[Federal Register Volume 79, Number 177 (Friday, September 12, 2014)]
[Notices]
[Pages 54685-54695]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2014-21792]
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DEPARTMENT OF EDUCATION
Privacy Act of 1974; System of Records
AGENCY: Federal Student Aid, Department of Education.
ACTION: Notice of altered and deleted systems of records.
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SUMMARY: In accordance with the Privacy Act of 1974, as amended
(Privacy Act), 5 U.S.C. 552a, the Chief Operating Officer for Federal
Student Aid (FSA) of the U.S. Department of Education (the Department)
publishes this notice to revise the system of records entitled ``Common
Services for Borrowers'' (CSB) system (18-11-16), originally published
in the Federal Register on January 23, 2006 (71 FR 3503).
The Department publishes this notice to revise the CSB system of
records as a result of amendments to the Higher Education Act of 1965,
as amended (HEA), made by the Higher Education Reconciliation Act of
2005 (HERA), the College Cost Reduction and Access Act of 2007 (CCRAA),
the Higher Education Opportunity Act of 2008 (HEOA), and the Student
Aid and Fiscal Responsibility Act of 2009 (SAFRA).
[[Page 54686]]
Because the following two systems of records have become
duplicative of other systems of records and are no longer needed, the
Department also deletes the title IV Program Files (18-11-05) system of
records, originally published in the Federal Register on April 12, 1994
(59 FR 17351), republished on June 4, 1999 (64 FR 30106, 30163-66), and
amended on December 27, 1999 (64 FR 72384, 72407), and the Student
Financial Assistance Collection Files (18-11-07) system of records,
originally published in the Federal Register on June 2, 1981 (46 FR
29596, 29649-29650), amended on December 9, 1983 (48 FR 55159), amended
on June 18, 1984 (49 FR 24927), republished on June 4, 1999 (64 FR
30106, 30166-30169), and amended on December 27, 1999 (64 FR 72384,
72407).
DATES: Submit your comments on this notice of altered and deleted
systems of records on or before October 14, 2014.
The Department has filed a report describing the altered system of
records covered by this notice with the Chair of the Senate Committee
on Homeland Security and Governmental Affairs, the Chair of the House
Committee on Oversight and Government Reform, and the Administrator of
the Office of Information and Regulatory Affairs, Office of Management
and Budget (OMB) on September 2, 2014. This altered system of records
will become effective on the later date of: (1) The expiration of the
40-day period for OMB review on October 12, 2014, unless OMB waives 10
days of the 40-day review period for compelling reasons shown by the
Department; or (2) October 14, 2014, unless the altered system of
records notice needs to be changed as a result of public comment or OMB
review. The Department will publish any changes to the altered system
of records notice that result from public comment or OMB review.
ADDRESSES: Address all comments about this notice of altered and
deleted systems of records to: Director, Program Management Services,
Business Operations, Federal Student Aid, U.S. Department of Education,
830 First Street NE., Union Center Plaza (UCP), Room 64E1, Washington,
DC 20202-5132. If you prefer to send comments by email, use the
following address: [email protected].
You must include the term ``CSB comments'' in the subject line of
your email.
During and after the comment period, you may inspect all public
comments about this notice in Room 64D1, UCP, 830 First Street NE.,
Washington, DC, between the hours of 8:00 a.m. and 4:30 p.m., Eastern
Standard Time, Monday through Friday of each week except Federal
holidays.
Assistance to Individuals With Disabilities in Reviewing the
Rulemaking Record: On request, we will supply an appropriate
accommodation or auxiliary aid to an individual with a disability who
needs assistance to review the comments or other documents in the
public rulemaking record for this notice. If you want to schedule an
appointment for this type of accommodation or auxiliary aid, please
contact the person listed under FOR FURTHER INFORMATION CONTACT.
FOR FURTHER INFORMATION CONTACT: Director, Program Management Services,
Business Operations, Federal Student Aid, U.S. Department of Education,
UCP, 830 First Street NE., Room 64E1, Washington, DC 20202-5132.
Telephone number: (202) 377-3676.
If you use a telecommunications device for the deaf (TDD) or a text
telephone (TTY), you may call the Federal Relay Service (FRS), toll
free, at 1-800-877-8339.
SUPPLEMENTARY INFORMATION:
Introduction
The CSB system of records covers records for all activities that
the Department carries out with regard to making and servicing Federal
title IV, HEA loans, and collecting or otherwise resolving obligations
owed by an individual with respect to a Federal title IV, HEA loan or
grant program. The CSB system contains records of an individual's
Federal title IV, HEA loans or grants and of transactions performed by
the Department to carry out the purposes of this notice.
Authority to collect data to make and service title IV, HEA loans,
and to otherwise resolve obligations owed by an individual with respect
to a Federal title IV, HEA grant program, is provided by titles IV-A,
IV-B, IV-D, and IV-E of the HEA.
The Privacy Act (5 U.S.C. 552a(e)(4) and (11)) requires Federal
agencies to publish in the Federal Register this notice of an altered
system of records. The Department's regulations implementing the
Privacy Act are contained in part 5b of title 34 of the Code of Federal
Regulations (CFR).
The Privacy Act applies to records about individuals that contain
individually identifying information and that are retrieved by a unique
identifier associated with each individual, such as a name or Social
Security number. The information about each individual is called a
``record,'' and the system, whether manual or computer-based, is called
a ``system of records.''
Whenever the Department makes a significant change to an
established system of records, the Privacy Act requires the Department
to publish a notice of an altered system of records in the Federal
Register and to prepare and send a report to the Chair of the Committee
on Oversight and Government Reform of the House of Representatives, the
Chair of the Committee on Homeland Security and Governmental Affairs of
the Senate, and the Administrator of the Office of Information and
Regulatory Affairs, OMB. These reports are intended to permit an
evaluation of the probable effect of the proposal on the privacy rights
of individuals.
A change to a system of records is considered to be a significant
change that must be reported whenever an agency expands the types or
categories of information maintained, significantly expands the number,
types, or categories of individuals about whom records are maintained,
changes the purpose for which the information is used, changes the
equipment configuration in a way that creates substantially greater
access to the records, or adds a routine use disclosure to the system.
The CSB system of records was first published in the Federal Register
on January 23, 2006 (71 FR 3503), and a number of changes are needed to
update and accurately describe the current system of records.
The CSB system of records will facilitate the Secretary of
Education's performance of statutory duties to make and service Federal
title IV, HEA loans and grants under titles IV-A, IV-B, IV-D, and IV-E
of the HEA that require:
(1) Verifying the identity of an individual;
(2) Determining program eligibility and benefits;
(3) Facilitating default reduction efforts by program participants;
(4) Enforcing the conditions or terms of a loan or grant;
(5) Making, servicing, collecting, assigning, adjusting,
transferring, referring, or discharging a loan or collecting a grant
obligation;
(6) Counseling a debtor in repayment efforts;
(7) Investigating possible fraud or abuse and verifying compliance
with program regulations;
(8) Locating a delinquent or defaulted borrower or an individual
obligated to repay a loan or grant;
(9) Preparing a debt for litigation, providing support services for
litigation
[[Page 54687]]
on a debt, litigating a debt, or auditing the results of litigation on
a debt;
(10) Preparing for, conducting, or enforcing a limitation,
suspension, termination, or debarment action;
(11) Ensuring that program requirements are met by educational and
financial institutions, Federal Loan Servicers [including Title IV
Additional Servicers (TIVAS) and Not-for-Profit (NFP) Servicers], the
Federal Perkins Loan Servicer, Private Collection Agencies (PCAs), and
guaranty agencies;
(12) Verifying whether a debt qualifies for a discharge,
cancellation, or forgiveness;
(13) Conducting credit checks or responding to inquiries or
disputes arising from information on the debt already furnished to a
credit-reporting agency;
(14) Investigating complaints, updating information, or correcting
errors contained in Department records; and
(15) Refunding credit balances back to the individual or loan
holder.
