan Data S ys tem

# PUBLIC SUBMISSION **As of:** March 18, 2013 **Received:** February

22, 2013 **Status:** Pending_Post **Category:** Governor's Office **Tracking No.** 1jx - 83u1 - 8qap **Comments Due:** April 01, 2013 **Submission Type:** Web **Docket:** ED - 2013 - ICCD - 0007 National Student L oan Data Sy stem (NSLDS) **Comment On:** ED - 2013 - IC CD - 0007 - 0001 Agency Information Collection Activities; Comment Request; National Student L oan Data Sy stem (NSLDS) **Document:** ED - 2013 - IC CD - 0007 - DRAFT - 0009 Comment on FR Doc # 2013 - 01763



## Submitter Information **Name:** Natalie Clark **Address:** Columbus, Ohio, **Email:** bumbaloughclark2005@y ahoo.com



## General Comment I am repaying about 24K in student loans from graduate school from graduate school and post graduate school. I do not anticipate being able to pay them back at the rate they are requesting. I have sought and been granted income - based repaym ents and forbearance when I was laid off from work in 2011. I am currentl y slated to being paying around $340/month in repay ments. I am a professional counselor in private practice and will be seeking ye t another piece of relief in the form of yet another reduction of repay ment based on income. It has become easier in recent ye ars to communicate with Sallie Mae and ACS re: my loans. Having financed undergrad studies at Ohio State and been through repay ment of those loans in the 1990s/earl y 2000s, the proces s of consolidation was very

confusing and it was hard to know when one company "bought" m y loans, what that meant exactly . Keeping it all straight is very confusing to a person here with a master's degree and an honest desire to pay back a debt I appreciat e. I do not evade pay ment or move without forwarding address info to student loan companies, so I think I am a good representative of the cohort in society in our country

who struggles to do the right thing here.**Tracking No.** 1jx - 83u1 - 8qap

Dear Ms. Clar

k, The United States Department of Education, the Office of Federal Student Aid, and the National Student L oan Data Sy stem (NSLDS) would like to thank y ou for the feedback y ou provided on the Agency

Information Collection Activities posting for NSLDS. Inf ormation Collection Activities are posted every three ye ars for each of our enterprise s ys tems, and public comments like yours ensure that we are continuousl y improving the way we do business. Your comment, in which you discuss y our dedicated and continu ous effort to repay y our loans, was thoroughly

appreciated. We are glad to hear that your experience in communicating with the Federal Loan Servicers has become easier over the years. We are continuously improving our processes and working toward a strai ght - forward, hassle - free experience for all borrowers. NSLDS primaril y deals with the data collection aspect of Federal Financial Aid, so no direct action within the sy stem can be taken based on yo ur comment, but know that it will be forwarded on to the Fe deral Student Aid Customer Experience Office for further review and anal ys is. Respectfully , The National Student Loan Data S ys tem