[Federal Register Volume 87, Number 176 (Tuesday, September 13, 2022)]
[Notices]
[Pages 56003-56015]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2022-19887]


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DEPARTMENT OF EDUCATION

[Docket ID ED-2022-FSA-0056]


Privacy Act of 1974; System of Records

AGENCY: Federal Student Aid, U.S. Department of Education.

ACTION: Notice of a modified system of records.

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SUMMARY: In accordance with the Privacy Act of 1974, as amended 
(Privacy Act), the U.S. Department of Education (Department) publishes 
this notice of a modified system of records entitled ``Common Services 
for Borrowers (CSB)'' (18-11-16). The information contained in this 
system is maintained for various purposes relating to aid applicants 
and recipients, cosigners, and endorsers. These include: determining 
program benefit eligibility; originating, disbursing, servicing, 
collecting, assigning, adjusting, transferring, referring, discharge, 
and furnishing of credit information for title IV, Higher Education Act 
of 1965, as amended (HEA), obligations; enforcing conditions or terms 
of title IV, HEA obligations; and ensuring program and

[[Page 56004]]

contractual requirements are met by education and financial 
institutions, guaranty agencies, and Department contractors including 
Federal Loan Servicers, Not-for-Profit (NFP) Federal Loan Servicers, 
the Federal Perkins Loan Servicer, and Private Collection Agencies 
(PCAs).

DATES: Submit your comments on this modified system of records notice 
on or before October 13, 2022. This modified system of records notice 
will become applicable upon publication in the Federal Register on 
September 13, 2022, except for the new and modified routine uses 1(a), 
(d), (e), (f), (g), (h), (i), (k), (l), (m), (n), (o), (q), (5)(b), 
(11), (12), (13), (14), (15), (16), (17) and (18) that are outlined in 
the section entitled ``ROUTINE USES OF RECORDS MAINTAINED IN THE 
SYSTEM, INCLUDING CATEGORIES OF USERS AND PURPOSES OF SUCH USES,'' 
which will be effective on October 13, 2022, unless they need to be 
changed as a result of public comment. The Department will publish any 
changes to the modified system of records notice resulting from public 
comment.

ADDRESSES: Comments must be submitted via the Federal eRulemaking 
Portal at regulations.gov. However, if you require an accommodation or 
cannot otherwise submit your comments via regulations.gov, please 
contact the program contact person listed under FOR FURTHER INFORMATION 
CONTACT. The Department will not accept comments submitted by fax or by 
email, or comments submitted after the comment period closes. To ensure 
that the Department does not receive duplicate copies, please submit 
your comments only once. In addition, please include the Docket ID at 
the top of your comments.
     Federal eRulemaking Portal: Go to www.regulations.gov to 
submit your comments electronically. Information on using 
Regulations.gov, including instructions for accessing agency documents, 
submitting comments, and viewing the docket, is available on the site 
under the ``help'' tab.

    Privacy Note: The Department's policy is to make all comments 
received from members of the public available for public viewing in 
their entirety on the Federal eRulemaking Portal at 
www.regulations.gov. Therefore, commenters should be careful to 
include in their comments only information that they wish to make 
publicly available.

    Assistance to Individuals With Disabilities in Reviewing the 
Rulemaking Record: On request, we will provide 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: Mark LaVia, Executive Director, 
Servicing, Student Experience and Aid Delivery, Federal Student Aid, 
U.S. Department of Education, 1300 Market St., 5th floor, Philadelphia, 
PA 19107. Email: [email protected]. Telephone: 202-805-4376.
    If you are deaf, hard of hearing, or have a speech disability and 
wish to access telecommunications relay services, please dial 7-1-1.

SUPPLEMENTARY INFORMATION:

Introduction

    The ``Common Services for Borrowers (18-11-16)'' system of records 
notice was most recently amended and published in full on September 2, 
2016 (81 FR 60683).
    The Department is modifying the section entitled ``SYSTEM 
LOCATION'' as follows:
    (i) For the Department, adding the System Manager located in 
Philadelphia, PA; deleting the Washington, DC, location; and adding the 
Department's regional offices in San Francisco, CA, Chicago, IL, and 
Atlanta, GA, which were previously set forth in the now deleted 
Appendix II;
    (ii) For Maximus Federal Services, Inc., deleting the Manassas, VA, 
location; adding the Frederick, MD, Greenville, TX, and Jacksonville, 
FL, locations which were previously set forth in Appendix II; adding 
Seattle, WA, Upper Marlboro, MD, and Brownsville, TX, locations; and 
deleting locations previously set forth in Appendix II at Reston, VA 
(Department contractor--Help Desk Application), Westminster, CO 
(Department contractor--Debt Management Collection System (DMCS) 
Disaster Recovery Site), Utica, NY (Department contractor--DMCS 
Business and Financial Operations Management), Waldorf, MD (Department 
subcontractor--Fulfillment Services), and Coralville, IA and 
Jacksonville, FL (Department contractor--Call Centers);
    (iii) For Nelnet Servicing, LLC, adding locations at Sioux Falls, 
SD, North Mankato, MN, Grove City, OH, West Sacramento, CA, Lincoln, 
NE, Omaha, NE, and North Monroe, NC; and deleting the location 
previously set forth at Jacksonville, FL;
    (iv) For Great Lakes Educational Loan Services, Inc. (GLCS) adding 
Bellevue, NE, Sioux Falls, SD, Eau Claire, WI, Eagan, MN, Plano, TX, 
Boscobel, WI, and Stevens Point, WI locations; and updating the address 
of the Madison, WI, location;
    (v) Adding Aidvantage, with locations in Chandler, AZ, Omaha, NE, 
West Sacramento, CA, Monroe, NC, Wilkes-Barre, PA, Fishers, IN, and 
Muncie, IN;
    (vi) For Pennsylvania Higher Education Assistance Agency (PHEAA), 
adding locations at Boyers, PA, Jacksonville, FL, Brownsville, TX, 
Tampa, FL, San Angelo, TX, and Sterling Forest, NY; and deleting the 
duplicative reference to the Harrisburg, PA, location, which was 
previously set forth in Appendix II;
    (vii) For the Missouri Higher Education Loan Authority (MOHELA), 
adding the Chesterfield, MO, and Sterling Forest, NY, locations, which 
were previously set forth in Appendix II; adding, and updating the 
address of, the Columbia, MO, location, which was previously set forth 
in Appendix II; adding Boyers, PA, and Washington DC, locations; and 
deleting the location at Harrisburg, PA, which was previously set forth 
in Appendix II;
    (viii) For the Oklahoma Student Loan Authority (NFPOSLA), adding 
the Scottsdale, AZ, Bellevue, NE, and Sioux Falls, SD, locations, which 
were previously set forth in Appendix II; adding, and updating the 
address of, one of the Oklahoma City, OK, locations (namely, 525 
Central Park Drive, instead of 11300 Partnership Drive), which was 
previously set forth in Appendix II; and deleting the locations at 
Stafford, TX, Omaha, NE, and one of the Oklahoma City, OK, locations 
(namely, 11300 Partnership Drive), which were previously set forth in 
Appendix II;
    (ix) Adding the North Texas Higher Education Servicing Corporation 
(NFPHESC--EdFinancial), with locations in North Bellevue, NE, Sioux 
Falls, SD, Stafford, TX, and Knoxville, TN;
    (x) For Educational Computer Systems, Inc (ECSI), deleting the 
reference to Coraopolis, PA; and adding Atlanta, GA, Warrendale, PA, 
Moon Township, PA, and Winston-Salem, NC, locations;
    (xi) Deleting Navient Corporation in Fishers, IN;
    (xii) Adding Action Financial Services located in Medford, OR;
    (xiii) Adding Bass & Associates, P.C. located in Tucson, AZ;
    (xiv) Adding Central Research, Inc. (CRI) located in Lowell, AR;
    (xv) For Coast Professional, Inc., adding a location in Geneseo, 
NY, and deleting the location in West Monroe,

