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Federal Employee Student Loan Assistance Act
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Author :United States. Congress. Senate. Committee on Governmental Affairs Publisher : ISBN 13 : Total Pages :10 pages Book Rating :4.:/5 (327 download)
Book Synopsis Federal Employee Student Loan Assistance Act by : United States. Congress. Senate. Committee on Governmental Affairs
Download or read book Federal Employee Student Loan Assistance Act written by United States. Congress. Senate. Committee on Governmental Affairs and published by . This book was released on 2003 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Employee Student Loan Assistance Act by : United States. Congress. Senate. Committee on Governmental Affairs
Download or read book Federal Employee Student Loan Assistance Act written by United States. Congress. Senate. Committee on Governmental Affairs and published by . This book was released on 2003 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Higher Education Opportunity Act by : United States
Download or read book Higher Education Opportunity Act written by United States and published by . This book was released on 2008 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Student Loan Repayment Assistance for Public Interest Lawyers and Other Employees of Governments and Nonprofit Organizations by : Philip G. Schrag
Download or read book Federal Student Loan Repayment Assistance for Public Interest Lawyers and Other Employees of Governments and Nonprofit Organizations written by Philip G. Schrag and published by . This book was released on 2014 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the College Cost Reduction and Access Act of 2007, Congress has created the income-based repayment (IBR) plan for student loans, through which graduates with high debts and low incomes may substantially reduce their monthly loan repayment obligations. Congress has also created a public service loan forgiveness plan, through which the federal government will forgive the remaining debt of borrowers who make 120 IBR (or certain other) payments while serving full time in public service jobs (very broadly defined). These programs are available to those who borrowed for graduate and professional training as well as for undergraduate education. These two programs will be of great value to public interest lawyers because of their typically high debts and low incomes, but they will also significantly assist social workers, government employees, soldiers, nurses, doctors, teachers, and many others who work in non-profit organizations and government agencies. This article explains why Congress created these two related programs, demonstrates the magnitude of the benefits available to representative borrowers, and outlines how graduates can obtain these benefits. It also elaborates how, even before the income-based repayment plan becomes effective in 2009, public service employees may make monthly repayments that will help to qualify them for eventual loan forgiveness. Finally, the article discusses the need for additional legislation to enable these new programs to achieve their objectives fully.
Download or read book Dear Debt written by Melanie Lockert and published by Coventry House Publishing. This book was released on 2016-08-12 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt
Author :United States. Congress. Senate. Committee on Labor and Public Welfare. Subcommittee on Education Publisher : ISBN 13 : Total Pages :72 pages Book Rating :4.:/5 (319 download)
Book Synopsis Emergency Student Loan Act of 1969 by : United States. Congress. Senate. Committee on Labor and Public Welfare. Subcommittee on Education
Download or read book Emergency Student Loan Act of 1969 written by United States. Congress. Senate. Committee on Labor and Public Welfare. Subcommittee on Education and published by . This book was released on 1969 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: Considers the following bills to amend the Higher Education Act. S. 2422, to authorize HEW to set maximum interest rates for insured student loans. S. 2721, to authorize Federal incentive payments to lenders of insured student loan programs.
