Notice of Terms and Conditions of Purchase of Loans under the Ensuring Continued Access to Student Loans Act of 2008. (JH)

LOAN PURCHASE PROGRAMS ELECTRONIC ANNOUNCEMENT # 27
Date:

September 12, 2008 (Updated November 3, 2008)

To:

FFEL Program Community

From:

Larry Warder, Acting Chief Operating Officer
Federal Student Aid

Subject:

Loan Purchase Commitment Program Loan Transfer/Conversion File

In Electronic Announcement #23, posted on August 22, 2008, we provided information on how a
lender executes a Master Loan Sale Agreement (MLSA) with the Department under the Loan
Purchase Commitment Program. That announcement also presented the format and submission
instructions for the required “45-Day Notice of Intent to Sell Loans” under the MLSA. In
Electronic Announcement #26, posted on September 9, 2008, we provided formats of, and
submission information for, the MLSA “Bill of Sale” and supporting documents.
This Electronic Announcement provides information on the “Loan Transfer/Conversion File”
that is to be used a FFEL lender/holder (the Seller) when transmitting loan data to the
Department’s servicer for a loan purchase under the MLSA. We are also providing the file
layout, as an attachment (updated November 3, 2008).
Thank you for your continued support of the FFEL Loan Purchase Programs.
Attachment

Federal Family Education Loan Program
Loan Purchase Program Under a Master Loan Sale Agreement

LOAN PURCHASE COMMITMENT PROGRAM
LOAN TRANSFER/CONVERSION FILE LAYOUT SUBMISSION
INSTRUCTIONS
NOVEMBER 3, 2008

This document provides information about the Loan Transfer/Conversion File that will be
submitted by a Seller and sent to the Department’s servicer for loans scheduled to be sold to the
Department pursuant to a Master Loan Sale Agreement (MLSA) under the Loan Purchase
Commitment Program. The attachment to this document (updated November 3, 2008) includes
the full record layout for the Loan Transfer/Conversion File. The Seller (or the Seller’s loan
servicer) will create a Loan Transfer/Conversion File, using this format, and forward it to the
Department’s servicer using the process described below.
Only loans that were identified by the Seller when it created the information for the projected
Purchase Date’s “45-Day Notice of Intent to Sell Loans” may be included on the Loan
Transfer/Conversion File for that Purchase Date. Of course, the Loan Transfer/Conversion File
should not include any of those previously identified loans that are no longer Eligible Loans or
that have been cancelled or otherwise paid in full. Finally, the information provided for each
loan must be current as of the creation of the Loan Transfer/Conversion File.
A lender may not submit a Loan Transfer/Conversion File until it has –
Executed a Master Loan Sales Agreement with the Department, consistent with the
information provided in Electronic Announcement #23;
Submitted a properly executed “45-Day Notice of Intent to Sell Loans” consistent with
the information provided in Electronic Announcement #23;
Successfully completed intersystem testing of the Loan Transfer/Conversion File
between the Seller’s servicer and the Department’s servicer. This testing will take place
during the 45-Day notification period and is only necessary for a Seller’s initial sale.

LOAN TRANSFER/CONVERSION FILE LAYOUT SUBMISSION
PAGE 2
Assuming that the intersystem testing of the Loan Transfer/Conversion File is successful,
approximately nine business days prior to the projected Purchase Date, the Seller will submit its
Loan Transfer/Conversion File to the Department’s servicer. The Department’s servicer will edit
the file for loan eligibility and data integrity and will work with the Seller’s servicer to resolve
any exceptions identified in that process.
On the sixth business day prior to the purchase date, the Department’s servicer will create and
forward to the Seller’s servicer a pre-sale Loan Schedule, with totals and loan level detail. The
Seller will review this Schedule, confirm its totals, and use it to prepare the required Bill of Sale
and related documents, as discussed in Electronic Announcement #26.
The attachment to this document (updated November 3, 2008) includes the full record layout for
the Loan Purchase Commitment Program’s Transfer/Conversion File. The Seller (or the Seller’s
loan servicer) will create a Loan Transfer/Conversion File, using this format, and forward it to
the Department’s servicer using a file transfer process to be determined by the Department’s
servicer and the Seller’s servicer, following submission of the Seller’s first 45-Day Notice.
If you have any questions on the information provided in this document or if you wish to begin
discussions on creating the Loan Transfer/Conversion File please send an email to
[email protected].

Loan Transfer File Layout
DATA SUBMISSION TO DEPARTMENT OF EDUCATION’S SERVICER
OVERVIEW:
This document describes the file formats and record layouts for loading borrower data onto the system.