[[Page 56005]]

LA, which was previously set forth in Appendix II;
    (xvi) Adding Credit Adjustments, Inc. (CAI) located in Defiance, 
OH;
    (xvii) Adding F.H. Cann & Associates, Inc. located in North 
Andover, MA;
    (xviii) For Immediate Credit Recovery (ICR) adding a location in 
Poughkeepsie, NY; and deleting the location in Wappingers Falls, NY, 
which was previously set forth in Appendix II;
    (xix) Adding National Credit Services located in Bothell, WA;
    (xx) For National Recoveries, Inc., adding the location in Ham 
Lake, MN, which was previously set forth in Appendix II;
    (xxi) Adding Professional Bureau of Collections of Maryland, Inc. 
located in Greenwood Village, CO;
    (xxii) Adding Reliant Capital Solutions located in Gahanna, OH;
    (xxiii) Deleting the business description of the Department's work 
with Federal Loan Servicers because it is not required and is covered 
under the purposes of the system of records; and
    (xxiv) Deleting the discussion of Appendix II, which is being 
deleted, in its entirety, from this modified system of records notice.
    The Department is modifying the section entitled ``SYSTEM 
MANAGER(S)'' by updating the System Manager's title and address.
    The Department is modifying the section entitled ``AUTHORITY FOR 
MAINTENANCE OF THE SYSTEM'' to add ``the Higher Education Relief 
Opportunities for Students Act of 2003 (20 U.S.C. 1098bb) (including 
any waivers or modifications that the Secretary of Education deems 
necessary to make to any statutory or regulatory provision applicable 
to the student financial assistance programs under title IV of the HEA 
to achieve specific purposes listed in the section in connection with a 
war, other military operation, or a national emergency).''
    The Department is modifying the section entitled ``PURPOSE(S) OF 
THE SYSTEM'' as follows:
    (i) The purpose of the system has been modified to include a note 
detailing that ``[d]ifferent parts of the HEA use the terms 
`discharge', `cancellation' or `forgiveness' to describe when a 
borrower's loan amount is reduced in whole or in part by the 
Department. To reduce complexity, this system of records notice uses 
the term `discharge' to include all three terms (`discharge,' 
`cancellation,' and `forgiveness'), including but not limited to 
discharges of student loans made pursuant to specific benefit programs. 
At times, this system of records notice may refer by name to a specific 
benefit program, such as the `Public Service Loan Forgiveness' program; 
such specific references are not intended to exclude any such program 
benefits from more general references to loan discharges;''
    (ii) Purpose (4) was modified to delete and replace ``loan or 
grant'' with ``title IV, HEA obligation;''
    (iii) Purpose (5) was modified to delete and replace ``make'' with 
``originate'' and to add ``disburse,'' ``furnish credit information 
for,''and ``discharge a title IV, HEA obligation'' in order to more 
accurately reflect the appropriate terminology;
    (iv) Purpose (6) was modified to delete that a purpose of the 
system is ``to counsel a debtor in repayment efforts'' and to instead 
clarify that a purpose of the system is to provide customers with 
information to help them make informed decisions on repayment options, 
including forbearance, deferment, and recurring debit options, based on 
their unique situations;
    (v) Purpose (7) was modified to add verifying compliance with 
contract requirements;
    (vi) Purpose (8) was modified to remove the word ``borrower'' and 
to delete and replace ``a loan or grant'' with ``a title IV, HEA 
obligation'' in order to more accurately reflect the appropriate 
terminology;
    (vii) Purpose (9) was modified to indicate that a purpose of the 
system is to litigate a title IV, HEA obligation, or to prepare for, 
provide support services for, or audit the results of litigation on a 
title IV, HEA obligation;
    (viii) Purpose (11) was modified to specify that a purpose of the 
system is to verify that, in addition to program requirements, Federal, 
State, local, or Tribal statutory and regulatory requirements are also 
met by the listed entities (i.e., educational and financial 
institutions, guaranty agencies, Department contractors including 
Federal Loan Servicers, NFP Federal Loan Services the Federal Perkins 
Loan Servicer, and PCAs);
    (ix) Purpose (12) was modified to delete and replace ``debt'' with 
``title IV, HEA obligation;''
    (x) Purpose (13) was modified to delete and replace ``debt'' with 
``title IV, HEA obligation'' and to delete and replace ``credit-
reporting agency'' with ``consumer reporting agency;''
    (xi) Purpose (14) was modified to specify that a purpose of the CSB 
system is to investigate, respond to, or resolve complaints submitted 
to the Department or to other Federal, State, local, or Tribal agencies 
regarding an aid applicant's or recipient's title IV, HEA program 
eligibility, the disbursement or servicing of a title IV, HEA 
obligation, or the practices or processes of the Department and/or the 
Department's contractors; and to delete ``update information, or 
correct errors contained in Department records'' because this was moved 
to new purpose (19);
    (xii) Purpose (15) was modified to reflect credit balances are 
refunded by the U.S. Department of the Treasury(Treasury) to the 
individual or loan holder;
    (xiii) Purpose (16) was modified to delete and replace ``loans and 
grants made under title IV of the HEA'' with ``title IV, HEA 
obligations'' and to add ``NFP Federal Loan Servicers;''
    (xiv) New purpose (18) was added to support research, analysis, and 
development of educational policies in relation to title IV, HEA 
student aid programs;
    (xv) New purpose (19) was added to support Federal budget analysts 
in the Department, the Office of Management and Budget (OMB), and the 
Congressional Budget Office (CBO) in the development of budget needs 
and forecasts;
    (xvi) New purpose (20) was added to help governmental entities at 
the Federal, State, Tribal, and local levels exercise their supervisory 
and administrative powers (including, but not limited to licensure, 
examination, discipline, regulation, or oversight of educational 
institutions, Department contractors, guaranty agencies, eligible 
lenders, and third-party servicers); to investigate, respond to, or 
resolve complaints regarding the practices or processes of the 
Department and/or the Department's contractors; and to update 
information or correct errors contained in Department records;
    (xvii) New purpose (21) was added to ensure that only authorized 
users access aid applicants' or recipients' records, to maintain a 
history of each instance in which the aid applicant's or recipient's 
records are viewed or updated, and to assist the Department in 
responding to a suspected or confirmed breach of this system or in 
preventing, minimizing, or remedying harm when the Department suspects 
or confirms that this system has been breached or when the Department 
determines that information from this system of records is reasonably 
necessary to assist another agency or entity in responding to a 
suspected or confirmed breach or in preventing, minimizing, or 
remedying the risk of harm resulting from a suspected or confirmed 
breach;
    (xviii) New purpose (22) was added to support the Department in 
detecting, preventing, mitigating, and recouping

[[Page 56006]]

