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Common Origination
&
Disbursement System
Wood Mason
U.S. Department of Education
Federal Student Aid
Atlanta, GA
770.383.9662
AGENDA • Current state
Reporting loan periods & academic years accurately
Origination Fee change
150% Phase 1
StudentLoans.gov
• COD Release 13.0 New Award Year Setup (NAYS)
Schema change and 100% XML validation
150% Phase 2
Pell LEU Appeal Portal
• COD Release 13.1
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Integrated Participation Management into the COD web login
• Access to the COD web, i.e., UserID and FSA Password, is now managed by Participation Management NOT COD
• A new User Role List screen was added for users with multiple roles
• Adding users and changing access is done by your school Primary Data Point Administrator via the SAIG Web Enroll website
FSAwebenroll.ed.gov
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Ability To Benefit (ATB) • Required on ALL awards for award year 2013-2014 and
forward
• 2 new valid codes 06 – High School Diploma
07 - GED
• Warning edit 199 – triggered if the <AbilityToBenefitCode> tag submitted does not match the value in the HS Diploma or Equivalent field on the selected CPS Transaction
• Warning edit 994 – triggered if the <AbilityToBenefitCode> tag is not submitted
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Pell Grant Program
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Pell Grant Lifetime Eligibility Used (LEU)
• Implemented a COD reject for exceeding 600% LEU
Edit code 201
Award Years 2012-2013 and forward
Disbursement level reject
Warning edits 177 & 178 NOT MODIFIED
• Report delivered to your SAIG mailbox
No longer posted to your COD website NewsBox
Comma-Delimited Format
SAIG Message Class: PGLEYYOP
Example: PGLE14OP for Award Year 2013-2014
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Pell Grant Lifetime Eligibility Used (LEU) appeal
process in place
• A dispute should be initiated for a student for whom an
adjustment will reduce his or her LEU to <600%
School contacts COD
Documentation will be required
If approved COD will systematically adjust the award
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Adjustments for approved
Pell LEU Disputes are
detailed on the student’s
Pell LEU History
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Direct Loan Program
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School Account Statement Disbursement Detail
On Demand Report for TEACH and Direct Loans
• On the Batch tab under the Report Requests link
Grant Data Requests, DL Rebuild and SAS
Disbursement Detail On Demand Report have been
combined on one COD Web page
• Request flexibility
Award Year
Start/End date, month-to-month, or year-to-date
Format flexibility
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Loan origination fee on loans with an earliest
disbursement date (EDD) on or after December 1,
2013
• Subsidized and Unsubsidized loans…1.072%
• PLUS loans…4.288%
DCL GEN 13-22, published October 17, 2013
• Future changes should occur on October 1 of each
year
Note: Calculation and truncation
rules have not changed.
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Accurate reporting of academic year and award start/end dates is vital to accurate calculation of subsidized loan usage periods
• For Award Year 2013 – 2014 and forward
• All loan types and borrowers
• Schools MUST change the anticipated dates if they differ from actual attendance
• Loan periods should include ONLY those terms/payment periods in which the borrower receives funds
• Dear Colleague Letter GEN 13-13, posted May 10, 2013 has the particulars
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Phase 1 of the modifications to enforce a 150% limitation for Direct Subsidized Loans is in place
• COD evaluates borrowers for the new Subsidized Usage Limit Applies (SULA) Flag
• A flag is set if the borrower has no outstanding loan balance at the time he/she receives a Direct Loan with an earliest disbursement date after June 30, 2013
A new Warning Edit, #200, is returned that identifies that borrower as a “First-time borrower” and subject to SULA
• The flag is viewable on the COD “View Person Information” screen
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Schools also receive a new report displaying all students that have received the Subsidized Usage Limit Applies Flag.