Instructions for Use:
The file for loading external loan data onto the system is a fixed length, sequential format with a record length of 256 characters or bytes.
This file should be transmitted electronically. A listing of the loans included in the file, referred to as a “Transmittal,” must accompany the submitted file.
Records
• There are eleven different borrower data records. Some of the records are optional; if no data in the record needs to be provided (for example, the deferment
record), the record should not be sent. Do not send an empty record.
• Some records may be repeated a number of times and, consequently, the number of repetitions is specified in the record description. In the case of multiple sets
of records for a Borrower, each set of records should be numbered sequentially.
• There is a maximum of 32,000 loans per file. If more than 32,000 loans are to be sent, separate files are needed. However, try to keep all loans for a Stafford
borrower in the same file.
General Formatting Instructions
• For fields with null values, use the following: Numeric fields = zero fill; date fields = zero fill; character fields = spaces
• For fields where the data provided has fewer characters than the field allows: Numeric fields = right justify; zero fill extra positions; character fields left justify and
space fill extra positions
Data Requirements:
• Information must be provided at the loan level or disbursement level, as indicated in the record. If the servicer only keeps certain data at the Borrower level (such
as payment amount), this amount must be prorated across all of the loans being reported.
• All loans must be accrued through the same date. The Ed Servicer will work with you to determine the “accrued through date” as part of the discussions for
scheduling the purchase. This will relate to the “Borrower Accrued Interest” value in record 7; field 56 – 62.
• Records must pass the following “crossfoot” calculation: Original loan amount less principal paid less refund/ cancellation plus capitalized interest must equal
principal balance.
File Naming Convention:
DL971_999999_PUT_MMDDYY_timestamp; Where the 999999 is the current holder’s lender id, and PUT indicates PUT loans.
A separate file is needed for each lender ID.

Last revised:

10/29/08
*R Values
R = Required
C = Conditionally Required
N = Not Required
X = Do Not pass any values in this field
Internal Use Only

Page 1of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

Record D1 should occur one time per
file.
Record 01 is not a required record
although it is requested for
reconciliation purposes.
First 2 digits = R6

RECORD D1 - HEADER RECORD – ONE HEADER RECORD PER FILE
D1

02

01-02

09
05

03-11

06
11

12-16
17-22

11

23-33
34 - 44

223

45-256

CHAR

D1 Record ID

R

“D1”

CHAR

ED SERVICER ID

R

R6

NUM

Borrower Count

R

Total Number of borrowers. 99999

NUM

Disbursement Count

R

NUM

Total PBO

R

NUM

Total Borrower Accrued Interest

R

Total number of disbursements
999999
Sum of all the principal balances
999999999v99
Sum of all the Accrued Interest
999999999v99

CHAR

FILLER

Page 2of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

RECORD D2 – BATCH HEADER RECORD – ONE BATCH HEADER RECORD PER FILE
D2

02

01-02

09
04

03-11

05
06
11

CHAR

D2 Record ID

R

“D2”

Record D2 should occur one time per
file.

CHAR

ED Servicer ID

R

R6

First 2 digits = R6

CHAR

Batch ID

R

0001

NUM

Borrower Count

R

NUM

Disbursement Count

R

NUM

Total PBO

R

NUM

Total Borrower Accrued Interest

R

Always use 0001; Ed Servicer will
split the file into multiple batches as
necessary for internal processing
Total Number of borrowers.
99999
Total number of disbursements
999999
Sum of all the principal balances
999999999v99
Sum of all the Accrued Interest
999999999v99

CHAR

FILLER

12-15

16-20
21-26
27-37

11

38 - 48

223

49-256

Page 3of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

“01”

Record 01 should occur one time per
loan.
Subsidized and unsubsidized loans
must be sent as separate records.

RECORD 01 - BORROWER RECORD: ONE RECORD PER LOAN
01

02

01-02

09

03-11

01

12-12

25

13-37

CHAR

01 Record ID

NUM
Borrower Social Security Number
NUM
Set Number
CHAR
Borrower Name

R

R
X

Internal Use Only

R

LASTNAME, FIRSTNAME M.
For names exceeding 25 characters,
supply complete last name, followed
by a comma and as many characters
as possible of the first name.

CHAR
10

38-47

Student’s Social Security Number

DATE
06

48-53

06

54-59

02

60-61

02

62-63

Separation Date

DATE
Grace End Date
NUM
Number Months Grace
NUM
Number of Disbursements

C

Required for Plus
Loans

For PLUS Grad loans, this field will
match borrower SSN.
For SSN’s with leading zero’s, make
sure to pass the leading zero. This is
a character field, so 10th position of
the field is to be left blank.
MMDDYY
For Stafford loans: Date on which
borrower ceased to be enrolled at
least half-time, or anticipated grad
date if in the future. For PLUS Loans,
(including PLUS Grad)use the final
disbursement date.
System Calculated value.