improper payments in title IV, HEA programs; and
    (xix) New purpose (23) was added to allow the Department to conduct 
testing, analysis, or take other administrative actions needed to 
prepare for or execute programs under title IV of the HEA.
    The Department is modifying the section entitled ``CATEGORIES OF 
INDIVIDUALS COVERED BY THE SYSTEM'' as follows:
    (i) The introductory paragraph was updated to delete and replace 
the phrase ``are otherwise obligated to repay a loan or grant made 
under title IV of the Higher Education Act of 1965, as amended (HEA)'' 
with ``otherwise owe a title IV, HEA obligation,'' and to delete and 
replace ``held and collected by the Department'' with ``held, 
originated, serviced, disbursed, adjusted, collected, or discharged by 
the Department;''
    (ii) Category (12), the Civil Legal Assistance Attorney Student 
Loan Repayment Program (CLAARP), was deleted because CLAARP is a 
repayment benefit and is not being funded;
    (iii) Category (13), the Public Service Loan Forgiveness (PSLF) 
Program, was deleted because PSLF is a repayment benefit similar to 
other discharge programs and is therefore already covered in this 
notice; and
    (iv) The final paragraph was modified to delete and replace ``or as 
household members'' with ``co-signers, endorsers, or a spouse,'' to 
delete and replace ``Federal title IV, HEA loan or grant'' with 
``Federal title IV, HEA program funds,'' and to delete and replace 
``the grant or loan'' with ``a title IV, HEA obligation.''
    The Department is modifying the section entitled ``CATEGORIES OF 
RECORDS IN THE SYSTEM'' as follows:
    (i) The introductory paragraph was updated to read ``The 
Information Technology (IT) systems of the Department used to carry out 
activities with regard to title IV, HEA obligations held, originated, 
serviced, disbursed, collected, or discharged by the Department: DMCS, 
IT systems operated by the Federal Loan Servicers and NFP Federal Loan 
Servicers to accomplish the purpose(s) of this system of records, IT 
systems operated by the Federal Perkins Loan Program Servicer to 
accomplish the purpose(s) of this system of records, and IT systems 
operated by the PCAs to accomplish the purpose(s) of this system of 
records;'' to clarify the system of records also includes paper records 
received from guaranty agencies for appeals by title IV, HEA loan 
borrowers of guaranty agency decisions; to update ``making and 
servicing loans, including collecting or otherwise resolving 
obligations owed by an individual under title IV of the HEA'' with 
``title IV, HEA obligations held, originated, serviced, disbursed, 
collected, discharged, by the Department;'' to remove the CLAARP system 
and PSLF system from the list of systems covered by this system of 
records notice because these are repayment benefits, not systems; to 
add IT systems operated by Not-For-Profit (NFP) Federal Loan Servicers 
to the list of systems covered by this modified system of records 
notice; and to remove the Total and Permanent Disability (TPD) system 
from the list of systems covered by this system of records notice 
because this is a discharge benefit;
    (ii) The second paragraph was updated to delete and replace 
``individuals'' with ``aid applicant or recipient'' and to delete and 
replace ``obligated on the debt'' with ``indebted on a title IV, HEA 
obligation;''
    (iii) The second paragraph was updated to include ``Borrower 
Defense (including but not limited to, case decisions, principal and 
interest discharged, amount refunded, and borrower defense 
notifications)'' as an example of records related to discharge of title 
IV, HEA obligation;
    (iv) The second paragraph was also updated to include the 
maintenance of records related to PSLF (including, but not limited to, 
employment records) and Borrower Defense (including but not limited to, 
case decisions, principal and interest discharged, amount refunded, and 
borrower defense notifications) as they relate to discharge.in the 
listing of grounds for discharge;
    (v) Finally, the second paragraph was updated to include loan 
discharge eligibility information and associated discharge eligibility 
consent information submitted by the recipient;
    (vi) The third paragraph was modified to delete and replace ``for 
all debts'' with ``for all title IV, HEA obligations'' and to delete 
and replace ``individuals obligated on the debt'' with ``the individual 
who owes a title IV, HEA obligation;'' and
    (vii) A new fourth paragraph was added to include information 
obtained from matching programs or other information exchanges with 
other Federal and State agencies, and other entities, to assist in 
identifying individuals who may be eligible for benefits related to 
their title IV, HEA obligations, including, but not limited to, TPD 
discharges, loan deferments, interest rate reductions, PSLF, and other 
Federal and State loan repayment or discharge benefits or for the 
purpose of recouping payments on delinquent title IV, HEA obligations 
under title IV, HEA programs.
    The Department is modifying the section entitled ``RECORD SOURCE 
CATEGORIES'' to include cosigners, endorsers, current or prior FFEL 
loan holders or servicers and ``NFP Federal Loan Servicers'' and Tribal 
to the list of individuals and entities from whom or from which the 
Department obtains information; and to add a statement that information 
in this system may be obtained from other persons or entities from whom 
or from which data is obtained under the listed routine uses.
    The Department is modifying the section entitled ``ROUTINE USES OF 
RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND 
PURPOSES OF SUCH USES'' as follows:
    (i) The first paragraph was modified to delete the discussion of 
``return information'' that the Department obtained from the Internal 
Revenue Service because the Department no longer obtains this 
information and to delete the reference to Appendix I, which is 
separately being deleted, in its entirety, from this modified system of 
records notice;
    (ii) Routine use (1)(a) was modified to delete and replace ``the 
loan or grant'' with ``title IV, HEA program funds;'' to add Tribal 
agencies and their authorized representatives to the list of agencies 
to which disclosures can be made; and to delete and replace ``repay the 
debt'' with ``repay the title IV, HEA obligation;''
    (iii) Routine use (1)(d) was modified to delete and replace ``the 
loan or grant'' with ``a title IV, HEA obligation,'' and to permit 
disclosures to be made to the individual whom the records identify as 
the party obligated to repay the title IV, HEA obligation for the 
purpose of enforcing the conditions or terms of a title IV, HEA 
obligation;
    (iv) Routine use (1)(e) was modified to delete and replace 
``making'' with ``originating, disbursing'' to better clarify the 
process and responsibilities; to delete and replace ``a loan or 
collecting a grant obligation'' with ``title IV, HEA obligations;'' to 
delete and replace the references to ``the debt'' with ``the title IV, 
HEA obligation;'' to delete and replace ``make'' with ``originated'' to 
better clarify the process of guaranty agencies, educational 
institutions, or financial institutions; and to add disbursing, 
furnishing of credit information, and discharging the title IV, HEA 
obligation to the list of purposes for which the Department may 
disclose records pursuant to the routine use;

[[Page 56007]]

