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 Loan Data System (NSLDS)

Comment On: ED-2013-ICCD-0007-0001

Agency Information Collection Activities; Comment Request; National Student Loan Data 

System (NSLDS)

Document: ED-2013-ICCD-0007-DRAFT-0004

Comment on FR Doc # 2013-01763

Submitter Information

Name: Timothy Davis

Address: 

San Diego, CA, 

Email: timothyleedavis@hotmail.com

Organization: Timothy Lee 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 type regulations. I was able to borrow money, 

without interest until a year after I finished school and without interest for 3 years if I went into 

public service or the military. I went 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 I would have paid in interest. I get to pay taxes for a 

lifetime. I shouldn't pay interest to a banker for a lifetime - that is not helping the Treasury or 

economy 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. Accordingly, you had 

students, who had no money, trying to make monthly payments 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 taxpayers. That's where the real money for the U.S. 

Treasury lies. What you should do now, is pay the banks off for current students, eliminate the 
interest on current outstanding bank-backed loans, and allow students to pay these loans off 

without interest at the same or a little higher monthly repayments and let them become taxpayers. 

What we have now is indentured servitude to a bunch of foul bankers. Let Elizabeth Warren see 

this and see what she thinks. I know what her reaction would be. Same as mine. She'd tell you 

that these creepy bankers have cheated a great system of education and taxpayer creation. It's just 

like seizing a pension fund or other assets - these people (bankers) want to take everything. 

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 

Student Loan Data System (NSLDS) would like to thank you for the feedback you provided on 

the Agency Information Collection Activities posting for NSLDS. Information Collection 

Activities are posted every three years for each of our enterprise systems, and public comments 

like yours ensure that we are continuously 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 taxpayers, was thoughtful 

and inspiring. 

NSLDS primarily deals with the data collection aspect of Federal Financial Aid, so no direct 

action within the system can be taken based on your comment, but know that it will be forwarded 

on to the Federal Student Aid Customer Experience Office.

You should know your comment was read, reviewed, and thoroughly appreciated.

Respectfully,

The National Student Loan Data System
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 Loan Data System (NSLDS)

Comment On: ED-2013-ICCD-0007-0001

Agency Information Collection Activities; Comment Request; National Student Loan Data 

System (NSLDS)

Document: ED-2013-ICCD-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: Local

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 anyone who did not show good faith in repaying their 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 Loan Data System (NSLDS) would like to thank you for the feedback you provided on 

the Agency Information Collection Activities posting for NSLDS. Information Collection 

Activities are posted every three years for each of our enterprise systems, and public comments 

like yours ensure that we are continuously improving the way we do business. 

Your comment, in which you note that there should be consideration for borrowers who have 

made 120 consecutive payments on their student loans, was read, reviewed, and thoroughly

appreciated. Standard Repayment Plans typically cover a span of 10 years, and if all payments 

are made, the loan is considered to be paid in full. 

The Department of Education also provides Income Based Repayment Plans where the borrower 

makes payments on their loans based on income level (and a variety of other factors) for a set 

amount of time. If the full amount of the loan is not paid within the given time period, the 

remaining balance of the loan is forgiven under this type of plan. You can learn more about 

Income Based Repayment here.

NSLDS primarily deals with the data aspect of Federal Financial Aid, so no direct action within 

the system 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, analysis, and possible 

action.

Respectfully,

The National Student Loan Data System
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: Web

Docket: ED-2013-ICCD-0007

National Student Loan Data System (NSLDS)

Comment On: ED-2013-ICCD-0007-0001

Agency Information Collection Activities; Comment Request; National Student Loan Data 

System (NSLDS)

Document: ED-2013-ICCD-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 you forget about the interest and just allow them to pay off what they

borrowed. After dutifully paying on her loans for 2 years, my daughter still owes more than she 

borrowed. In a country where we now have mortgage interest rates of only 2.6 %, it's a shame to 

burden these successful young adults with so much debt.....especially since the government is 

telling everyone 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 Loan Data System (NSLDS) would like to thank you for the feedback you provided on 

the Agency Information Collection Activities posting for NSLDS. Information Collection 

Activities are posted every three years for each of our enterprise systems, and public comments 

like yours ensure that we are continuously 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 primarily deals with the data collection aspect of Federal Financial Aid, so no direct 

action within the system 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, and analysis.