This notice expands the sections of the system notice entitled
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM and CATEGORIES OF
RECORDS IN THE SYSTEM. In the CATEGORIES OF INDIVIDUALS COVERED BY THE
SYSTEM section, the system of records notice has been expanded to cover
individuals who are obligated to repay a grant under the Academic
Competitiveness Grant (ACG) Program, the National Science and
Mathematics Access to Retain Talent (National SMART) Grant Program, the
Teacher Education Assistance for College and Higher Education (TEACH)
Grant Program, and the Iraq and Afghanistan Service Grant Program. The
notice also expands the categories of individuals covered by the system
of records notice to include individuals who are eligible for Civil
Legal Assistance Attorney Student Loan Repayment Program (CLAARP). The
CSB system of records notice will also cover individuals who are
employed full-time by a public service organization and eligible for
Public Service Loan Forgiveness (PSLF).
In the CATEGORY OF RECORDS IN THE SYSTEM section, the notice
identifies the underlying systems covered by the CSB system of records
notice that the Department employs to make and service loans as well as
to collect and resolve obligations that a borrower owes under the HEA.
These systems are identified as the Direct Loan Consolidation System
(DLCS), the Debt Management Collection System (DMCS), the Federal
Perkins Loan Servicer System, the systems of the Federal Loan
Servicers, the systems of the PCAs, and the Total and Permanent
Disability (TPD) system. Further, the CSB system of records notice will
also cover systems with information acquired from borrowers who qualify
for the CLAARP or the PSLF Program.
This notice further expands the system's purposes. The terms
``transfer'' and ``refer'' were added to purpose (5) of the PURPOSES
section of this notice. The term ``transfer'' pertains to the actions
performed by the Federal Loan Servicers to transfer borrower loans
among one another for the purposes of consolidating the borrower's
account information. The term ``refer'' pertains to the process of
referring a defaulted loan for collection. The term ``abuse'' has been
included in purpose (7) of the PURPOSES section of this notice to
ensure that the Department has the means to combat many types of
improper behavior, not just fraudulent behavior. We altered purpose
(11) of the PURPOSES section of this notice for the information
maintained in this system relating to institutions participating in and
administering programs under title IV of the HEA to ensure that the
procured services of the Federal Loan Servicers and PCAs meet program
requirements. The purpose of procuring the Federal Loan Servicers was
to effectively manage the servicing and processing of the large number
of Federal Family Education Loan Program loans purchased by the
Department and the transition to 100 percent Direct Loans. The initial
four Federal Loan Servicers were Nelnet Servicing, LLC; Great Lakes
Education Loan Services, Inc.; Pennsylvania Higher Education Assistance
Agency (PHEAA); and Sallie Mae, Inc. FSA subsequently also solicited
NFP Servicers into the group of Federal Loan Servicers to support loan
servicing. In addition, the Department has contracted with Educational
Computer Systems, Inc. (ECSI) to service Federal Perkins Loans.
Consequently, the notice also updates the paragraphs that describe the
system locations of the Federal Loan Servicers, including the initial
TIVAS and the more recently added NFP Servicers, as well as the
locations of Federal Servicers, such as ECSI, and other Department
contractors. The term ``forgiveness'' has been included in purpose (12)
of the PURPOSES section of this notice to reference that a debt is
eligible to be forgiven if it meets the program requirements for PSLF
or CLAARP.
We are also adding two new purposes to this system of records. We
are adding purpose (16) of the PURPOSES section to include that the
Department uses this system to allow educational institutions,
financial institutions, Federal Loan Servicers, the Federal Perkins
Loan Servicer, PCAs, and guaranty agencies to report information to the
Department on all aspects of loans and grants made under title IV of
the HEA in uniform formats to permit the Department directly to compare
data submitted to the Department by individual educational
institutions, financial institutions, third-party servicers, guaranty
agencies, Federal Loan Servicers, the Federal Perkins Loan Servicer, or
PCAs.
We added purpose (17) to include that the Department uses this
system to report to the Internal Revenue Service (IRS) information
required by law to be reported, including, but not limited to, reports
required by 26 U.S.C. 6050P and 6050S. Title 26 U.S.C. 6050P requires
an entity that discharges some or all of a debt of $600 or more of
principal to report to the IRS the amount of principal that it
discharges. Title 26 U.S.C. 6050S requires ``any person, except as
provided in regulations, which is engaged in a trade or business and,
in the course of which, receives from any individual interest
aggregating $600 or more for any calendar year on one or more qualified
education loans'' to report to the individual and the IRS the aggregate
amounts of payments over $600 of interest on qualified education loans
during a calendar year.
The notice also proposes to make a number of changes which expand
the current routine use disclosures in the system. First, programmatic
routine use (1)(k) has been updated to include Federal Loan Servicers,
the Federal Perkins Loan Servicer, and PCAs as entities that the
Department may make disclosures to in order to ensure that they meet
HEA program requirements.
Second, programmatic routine use (1)(l) has been updated to include
forgiveness as a category for which a debt can qualify and to permit
disclosure to the entities specified in this routine use in order for
the Department to verify whether a debt qualifies for forgiveness.
Third, the Department is adding programmatic routine use (1)(p) to
allow the Department to make disclosures to educational institutions,
financial institutions, guaranty agencies, Federal Loan Servicers, the
Federal Perkins Loan Servicer, and PCAs to allow them to report
information to the Department on all aspects of loans and grants made
under title IV of the HEA in uniform formats to permit the Department
directly to compare data submitted to the Department by individual
educational institutions, financial
[[Page 54688]]
institutions, third-party servicers, guaranty agencies, Federal Loan
Servicers, the Federal Perkins Loan Servicer, or PCAs.
Fourth, we are also adding programmatic routine use (1)(q) to
permit the Department to report information, including, but not limited
to, reports required by 26 U.S.C. 6050P and 6050S, to the IRS because
such reporting to the IRS is required by law.
Fifth, the Department has updated routine use (9) to allow the
Department to disclose records to the Department of Justice (DOJ) or
OMB to obtain advice on whether the Privacy Act requires access to
particular records in this system.
Sixth, routine use (14) has been updated to specify that the Credit
Reform Act (CRA) currently requires the Department to disclose to OMB
data on lender interest benefits and special allowance payments,
defaulted loan balances, and supplemental pre-claims assistance
payments information.
Seventh, the Department has added a new routine use (15)
``Disclosure in the Course of Responding to a Breach of Data'' to
permit the Department to disclose records to appropriate agencies,
entities, and persons to assist in connection with the Department's
efforts to respond to a suspected or confirmed compromise of a system
covered by this system of records notice and to prevent, minimize, or
remedy any harm.