    (v) Routine use (1)(f) was modified to delete and replace ``[t]o 
counsel a debtor in repayment efforts'' with ``[t]o provide customers 
with information to help them make informed decisions on repayment 
options, including deferment, forbearance, and recurring auto debit, 
based on their unique situations'' to clarify the purpose of 
disclosures under the routine use;
    (vi) Routine use (1)(g) was modified to add disclosures to verify 
compliance with contractual requirements, to delete and replace 
verifying compliance with program regulations with verifying compliance 
with Federal, State, local, or Tribal statutory, regulatory, or program 
requirements, and to add third-party servicers and their authorized 
representatives and Tribal agencies and their authorized 
representatives to the list of entities and individuals to which or to 
whom disclosures may be made under this routine use;
    (vii) Routine use (1)(h) was modified to delete and replace ``an 
individual obligated to repay a loan or grant'' with ``an individual 
who owes a title IV, HEA obligation;''
    (viii) Routine use (1)(i) was modified to permit disclosures to 
FFEL loan holders and servicers, Department contractors including but 
not limited to, Federal Loan Servicers, NFP Federal Loan Servicers, the 
Federal Perkins Servicer, and PCAs, to delete and replace ``debt'' with 
``title IV, HEA obligation;'' and to add Tribal agencies and their 
representatives to the list of entities to which or to whom disclosures 
may be made under this routine use;
    (ix) Routine use (1)(k) was modified to add Tribal agencies and 
their authorized representatives, and NFP Federal Loan Servicers to the 
list of entities to which disclosures may be made to verify that HEA 
program requirements are met, and to provide greater clarity by moving 
the placement of accrediting agencies in the listing of entities to 
which disclosures may be made to verify that HEA program requirements 
are met;
    (x) Routine use (1)(l) was modified to delete and replace ``debt'' 
with ``title IV, HEA obligation;''
    (xi) Routine use (1)(m) was modified to delete and replace ``debt'' 
with ``title IV, HEA obligation'' and to delete and replace ``credit 
reporting agency'' with ``consumer reporting agency;''
    (xii) Routine use (1)(n) was modified to permit the Department to 
make disclosures to investigate, respond to, and resolve complaints 
submitted to the Department or to other Federal, State, local, or 
Tribal agencies regarding an aid applicant's or recipient's title IV, 
HEA program eligibility, the disbursement or servicing of a title IV, 
HEA obligation, or the practices or processes of the Department and/or 
the Department's contractors, and to add Tribal agencies and their 
authorized representatives to the list of agencies to which disclosures 
can be made. Routine use (1)(n) was also modified to delete and replace 
``credit reporting agency'' with ``consumer reporting agency;''
    (xiii) Routine use (1)(o) was modified to clarify that the 
Department provides an individual's credit balance information to 
Treasury for distribution;
    (xiv) Routine use (1) (p) was modified to delete and replace 
``loans and grants made under title IV of the HEA'' with ``title IV, 
HEA obligations;'' and to add NFP Federal Loan Servicers;
    (xv) Newly renumbered routine use (1)(q) was modified to read: ``To 
help Federal, State, Tribal, and local governmental entities exercise 
their supervisory and administrative powers (including, but not limited 
to, licensure, examination, discipline, regulation, or oversight of 
educational institutions, Department contractors, guaranty agencies, 
eligible lenders, and third-party servicers) or to investigate, respond 
to, or resolve complaints submitted regarding the practices or 
processes of the Department and/or the Department's contractors, the 
Department may disclose records to governmental entities at the 
Federal, State, Tribal, and local levels. These records may include all 
aspects of records relating to title IV, HEA obligations to permit 
these governmental entities to verify compliance with debt collection, 
consumer protection, financial, and other applicable statutory, 
regulatory, or local requirements. Before making a disclosure to these 
Federal, State, local, or Tribal governmental entities, the Department 
will require them to maintain safeguards consistent with the Privacy 
Act to protect the security and confidentiality of the disclosed 
records;''
    (xvi) Routine use (3) was deleted;
    (xvii) Routine use (5)(b) was updated to add public agencies' 
agents and contractors and Department contractors to, and remove 
foreign agencies from, the entities to which the Department may 
disclose records from this system in connection with certain 
employment, benefit, and contracting matters;
    (xviii) Newly renumbered routine use (11) was modified to include 
the requirement that the researcher must ``agree to establish and 
maintain safeguards to protect the security and confidentiality of the 
disclosed records'' as part of the disclosure of the records from this 
system of records;
    (xix) Newly renumbered routine use (12) was updated to add that a 
Congressional Member's written request for a record must be made not 
only at the written request of, but also on behalf of, an individual 
constituent whose records are being disclosed; and to delete the phrase 
``whose records are being disclosed;''
    (xx) Newly renumbered routine use (13) was modified to include 
disclosures to the Congressional Budget Office (CBO) and to read: ``The 
Department may disclose records to OMB or the CBO as necessary to 
fulfill CRA requirements in accordance with 2 U.S.C. 661b;''
    (xxi) Newly renumbered routine use (14) was modified to delete and 
replace the reference in item (a) to ``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'' 
with ``the Department suspects or has confirmed that there has been a 
breach of the system of records;'' to delete and replace the reference 
in item (b) to ``compromise'' with ``breach'' and the reference in item 
(b) 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'' with 
``individuals, the Department (including its information systems, 
programs, and operations), the Federal government, or national 
security;'' and to delete and replace the reference in item (c) to 
``compromise'' with ``breach;''
    (xxii) New routine use (15) was added to allow the Department to 
disclose records from this system to another Federal agency or Federal 
entity when the Department determines that information from this system 
of records is reasonably necessary to assist the recipient agency or 
entity in responding to a suspected or confirmed breach, or preventing, 
minimizing, or remedying the risk of harm to individuals, the recipient 
agency or entity (including its information systems, programs, and 
operations), the Federal Government, or national security, resulting 
from a suspected or confirmed breach;
    (xxiii) Routine use (16) was modified to delete the word 
``computer'' before the term ``matching programs,'' and to delete the 
reference to Appendix I, which is being separately deleted, in its 
entirety, from this modified system of records notice;
    (xxiv) Routine use (17) was modified to delete the last sentence 
stating ``disclosure may be made to conduct

[[Page 56008]]

computerized comparisons for this purpose;'' and
    (xxv) New routine use (18) was added to allow the Department to 
disclose records from this system to the National Archives and Records 
Administration (NARA) for the purpose of records management inspections 
conducted under authority of 44 U.S.C. 2904 and 2906.
    The Department is modifying the section entitled ``POLICIES AND 
PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS'' to indicate that 
records are retained and disposed of in accordance with ED Records 
Schedule 075: FSA Loan Servicing, Consolidation, and Collections 
Records (N1-441-09-016) (ED 075); the Department has proposed 
amendments to ED 075 for NARA's consideration; and the Department will 
continue to preserve all records covered by ED 075 until the amendments 
are approved.
    The Department is modifying the section entitled ``ADMINISTRATIVE, 
TECHNICAL, AND PHYSICAL SAFEGUARDS'' as follows:
    (i) In the first paragraph, the Department removed the reference to 
Appendix II, which is being separately deleted, in its entirety, from 
this modified system of records notice;
    (ii) In the second paragraph, the Department updated the reference 
to its Administrative Communications Directive and clarified that its 
requirements to undergo a security clearance investigation apply to 
contract personnel who have facility access and system access;
    (iii) In the third paragraph, the Department removed the reference 
to OMB Circular No. A-130, Appendix III, because OMB Circular No. A-130 
no longer contains an Appendix III;
    (iv) In the fourth paragraph, the Department deleted and replaced 
``FSA Information Security and Privacy Policy'' with ``Standard PR.AC: 
Password Parameters Policy;''
    (v) The Department included, in new fifth and sixth paragraphs, 
information on requirements under the Federal Information Security 
Management Act of 2002 (FISMA), as amended by the Federal Information 
Security Modernization Act of 2014, to clarify that the Department 
system must receive a signed Authorization to Operate (ATO) and to 
provide a more detailed explanation of controls; and
    (vi) In the final paragraph, the Department is updating the 
reference to additional system locations given that Appendix II is 
being separately deleted, in its entirety, from this system of records 
notice; and deleting the reference to ``additional physical security 
measures'' being in place.
    The Department is removing APPENDIX I entitled ``COMPUTER MATCHING 
PROGRAMS IN WHICH THE DEPARTMENT CURRENTLY ENGAGES OR HAS RECENTLY 
ENGAGED WITH RESPECT TO THIS SYSTEM'' because the information that the 
Department receives from matching programs has been generally described 
in the section of the notice entitled ``CATEGORIES OF RECORDS'' and a 
separate appendix is not required by the Privacy Act or OMB and is not 
included in the Department's other systems of records notices.
    The Department is removing APPENDIX II entitled ``ADDITIONAL SYSTEM 
LOCATIONS.'' As part of removing Appendix II, the Department has made 
the following modifications:
    (i) From the subsection entitled ``The Department and its 
Contractors,'' the Department's locations have been moved to the 
``SYSTEM LOCATION'' section, as described in greater detail in the 
above discussion of modifications thereto; and the PHEAA and Nelnet 
Servicing LLC locations have been deleted, as they were already, and 
continued to be, set forth in the ``SYSTEM LOCATION'' section;
    (ii) From the subsection entitled ``Maximus Federal Services, 
Inc.,'' the Reston, VA, Westminster, CO, Waldorf, MD, Coralville, IA, 
Jacksonville, FL, and Utica, NY, locations have been deleted, and the 
remaining Maximus locations have been moved to the ``SYSTEM LOCATION'' 
section, as described in greater detail in the above discussion of 
modifications thereto;
    (iii) From the subsection entitled ``Not-For-Profit (NFP) 
Servicers:'' (a) for MOHELA, the Chesterfield, MO, and Sterling Forest, 
NY, locations have been moved to, and the Columbia, MO, location has 
been moved to, and its address updated in, the ``SYSTEM LOCATION'' 
section; and the Harrisburg, PA, location has been deleted; (b) for 
NFPOSLA, the Scottsdale, AZ, Bellevue, NE, and Sioux Falls, SD, 
locations have been moved to, and one of its Oklahoma City, OK, 
locations (namely, 525 Central Park Drive) has been moved to, and its 
address updated in, the ``SYSTEM LOCATION'' section, and the locations 
at Stafford, TX, and Omaha, NE, and one of the Oklahoma City, OK, 
locations (namely, 11300 Partnership Drive) has been deleted; and (c) 
the following NFP Federal Loan Servicers have been deleted because they 
no longer service loans for the Department: Education Servicers of 
America, Inc. (ESA)/Edfinancial; Utah Higher Education Assistance 
Authority (UHEAA)/Cornerstone Education Loan Services, Vermont Student 
Assistance Corporation (VSAC), ISL Service Corporation/Aspire Resources 
Inc., New Hampshire Higher Education Loan Corporation (NHHELCO)/Granite 
State Management & Resources (GSM&R), South Carolina Student Loan 
Corporation, Tru Student, Inc., Kentucky Higher Education Student Loan 
Corporation (KHESLC), College Foundation, Inc., Council for South Texas 
Economic Progress (COSTEP), Georgia Student Finance Authority, New 
Mexico Educational Assistance Foundation, and Connecticut (Campus 
Partners); and
    (iv) From the subsection entitled ``Private Collection Agencies 
(PCAs),'' Immediate Credit Recovery (ICR) and Coast Professional have 
been moved to the ``SYSTEM LOCATION'' section with updated addresses in 
Poughkeepsie, NY, and Geneseo, NY, respectively; the Nation Recoveries' 
Ham Lake, MN, location has been moved to the ``SYSTEM LOCATION'' 
section; and the following PCAs have been deleted because they no 
longer contract with the Department: Collecto, Inc., GC Services, 
Allied Interstate, The CBE Group, Inc., Diversified Collection Service, 
Financial Asset Management Systems, Inc., NCO Financial Systems, Inc., 
Pioneer Credit Recovery, Inc., Account Control Technology, Inc., Van Ru 
Credit Corporation, Progressive Financial Services, West Asset 
Management Enterprises, Inc., Premiere Credit of North America, 
ConServe, Financial Management Systems, Collection Technology, Inc., 
Enterprise Recovery Systems, Inc., Windham Professionals, Inc., and 
Delta Management Associates, Inc.
    Accessible Format: On request to the program contact person listed 
under FOR FURTHER INFORMATION CONTACT, individuals with disabilities 
can obtain this document in an accessible format. The Department will 
provide the requestor with an accessible format that may include Rich 
Text Format (RTF) or text format (txt), a thumb drive, an MP3 file, 
braille, large print, audiotape, or compact disc, or other accessible 
format.
    Electronic Access to This Document: The official version of this 
document is the document published in the Federal Register. You may 
access the official edition of the Federal Register and the Code of 
Federal Regulations at www.govinfo.gov. 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 Portable Document Format (PDF). To 
use PDF you must have