R

X
R
X

06 or 00

For Stafford loans: 06
For PLUS & Grad PLUS: 00
System Calculated Value

Page 4of 29

Rec
Code

Field
Length

Field
Position

05

64-68

02

69-70

02

71-72

03

73-75

06

76-81

01

82-82

20

83-102

02

103 104

01

105 105

Deferment Flag

06

106 111

First Disbursement Date

06

112 117

06

118 123

Data
Type

Data Fields

NUM
Interest Rate
CHAR
Guarantor Code
NUM
Loan Status
CHAR

Interest Code

DATE
Accrued Through Date
CHAR
New Borrower Code
CHAR
Driver License Number
CHAR
Driver License State
CHAR

DATE
Birth Date
DATE

Actual Grad Date

*
R

Conditional
Requirements

Valid Values

X

Not used; Required in Disbursement
record 08

R

See Table 3

X

System
Calculated
Value

X

Not used; Required in Disbursement
record 08
(determined based upon purchase
date; not provided in this field)
Internal Use Only

X
X
C

C

Format / Definitions

Required if
License State is
passed.
Required if
License number is
passed.

Valid State
code. See
Table 6

X
X

Internal Use Only

R

MMDDYY

X

MMDDYY
For Grad PLUS loans passed before
the repayment begin date (day after
last disbursement, this is used to
record the student’s anticipated grad
date. See deferment begin and end
date below for loans passed after the
repayment begin date.
Not applicable, as loans eligible for
purchase must be fully disbursed.

03

124 126

CHAR

Fee Group Code

X

Page 5of 29

Rec
Code

Field
Length

Field
Position

Data
Type

01

127

CHAR

129

128256

Data Fields
Borrower Citizenship Code

*
R
N

Conditional
Requirements

Valid Values

Format / Definitions

Blank
C = US Citizen
M = Canadian
R=
Permanent
Resident
O = Other

Filler

Page 6of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

“02”

02 Record is a required record if the
borrowers account has any deferment
months.

RECORD 02 - DEFERMENT DATA RECORD: ONE RECORD PER LOAN
02

02

06

01-02

03-08

06

09-14

02

15-16

02

17-18

02

19-20

02

21-22

02

23-24

02

25-26

02

27-28

02

29-30

02

31-32

02

33-34

02

35-36

02

37-38

01

39-39

Char

DATE

DATE
NUM,
NUM
NUM
NUM
NU M
NUM
NUM
NUM
NUM
NUM
NUM
NUM
CHAR

02 – Record ID

C

If a deferment
begin date is
provided, at least
one of the data
items for # of
Months must have
a value

Deferment End Date

C

Required if
Deferment Begin
Date is provided

Months Forbearance

N

Months Student Deferment

N

Months Fellowship Deferment

N

Months Public Heath Deferment

N

Months Armed Forces Deferment

N

Months Peace Corps Deferment

N

Months Vista Deferment

N

Months Internship Deferment

N

Months Tax Exempt Deferment

N

Months Unemployment Deferment

N

Months Disability Deferment

N

Months Rehabilitation Deferment

N

Deferment Type

C

Deferment Begin Date

Required if
Deferment Begin
Date is provided

MMDDYY
For Grad PLUS loans that have been
fully disbursed, populate this field with
the day after the last disbursement
date.
MMDDYY
For Grad PLUS loans, populate this
field with the anticipated graduation
date.

See Table 4

Page 7of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions
If currently in a forbearance, provide
day after forbearance end date.

06

40-45

06

46-51

06

52-57

07

58-64

07

65-71

02

72-73

02

74-75

02

76-77

02

78-79

02

80-81

175

82-256

DATE

DATE
DATE
NUM
NUM
NUM
NUM
NUM
NUM
NUM

Interest Capitalization Date

C

If a date in the
past is provided,
there must be an
amount in
Capitalized
interest in record
08.

If in a deferment and loan is
unsubsidized, provide day after
deferment. If neither condition exists,
and there was a prior cap, provide
date of last capitalization.
If Stafford, unsub loan in an in-school
status, do not send a cap date;
system will automatically assess to
equal day after grace end.

Commit Begin Date

X

MMDDYY

Commit End Date

X

MMDDYY

Commit Amount

x

78 Interest Amount

N

Months Economic Hardship Def

N

Months Motherhood Deferment

N

Months NOAA Deferment

N

Months Parental Leave Deferment

N

Months Teacher Deferment

N

FILLER

Page 8of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

RECORD 03 - PAYMENT DATA: ONE RECORD PER LOAN
03

03

02

06

01-02

03-08

CHAR

03 Record ID

R

DATE

Date of Prior Servicer’s Earliest Unpaid
Installment

C

“03”

One 03 Record per set of borrower
data.
MMDDYY
Used to determine where the loan is
in the due diligence cycle.
If loan is in school, grace, deferment
or forbearance, leave blank.
If in repayment and paid ahead,
provide the future date the next
installment is due.