• Identifies borrowers with an Subsidized Usage Limit Applies flag set to ‘Y’
• If an award has been submitted for a student who has a Subsidized Usage Limit Applies flag set to ‘Y’, then the student will appear on the School’s report for 90 days Delivered via the School’s NewsBox on the COD
Reporting Website weekly in CSV format
If no borrowers meet the report generation criteria, the school will not receive a report for that week
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There is a very limited set of circumstances in which a “first-time” borrower could lose eligibility for Direct Subsidized Loans during the 2013-2014 award year because…
• Only applies to a “first-time” borrower on or after July 1, 2013
• Most academic programs are at least 1 academic year in length resulting in a Maximum Eligibility Period of 1.5 year
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But it could happen if the “first-time” borrower • Already has a Direct Subsidized Loan and…
• Another school is intending to award a subsequent Direct Subsidized Loan for the same 2013-2014 award year and…
• Only if the program length is shorter than 1.5 years, 10 months, or 40 weeks
• EA published November 12, 2013 provides details, examples of circumstances, and worksheet to determine if your student falls into this bucket
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Also, there is a temporary solution to “track” those “first-time” borrowers in a qualifying teacher certification program for the 2013-2014 award year
• Schools can submit an ad Hoc document to COD identifying the borrowers
• The file layout is in the 2014-2015 COD Technical Reference
• COD will hold the file and process it when Phase 2 of the 150% Subsidized Limitation release is implemented this coming Spring
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StudentLoans.gov
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StudentLoans.gov now provides ALL Federal
Student Aid electronic loan counseling tools
• Financial awareness integrated into each module
• Includes information on 150% SULA
• Both English and Spanish language available
Undergraduate and Graduate/Professional Student
PLUS entrance counseling
Exit Counseling
NSLDS continues to generate detailed Exit Counseling
reports reflecting demographic and reference information
Financial Awareness Counseling
NOT a regulatory requirement but a darn good idea
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A stand-alone Repayment Estimator is available on StudentLoans.gov
• Mobile version available as well
• Spanish and English
• Authenticated and non-authenticated users
• Authenticated users view estimated payments under various repayment plans based on several factors
Loan type/balance
Income/family size
Where you live
• Uses loan information retrieved from NSLDS
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Phase 1 of the new Loan Consolidation Application process, and Promissory Note, are available on StudentLoans.gov
• Students with no defaulted loans or no ED-assigned defaulted loans
Others use existing process
• Can combine loans of different types held by various servicers, into a single loan held by one servicer
• Provides borrowers the ability to select a servicer
• All 4 TIVAS participating
• Pre-populates existing loans based on NSLDS data
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COD Release 13.0 Award Year 2014-2015
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COD Release 13.0 for the 2014-2015 award year
is scheduled for a Spring, 2014 implementation
and will include the following major functionality
• Award Year 2014-2015 New Award Year Set-Up
(NAYS)
• Pell Grant Report modification
• Further streamline the Pell LEU dispute process with
a new Pell LEU Dispute portal on the COD Web
• Full Schema Validation
• Phase 2 of the Direct Subsidized Loan 150%
threshold
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NAYS will include the new Schema 4.0a
• EA posted October 29, 2013
• Additional 150% Subsidy Limit tags
• System Generated files returned with message class
award year designator “15”
• Common Record (CR) response files returned in
schema of submission
• Award year designator changed to “15” where
appropriate elsewhere
Master Promissory Note (MPN) ID
Loan ID
Agreement To Serve (ATS) ID
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The Expected Family Contribution (EFC) field
length on the Pell Grant documents below will
be expanded from 5 to 6 bytes to conform to a
CPS change
• The Pell Grant Reconciliation Report
• The Pell Grant Multiple Reporting Record (MRR)
• The Pell Grant Year-To-Date Record
• The Pell Grant Lifetime Eligibility Used (LEU) Report
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COD will further streamline the Pell LEU dispute
process with a new Pell LEU Dispute portal on the
COD Web
• The Portal provides the ability to create, view,
update, and even upload documentation for a Pell
LEU dispute
• Pell LEU History page will display the Pell LEU
dispute status
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Pell LEU
Dispute portal
will allow
schools to
enter dispute
information for
Department of
Education
review
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On the Pell
LEU Dispute
portal, the
required
dispute
documentation
should be
uploaded to the
COD Web
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After a dispute has been approved,
the student’s Pell LEU History page
will provide details of the dispute and
adjustment.
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For award year 2014-2015 and forward, COD will perform full XML Common Record schema validation
• Validation will be based on the Common Record XML schema version that is published Enforced: 3.0d, 3.0e, and 4.0a
Retiring: 2.0e, 3.0a, 3.0b, and 3.0c
An EA dated October 29, 2013, provides Schema 4.0 details
• Examples of common errors include general file formatting such as: Invalid character or invalid byte
Opening tag exists but end tag is missing
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For award year 2014-2015 and forward, COD will perform 100% XML Common Record schema validation
• A new “temporary” Warning Edit #211 will trigger to indicate a schema validation issue
On inbound common records with XML that doesn’t meet 100% schema validation but would have been accepted under prior year rules
The warning edit will be discontinued at a yet-to-be determined later date
• A new Reject Edit, #210, will trigger if the schema validation failed
Returned on <DocumentID> tag
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FSA held two Software Vendor conferences in
August and December of 2013 to inform them of
this coming change
• FSA sent vendors and IT shops three (3) scans of
errors found in common records created by their
software
• Top 5 schools by error
• A “collapsible” list of schools under a particular
error
For inquiries regarding XML schema
enforcement contact: [email protected]
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Phase 2 of the modifications to enforce a 150% limitation for Direct Subsidized Loans will include
• COD Common Record Schema and batch processing modifications Real-time processing of SULA data
New SULA report
New schema input fields
New SULA edits
New response for SULA calculations
• Reporting modifications
• COD Web will be updated to include the new SULA input and response tags
• New SULA Request and SULA Information pages on COD Web
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Phase 2 of the 150% subsidized limitation will
implement real-time SULA processing
• Subsidized Usage Period calculation
Returned per award via a CR response
Originations and maintenance submissions
• After nightly COD processing, all applicable schools
will receive the following data via a System Generated
response
Subsidized Usage
Subsidized Eligibility Calculation
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Phase 2 of the 150% subsidized limitation will
implement real-time SULA processing
• Subsidized Usage Period calculation
Returned per award via a CR response
Originations and maintenance submissions
• After nightly COD processing, all applicable schools
will receive the following data via a System Generated
response
Subsidized Usage
Subsidized Eligibility Calculation
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Phase 2 of the 150% subsidized limitation will see
the implementation of a new SULA report
• Will identify SULA students and their status setting for
the customer
Maximum Eligibility Period
Subsidized Usage Period
Remaining Eligibility Period
• Posted weekly on the COD website in your School
NewsBox
CSV format
Option to receive or not receive
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Schema 4.0a includes new SULA tags
• Award Block tags for Direct Subsidized, Unsubsidized,
and PLUS awards
<PublishedPgmLengthYears>
<PublishedPgmLengthWeeks>
<PublishedPgmLengthMonths>
<WeeksProgramAcademicYear>
<SpecialPrograms>
<ProgramCredentialLevel>
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Schema 4.0a includes new SULA tags
• Disbursement Block tags for Direct Subsidized,
Unsubsidized, PLUS, loans and TEACH Grants
<PaymentPeriodStartDate>
<EnrollmentStatus>
<ProgramCIPCode>
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The new <SpecialPrograms> tag will assist in
validating the type and length of program.