[[Page 56009]]

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.

Richard Cordray,
Chief Operating Officer, Federal Student Aid.

    For the reasons discussed in the preamble, the Chief Operating 
Officer, Federal Student Aid (FSA), U.S. Department of Education 
(Department), publishes a notice of a modified system of records to 
read as follows:

SYSTEM NAME AND NUMBER:
    Common Services for Borrowers (CSB) (18-11-16).

SECURITY CLASSIFICATION:
    Unclassified.

SYSTEM LOCATION:
    (1) U.S. Department of Education:
    [ssquf] Executive Director, Servicing, Student Experience and Aid 
Delivery, Federal Student Aid, U.S. Department of Education, 1300 
Market St., 5th Floor, Philadelphia, PA 19107 (System Manager);
    [ssquf] 50 Beale St., San Francisco, CA 94105;
    [ssquf] 500 West Madison St., Chicago, IL 60661; and
    [ssquf] 61 Forsyth St., Atlanta, GA 30303.
    (2) Maximus Federal Services, Inc. (Contractor--Federal Loan 
Servicer for Collections--Debt Management Collection System (DMCS)):
    [ssquf] 5202 Presidents Ct., Frederick, MD 21703 (Department 
contractor--DMCS Program Management and Help Desk);
    [ssquf] Amazon Web Services Government Cloud, US East, 410 Terry 
Ave. North, Seattle, WA 98109-5210 (System Hosting);
    [ssquf] Mail Fulfillment and Imaging Center(s): 800 Commerce Dr., 
Upper Marlboro, MD 20774; and 6201 Interstate 30, Greenville, TX 75402; 
and
    [ssquf] Contact Centers: 1 Imeson Park Blvd., Suite 300, 
Jacksonville, FL 32218; and 4335 Paredes Line Rd., Brownsville, TX 
78526.
    (3) Nelnet Servicing, LLC (Contractor--Federal Loan Servicer):
    [ssquf] 1001 Fort Crook Rd. North, Suite 132, Bellevue, NE 68005 
(System Hosting);
    [ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104 
(Backup site);
    [ssquf] Mail Fulfillment and Imaging Center: 1720 Northway Dr., 
North Mankato, MN 56003; 3125 Lewis Centre Way, Grove City, OH 43123; 
3885 Seaport Blvd., Suite 40, West Sacramento, CA 95691; and 1803 Rocky 
River Rd., North Monroe, NC 28110; and
    [ssquf] Contact Center(s): 3015 South Parker Rd., Aurora, CO 80014; 
121 South 13th St., Lincoln, NE 68508; and 4501 Abbott Dr., #2300, 
Omaha, NE 68110.
    (4) Great Lakes Educational Loan Services, Inc. (GLCS) 
(Contractor--Federal Loan Servicer):
    [ssquf] 1001 Fort Crook Road North, Suite 132, Bellevue, NE 68005 
(System Hosting);
    [ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104 
(Backup site);
    [ssquf] Mail Fulfillment and Imaging Center: 2401 and 2501 
International Lane, Madison, WI 53704; and 1529 Continental Dr., Eau 
Claire, WI 54701; and
    [ssquf] Contact Center(s): 930 Blue Gentian Rd., Eagan, MN 55121; 
6500 International Pkwy, Plano, TX 75093; 2401 and 2501 International 
Lane, Madison, WI 53704; 1529 Continental Dr., Eau Claire, WI 54701; 
308 2nd St., Boscobel, WI 53805; and 1101 Center Point Dr., Stevens 
Point, WI 54481.
    (5) Aidvantage (Contractor--Federal Loan Servicer):
    [ssquf] Chandler Data Center, 240 North Roosevelt Ave., Chandler, 
AZ 48226 (System Hosting);
    [ssquf] Omaha Data Center, 7305 Pacific St., Omaha, NE 68106 
(Secondary/Backup site);
    [ssquf] Mail Fulfillment and Imaging Center(s): 3885 Seaport Blvd., 
#40, West Sacramento, CA 95691; 1803 North Rocky River Rd., #7961, 
Monroe, NC 28110; and 220 Lasley Ave., Wilkes-Barre, PA 18706; and
    [ssquf] Contact Center(s): 11100 USA Parkway, Fishers, IN 46037; 
220 Lasley Ave., Wilkes-Barre, PA 18706; and 4501 North Superior Dr., 
Muncie, IN 47303.
    (6) Pennsylvania Higher Education Assistance Agency 
(PHEAA)(Contractor--Federal Loan Servicer):
    [ssquf] 1137 Branchton Rd., Boyers, PA 16020 (System Hosting);
    [ssquf] 1200 North 7th St., Harrisburg, PA 17102-1419 (Mail 
Fulfillment and Imaging);
    [ssquf] Contact Center(s): 1 Imeson Park Blvd., Jacksonville, FL 
32218; 4335 Paredes Line Rd., Brownsville, TX 78526; 6700 Lakeview 
Center Dr., Tampa, FL 33619; 2763 Southwest Blvd., San Angelo, TX 
76904; and
    [ssquf] 300 Long Meadow Rd., Suite 200, Sterling Forest, NY 10979 
(Disaster Recover Facility).
    (7) Missouri Higher Education Loan Assistance Authority (MOHELA) 
(Contractor--Not-for-Profit (NFP) Federal Loan Servicer):
    [ssquf] 633 Spirit Dr., Chesterfield, MO 63005 (System Hosting);
    [ssquf] 555 Vandiver Dr., Columbia, MO 65202 (Backup site);
    [ssquf] 1137 Branchton Rd., Boyers, PA 16020;
    [ssquf] 300 Long Meadow Rd., Suite 200, Sterling Forest, NY 10979 
(Secondary Site);
    [ssquf] Mail Fulfillment and Imaging ail Fulfillment and Imaging 
Center(s): 633 Spirit Dr., Chesterfield, MO 63005; and 555 Vandiver 
Dr., Columbia, MO 65202; and
    [ssquf] Contact Center(s): 633 Spirit Dr., Chesterfield, MO 63005; 
555 Vandiver Dr., Columbia, MO 65202; and 820 First St. NE, Suite L-
120, Washington, DC 20002.
    (8) Oklahoma Student Loan Authority (NFPOSLA) (Contractor--NFP 
Federal Loan Servicer):
    [ssquf] 525 Central Park Dr., Ste. 600, Oklahoma City, OK 73105 
(System Hosting);
    [ssquf] 7499 East Paradise Lane, Scottsdale, AZ 85260 (Backup 
site);
    [ssquf] 1001 Fort Crook Road. North, Suite 132, Bellevue, NE. 
68005-4247;
    [ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104;
    [ssquf] Mail Fulfillment and Imaging Center(s): 525 Central Park 
Dr., Ste. 600, Oklahoma City, OK 73105; and
    [ssquf] Call Center(s): 525 Central Park Dr., Ste. 600, Oklahoma 
City, OK 73105.
    (9) North Texas Higher Education Servicing Corp. (NFPHESC--
EdFinancial) (Contractor--NFP Federal Loan Servicer):
    [ssquf] 1001 Fort Crook Rd., Suite 132, North Bellevue, NE 68005-
4247 (System Hosting);
    [ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104;
    [ssquf] Mail Fulfillment and Imaging Center(s): 13271 North 
Promenade Blvd., Stafford, TX 77477-3957; and
    [ssquf] Contact Center(s): 120 North Seven Oaks Dr., Knoxville, TN 
37922; and 298 North Seven Oaks Dr., Knoxville, TN 37922.
    (10) Educational Computer Systems, Inc. (ECSI) (Contractor--Federal 
Perkins Loan Servicer):
    [ssquf] 1033 Jefferson St. NW, Atlanta, GA 30318 (System Hosting);
    [ssquf] Mail Fulfillment and Imaging Center(s): 100 Global View 
Dr., Warrendale, PA 15086; and
    [ssquf] Contact Center(s): 1200 Cherrington Parkway, Suite 200, 
Moon Township, PA 15108; and 3330 Healy Dr., Winston-Salem, NC 27103.
    (11) Action Financial Services (Contractor--Private Collection 
Agency):
    [ssquf] 2055 Cardinal Ave., Medford, OR 97504 (Call Center, 
Administrative