06

09-14

07

15-21

07

22-28

06

29-34

06

35-40

06

41-46

06

47-52

07

53-59

02

60-61

03

62-64

03

65-67

06

68-73

DATE
NUM
NUM
DATE
DATE
DATE
DATE
NUM
CHAR
CHAR
CHAR
DATE

Date of Last Borrower Payment

N

MMDDYY

Principal Amount of Last Payment

X

Internal Use Only

Interest Amount of Last Payment

X

Internal Use Only

First Day Delinquent

X

Internal Use Only

Interim Delinquency Date

X

Date Last Borrower Notice Sent

X

Internal Use Only

Date Disclosure Sent To Borrower

X

Internal Use Only

Monthly Fixed Payment Amount

C

Repayment Plan Code

R

Discipline Code (HEAL)

X

Internal Use Only

FILLER

X

Internal Use Only

Date Last Account Statement Sent

X

Internal Use Only

Not currently used

MMDDYY

Required if
account is in
repayment

99999v99
SEE Table 5

Page 9of 29

Rec
Code

Field
Length

Field
Position

06

74-79

06

80-85

171

86-256

Data
Type

DATE
DATE
CHAR

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

Deferment / Forbearance
Certification Date

N

MMDDYY
Provide the certification date for the
current (or most recent) deferment/
forbearance when applicable.

Separation Certification Date

N

MMDDYY

FILLER

N

Page 10of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

“04”

One “04” record per loan

RECORD 04 - INTEREST AND LATE CHARGE RECORD: ONE RECORD PER LOAN
04

02
07

01-02
03-09

CHAR
NUM

04 Record ID

R

Current Due

X

Internal Use Only
99999v99

07

10-16

07

17-23

07

24-30

07

31-37

07

38-44

07

45-51

02

52-53

02

54-55

02

56-57

07

58-64

07

65-71

07

72-78

01

79

177

80-256

NUM

NUM
NUM
NUM
NUM
NUM
NUM
NUM
NUM
NUM
NUM
NUM
CHAR
CHAR

If borrower owes
any partial
payments.

Used when account is delinquent, and
a partial payment was made.
Represents the remaining amount of
the installment due. Example:
installment amount = $50, $30 was
paid, $20 should be placed in this
field.

Partial Due Amount

C

Interest Current Due

X

Internal Use Only

Interest Past Due

X

Internal Use Only

Borrower Interest Paid in Current Yr.

X

Internal Use Only

Borrower Interest Paid in Prior Year

X

Internal Use Only

Maximum Interest Rule 78”s

N

99999v99

Post Deferment Grace Months

N

Number of Forbearances

N

Number of Payments Made

N

Late Charges Accrued

N

99999v99

Total Late Charges Paid

N

99999v99

X

Internal Use Only

X
N

Internal Use Only

Last Late Charge Paid
Late Charge Code
FILLER

Page 11of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

“05”

One “05” record per loan

RECORD 05 - SUPPLEMENTAL BORROWER DATA: ONE RECORD PER LOAN
05

02

01-02

10

03-12

10

13-22

10

23-32

01

33-33

01

34-34

06

35-40

06

41-46

01

47-47

01

48-48

01

49-49

01

50-50

01

51-51

01

52-52

01

53-53

01

54-54

01

55-55

CHAR
CHAR
CHAR
CHAR

CHAR

CHAR
DATE
DATE
CHAR
NUM
CHAR
CHAR
CHAR
CHAR

CHAR
CHAR
CHAR

05 RECORD ID
Previous Borrower Name
Home Phone Number
Alternate Phone Number

Home Phone Code

Alternate Phone Code
Address Effective Date
Address Status Date
Address Condition Code
Address Source Code
Loan Type Code
Cosigner Indicator
Cosigner Due Diligence Indicator
Enrollment Code
Independent/Dependent Student
Indicator
Claim Code
Student Status Verification Source

R
X

Internal Use Only

R

Telephone numbers must include
area code.
Telephone numbers must include
area code

N

“G” = Good
“B” = Bad

R

C

Provide if business
phone is provided

“G” = Good
“B” = Bad

N

MMDDYY

N

MMDDYY

R

“G” = Good
“B” = Bad

X

NULL

R

D = Grad PLUS
G = STAFFORD
P = PLUS

Internal Use Only

X

Provided in Record 8

X

Internal Use Only

C

“F” = Full time
“H” = Half
Time
blank

Leave blank if no longer enrolled at
least half time

X

Internal Use Only

X

Not applicable

X

Internal Use Only

Page 12of 29

Rec
Code

Field
Length

Field
Position

06

56-61

01

62-62

09

63-71

Data
Type
CHAR
CHAR

NUM

DATE

Data Fields

School Code
Variable Cap Code

Gradation Factor

06

72-77

01

78

04

79-82

02

83-84

CHAR

School Campus Code

172

85256

CHAR

FILLER

CHAR
NUM

Next Gradation Date

Disclosure To Be Sent Code
Loan Origination Code

*
R

Conditional
Requirements

R

Valid Values

Format / Definitions

VALID USOE
(FICE #)