Value Description
P Preparatory Coursework Graduate Professional Program
U Preparatory Coursework Undergraduate Program
T Non-Credential Teacher Certification Program
A TBD
B TBD
N Not Applicable
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COD will validate the <SpecialPrograms> tag
against GL on an incoming LOR
Special Programs Tag Value Valid Grade Levels
Prep Grad P 5
Prep Undergrad U 1, 0
Teacher Cert T 5
TBD A TBD
TBD B TBD
Not Applicable N No GL validation
Tag Not Submitted N/A No GL validation
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The <ProgramCredentialLevel> tag will assist in
validating the type/length of program.
Description Program Credential Level Student Level Code
Undergraduate certificate or diploma 01 0-5 (Undergraduate)
Associate’s degree 02 0-5 (Undergraduate)
Bachelor’s degree 03 0-5 (Undergraduate)
Post Baccalaureate certificate 04 0-5 (Undergraduate)
Master’s degree 05 6-7 (Graduate)
Doctoral degree 06 6-7 (Graduate)
First Professional degree 07 6-7 (Graduate)
Graduate/Professional certificate 08 6-7 (Graduate)
Non-credential programs (preparatory coursework/teacher certification)
99 0-5 (Undergraduate)
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New award level edits
Edit Program Trigger
Reject 202 DL Cannot submit more than one tag for Published Program
Length (Years, Months or Weeks)
Reject 203 DL Incorrect Special Program submitted
Reject 206 DL Sub Remaining Subsidized Eligibility Period is less than zero for
this award
Warning 207 DL Sub Maintenance to this tag may have caused the Remaining
Subsidized Eligibility Period to drop below zero for this award
Reject 208 DL Incorrect Student Level Code submitted
Reject 209 DL Invalid value submitted for Weeks Programs Academic Year
Note: “Maintenance Record” and “Change Record” are synonymous
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New disbursement edits Edit Program Trigger
Reject 204 DL &
TEACH
Incorrect Program CIP Code submitted
Reject 205 DL Payment Period Start Date is outside the Award Begin and
End dates
Reject 207 DL Sub For HCM/Reimbursement schools, sequence issues
Existing Edit 994 and Edit 996 will be
triggered if a value is missing or not valid
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The nightly system generated response file will
address situations where a student’s subsidized
usage has changed and that school did not
receive the latest information in their last response
• Message class CRSUYYOP
YY designates the award year
Nightly generation
Schools cannot opt-out of receiving the file
Upon implementation you will receive a “blast” system
generated response containing all borrower’s SULA
calculations
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Phase 2 will include several COD reporting modifications
• New Direct Loan Subsidized Usage Change report
Direct Subsidized Loan usage Limit School Report to be discontinued
Display Subsidized loans when change to borrower’s SULA calculated values
Generated weekly and delivered on the COD Reporting website in CSV format
• New SULA fields in the Origination and Disbursement records of the Direct Loan Rebuild File AND the Duplicate Student Borrower Report
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COD will also display two new web screens
• Subsidized Usage Limit Applies Request
Allows a user to request the most recent SULA data via a new
system-generated acknowledgement
Under the Batch Tab
Search by borrower SSN and school Entity ID
• Subsidized Eligibility Information Screen
Accessible via a link on the Person Direct Loan
Information page
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EdExpress Software Release v3.0 that will transmit 150% subsidized loan limit data to COD will not be available until late June or early July
• FSA will soon communicate to Express users alternatives that will allow origination and disbursement of “early” loan and disbursement activity If you MUST originate and disburse prior to the release of
Express v3.,0 FSA will help you understand the alternatives
FSA will also communicate to you the means to “build” your EdExpress database when Direct Loan Tools is available in mid-July
Watch for an email describing what the alternatives are and your options
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COD School Relations Center
Grants: 1.800.474.7268
Direct Loans: 1.800.848.0978
Applicant Services: 1.800.557.7394
Foreign Schools: 1.571.392.3737
E-mail: [email protected]
URL: http://www.cod.ed.gov
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