[[Page 56010]]

Support, Compliance, Training and Human Resources).
    (12) Bass & Associates, P.C. (Contractor--Private Collection 
Agency):
    [ssquf] 3926 E Fort Lowell Rd., Tucson, AZ 85712-1083 
(Administration and Student Loan Collections).
    (13) Central Research, Inc. (CRI) (Contractor--Private Collection 
Agency):
    [ssquf] 122 N Bloomington St., Suite I, Lowell, AR 72745 
(Accounting/Corporate Administration).
    (14) Coast Professional, Inc (Contractor--Private Collection 
Agency):
    [ssquf] 4273 Volunteer Rd., Geneseo, NY 14454 (Student Loan 
Servicing & Collecting).
    (15) Credit Adjustments, Inc. (CAI) (Contractor--Private Collection 
Agency):
    [ssquf] 1270 Geneva Blvd. Defiance, OH 43512 (Collection Activity, 
Administrative Offices).
    (16) F.H. Cann & Associates, Inc. (Contractor--Private Collection 
Agency):
    [ssquf] 1600 Osgood St., Suite 2-120, North Andover, MA 01845 
(Collection Activity, Administrative Office).
    (17) Immediate Credit Recovery (ICR) (Contractor--Private 
Collection Agency):
    [ssquf] 6 Neptune Rd., Suite 110, Poughkeepsie, NY 12601 (Call 
Center, Rehab Payer Service and Maintenance, Compliance, IT Staff, HR, 
Accounting, CEO, CIO, VP admin and other executive staff).
    (18) National Credit Services (Contractor--Private Collection 
Agency):
    [ssquf] 2525 220th St. SE, Suite 200, Bothell, WA 98021 (Debt 
Collection, Rehabilitations, Skip Tracing, QA, Compliance, HR and 
Administrative Wage Garnishment (AWG)).
    (19) National Recoveries Inc. (Contractor--Private Collection 
Agency):
    [ssquf] 14735 Hwy 65, NE, Ham Lake, MN 55304 (Collections, Invoice 
Processing, IT).
    (20) Professional Bureau of Collections of Maryland, Inc. 
(Contractor--Private Collection Agency):
    [ssquf] 5295 DTC Parkway, Greenwood Village, CO 80111 (Executive, 
Administrative, Accounting, Collections, IT and Compliance).
    (21) Reliant Capital Solutions (Contractor--Private Collection 
Agency):
    [ssquf] 670 Cross Pointe Rd., Gahanna, OH 43230 (Front Line Agents 
and Administrative Office).

SYSTEM MANAGER(S):
    Executive Director, Servicing, Student Experience and Aid Delivery, 
Federal Student Aid, U.S. Department of Education, 1300 Market St., 5th 
Floor, Philadelphia, PA 19107.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    Titles IV-A, IV-B, IV-D, and IV-E of the Higher Education Act (HEA) 
of 1965, as amended (20 U.S.C. 1070 et seq.) and the Higher Education 
Relief Opportunities for Students Act of 2003 (20 U.S.C. 1098bb) 
(including any waivers or modifications that the Secretary of Education 
deems necessary to make to any statutory or regulatory provision 
applicable to the student financial assistance programs under title IV 
of the HEA to achieve specific purposes listed in the section in 
connection with a war, other military operation, or a national 
emergency).

PURPOSE(S) OF THE SYSTEM:

    Note: Different parts of the HEA use the terms ``discharge'', 
``cancellation'' or ``forgiveness'' to describe when a borrower's 
loan amount is reduced in whole or in part by the Department. To 
reduce complexity, this system of records notice uses the term 
``discharge'' to include all three terms (``discharge'', 
``cancellation'' and ``forgiveness''), including but not limited to 
discharges of student loans made pursuant to specific benefit 
programs. At times, this system of records notice may refer by name 
to a specific benefit program, such as the ``Public Service Loan 
Forgiveness'' program; such specific references are not intended to 
exclude any such program benefits from more general references to 
loan discharges.

    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 title IV, HEA 
obligation;
    (5) To originate, disburse, service, collect, assign, adjust, 
transfer, refer, furnish credit information for, and discharge a title 
IV, HEA obligation;
    (6) To provide customers with information to help them make 
informed decisions on repayment options, including forbearance, 
deferment, and recurring debit options, based on their unique 
situations;
    (7) To investigate possible fraud or abuse or verify compliance 
with program regulations or contract requirements;
    (8) To locate a delinquent or defaulted individual obligated to 
repay a title IV, HEA obligation;
    (9) To litigate a title IV, HEA obligation, or to prepare for, 
provide support services for, or audit the results of litigation on a 
title IV, HEA obligation;
    (10) To prepare for, conduct, or enforce a limitation, suspension, 
termination, or debarment action;
    (11) To verify that Federal, state, local, or Tribal statutory, 
regulatory, and program requirements are met by educational and 
financial institutions, guaranty agencies, and Department contractors 
including Federal Loan Servicers, NFP Federal Loan Servicers, the 
Federal Perkins Loan Servicer, and Private Collection Agencies (PCAs);
    (12) To verify whether a title IV, HEA obligation qualifies for 
discharge;
    (13) To conduct credit checks or respond to inquiries or disputes 
arising from information on the title IV, HEA obligation already 
furnished to a consumer reporting agency;
    (14) To investigate, respond to, or resolve complaints submitted to 
the Department or to other Federal, State, local, or Tribal agencies 
regarding an aid applicant's or recipient's title IV, HEA program 
eligibility, the disbursement, or servicing of a title IV, HEA 
obligation, or the practices or processes of the Department and/or the 
Department's contractors;
    (15) To determine credit balances to be refunded by the U.S. 
Department of the Treasury (Treasury) to the individual or loan holder;
    (16) To allow educational institutions, financial institutions, 
Federal Loan Servicers, NFP Federal Loan Servicers the Federal Perkins 
Loan Servicer, PCAs, and guaranty agencies to report information to the 
Department on all aspects of title IV, HEA obligations 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, NFP Federal Loan Servicers the Federal Perkins Loan 
Servicer, or PCAs;
    (17) 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;
    (18) To support research, analysis, and development of educational 
policies in relation to title IV, HEA student aid programs;
    (19) To support Federal budget analysts in the Department, the 
Office of Management and Budget (OMB), and the Congressional Budget 
Office (CBO) in the development of budget needs and forecasts;