Author :United States. Congress. Senate. Committee on Labor and Public Welfare. Subcommittee on Education Publisher : ISBN 13 : Total Pages :72 pages Book Rating :4.:/5 (6 download)
Book Synopsis Emergency Student Loan Act of 1969 by : United States. Congress. Senate. Committee on Labor and Public Welfare. Subcommittee on Education
Download or read book Emergency Student Loan Act of 1969 written by United States. Congress. Senate. Committee on Labor and Public Welfare. Subcommittee on Education and published by . This book was released on 1969 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Labor and Human Resources Publisher : ISBN 13 : Total Pages :148 pages Book Rating :4.0/5 (1 download)
Book Synopsis Federal Direct Student Loans by : United States. Congress. Senate. Committee on Labor and Human Resources
Download or read book Federal Direct Student Loans written by United States. Congress. Senate. Committee on Labor and Human Resources and published by . This book was released on 1992 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document provides testimony, prepared statements, articles, publications, and other materials concerning the issue of augmenting current student financial assistance programs with the addition of direct student loans (Self Reliance Loans), and examines responsible ways in which the federal government should move in this direction. Among the persons providing testimony are the following: U.S. Senators Bill Bradley (New Jersey), Edward M. Kennedy (Massachusetts), Orrin G. Hatch (Utah), Nancy Landon Kassebaum (Kansas), Paul Simon (Illinois), Strom Thurmond (South Carolina), and Daniel K. Akaka (Hawaii) and U.S. Representative Thomas E. Petri (Wisconsin). Additional witnesses giving testimony or prepared statements include, among others,: John Silber, president, Boston University (Massachusetts); Father William J. Byron, president, The Catholic University, Washington, D.C.; Barry Bluestone, professor of political economy, University of Massachusetts, Boston, Massachusetts; Roxie LaFever, vice president, financial aid, University of Phoenix, Phoenix, Arizona; and Elizabeth M. Hicks, coordinator of financial aid, Harvard University, Cambridge, Massachusetts. Materials presented include "Concerns and Unanswered Questions Regarding Income Dependent Education Assistance (IDEA) aka Self Reliance Loans," and a copy of a discussion draft of a bill to amend Part D of Title IV of the Higher Education Act of 1965 to provide for income dependent education assistance. (GLR)
Book Synopsis Repay As You Earn by : Philip G. Schrag
Download or read book Repay As You Earn written by Philip G. Schrag and published by Bloomsbury Publishing USA. This book was released on 2001-11-30 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 1993, Congress created a student loan repayment plan intended to enable high-debt graduates to accept low-income, public service jobs by reducing their loan payments and eventually forgiving part of their debts. But this Congressional initiative only helps those with catastrophically low incomes. It has failed to attract many users because, as implemented through regulations of the U.S. Department of Education, it requires payment over too long a period (25 years before forgiveness). Many students go to graduate and professional schools in pursuit of careers in public service. But they often must borrow $100,000 or more to finance their education. Their loan repayment obligations become so high that they can no longer afford to follow their ideals, and they abandon their plans to have public service careers and seek employment with corporations or firms offering high salaries. The income-contingent repayment plan should have appealed to would-be public interest lawyers, who are among the graduates with the highest debt-to-income ratios; but the plan has failed them, and Schrag explores why and how the plan should be reformed, either by Congress or by the federal administration.
Book Synopsis Federal Student Loan Programs by : United States. Congress. House. Committee on Government Reform
Download or read book Federal Student Loan Programs written by United States. Congress. House. Committee on Government Reform and published by . This book was released on 2005 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Student Loans Made Under the Federal Family Education Loan Program and the William D. Ford Federal Direct Loan Program by : David P. Smole