Respectfully,

The National Student Loan Data System
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 Loan Data System (NSLDS)

Comment On: ED-2013-ICCD-0007-0001

Agency Information Collection Activities; Comment Request; National Student Loan Data 

System (NSLDS)

Document: ED-2013-ICCD-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 you know that in the United Kingdom the interest rate for student loans is about .1%? I work 

with many young people who are having difficulty paying their loans and paying rent, utilities 

and buying groceries. I believe that more people would actually 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. 

PLEASE let these young adults PAY OFF THEIR LOANS ONLY......NO INTEREST!!!!! 

I will bet you would get more loans repaid on time.

The 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 Federal Student Aid, and the National 

Student Loan Data System (NSLDS) would like to thank you for the feedback you provided on 

the Agency Information Collection Activities posting for NSLDS. Information Collection 

Activities are posted every three years for each of our enterprise systems, and public comments 

like yours ensure that we are continuously improving the way we do business. 

Your comment, in which you suggest that student loan interest should be eliminated, was read, 

reviewed, and thoroughly appreciated.

The Department of Education offers Income Based Repayment Plans where borrowers make 

payments 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 Repayment here. We encourage you to pass along this 

information to borrowers who may be struggling to make loan payments.

NSLDS primarily deals with the data collection aspect of Federal Financial Aid, so no direct 

action within the system 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, and analysis.

Respectfully,

The National Student Loan Data System
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 Loan Data System (NSLDS)

Comment On: ED-2013-ICCD-0007-0001

Agency Information Collection Activities; Comment Request; National Student Loan Data 

System (NSLDS)

Document: ED-2013-ICCD-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 everyone 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. It may take a little longer to 

get a new house, a new car, more credit cards and more things, 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 economy will benefit. 

How do you 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 Loan Data System (NSLDS) would like to thank you for the feedback you provided on 

the Agency Information Collection Activities posting for NSLDS. Information Collection 

Activities are posted every three years for each of our enterprise systems, and public comments 

like yours ensure that we are continuously 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 thoroughly appreciated. 

NSLDS primarily deals with the data collection aspect of Federal Financial Aid, so no direct 

action within the system 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 and analysis.

Respectfully,

The National Student Loan Data System
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 Loan Data System (NSLDS)

Comment On: ED-2013-ICCD-0007-0001

Agency Information Collection Activities; Comment Request; National Student Loan Data 

System (NSLDS)

Document: ED-2013-ICCD-0007-DRAFT-0009

Comment on FR Doc # 2013-01763

Submitter Information

Name: Natalie Clark

Address: 

Columbus, Ohio, 

Email: bumbaloughclark2005@yahoo.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 repayments and forbearance when I was laid off 

from work in 2011. I am currently slated to being paying around $340/month in repayments. I 

am a professional counselor in private practice and will be seeking yet another piece of relief in 

the form of yet another reduction of repayment based on income. It has become easier in recent 

years to communicate with Sallie Mae and ACS re: my loans. Having financed undergrad studies 

at Ohio State and been through repayment of those loans in the 1990s/early 2000s, the process of 

consolidation was very confusing and it was hard to know when one company "bought" my 

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 appreciate. I do not evade payment 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. Clark,

The United States Department of Education, the Office of Federal Student Aid, and the National 

Student Loan Data System (NSLDS) would like to thank you for the feedback you provided on 

the Agency Information Collection Activities posting for NSLDS. Information Collection 

Activities are posted every three years for each of our enterprise systems, and public comments 

like yours ensure that we are continuously improving the way we do business. 

Your comment, in which you discuss your dedicated and continuous effort to repay your 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 straight-forward, hassle-free experience for all borrowers.

NSLDS primarily deals with the data collection aspect of Federal Financial Aid, so no direct 

action within the system 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 and analysis.

Respectfully,

The National Student Loan Data System