[[Page 56011]]

    (20) To help governmental entities at the Federal, State, Tribal, 
and local levels to exercise their supervisory and administrative 
powers (including, but not limited to licensure, examination, 
discipline, regulation, or oversight of educational institutions, 
Department contractors, guaranty agencies, eligible lenders, and third-
party servicers); to investigate, respond to, or resolve complaints 
regarding the practices or processes of the Department and/or the 
Department's contractors; and to update information or correct errors 
contained in Department records;
    (21) To ensure that only authorized users access aid applicants' or 
recipients' records, to maintain a history of each instance in which 
the aid applicant's or recipient's records are viewed or updated, and 
to assist the Department in responding to a suspected or confirmed 
breach of this system or in preventing, minimizing, or remedying harm 
when the Department suspects or confirms that this system has been 
breached or when the Department determines that information from this 
system is reasonably necessary to assist another agency or entity in 
responding to a suspected or confirmed breach or in preventing, 
minimizing, or remedying the risk of harm resulting from a suspected or 
confirmed breach;
    (22) To support the Department in detecting, preventing, 
mitigating, and recouping improper payments in title IV, HEA programs; 
and
    (23) To conduct testing, analysis, or take other administrative 
actions needed to prepare for or execute programs under title IV of the 
HEA.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    The CSB system contains records on individuals who received a loan 
or who otherwise owe a title IV, HEA obligation held, originated, 
serviced, disbursed, adjusted, collected, or discharged 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) the Academic Competitiveness Grant (ACG) Program;
    (9) the National Science and Mathematics Access to Retain Talent 
(SMART) Grant Program;
    (10) the Teacher Education Assistance for College and Higher 
Education (TEACH) Grant Program; and
    (11) the Iraq and Afghanistan Service Grant 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 program funds as 
references, co-signers, endorsers, or a spouse whose income and 
expenses are considered in connection with the making or the 
enforcement of a title IV, HEA obligation.

CATEGORIES OF RECORDS IN THE SYSTEM:
    This system of records covers the following Information Technology 
(IT) systems of the Department used to carry out activities with regard 
to title IV, HEA obligations held, originated, serviced, disbursed, 
collected, or discharged by the Department: DMCS, IT systems operated 
by the Federal Loan Servicers and NFP Federal Loan Servicers to 
accomplish the purpose(s) of this system of records, IT systems 
operated by the Federal Perkins Loan Program Servicer to accomplish the 
purpose(s) of this system of records, and IT systems operated by the 
PCAs to accomplish the purpose(s) of this system of records. This 
system of records also covers paper records obtained by the Department 
from guaranty agencies in the process of considering appeals by title 
IV, HEA loan borrowers of guaranty agency decisions.
    This system of records maintains the employment information, 
educational status, family income, Social Security number (SSN), 
address(es), email address(es), and telephone number(s) of the aid 
applicant or recipient indebted on a title IV, HEA obligation or the 
individuals whose income and expenses are included in a financial 
statement submitted by the aid applicant or recipient. This system of 
records maintains the loan discharge income eligibility information and 
associated discharge eligibility consent information of the aid 
recipient indebted on a title IV, HEA obligation. This system also 
maintains 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 records related to 
discharge of title IV, HEA obligations on grounds of qualifying 
service, bankruptcy discharge, Total and Permanent Disability 
(including medical records submitted to support application for 
discharge by reason of disability), death, Public Service Loan 
Forgiveness (PSLF) (including, but not limited to, employment records), 
Borrower Defense (including but not limited to, case decisions, 
principal and interest discharged, amount refunded, and borrower 
defense notifications) 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 title IV, HEA 
obligations, the system contains demographic, employment, and other 
data on the individual who owes a title IV, HEA obligation or provided 
as references by the obligor, and the collection actions taken by any 
holder, including write-off amounts and compromise amounts.
    This system also contains information obtained from matching 
programs or other information exchanges with other Federal and State 
agencies, and other entities, to assist in identifying individuals who 
may be eligible for benefits related to their title IV, HEA 
obligations, including, but not limited to, TPD discharges, loan 
deferments, interest rate reductions, PSLF, and other Federal and State 
loan repayment or discharge benefits or for the purpose of recouping 
payments on delinquent title IV, HEA obligations under title IV, HEA 
programs.

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 title IV, HEA obligation held 
and collected by the Department. The Department also obtains 
information from Federal Loan Servicers, NFP Federal Loan Servicers, 
the Federal Perkins Loan Servicer, PCAs, references, cosigners, 
endorsers, current or prior FFEL loan holders or servicers, guaranty 
agencies, educational and financial institutions and their authorized 
representatives, and Federal, State, Tribal and local agencies and 
their authorized representatives; private parties, such as

[[Page 56012]]

relatives and business and personal associates; present and former 
employers; creditors; consumer reporting agencies; and adjudicative 
bodies. Information in this system may be obtained from other persons 
or entities from whom or from which data is obtained following a 
disclosure under the listed routine uses.

ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES 
OF USERS AND 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.
    (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 title IV, HEA program funds, disclosures 
may be made to guaranty agencies, educational and financial 
institutions, and their authorized representatives; to Federal, State, 
Tribal, 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 title IV, HEA 
obligation;
    (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 a title IV, HEA 
obligation, 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 title IV, HEA obligation;
    (e) To permit originating, disbursing, servicing, collecting, 
assigning, adjusting, transferring, referring, furnishing of credit 
information, or discharging title IV, HEA obligations, disclosures may 
be made to guaranty agencies, educational institutions, or financial 
institutions that originated, held, serviced, or have been assigned the 
title IV, HEA obligation, and their authorized representatives; to a 
party identified by the debtor as willing to advance funds to repay the 
title IV, HEA obligation; 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 provide customers with information to help them make 
informed decisions on repayment options, including deferment, 
forbearance, and recurring auto debit, based on their unique 
situations, 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 to verify compliance 
with contractual requirements or Federal, State, local, or Tribal 
statutory, regulatory, or program requirements, disclosures may be made 
to guaranty agencies, educational and financial institutions, third-
party servicers, and their authorized representatives; to Federal, 
State, Tribal, 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 
who owes a title IV, HEA obligation, 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 title IV, HEA obligation for litigation, to 
provide support services for litigation on a title IV, HEA obligation, 
to litigate a title IV, HEA obligation, or to audit the results of 
litigation on a title IV, HEA obligation, disclosures may be made to 
FFEL loan holders or servicers; Department contractors including but 
not limited to, Federal Loan Servicers, NFP Federal Loan Servicers, the 
Federal Perkins Servicer, PCAs and to guaranty agencies and their 
authorized representatives; Federal, State, Tribal, or local agencies, 
and their authorized representatives; and to adjudicative bodies;
    (j) To prepare for, conduct, or enforce a limitation, suspension, 
or 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 verify that HEA program requirements are met by educational 
and financial institutions, guaranty agencies, Federal Loan Servicers, 
NFP 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; to 
accrediting agencies; to auditors engaged to conduct an audit of a 
guaranty agency or an educational or financial institution; to Federal, 
State, Tribal, or local agencies, and their authorized representatives; 
and to adjudicative bodies;
    (l) To verify whether a title IV, HEA obligation qualifies for 
discharge 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 title IV, HEA obligation already 
furnished to a consumer reporting agency, disclosures may be made to 
consumer reporting