Eighth, the Department also has added new routine use (16)
``Disclosure to Third Parties Through Computer Matching Programs,'' to
permit the Department to make disclosures of information in this system
to any third party through a computer matching program, which is
conducted under a Computer Matching Agreement between the Department
and the third party, and requires that the matching be conducted in
compliance with the requirements of the Privacy Act of 1974, 5 U.S.C.
552a, as amended by the Computer Matching and Privacy Protection Act of
1988 and the Computer Matching and Privacy Protection Amendments of
1990, and the OMB guidance interpreting these Acts. The purposes of
these disclosures may be: (a) To establish or verify program
eligibility and benefits under any Federal benefit programs; (b) to
establish or verify compliance with program regulations or statutory
requirements, such as to investigate possible fraud or abuse; and (c)
to recoup payments or delinquent debts under any Federal benefit
programs, such as to locate or take legal action against a delinquent
or defaulted debtor.
Ninth, the Department also has added new routine use (17)
``Disclosure of Information to the U.S. Department of the Treasury,''
to permit the Department to make disclosures of any information in this
system to the U.S. Department of the Treasury and its designated
``agents,'' State agencies, and contractors whether or not the
disclosure constitutes a computer matching program for the purpose of
identifying, preventing, or recouping improper payments to an applicant
for, or recipient of, Federal funds.
Finally, the RETRIEVABILITY section has been updated to include the
data elements that are used to retrieve the records of individuals
pertaining to title IV, HEA loans and grants in this system.
Collectively, these revisions will enhance the ability of the
Secretary to collect and maintain information on Federal title IV, HEA
loans or grants repayment obligations made, insured, guaranteed, or
arising under titles IV-A, IV-B, IV-D, and IV-E of the HEA; and to
otherwise resolve obligations owed by an individual with respect to a
loan or grant program authorized by the HEA.
Accessible Format: Individuals with disabilities can obtain this
document in an alternative format (e.g., braille, large print,
audiotape, or compact disc) on request to the contact person listed
under this section.
Electronic Access to This Document: The official version of this
document is the document published in the Federal Register. Free
Internet access to the official edition of the Federal Register and the
Code of Federal Regulations is available via the Federal Digital System
at: www.gpo.gov/fdsys. At this site you can view this document, as well
as all other documents of this Department published in the Federal
Register, in text or Adobe Portable Document Format (PDF). To use PDF
you must have Adobe Acrobat Reader, which is available free at the
site.
You may also access documents of the Department published in the
Federal Register by using the article search feature at:
www.federalregister.gov.
Specifically, through the advanced search feature at this site, you
can limit your search to documents published by the Department.
Dated: September 2, 2014.
James W. Runcie,
Chief Operating Officer, Federal Student Aid.
For the reasons discussed in the introduction, the Chief Operating
Officer of Federal Student Aid (FSA), U.S. Department of Education
(Department), deletes and alters the following systems of records to
read as follows:
DELETED SYSTEMS:
SYSTEM NUMBER AND SYSTEM NAME:
18-11-05 Title IV Program Files, originally published in
the Federal Register on April 12, 1994 (59 FR 17351), republished on
June 4, 1999 (64 FR 30106, 30163-66), and amended on December 27, 1999
(64 FR 72384, 72407); and
18-11-07 Student Financial Assistance Collection Files,
originally published in the Federal Register on June 2, 1981 (46 FR
29596, 29649-29650), amended on December 9, 1983 (48 FR 55159), amended
on June 18, 1984 (49 FR 24927), republished on June 4, 1999 (64 FR
30106, 30166-30169), and amended on December 27, 1999 (64 FR 72384,
72407).
ALTERED SYSTEM:
SYSTEM NUMBER: 18-11-16
SYSTEM NAME:
Common Services for Borrowers (CSB).
SECURITY CLASSIFICATION:
None.
SYSTEM LOCATION:
Virtual Data Center (VDC), Dell Systems, 2300 West Plano Parkway,
Plano, TX 75075-8427.
U.S. Department of Education, Federal Student Aid, 830 First Street
NE., Union Center Plaza (UCP), Washington, DC 20202-5132.
See Appendix II to this notice for the name and location of
additional Department locations as well as those of Department
contractors with access to this system of records.
Federal Loan Servicers:
Great Lakes Educational Loan Services, Inc., 2401
International Lane, Madison, WI 53704-3121;
Nelnet Servicing LLC, 1001 Fort Crook Road N., Suite 132,
Bellevue, NE 68005, 6420 Southpoint Parkway, Jacksonville, FL 32216-
8009 and 3015 South Parker Road, Aurora, CO 80014-2906;
Pennsylvania Higher Education Assistance Agency (PHEAA),
1200 North 7th Street, Harrisburg, PA 17102-1419; and
Sallie Mae, 11100 USA Parkway, Fishers, IN 46037-9203.
The Department contracts with the aforementioned four Federal Loan
Servicers group to effectively manage the servicing and processing of
the large number of Federal Family Education Loan Program loans
purchased by the Department and as a result of the transition to 100
percent Direct Loans.
[[Page 54689]]
The Department also contracts with Not-for-Profit (NFP) Servicers,
which also serve as Federal Loan Servicers to support loan servicing.
See Appendix II to this notice for the name and location of each NFP
Servicer with which the Department contracts.
In addition to the Federal Loan Servicers listed above, the
Department contracts with Educational Computer Systems, Inc. (ECSI),
181 Montour Run Road, Coraopolis, PA 15108-9408, to service Federal
Perkins Loans.
The Department also contracts with Private Collection Agencies
(PCAs) to collect delinquent or defaulted loans. See Appendix II to
this notice for the name and location of each PCA with which the
Department contracts.
Other contractors that the Department contracts with to maintain
this system of records are found in Appendix II to this notice along
with the name of the system that they support.
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
The CSB system contains records on those individuals who received a
loan or who are otherwise obligated to repay a loan or grant made under
title IV of the Higher Education Act of 1965, as amended (HEA), held
and collected by the Department, which was made under: (1) The Federal
Family Education Loan (FFEL) Program, including Stafford Loans, Federal
Insured Student Loans (FISL), Supplemental Loans for Students (SLS),
PLUS Loans (formerly Parental Loans for Undergraduate Students), and
Consolidation Loans; (2) the William D. Ford Federal Direct Loan
(Direct Loan) Program, including Federal Direct Unsubsidized and
Subsidized Stafford/Ford Loans, Federal Direct Consolidation Loans, and
Federal Direct PLUS Loans; (3) the Federal Perkins Loan Program; (4)
the Federal Pell Grant Program; (5) the Federal Supplemental Education
Opportunity Grant (FSEOG) Program; (6) the Leveraging Educational
Assistance Partnership (LEAP) Program; (7) the Special Leveraging
Educational Assistance Partnership (SLEAP) Program; (8) Academic
Competiveness Grant (ACG) Program; (9) National Science and Mathematics
Access to Retain Talent (SMART) Grant Program; (10) Teach Education
Assistance for College and Higher Education (TEACH) Grant Program; (11)
the Iraq and Afghanistan Service Grant Program; (12) the Civil Legal
Assistance Attorney Student Loan Repayment Program (CLAARP); and (13)
the Public Service Loan Forgiveness (PSLF) Program.
This system also contains records on individuals who apply for, but
do not receive a Direct Loan, as well as individuals identified by the
borrower or recipient of the Federal title IV, HEA loan or grant as
references or as household members whose income and expenses are
considered in connection with the making or the enforcement of the
grant or loan.