Download or read book Federal Student Loans Made Under the Federal Family Education Loan Program and the William D. Ford Federal Direct Loan Program written by David P. Smole and published by Createspace Independent Pub. This book was released on 2013-03-13 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: The William D. Ford Federal Direct Loan (DL) program, authorized under Title IV, Part D of the Higher Education Act of 1965 (HEA), as amended, is the primary federal student loan program administered by the U.S. Department of Education (ED). The program makes available loans to undergraduate and graduate students and the parents of dependent undergraduate students to help them finance their postsecondary education expenses. The following types of loans are currently offered through the DL program: Subsidized Stafford Loans for undergraduate students; Unsubsidized Stafford Loans for undergraduate and graduate students; PLUS Loans for graduate students and the parents of dependent undergraduate students; and Consolidation Loans through which borrowers may combine multiple loans into a single loan. For FY2013, ED estimates that 22.5 million loans (not including Consolidation Loans) totaling $120.8 billion will be made to students and their parents through the DL program. Until July 1, 2010, Subsidized Stafford Loans, Unsubsidized Stafford Loans, PLUS Loans, and Consolidation Loans were also available through the Federal Family Education Loan (FFEL) program, authorized under Title IV, Part B of the HEA. The SAFRA Act, part of the Health Care and Education Reconciliation Act of 2010 (HCERA; P.L. 111-152), terminated the authority to make new loans under the FFEL program after June 30, 2010. While new loans may no longer be made through the FFEL program, approximately $289 billion in FFEL program loans are outstanding and are due to be repaid over the coming years. FFEL and DL program loans are low-interest loans, with maximum interest rates for each type of loan established by statute. Subsidized Stafford Loans are unique in that they are only available to undergraduate students demonstrating financial need. With certain exceptions, the federal government pays the interest that accrues on Subsidized Stafford Loans while the borrower is enrolled in school on at least a half-time basis, during a six-month grace period thereafter, and during periods of authorized deferment. Unsubsidized Stafford Loans and PLUS Loans are available to borrowers irrespective of their financial need; and borrowers are responsible for paying all the interest that accrues on these loans. FFEL and DL program loans have terms and conditions that may be more favorable to borrowers than private and other non-federal loans. These beneficial terms and conditions include interest rates that are often lower than rates that might be obtained from other lenders, opportunities for repayment relief through deferment and forbearance, loan consolidation, and several loan forgiveness programs. In the recent years, numerous changes were made to the terms and conditions of DL program loans. The Budget Control Act of 2011 (BCA; P.L. 112-25) eliminated the availability of Subsidized Stafford Loans to graduate and professional students for periods of instruction beginning on or after July 1, 2012; and terminated the availability of certain repayment incentives for loans made on or after July 1, 2012. The Consolidated Appropriations Act, FY2012 (P.L. 112-74) eliminated interest subsidies during the six-month post-enrollment grace period on Subsidized Stafford Loans disbursed between July 1, 2012, and June 30, 2014. The Moving Ahead for Progress in the 21st Century Act (MAP-21; P.L. 112-141) lowered the interest rate from 6.8% to 3.4% on Subsidized Stafford Loans made between July 1, 2012, and June 30, 2013. Also, for individuals who are new borrowers on or after July 1, 2013, MAP-21 restricted both the period during which individuals may borrow Subsidized Stafford Loans and the period during which the in-school interest subsidy may be provided to 150% of the published length of their educational program.
Author :United States. Congress. House. Committee on Government Operations. Human Resources and Intergovernmental Relations Subcommittee Publisher : ISBN 13 : Total Pages :160 pages Book Rating :4.:/5 (327 download)
Book Synopsis Managing the Federal Direct Student Loan Program by : United States. Congress. House. Committee on Government Operations. Human Resources and Intergovernmental Relations Subcommittee
Download or read book Managing the Federal Direct Student Loan Program written by United States. Congress. House. Committee on Government Operations. Human Resources and Intergovernmental Relations Subcommittee and published by . This book was released on 1994 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: The House Subcommittee on Human Resources and Intergovernmental Relations met to hear testimony from leaders in government and higher education on managing the federal direct student loan program. Focus was on the Department of Education's plans to correct existing management problems of the Guaranteed Student Loan Program and implement the additional responsibilities of managing a direct lending loan program. Statements are included from the following: Robert E. Andrews, New Jersey Representative; Stephanie Bloomingdale, U.S. Students Association; Thomas A. Butts, for the American Council on Education, American Association of State Colleges and Universities, American Association of Community Colleges, National Association of College and University Business Officers, and National Association of State Universities and Land Grant Colleges; Clarence C. Crawford, :U.S. General Accounting Office; Orcilia Zuniga Forbes, University of New Mexico; William F. Goodling, Representative from Pennsylvania; Madeline Kunin, U.S. Department of Education; Thomas E. Petri, Representative from Wisconsin; Anne Sturtevant, Emory University (Tennessee); and Edolphus Towns, Representative from New York. (JB)