First six digits of USOE (FICE #) of
last school attended

X

C

Required for
Graduated
Repayment plans

C

Required for
Graduated
Repayment plans

X

9999v99999
Related to Graduated Repayment
plans; will require individual
discussion with each lender if
graduated plans are used\
MMDDYY
Related to Graduated Repayment
plans; will require individual
discussion with each lender if
graduated plans are used
Internal Use Only

X
R

Last two digits of USOE (FICE #) of
last school attended; use 00 if no
branch code available

Page 13of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

RECORD 06 - BORROWER ADDRESS RECORD: ONE RECORD PER LOAN
06
02
01- 02
CHAR
06 Record ID
06

25

03-27

25

28-52

16

53-68

02

69-70

05

71-75

04

76-79

01

80-80

50

81-130

176

131256

CHAR
CHAR
CHAR
CHAR
CHAR
CHAR

CHAR

CHAR

*
R

Conditional
Requirements

R

Borrower Street Address

R

Borrower “Care of” Address

N

Borrower City

R

Borrower State

R

Borrower Zip

R

Borrower Zip +4

N

Foreign Address Code

C

Borrower E-Mail Address

N

Valid Values

Format / Definitions

“06”

One “06” record per loan
Fit as much of the primary address as
will fit in the spaces available.
Can be used as “overflow”; data on
this line will appear above the street
address when printing on output.

Must be blank if foreign address

Required if foreign
address

“F” = Foreign
address
SPACE =
domestic
address

Spaces

Page 14of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

RECORD 07 - DISBURSEMENT DATA RECORD: ONE RECORD PER DISBURSEMENT
One 07 record per disbursement;
multiple 07 records may be required.
07

07

02

01-02

02

03-04

06

05-10

06

11-16

08

17-24

08

25-32

08

07

33-40

41-47

08

48-55

07

56-62

CHAR

NUM

DATE
DATE
NUM
NUM

NUM

NUM

NUM

NUM

07 Record ID

R

Disbursement Number

R

Note Date

R

Disbursement Date

R

Note Amount

R

Disbursement Amount

R

Borrower Paid Principal Amount

Borrower Paid Interest Amount

“07”

Valid values
are 01 thru 64

Do not send records for amounts
cancelled prior to disbursement
Sequential numbering of
disbursements being sent for this
loan; used to link the disbursement
level records together; not necessarily
the same as disbursement segment
MMDDYY
Borrower signature date
MMDDYY
Funding Date
Sum of all disbursements for this loan.
999999v99
999999v99

C

Required if any
principal reduction
has occurred

999999v99
Any principal reduction excluding
school refunds and cancellations for
this disbursement. See CrossFoot
instructions on first page.

C

Required if any
interest has been
paid by the
borrower

99999v99

Principal Balance Outstanding

R

Borrower Accrued Interest

N

999999v99
Remaining balance for this
disbursement
See CrossFoot instructions on first
page
99999v99
The amount of interest accrued and
unpaid on this disbursement, as of
the “Accrued Through” date (which
will be determined for each transfer;
see notes on page 1)

Page 15of 29

Rec
Code

Field
Length

Field
Position

07

63-69

01

70-70

02

71-72

08

73-80

01

81-81

04

82-85

11

86-96

02

97-98

10

99108

Data
Type
NUM

CHAR

NUM
Num
CHAR
CHAR
NUM
NUM
NUM

01

109109

CHAR

06

110115

DATE

02

116117

CHAR

01

118118

CHAR

06

119124

DATE

01

125125

CHAR

04

126129

CHAR

Data Fields

Interest Receivable Government

*
R

Conditional
Requirements

Valid Values

X

Format / Definitions
Internal Use Only

4 = Subsidized
Interest
8 = Non
subsidized
interest

Benefit Code

R

Bond Identifier Code

N

Average Daily Balance

X

999999v99

Cosigner Code

X

Internal Use Only

Promotional Code

X

Application Number

N

Disbursement Segment

R

Check Number

N

Disbursement Type

N

Check Delivery Date

X

Grade Level

R

Space

X

Loan Guarantee Date

N

Lender of Last Resort

N

Client Product ID

X

“1”
“2”
Etc…..