CATEGORIES OF RECORDS IN THE SYSTEM:
This system of records covers the records in all systems used by
the Department to carry out activities with regard to making and
servicing loans, including collecting or otherwise resolving
obligations owed by an individual under title IV of the HEA. The
following systems are covered by this system of records notice: Direct
Loan Consolidation System (DLCS), Debt Management Collection System
(DMCS), CLAARP system, PSLF system, systems operated by the Federal
Loan Servicers to accomplish the purpose(s) of this system of records,
systems operated by the Federal Perkins Loan Program Servicer to
accomplish the purpose(s) of this system of records, systems operated
by the PCAs to accomplish the purpose(s) of this system of records, and
Total and Permanent Disability (TPD) system.
This system of records contains the employment information,
educational status, family income, Social Security number (SSN),
address(es), email address(es), and telephone number(s) of the
individuals obligated on the debt or whose income and expenses are
included in a financial statement submitted by the individual. This
system also contains records including, but not limited to, the
application for, agreement to repay, and disbursements on the loan, and
loan guaranty, if any; the repayment history, including deferments and
forbearances; claims by lenders on the loan guaranty; and cancellation
or discharges on grounds of qualifying service, bankruptcy discharge,
disability (including medical records submitted to support application
for discharge by reason of disability), death, or other statutory or
regulatory grounds for relief.
Additionally, for title IV, HEA grant overpayments, the system
contains records about the amount disbursed, the school that disbursed
the grant, and the basis for overpayment; for all debts, the system
contains demographic, employment, and other data on the individuals
obligated on the debt or provided as references by the obligor, and the
collection actions taken by any holder, including write-off amounts and
compromise amounts.
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Titles IV-A, IV-B, IV-D, and IV-E of the HEA.
PURPOSES:
The information maintained in this system of records is used for
the following purposes:
(1) To verify the identity of an individual;
(2) To determine program eligibility and benefits;
(3) To facilitate default reduction efforts by program
participants;
(4) To enforce the conditions or terms of a loan or grant;
(5) To make, service, collect, assign, adjust, transfer, refer, or
discharge a loan or collect a grant obligation;
(6) To counsel a debtor in repayment efforts;
(7) To investigate possible fraud or abuse or verify compliance
with program regulations;
(8) To locate a delinquent or defaulted borrower, or an individual
obligated to repay a loan or grant;
(9) To prepare a debt for litigation, provide support services for
litigation on a debt, litigate a debt, or audit the results of
litigation on a debt;
(10) To prepare for, conduct, or enforce a limitation, suspension,
termination, or debarment action;
(11) To ensure that program requirements are met by educational and
financial institutions, Federal Loan Servicers, the Federal Perkins
Loan Servicer, PCAs, and guaranty agencies;
(12) To verify whether a debt qualifies for discharge,
cancellation, or forgiveness;
(13) To conduct credit checks or respond to inquiries or disputes
arising from information on the debt already furnished to a credit-
reporting agency;
(14) To investigate complaints, update information, or correct
errors contained in Department records;
(15) To refund credit balances to the individual or loan holder;
(16) To allow educational institutions, financial institutions,
Federal Loan Servicers, the Federal Perkins Loan Servicer, PCAs, and
guaranty agencies to report information to the Department on all
aspects of loans and grants made under title IV of the HEA in uniform
formats to permit the Department directly to compare data submitted to
the Department by individual educational institutions, financial
institutions, third-party servicers, guaranty agencies, Federal Loan
Servicers, the Federal Perkins Loan Servicer, or PCAs; and
(17) To report to the Internal Revenue Service (IRS) information
required by law to be reported, including, but not
[[Page 54690]]
limited to, reports required by 26 U.S.C. 6050P and 6050S.
ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES
OF USERS AND THE PURPOSES OF SUCH USES:
The Department may disclose information contained in a record in
this system of records under the routine uses listed in this system of
records without the consent of the individual if the disclosure is
compatible with the purposes for which the information in the record
was collected. These disclosures may be made on a case-by-case basis,
or, if the Department has complied with the computer matching
requirements of the Privacy Act of 1974, as amended (Privacy Act),
under a computer matching agreement. Return information that the
Department obtains from the IRS (i.e., taxpayer mailing address) per a
computer matching program (discussed in Appendix I to this notice)
under the authority of 26 U.S.C. 6103(m)(2) or (m)(4) may be disclosed
only as authorized by 26 U.S.C. 6103.
(1) Program Disclosures. The Department may disclose records for
the following program purposes:
(a) To verify the identity of the individual whom records indicate
has applied for or received the loan or grant, disclosures may be made
to guaranty agencies, educational and financial institutions, and their
authorized representatives; to Federal, State, or local agencies, and
their authorized representatives; to private parties, such as
relatives, business and personal associates, and present and former
employers; to creditors; to consumer reporting agencies; to
adjudicative bodies; and to the individual whom the records identify as
the party obligated to repay the debt;
(b) To determine program eligibility and benefits, disclosures may
be made to guaranty agencies, educational and financial institutions,
and their authorized representatives; to Federal, State, or local
agencies, and their authorized representatives; to private parties,
such as relatives, business and personal associates, and present and
former employers; to creditors; to consumer reporting agencies; and to
adjudicative bodies;
(c) To facilitate default reduction efforts by program
participants, disclosures may be made to guaranty agencies, educational
and financial institutions, and their authorized representatives; to
Federal, State, or local agencies, and their authorized
representatives; to consumer reporting agencies; and to adjudicative
bodies;
(d) To enforce the conditions or terms of the loan or grant,
disclosures may be made to guaranty agencies, educational and financial
institutions, and their authorized representatives; to Federal, State,
or local agencies, and their authorized representatives; to private
parties, such as relatives, business and personal associates, and
present and former employers; to creditors; to consumer reporting
agencies; and to adjudicative bodies;
(e) To permit making, servicing, collecting, assigning, adjusting,
transferring, referring, or discharging a loan or collecting a grant
obligation, disclosures may be made to guaranty agencies, educational
institutions, or financial institutions that made, held, serviced, or
have been assigned the debt, and their authorized representatives; to a
party identified by the debtor as willing to advance funds to repay the
debt; to Federal, State, or local agencies, and their authorized
representatives; to private parties, such as relatives, business and
personal associates, and present and former employers; to creditors; to
consumer reporting agencies; and to adjudicative bodies;
(f) To counsel a debtor in repayment efforts, disclosures may be
made to guaranty agencies, educational and financial institutions, and
their authorized representatives; and to Federal, State, or local
agencies, and their authorized representatives;
(g) To investigate possible fraud or abuse or verify compliance
with program regulations, disclosures may be made to guaranty agencies,
educational and financial institutions, and their authorized
representatives; to Federal, State, or local agencies, and their
authorized representatives; to private parties, such as relatives,
present and former employers, and business and personal associates; to
creditors; to consumer reporting agencies; and to adjudicative bodies;
(h) To locate a delinquent or defaulted borrower, or an individual
obligated to repay a loan or grant, disclosures may be made to guaranty
agencies, educational and financial institutions, and their authorized
representatives; to Federal, State, or local agencies, and their
authorized representatives; to private parties, such as relatives,
business and personal associates, and present and former employers; to
creditors; to consumer reporting agencies; and to adjudicative bodies;
(i) To prepare a debt for litigation, to provide support services
for litigation on a debt, to litigate a debt, or to audit the results
of litigation on a debt, disclosures may be made to guaranty agencies