[[Page 56013]]

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, respond to, and resolve complaints submitted to 
the Department or to Federal, State, local, or Tribal agencies 
regarding an aid applicant's or recipient's title IV, HEA program 
eligibility, the disbursement or servicing of a title IV, HEA 
obligation, or the practices or processes of the Department and/or the 
Department's contractors 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, Tribal, 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;
    (o) To provide credit balances identified in the Department's 
systems to Treasury for distribution, 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 title IV, HEA obligations in uniform formats and to permit 
the Department to directly compare data submitted to the Department by 
individual educational institutions, financial institutions, third-
party servicers, guaranty agencies, Federal Loan Servicers, NFP Federal 
Loan Servicers, PCAs, and the Federal Perkins Loan Servicer, 
disclosures may be made to educational institutions, financial 
institutions, guaranty agencies, Federal Loan Servicers, the Federal 
Perkins Loan Servicer, NFP Federal Loan Servicers, and PCAs;
    (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; and;
    (r) To help Federal, State, Tribal, and local governmental entities 
exercise their supervisory and administrative powers (including, but 
not limited to, licensure, examination, discipline, regulation, or 
oversight of educational institutions, Department contractors, guaranty 
agencies, eligible lenders, and third-party servicers) or to 
investigate, respond to, or resolve complaints submitted regarding the 
practices or processes of the Department and/or the Department's 
contractors, the Department may disclose records to governmental 
entities at the Federal, State, Tribal, and local levels. These records 
may include all aspects of records relating to title IV, HEA 
obligations to permit these governmental entities to verify compliance 
with debt collection, consumer protection, financial, and other 
applicable statutory, regulatory, or local requirements. Before making 
a disclosure to these Federal, State, local, or Tribal governmental 
entities, the Department will require them to maintain safeguards 
consistent with the Privacy Act to protect the security and 
confidentiality of the disclosed records.
    (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 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) 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.
    (4) 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.
    (5) 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 or their Agents and 
Contractors, and Professional Organizations or the Department's 
Contractors. The Department may disclose a records to a Federal, State, 
local, or other public authority or an agent or contractor of such 
public agency, or professional organization, or the Department's 
contractors 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

[[Page 56014]]

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.
    (6) 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 factfinder, mediator, or other 
person designated to resolve issues or decide the matter.
    (7) 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.
    (8) Freedom of Information Act (FOIA) and Privacy Act Advice 
Disclosure. The Department may disclose records to the DOJ or to 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.
    (9) 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.
    (10) 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 
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.
    (11) 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 agree to establish and 
maintain safeguards to protect the security and confidentiality of the 
disclosed records.
    (12) Congressional Member Disclosure. The Department may disclose 
the records of an individual to a member of Congress or the member's 
staff when necessary to respond to an inquiry from the member made at 
the written request of that individual and on behalf of that 
individual. The member's right to the information is no greater than 
the right of the individual who requested it.
    (13) Disclosure to OMB or CBO for Credit Reform Act (CRA) Support. 
The Department may disclose records to OMB or CBO as necessary to 
fulfill CRA requirements in accordance with 2 U.S.C. 661b.
    (14) Disclosure in the Course of Responding to a Breach of Data. 
The Department may disclose records from this system of records to 
appropriate agencies, entities, and persons when (a) the Department 
suspects or has confirmed that there has been a breach of the system of 
records; (b) the Department has determined that as a result of the 
suspected or confirmed breach there is a risk of harm to individuals, 
the Department (including its information systems, programs and 
operations), the Federal government, or national security; 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 breach and prevent, minimize, or 
remedy such harm.
    (15) Disclosure in Assisting another Agency in Responding to a 
Breach of Data. The Department may disclose records from this system to 
another Federal agency or Federal entity, when the Department 
determines that information from this system of records is reasonably 
necessary to assist the recipient agency or entity in (a) responding to 
a suspected or confirmed breach or (b) preventing, minimizing, or 
remedying the risk of harm to individuals, the recipient agency or 
entity (including its information systems, programs, and operations), 
the Federal Government, or national security, resulting from a 
suspected or confirmed breach.
    (16) Disclosure to Third Parties through Matching Programs. Unless 
otherwise prohibited by other laws, any information from this system of 
records, including personal information obtained from other agencies 
through matching programs, may be disclosed to any third party through 
a 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.
    (17) Disclosure of Information to Treasury. The Department may 
disclose records 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.
    (18) Disclosure to National Archives and Records Administration 
(NARA). The Department may disclose records from this system of records 
to NARA for the purpose of records management inspections conducted 
under authority of 44 U.S.C. 2904 and 2906.

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 STORAGE OF RECORDS:
    The records are maintained in hardcopy, microfilm, magnetic 
storage, and optical storage media, such as tape, disk, etc.

[[Page 56015]]

POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
    Records in this system pertaining to a title IV, HEA loan borrower 
or grant recipient are retrieved by one or more of the following data 
elements: 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.

POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS:
    All records are retained and disposed of in accordance with ED 
Records Schedule 075: FSA Loan Servicing, Consolidation, and 
Collections Records (N1-441-09-016) (ED 075). The Department has 
submitted amendments to ED 075 for NARA's consideration and will 
continue to preserve all records covered by ED 075 until the amendments 
are approved.

ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
    All physical access to the Department's site, and to the sites of 
the Federal Loan Servicers, the Federal Perkins Loan Servicer, PCAs, 
and other contractors listed in 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 ACSD-OFO-013 entitled ``Contractor Employee Personnel 
Security Screenings,'' all contract personnel who have facility access 
and system access are required to undergo a security clearance 
investigation. Individuals requiring access to Privacy Act records 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 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 records.
    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 
Standard PR.AC: Password Parameters 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.
    In accordance with the Federal Information Security Management Act 
of 2002 (FISMA), as amended by the Federal Information Security 
Modernization Act of 2014, every Department system must receive a 
signed Authorization to Operate (ATO) from a designated Department 
official. The ATO process includes a rigorous assessment of security 
and privacy controls, a plan of actions and milestones to remediate any 
identified deficiencies, and a continuous monitoring program.
    FISMA controls implemented comprise a combination of management, 
operational, and technical controls, and include the following control 
families: access control, awareness and training, audit and 
accountability, assessment, authorization, and monitoring, 
configuration management, contingency planning, identification and 
authentication, incident response, maintenance, media protection, 
physical and environmental protection, planning, program management, 
personnel security, personally identifiable information processing and 
transparency, risk assessment, system and services acquisition, system 
and communications protection, system and information integrity, and 
supply chain risk management.
    All of the Federal Loan Servicers, NFP Federal Loan Servicers, the 
Federal Perkins Loan Servicer, PCAs and other contractors, as listed in 
``SYSTEM LOCATION,'' undergo FISMA security authorizations. In 
addition, access is monitored 24 hours per day, 7 days a week.

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.

NOTIFICATION PROCEDURES:
    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.

EXEMPTIONS PROMULGATED FOR THE SYSTEM:
    None.

HISTORY:
    The system of records entitled ``Common Services for Borrowers 
(CSB)'' (18-11-16) was originally published in the Federal Register on 
January 23, 2006 (71 FR 3503-3507), modified on September 12, 2014 (79 
FR 54685-54695), and was last modified on September 2, 2016 (81 FR 
60683-60691).

[FR Doc. 2022-19887 Filed 9-12-22; 8:45 am]
BILLING CODE 4000-01-P