Disbursement number for multiply
disbursed loans (first, second, third
etc disbursement of the loan)

C = Check or
Master Check
E = EFT
Space
Internal Use only
See table 07

MMDDYY
“Y” or blank

Page 16of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

01

130130

CHAR

MPN Confirmation Code

N

01

131131

CHAR

Federal Application Code

N

01

132132

CHAR

Serial Loan Code

N

06

133138

DATE

School Loan Certification Date

N

19

139157

CHAR

CommonLine Unique ID

N

04

158161

NUM

Loan Origination Indicator Code

X

01

162162

04

163166

01

167167

CHAR

NUM

CHAR

Fully Disbursed Indicator

Borr Incentive Plan Code

Assigned Incentive Indicator

N

Conditional
Requirements

Valid Values
Y = Yes, valid
MPN exists; N =
No, a valid MPN
does not exist; U
= Unknown – the
service provider
does not know if a
valid MPN exists.
B = Federal
Stafford
Application/Prom
Note; M = MPN; P
= Federal PLUS
Application/Prom
Note.
Q = PLUS MPN
G = Grad PLUS
Indicates how the
school intends to
use the master
promissory note
(MPN). Values: N
= New MPN; S =
Serial MPN.

MMDDYY

C = Fully
disbursed by
Cancellation
F = Fully
Disbursed
P = Partially
disbursed

As loans must be fully disbursed, P
will not be a valid value
All borrowers will be eligible for .25%
ACH reduction. No value required, as
this will be assigned by the ED
Servicer.

X

X

Format / Definitions

A = Servicer
Assigned
C = Client
Assigned

Page 17of 29

Rec
Code

Data
Type

Data Fields

*
R

168173

DATE

Application Received Date

N

08

174181

CHAR

NCHELP Guar Code

X

04

182185

NUM

Loan Origination Code

X

02

186187

CHAR

E-Signature (Authentication) type code

C

06

188193

DATE

Blanket Approval Date

N

01

194

CHAR

Borrower E-Signature Indicator Code

C

01

195

CHAR

PLUS/ ALT Student E-signature
Indicator Code

N

Field
Length

Field
Position

06

09

196204

CHAR

ESIGN Source

C

01

205

CHAR

Guarantee Type

N

6

206211

NUM

Original Lender ID

R

45

212256

CHAR

FILLER

N

Conditional
Requirements

Valid Values

Format / Definitions

MMDDYY

Required if loan
was e-signed

“F” = FAFSA
PIN
P = pinless
BLANK
MMDDYY

Required if loan
was e-signed

Required if loan
was e-signed

Y = E Signature
Blank = Not E
Signature
Y = E Signature
Blank = Not E
Signature
S = School
L = Lender
G = Guarantor
O=
Guarantor/Service
r
And the 8 digit
OPEID or
NCHELP
assigned id
B = Blanket
Guarantee
SPACE =
Traditional
Guarantee

Used only when the student is not the
borrower and has also e-signed

Lender code of the Original lender
(lender at time of disbursement of the
funds).

Page 18of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

RECORD 08 - CLAIM AND ENROLLMENT DATA: ONE RECORD PER DISBURSEMENT
08

08

02

01-02

02

03-04

06

05-10

06

11-16

06

17-22

06

23-28

08

29-36

07

37-43

08

44-51

07

52-58

08

59-66

05

67-71

03

72-74

06

75-80

06

81-86

07

87-93

Char
NUM

DATE
DATE
DATE
DATE
NUM
NUM
NUM
NUM
NUM
NUM
CHAR
DATE
DATE
NUM

One record required for each
corresponding “07” record
Sequential number of disbursements
being reported – links data with record
07

08 Record ID

R

“08”

Disbursement Number

R

Valid values 1
- 64

Claim Filed Date

X

Claim Paid Date

X

Claim Reject Date

X

Refund / Cancellation Date

C

Refund /Cancelled Amount

C

Capitalized Interest Amount

C

Principal Paid by Claim

X

Interest Paid by Claim

X

Loan ID Number

X

Interest Rate

R

V99999
(Example 8.5% = .08500)

Interest Code

R

Use FX space

Loan Period Start Date

R

MMDDYY

Loan Period End Date

R

MMDDYY

Loan Origination Fee paid by the
borrower

C

Required if claim
paid date is
provided

MMDDYY
Not applicable
MMDDYY
Not applicable
MMDDYY
Not applicable

Required if refund
amount is
provided
Required if refund
date is given
Required if any
interest has been
capitalized
Required if claim
paid date is given
Required if claim
paid date is
provided