and their authorized representatives; to Federal, State, or local
agencies, and their authorized representatives; and to adjudicative
bodies;
(j) To prepare for, conduct, or enforce a limitation, suspension,
and termination or a debarment action, disclosures may be made to
guaranty agencies, educational or financial institutions, and their
authorized representatives; to Federal, State, or local agencies, and
their authorized representatives; and to adjudicative bodies;
(k) To ensure that HEA program requirements are met by educational
and financial institutions, guaranty agencies, Federal Loan Servicers,
the Federal Perkins Loan Servicer, and PCAs, disclosures may be made to
guaranty agencies, educational or financial institutions, and their
authorized representatives, and to auditors engaged to conduct an audit
of a guaranty agency or an educational or financial institution; to
Federal, State, or local agencies, their authorized representatives, or
accrediting agencies; and to adjudicative bodies;
(l) To verify whether a debt qualifies for discharge, forgiveness,
or cancellation, disclosures may be made to guaranty agencies,
educational and financial institutions, and their authorized
representatives; to Federal, State, or local agencies, and their
authorized representatives; to private parties, such as relatives,
present and former employers, and business and personal associates; to
creditors; to consumer reporting agencies; and to adjudicative bodies;
(m) To conduct credit checks or to respond to inquiries or disputes
arising from information on the debt already furnished to a credit
reporting agency, disclosures may be made to credit reporting agencies;
to guaranty agencies, educational and financial institutions, and their
authorized representatives; to Federal, State, or local agencies, and
their authorized representatives; to private parties, such as
relatives, present and former employers, and business and personal
associates; to creditors; and to adjudicative bodies;
(n) To investigate complaints or to update information or correct
errors contained in Department records, disclosures may be made to
guaranty agencies, educational and financial institutions, and their
authorized representatives; to Federal, State, or local agencies, and
their authorized representatives; to private parties, such as
relatives, present and former employers, and business and personal
associates; to creditors; to credit
[[Page 54691]]
reporting agencies; and to adjudicative bodies;
(o) To refund credit balances that are processed through the
Department's systems, as well as the U.S. Department of the Treasury's
(Treasury's) payment applications, to the individual or loan holder,
disclosures may be made to guaranty agencies, educational and financial
institutions, and their authorized representatives; to Federal, State,
or local agencies, and their authorized representatives; to private
parties, such as relatives, present and former employers, and business
and personal associates; and to creditors;
(p) To allow the reporting of information to the Department on all
aspects of loans and grants made under title IV of the HEA in uniform
formats and to permit the Department directly to compare data submitted
to the Department by individual educational institutions, financial
institutions, third-party servicers, guaranty agencies, Federal Loan
Servicers, the Federal Perkins Loan Servicer, or PCAs, disclosures may
be made to educational institutions, financial institutions, guaranty
agencies, Federal Loan Servicers, the Federal Perkins Loan Servicer,
and PCAs; and
(q) To report information required by law to be reported,
including, but not limited to, reports required by 26 U.S.C. 6050P and
6050S, disclosures may be made to the IRS.
(2) Feasibility Study Disclosure. The Department may disclose
information from this system of records to other Federal agencies, and
to guaranty agencies and to their authorized representatives, to
determine whether computer matching programs should be conducted by the
Department for purposes such as to locate a delinquent or defaulted
debtor or to verify compliance with program regulations.
(3) Disclosure for Use by Other Law Enforcement Agencies. The
Department may disclose information to any Federal, State, local, or
foreign agency or other public authority responsible for enforcing,
investigating, or prosecuting violations of administrative, civil, or
criminal law or regulation if that information is relevant to any
enforcement, regulatory, investigative, or prosecutorial responsibility
within the receiving entity's jurisdiction.
(4) Enforcement Disclosure. In the event that information in this
system of records indicates, either alone or in connection with other
information, a violation or potential violation of any applicable
statutory, regulatory, or legally binding requirement, the Department
may disclose the relevant records to an entity charged with the
responsibility for investigating or enforcing those violations or
potential violations.
(5) Litigation and Alternative Dispute Resolution (ADR) Disclosure.
(a) Introduction. In the event that one of the parties listed below
is involved in judicial or administrative litigation or ADR, or has an
interest in such litigation or ADR, the Department may disclose certain
records to the parties described in paragraphs (b), (c), and (d) of
this routine use under the conditions specified in those paragraphs:
(i) The Department or any of its components;
(ii) Any Department employee in his or her official capacity;
(iii) Any Department employee in his or her individual capacity
where the Department of Justice (DOJ) has been requested to or agrees
to provide or arrange for representation for the employee;
(iv) Any Department employee in his or her individual capacity
where the Department has agreed to represent the employee; and
(v) The United States, where the Department determines that the
litigation is likely to affect the Department or any of its components.
(b) Disclosure to the DOJ. If the Department determines that
disclosure of certain records to the DOJ is relevant and necessary to
the judicial or administrative litigation or ADR, the Department may
disclose those records as a routine use to the DOJ.
(c) Adjudicative Disclosure. If the Department determines that
disclosure of certain records to an adjudicative body before which the
Department is authorized to appear or to an individual or an entity
designated by the Department or otherwise empowered to resolve or
mediate disputes is relevant and necessary to the judicial or
administrative litigation or ADR, the Department may disclose those
records as a routine use to the adjudicative body, individual, or
entity.
(d) Parties, Counsel, Representatives, and Witnesses. If the
Department determines that disclosure of certain records to a party,
counsel, representative, or witness is relevant and necessary to the
judicial or administrative litigation or ADR, the Department may
disclose those records as a routine use to the party, counsel,
representative, or witness.
(6) Employment, Benefit, and Contracting Disclosure.
(a) For Decisions by the Department. The Department may disclose a
record to a Federal, State, or local agency maintaining civil,
criminal, or other relevant enforcement or other pertinent records, or
to another public authority or professional organization, if necessary
to obtain information relevant to a Department decision concerning the
hiring or retention of an employee or other personnel action, the
issuance of a security clearance, the letting of a contract, or the
issuance of a license, grant, or other benefit.
(b) For Decisions by Other Public Agencies and Professional
Organizations. The Department may disclose a record to a Federal,
State, local, or other public authority or professional organization,
in connection with the hiring or retention of an employee or other
personnel action, the issuance of a security clearance, the reporting
of an investigation of an employee, the letting of a contract, or the
issuance of a license, grant, or other benefit, to the extent that the
record is relevant and necessary to the receiving entity's decision on
the matter.
(7) Employee Grievance, Complaint, or Conduct Disclosure. If a
record is relevant and necessary to an employee grievance, complaint,
or disciplinary action, the Department may disclose the record in this
system of records in the course of investigation, fact-finding, or
adjudication to any witness, designated fact-finder, mediator, or other
person designated to resolve issues or decide the matter.
(8) Labor Organization Disclosure. The Department may disclose a
record from this system of records to an arbitrator to resolve disputes
under a negotiated grievance procedure or to officials of a labor
organization recognized under 5 U.S.C. chapter 71 when relevant and
necessary to their duties of exclusive representation.
(9) Freedom of Information Act (FOIA) and Privacy Act Advice
Disclosure. The Department may disclose records to the DOJ or to the
Office of Management and Budget (OMB) if the Department determines that
disclosure is desirable or necessary in determining whether particular
records are required to be disclosed under the FOIA or the Privacy Act.