Author :United States. Congress. Senate. Committee on Labor and Human Resources Publisher : ISBN 13 : Total Pages :192 pages Book Rating :4.0/5 (1 download)
Book Synopsis Student Loan Reform by : United States. Congress. Senate. Committee on Labor and Human Resources
Download or read book Student Loan Reform written by United States. Congress. Senate. Committee on Labor and Human Resources and published by . This book was released on 1993 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Repaying Your Student Loans written by and published by . This book was released on 2002 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Student Loans by : Tatiana Shohov
Download or read book Federal Student Loans written by Tatiana Shohov and published by Nova Publishers. This book was released on 2004 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: Title IV of the Higher Education Act (HEA) authorises the major federal student aid programs, including the student loan programs, which are the largest source of aid for students. In FY2000, the Federal Family Education Loan (FFEL) programs and the Federal Direct Student Loan (DL) program supported an estimated $33.1 billion in new loan volume. Several types of loans are available: Federal need-based subsidised Stafford loans (under which the government pays the interest while the borrower is in school, a grace period of deferment); unsubsidised Stafford loans; Federal PLUS loans (for parents of undergraduate students); and Federal Consolidation loans. Overall, student loan volume has been increased in recent years, from $24 billion in FY1994 to $33 billion in FY2000. The number of loans being made has increased over the same period going from 6,483,000 to 8,618,000. The average amount that individual students are borrowing in any given year has not increased as dramatically. This new book examines important issues related to this cornerstone of American higher education.
Author :United States. Congress. Senate. Committee on Governmental Affairs Publisher : ISBN 13 : Total Pages :32 pages Book Rating :4.:/5 (327 download)
Book Synopsis Homeland Security Federal Workforce Act by : United States. Congress. Senate. Committee on Governmental Affairs
Download or read book Homeland Security Federal Workforce Act written by United States. Congress. Senate. Committee on Governmental Affairs and published by . This book was released on 2003 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Education and Labor. Subcommittee on Postsecondary Education Publisher : ISBN 13 : Total Pages :360 pages Book Rating :4.0/5 (18 download)
Book Synopsis Hearing on H.R. 2336, the Income-Dependant [sic] Education Assistance Act and H.R. 3050, the Self-Reliance Scholarship Act by : United States. Congress. House. Committee on Education and Labor. Subcommittee on Postsecondary Education
Download or read book Hearing on H.R. 2336, the Income-Dependant [sic] Education Assistance Act and H.R. 3050, the Self-Reliance Scholarship Act written by United States. Congress. House. Committee on Education and Labor. Subcommittee on Postsecondary Education and published by . This book was released on 1992 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document presents hearing testimony and prepared statements, letters, and supplemental material concerning the use of the United States tax collection system for collecting postsecondary education student loans and developing a repayment system that is income-sensitive. Among those presenting testimony are the following: Michael S. Bigelow, Deputy Assistant Commissioner, Returns Processing, Internal Revenue Service; New Jersey U.S. Senator Bill Bradley; Connecticut U.S. Representative Sam Gejdenson; Stacey Leyton, Vice President, United States Student Association; and Illinois U.S. Senator Paul Simon. Those individuals presenting prepared statements and other material include the following: Minnesota U.S. Senator Dave Durenberger; Pennsylvania U.S. Representative Joseph M. Gaydos; Jerry Davis, Vice President, Research and Policy Analysis, Pennsylvania Higher Education Assistance Agency; Connecticut U.S. Senator Joseph I. Lieberman; and Joseph A. Russo, Director of Financial Aid, University of Notre Dame (Indiana). In addition, prepared information was submitted by a professor, financial aid directors, an education consultant, and representatives from the American Association of Community and Junior Colleges and the Coalition of Higher Education Assistance Organizations. Included are the texts of Senate Bill 1845 entitled "Financial Aid for All Students Act of 1991" and House of Representatives bills 3050 and 2336. (GLR)
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