Required if
applicable

MMDDYY
99999v99
99999v99
99999v99
Not applicable
99999v99
Not applicable

99999v99

Page 19of 29

Rec
Code

*
R

Field
Length

Field
Position

07

94100

NUM

Insurance Premium (guarantee fee/
Default fee) paid by the borrower

C

04

101104

CHAR

Credit Score Code

N

14

105118

CHAR

Certificate ID

X

21

119139

CHAR

Loan Identification

C

01

140140

CHAR

Loan ID Source

X

02

141142

CHAR

Underlying Loan Type

X

01

143143

CHAR

Loan Add or Increase Code

X

Data
Type

Data Fields

06

144149

NUM

Payee Code

X

50

150199

CHAR

Payee Name

X

7

200206

NUM

Loan Origination Fee paid by the client

C

7

207213

NUM

Unreported Capitalized Interest OID

N

7

214220

NUM

Unreported Loan Origination Fee OID

N

Conditional
Requirements

Valid Values

Required if
applicable

Format / Definitions

99999v99

Guarantor’s
unique loan ID

Required for
Consolidation
loans Servicer
originates
Required for
consolidation
loans if loan add
on or increase
Servicer originates
Required for
consolidation
loans Servicer
originates
Required for
consolidation
loans Servicer
originates
Required if
applicable

Not applicable

“A”

“A” = Add on to consolidation loan

“I”

“I” = increase consolidation loan

SPACE

Not applicable
Office of Education code of Payee
Not applicable
Name to Print on Guarantor
Notification of Loan consolidation
Not applicable
99999v99
99999v99
The amount of capitalized interest
OID that ED Servicer will be
responsible to report on 1098E’s.
99999v99
The amount of origination fee OID
paid by the borrower that ED Servicer
will be responsible to report on
1098E’s.

Page 20of 29

Rec
Code

Field
Length

Field
Position

7

221 227

7

228 234
22

235256

Data
Type

Data Fields

*
R

Conditional
Requirements

NUM

Guaranty (Default) Fee Paid by the
Guarantor

C

Required if
applicable

NUM

Guarantor (Default) fee paid by the
lender

C

Required if
applicable

CHAR

FILLER

N

Valid Values

Format / Definitions
99999v99
The amount of the default fee which
was paid by the guarantor and not the
borrower
99999v99
The amount of the default fee which
was paid by the lender and not the
borrower.

Page 21of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

RECORD 09 – SUMMARIZED DISBURSEMENT DATA – USED ONLY IF ALLOCATION OF FINANCIAL AMOUNTS CANNOT BE MADE AT THE DISBURSEMENT
LEVEL.
09

02

01-02

08

03-10

07

11-17

08

18-25

07

26-32

08

33-40

07

41-47

07

48-54

07

55-61

07

62-68

07

69-75

CHAR

09 Record ID

R

Summary Principal Balance

N

999999v99

Summary Capitalized Interest

N

99999v99

Summary Principal Paid

N

999999v99

Summary Interest Paid

N

99999v99

Summary Principal Paid by Claim

N

999999v99

Summary Interest Receivable Borr

N

99999v99

Summary Interest Paid by Claim

N

99999v99

Summary Loan Origination Fees paid by
the borrower

N

99999v99

N

99999v99

NUM

Summary Insurance Premiums
Summary Loan Origination Fees paid by
the client

N

99999v99

N

NUM
NUM
NUM
NUM
NUM
NUM
NUM
NUM
NUM

07

76-82

NUM

Summary Unreported Capitalized
Interest OID

07

83-89

NUM

Summary Unreported Loan Origination
Fee OID

N

167

90-256

CHAR

FILLER

N

“09“

Optional use only

99999v99
Summarized amount of capitalized
interest OID that ED Servicer will be
responsible to report on 1098E’s.
99999v99
Summarized amount of loan
origination OID that ED Servicer will
be responsible to report on 1098E’s.
Fill with spaces.

Page 22of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

RECORD 10 - REFERENCE DATA: ONE RECORD PER LOAN
Record 11 should occur one time for
each reference,
PLUS endorsers are passed in this
record.
10

02

01-02

CHAR

10 Record ID

R

“10”

For Parent PLUS loans, include a
record for the student.
The standard request is two “regular”
references in addition to the above.

10

02

01

28

03-04

05-05

06-33

28

34-61

09

62-70

06

71-76

CHAR

CHAR

CHAR

CHAR

NUM
DATE

Reference number

Reference Type

Reference Name

Sequential number of underlying
references. Used to match Record 10
and 11.

R

“D”
“M”
“S”
SPACE

C

For names exceeding 25 characters,
supply complete last name if possible,
followed by comma, and as many
characters as possible of the first
name.

R

Reference C/O Line

N

Reference SSN

C

Reference Birth Date

C

“D” = Dependent Student, PLUS loans
only
“S” = Cosigner/ Endorser
SPACE = other Reference
LASTNAME, FIRSTNAME M.