(10) Disclosure to the DOJ. The Department may disclose records to
the DOJ, or the authorized representative of DOJ, to the extent
necessary for obtaining DOJ advice on any matter relevant to an audit,
inspection, or other inquiry related to the programs covered by this
system.
(11) Contracting Disclosure. If the Department contracts with an
entity for the purposes of performing any function that requires
disclosure of records in this system to employees of the contractor,
the Department may disclose the records to those employees. Before
[[Page 54692]]
entering into such a contract, the Department shall require the
contractor to maintain Privacy Act safeguards as required under 5
U.S.C. 552a(m) of the Privacy Act with respect to the records in the
system.
(12) Research Disclosure. The Department may disclose records to a
researcher if the Department determines that the individual or
organization to which the disclosure would be made is qualified to
carry out specific research related to functions or purposes of this
system of records. The Department may disclose records from this system
of records to that researcher solely for the purpose of carrying out
that research related to the functions or purposes of this system of
records. The researcher shall be required to maintain Privacy Act
safeguards with respect to the disclosed records.
(13) Congressional Member Disclosure. The Department may disclose
the records of an individual to a Member of Congress in response to an
inquiry from the Member made at the written request of that individual
whose records are being disclosed. The Member's right to the
information is no greater than the right of the individual who
requested the inquiry.
(14) Disclosure to OMB for Credit Reform Act (CRA) Support. The
Department may disclose records to OMB as necessary to fulfill CRA
requirements. These requirements currently include transfer of data on
lender interest benefits and special allowance payments, defaulted loan
balances, and supplemental pre-claims assistance payments information.
(15) Disclosure in the Course of Responding to a Breach of Data.
The Department may disclose records to appropriate agencies, entities,
and persons when (a) the Department suspects or has confirmed that the
security or confidentiality of information in a system covered by this
system of records notice has been compromised; (b) the Department has
determined that as a result of the suspected or confirmed compromise
there is a risk of harm to economic or property interests, identity
theft or fraud, or harm to the security or integrity of this system or
other system or programs (whether maintained by the Department or
another agency or entity) that rely upon the compromised information;
and (c) the disclosure made to such agencies, entities, and persons is
reasonably necessary to assist in connection with the Department's
efforts to respond to the suspected or confirmed compromise and
prevent, minimize, or remedy such harm.
(16) Disclosure to Third Parties through Computer Matching
Programs. Unless otherwise prohibited by other laws, any information
from this system of records, including personal information obtained
from other agencies through computer matching programs, may be
disclosed to any third party through a computer matching program, which
is conducted under a Computer Matching Agreement between the Department
and the third party, and requires that the matching be conducted in
compliance with the requirements of the Privacy Act. Purposes of these
disclosures may be: (a) To establish or verify program eligibility and
benefits, (b) to establish or verify compliance with program
regulations or statutory requirements, such as to investigate possible
fraud or abuse; and (c) to recoup payments or delinquent debts under
any Federal benefit programs, such as to locate or take legal action
against a delinquent or defaulted debtor. Appendix I to this notice
includes a listing of the computer matching programs that the
Department currently engages in or has recently engaged in with respect
to this system of records.
(17) Disclosure of Information to Treasury. The Department may
disclose records of this system to (a) a Federal or State agency, its
employees, agents (including contractors of its agents), or
contractors, or (b) a fiscal or financial agent designated by the
Treasury, including employees, agents, or contractors of such agent,
for the purpose of identifying, preventing, or recouping improper
payments to an applicant for, or recipient of, Federal funds, including
funds disbursed by a State in a State-administered, Federally funded
program; and disclosure may be made to conduct computerized comparisons
for this purpose.
DISCLOSURE TO CONSUMER REPORTING AGENCIES:
Disclosure pursuant to 5 U.S.C. 552a(b)(12): The Department may
disclose to a consumer reporting agency information regarding a valid
overdue claim of the Department; such information is limited to: (1)
The name, address, taxpayer identification number, and other
information necessary to establish the identity of the individual
responsible for the claim; (2) the amount, status, and history of the
claim; and (3) the program under which the claim arose. The Department
may disclose the information specified in this paragraph under 5 U.S.C.
552a(b)(12) and the procedures contained in 31 U.S.C. 3711(e). A
consumer reporting agency to which these disclosures may be made is
defined in 15 U.S.C. 1681a(f) and 31 U.S.C. 3701(a)(3).
POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING,
AND DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
The records are maintained in hardcopy, microfilm, magnetic
storage, and optical storage media, such as tape, disk, etc.
RETRIEVABILITY:
Records in this system pertaining to a title IV, HEA loan borrower
or grant recipient are retrieved by a single data element or a
combination of the following data elements to include the SSN, name,
address, randomly generated number, debt number, phone number, debt
type reference, debt type extension debt number, commercial name,
commercial contact name, legacy ID, driver's license number, American
Bankers Association (ABA) routing number, bankruptcy docket number,
debt placement date, debt user defined page (UDP), email address, last
worked date, payment additional extension reference ID, payment
extension reference ID, tag short name, total balance, credit bureau
legacy ID, debt type group short name, debt type short name, department
name, institution account number, judgment docket number, license-
issuing State, next scheduled payment amount, next scheduled payment
date, office name, original debt type name, PCA group short name, and
PCA short name.
SAFEGUARDS:
All physical access to the Department's site, and to the sites of
the Federal Loan Servicers, PCAs, the Federal Perkins Loan Servicer,
and other contractors listed in Appendix II to this notice, where this
system of records is maintained, is controlled and monitored by
security personnel who check each individual entering the building for
his or her employee or visitor badge.
In accordance with the Department's Administrative Communications
System Directive OM: 5-101 entitled ``Contractor Employee Personnel
Security Screenings,'' all contract and Department personnel who have
facility access and system access are required to undergo a security
clearance investigation. Individuals requiring access to Privacy Act
data are required to hold, at a minimum, a moderate-risk security
clearance level. These individuals are required to undergo periodic
screening at five-year intervals.
In addition to conducting security clearances, contract and
Department
[[Page 54693]]
employees are required to complete security awareness training on an
annual basis. Annual security awareness training is required to ensure
that contract and Department users are appropriately trained in
safeguarding Privacy Act data in accordance with OMB Circular No. A-
130, Appendix III.
The computer system employed by the Department offers a high degree
of resistance to tampering and circumvention. This security system
limits data access to Department and contract staff on a ``need-to-
know'' basis, and controls individual users' ability to access and
alter records within the system. All users of this system of records
are given a unique user identification and password. The Department's
FSA Information Security and Privacy Policy requires the enforcement of
a complex password policy. In addition to the enforcement of a complex
password policy, users are required to change their password at least
every 60 to 90 days in accordance with the Department's Information
Technology standards.
At the system locations of the Federal Loan Servicers, PCAs, the
Federal Perkins Loan Servicer, and other contractors, as listed in
Appendix II entitled ``Additional System Locations,'' additional
physical security measures are in place and access is monitored 24
hours per day, 7 days a week.
RETENTION AND DISPOSAL:
In accordance with the Department's record retention and
disposition schedule, records for Pell Grant Program awards are
retained for fifteen years after final payment or audit, whichever is
sooner, and thereafter destroyed. Insured loans are retained for three
years after repayment or cancellation of the loan and thereafter
destroyed. The Department will work with the National Archives and
Records Administration to develop a disposition schedule for the other
records in this system of records. The records will be maintained until
such a schedule has been established.
SYSTEM MANAGER AND ADDRESS:
Director, Program Management Services, Business Operations, Federal
Student Aid, U.S. Department of Education, 830 First Street NE., Room
64E1, UCP, Washington, DC 20202-5132.
NOTIFICATION PROCEDURE:
If you wish to determine whether a record exists regarding you in
this system of records, provide the system manager with your name, date
of birth, and SSN. Requests must meet the requirements of the
regulations in 34 CFR 5b.5 and 5b.7, including proof of identity.
RECORD ACCESS PROCEDURES:
If you wish to gain access to a record in this system, provide the
system manager with your name, date of birth, and SSN. Requests by an
individual for access to a record must meet the requirements of the
regulations in 34 CFR 5b.5, including proof of identity.
CONTESTING RECORD PROCEDURE:
If you wish to contest the content of a record in this system of
records, contact the system manager with your name, date of birth, and
SSN; identify the specific items to be changed; and provide a written
justification for the change. Requests to amend a record must meet the
requirements of the regulations in 34 CFR 5b.7.
RECORD SOURCE CATEGORIES:
The system includes information that the Department obtains from
applicants and those individuals and their families who received, or
who are otherwise obligated to repay, a loan or grant held and
collected by the Department. The Department also obtains information
from Federal Loan Servicers, PCAs, the Federal Perkins Loan Servicer,
references, guaranty agencies, educational and financial institutions
and their authorized representatives, and Federal, State, and local
agencies and their authorized representatives; private parties, such as
relatives and business and personal associates; present and former
employers; creditors; consumer reporting agencies; and adjudicative
bodies.
EXEMPTIONS CLAIMED FOR THE SYSTEM:
None.
APPENDIX I to 18-11-16 COMPUTER MATCHING PROGRAMS IN WHICH THE
DEPARTMENT CURRENTLY ENGAGES OR HAS RECENTLY ENGAGED WITH RESPECT TO
THIS SYSTEM:
(1) The Department is performing, or has recently engaged in,
computer matching programs involving a computerized comparison between
this system of records and systems of records maintained by the
following Federal agencies:
(a) The U.S. Department of the Treasury, IRS [matching notice last
published on May 31, 2012 (77 FR 32085-32086)], as authorized under
section 6103(m)(2) and (m)(4) of the Internal Revenue Code (26 U.S.C.
6103(m)(2) and (m)(4)), to obtain taxpayer mailing addresses for use in
locating individuals to collect or compromise Federal claims, in
accordance with 31 U.S.C. 3711, 3717, and 3718, and in locating
individuals who received overpayments of grants made under subpart 1 of
part A of title IV of the HEA or who defaulted on loans made under part
B, D, or E of title IV of the HEA;
(b) The Department of Housing and Urban Development's Credit Alert
Interactive Voice Response System (CAIVRS) [matching notice last
published on July 5, 2011 (76 FR 39119-39120)] to allow program
agencies to prescreen applicants for loans made or loans guaranteed by
the Federal government to determine if the applicant is delinquent or
has defaulted on a debt owed to, or insured by, the Federal government;
and
(c) The Department of Health and Human Services' National Directory
of New Hires Data Base (NDNH) [matching notice last published on May 9,
2006 (71 FR 26934-26935)], as authorized under Section 453(j)(6) of the
Social Security Act (42 U.S.C. 653(j)(6)), to obtain employment-related
and address information on individuals who have defaulted on a loan
made under title IV of the HEA or have an obligation to refund a grant
overpayment awarded under title IV of the HEA.
These computer matching programs are conducted in compliance with
the requirements of the Privacy Act, including publishing in the
Federal Register a notice describing the new or altered matching
program and the entry into a Computer Matching Agreement between the
Department and the Federal agencies listed above, which are approved by
the Data Integrity Boards of the Department and the Federal agency with
which the Department conducts the computer matching program.
APPENDIX II TO 18-11-16 ADDITIONAL SYSTEM LOCATIONS--THE DEPARTMENT AND
ITS CONTRACTORS:
U.S. Department of Education, 50 Beale Street, San Francisco, CA
94105.
U.S. Department of Education, 500 West Madison Street, Chicago, IL
60661.
U.S. Department of Education, 61 Forsyth Street, Atlanta, GA 30303.
Pearson Government Solutions, 3833 Greenway Drive, Lawrence, KS
66046-5441 (Department contractor--DMCS).
Pearson Government Solutions, 2400 Oakdale Boulevard, Coralville,
IA 52241 (Department contractor--DMCS).
Maximus Federal Services, Inc.: 5202 Presidents Court Frederick, MD
21703; 11400 Westmoor Circle, Westminster, CO 80021; 9651 Hornbaker
Road, Manassas, VA 20109 (Department contractor--DMCS).
HP Enterprise Services, 5th Floor, 10100 Linn Station Road,
Louisville, KY 40223 (Department contractor--DLCS).
HP Enterprise Services, 100 Capitol Commerce Center Boulevard,
[[Page 54694]]
Montgomery, AL 36117 (Department contractor--DLCS).
HP Enterprise Services, 6901 Windcrest Drive, Plano, TX 75024
(Department contractor--DLCS).
Nelnet Servicing LLC, 1001 Fort Crook Road N., Suite 132, Bellevue,
NE 68005 (Department contractor--TPD).
Xerox Corporation
Xerox Corporation, 2277 East 220th Street, Long Beach, CA 90810
(Xerox Commercial office).
Xerox Corporation, 2505 S. Finley Road, Suite 100, Lombard, IL
60148-4866 (Xerox Commercial office).
Xerox Corporation, 12410 Milestone Center Drive, Germantown, MD
20876 (Department Contractor--DMCS).
Xerox Corporation, 501 Bleecker Street, Utica, NY 13501 (Department
contractor--DMCS).
Xerox Corporation, 6201 I-30, Greenville, TX 75403 (Department
contractor--DMCS).
Xerox Corporation, 2828 N. Haskell Avenue, Building 5, 2nd Floor,
Dallas, TX 75204 (Department contractor--DMCS).
ABR Services, Inc., 3480 Catterton Place, Waldorf, MD 20602 (sub-
contractor--Fulfillment Services for DMCS mailings).
Not-For-Profit (NFP) Servicers
Missouri Higher Education Loan Authority (MOHELA): 633
Spirit Drive, Chesterfield, MO 63005; 400 East Walnut Street, Columbia,
MO 65201; 1001 N. 6th Street, Harrisburg, PA 17102; 300 Long Meadow
Road, Sterling Forest, NY 10979.
Education Servicers of America, Inc. (ESA)/Edfinancial:
298 N. Seven Oaks Drive, Knoxville, TN 37922; 120 N. Seven Oaks Drive,
Knoxville, TN 37922; 5600 United Drive, Smyrna, GA 30082; 1001 Fort
Crook Rd. N., Suite 132, Bellevue, NE 68005-4247; 700 East 54th St.
North, Suite 200, Sioux Falls, SD 57104; 13271 North Promenade Blvd.,
Stafford, TX 77477-3957; 2307 Directors Row, Indianapolis, IN 46241.
Utah Higher Education Assistance Authority (UHEAA)/
Cornerstone Education Loan Services: 60 S. 400 W., Board Of Regents'
Building, Gateway Two, Salt Lake City, UT 84101-1284; 350 S. 900 W.,
Richfield, UT 84701; 6279 East Little Cottonwood Road, Sandy, UT 84092;
1001 N. 6th Street, Harrisburg, PA 17102.
Oklahoma Student Loan Authority (OSLA): 525 Central Park
Drive, Suite 600, Oklahoma City, OK 73154; 7499 East Paradise Lane
Suite 108, Scottsdale, AZ 85260; 11300 Partnership Drive #C,
Oklahoma City, OK 73013; 1001 Fort Crook Road N., Suite 132, Bellevue,
NE 68005; 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104;
13100 North Promenade Blvd., Stafford, TX 77477; 1601 Leavenworth St.,
Omaha, NE 68102.
Vermont Student Assistance Corporation (VSAC): 10 East
Allen St., Winooski, VT 05404; 1001 Fort Crook Rd. N., Suite 132,
Bellevue, NE 68005-4247; 700 East 54th St. North, Suite 200, Sioux
Falls, SD 57104.
ISL Service Corporation/Aspire Resources Inc.: 6775 Vista
Dr., West Des Moines, IA 50266; 6955 Vista Dr., West Des Moines, IA
50266; 3096 104th St., Urbandale, IA 50322; 1870 East Euclid Avenue,
Des Moines, IA 50313; 1435 Northridge Cr. NE., Altoona, IA 50009; 1001
N. 6th Street, Harrisburg, PA 17102; 300 Long Meadow Road, Sterling
Forest, NY 10979.
New Hampshire Higher Education Loan Corporation (NHHELCO)/
Granite State Management & Resources (GSM&R): 3 and 4 Barrell Court,
Concord, NH 03301; 401 N. Broad St., Suite 600, Philadelphia, PA 19108;
21 Terry Ave., Burlington, MA 01803; 1001 Fort Crook Rd. N., Suite 132,
Bellevue, NE 68005-4247; 700 East 54th St. North, Suite 200, Sioux
Falls, SD 57104; 13100 North Promenade Boulevard, Stafford, TX 77477;
1601 Leavenworth St., Omaha, NE 68102.
South Carolina Student Loan Corporation: 16 Berryhill Rd.,
Ste. 121, Columbia, SC 29210; 401 North Broad St., Philadelphia, PA
19108; 2400 Reynolda Rd., Winston-Salem, NC 27106.
Tru Student, Inc.: 2500 Broadway, Helena, MT 59601; 680 E.
Swedesford Road, Wayne, PA 19087; 1424 National Avenue, Helena, MT
59601; 1700 National Avenue, Helena, MT 59601; 1001 N. 6th Street,
Harrisburg, PA 17102; 300 Long Meadow Road, Sterling Forest, NY 10979.
Kentucky Higher Education Student Loan Corporation
(KHESLC): 10180 Linn Station Road, Louisville, KY 40223; 2400 Reynolda
Rd., Winston-Salem NC 27106; 6825 Pine Street, Omaha, NE 68106; 1001
Fort Crook Road N., Suite 132, Bellevue, NE 68005-4247.
College Foundation, Inc.: 2917 Highwoods Boulevard,
Raleigh, NC 27604; 3120 Poplarwood Court, Raleigh, NC 27604; 924 Ellis
Road, Durham, NC 27703; 2400 Reynolda Road, Winston-Salem, NC 27106.
Council for South Texas Economic Progress (COSTEP): 2540
W. Trenton Rd., Edinburg, TX 78539; 1044 Liberty Park Drive, Austin, TX
78746; 2400 Reynolda Rd., Winston-Salem, NC 27106.
Georgia Student Finance Authority: 2082 East Exchange
Place, Tucker, Georgia 30084; 401 North Broad Street, Philadelphia, PA
19130; 5600 United Drive, Smyrna, GA 30082; 2400 Reynolda Road,
Winston-Salem, NC 27106.
New Mexico Educational Assistance Foundation: 7400 Tiburon
NE., Albuquerque, NM 87109; 123 Central Ave NW., Albuquerque, NM 87102;
1200 North Seventh Street, Harrisburg, PA 17102-1444; 300 Long Meadow
Lane, Sterling Forest, NY 10979.
Connecticut (Campus Partners): 2400 Reynolda Road,
Winston-Salem, NC 27106; 8906 Two Notch Road, Columbia, SC 29223; 10180
Linn Station Road, Suite C200, Louisville, KY 40223; 2917 Highwoods
Blvd., Raleigh, NC 27629; 1001 Fort Crook Road North, Suite 132,
Bellevue, NE 68005; 11425 South 84th Street, Papillion, NE 68046; 20441
Century Blvd., Germantown, MD 20874; 400 Perimeter Park Drive,
Morrisville, NC 27560; 1600 Malone Street, Millville, NJ 08332; 123
Wyoming Avenue, Scranton, PA 18503.
Private Collection Agencies (PCAs)
Collecto, Inc. Dba EOS CCA: 700 Longwater Drive, Norwell,
MA 02061.
GC Services: 4326 N. Broadway Northgate Plaza, Knoxville,
TN 37917.
Allied Interstate: 335 Madison Avenue, 27th floor, New
York, NY 10017.
The CBE Group, Inc.: 1309 Technology Parkway, Cedar Falls,
IA 50613.
Diversified Collection Service (DCS): 333 North Canyons
Parkway, Suite 100, Livermore, California 94551.
Financial Asset Management Systems, Inc. (FAMS): 1967
Lakeside Parkway, Suite 402, Tucker, GA 30084.
NCO Financial Systems, Inc.: 507 Prudential Road, Horsham,
PA 19044.
Pioneer Credit Recovery, Inc.: 26 Edward Street, Arcade,
NY 14009.
Account Control Technology, Inc.: 6918 Owensmouth Avenue,
Canoga Park, CA 91303.
Van Ru Credit Corporation: 1350 E. Touhy Avenue, Suite
300E, Des Plaines, IL 60018.
Progressive Financial Services: 1510 Chester Pike Suite
250, Eddystone, PA 19022.
West Asset Management Enterprises, Inc.: 2221 New Market
Parkway, Suite 120, Marietta, GA 30067.
Premiere Credit of North America: 2002 Wellesley
Boulevard, Suite 100, Indianapolis, IN 46219.
ConServe: 200 CrossKeys Office Park, Fairport, NY 14450.
[[Page 54695]]
Financial Management Systems (FMS): 1000 E. Woodfield
Road, Suite 102, Schaumburg, IL 60173-4728.
Collection Technology, Inc.: 1200 Corporate Center Drive,
Suite 325, Monterey Park, CA 91754.
Enterprise Recovery Systems, Inc. (ERS): 2400 S. Wolf
Road, Suite 200, Westchester, IL 60154.
Windham Professionals, Inc.: 380 Main Street, Salem, NH
03079.
Delta Management Associates, Inc.: 100 Everett Avenue
Suite 6, Chelsea, MA 02150.
Immediate Credit Recovery, Inc.: 169 Myers Corners Road
Suite 110, Wappingers Falls, NY 12590.
National Recoveries: 14735 Hwy. 65, Ham Lake, MN 55403.
Coast Professional, Inc.: 214 Expo Circle, West Monroe, LA
71292.
[FR Doc. 2014-21792 Filed 9-11-14; 8:45 am]
BILLING CODE 4000-01-P