Can be used as “overflow”; data on
this line will appear above the street
address when printing on output. (see
record 11)
Required if ref
type = “D” or “S”
Required if ref type
= “D” or “S”

MMDDYY

Page 23of 29

Rec
Code

Field
Length

Field
Position

180

77256

Data
Type

Data Fields

*
R

Conditional
Requirements

Valid Values

Format / Definitions

FILLER

Page 24of 29

Rec
Code

Field
Length

Field
Position

Data
Type

Data Fields

*
R

RECORD 11 - REFERENCE DATA:

ONE RECORD PER LOAN

11

11 Record ID

R

Reference Number

R

02

02

01

01-02

03-04

05-05

28

06-33

16

34-49

02

50-51

05

52-56

04

57-60

10

61-70

10

71-80

176

81-256

CHAR

NUM

CHAR

CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR
CHAR

Reference Foreign Address Code

C

Reference Street Address

R

Reference City

R

Reference State Code

R

Reference Zip Code

R

Reference Zip+4

N

Reference Residence Phone Number

R

Reference Alternate Phone Number

N

Conditional
Requirements

Valid Values

“11”

Required if
address is foreign

Format / Definitions

Record 11 should occur one time for
each reference. One record required
for each “10” record.
Sequential number of underlying
references – Used to match Record
10 and 11

“F” if address
is foreign
SPACE if
address is
domestic
Provide as much of the primary
address as will fit in the spaces
available.

Must be blank if foreign address

Spaces

Page 25of 29

Table 1 – (Table Intentionally Left Blank)

Pos 1

Code
Pos
2

Pos
3

Loan
Type

Date Range

Comments

Table 2 – (Table Intentionally Left Blank)

Pos 1

Code
Pos
2

Description

Pos
3

Table 3 - Guarantor Codes (FFELP)
GUAR
CODE
AR
CA
CO
CT
FL
GA
IL
IA
KY
LA
ME
MA
MI
MO
MT
NE

GUARANTOR CODE DEFINITION
Student Loan Guarantee Foundation of Arkansas
California Student Aid Commission
Colorado Student Loan Program
Connecticut Student Loan Foundation
Florida Department of Education (OSFA)
Georgia Higher Education Assistance Corporation
Illinois Student Assistance Commission
Iowa College Student Aid Commission
Kentucky Higher Education Assistance Authority
Louisiana Office of Student Financial Assistance
Finance Authority of Maine
American Student Assistance
Michigan Higher Education Assistance Authority
Missouri Student Loan Program
Montana Guaranteed Student Loan Program
National Student Loan Program

NCHELP Guarantor ID
705
706
708
709
712
713
717
719
721
722
723
725
726
729
730
731

Page 26of 29

GUAR
CODE
NH
NJ
NM
NY
NC
ND
OK
OR
PA
RI
SC
SD
TN
TX
UH
VT
WA
GL
US
TG

GUARANTOR CODE DEFINITION
New Hampshire Higher Education Assistance Foundation
New Jersey Higher Education Student Assistance Authority
New Mexico Student Loan Guarantee Corporation
New York Higher Education Service Corporation
North Carolina State Education Assistance Authority
Student Loans of North Dakota
Oklahoma Guaranteed Student Loan Program
Oregon Student Assistance Commission
Pennsylvania Higher Education Assistance Agency
Rhode Island Higher Education Assistance Authority
South Carolina Student Loan Corporation
Education Assistance Corporation
Tennessee Student Assistance Corporation
Texas Guaranteed Student Loan Corporation
Utah Higher Education Assistance Authority
Vermont Student Assistance Corporation
Northwest Education Loan Association
Great Lakes Higher Education Corporation
United Student Aid Funds
Educational Credit Management Corporation

NCHELP Guarantor ID
733
734
735
736
737
738
740
741
742
744
745
746
747
748
749
750
753
755
800
927

Table 4 - Deferment Type Codes
CODE

DEFERMENT TYPE DEFINITIONS

S

In School

R

Rehabilitation

F

Graduate Fellowship

U

Unemployment

C

Economic Hardship

W

Military (Active or national Guard Duty)

E

Forbearance

Page 27of 29

Table 5 - Repayment Plan Codes (this is not a comprehensive list; used for illustration only)
CODE
A

REPAYMENT PLAN DEFINITIONS

I

10-year level plan; $30 / $50 minimum payment amount, based upon disbursement dates.
Graduated plan; $30 minimum payment amount; 10-year term; gradates every 24 months; last amount
cannot be more than 3 times the first.
Income sensitive plan.

X

10-year level plan; no minimum payment amount.

G

A1
B1

K1

10-year graduated plan; $50 minimum payment amount; 2 years of interest only, and then level principal and
interest for remaining term.
Extended Level plan; 25 year term; $50.00/mo. Minimum. Restrictions: Principal + Interest total must be at
least $30,000.00 (can be spread across multiple accounts and/or multiple lenders/servicers): oldest
disbursement date must be 10/7/98 or later.
Extended Graduated plan; 25 year term; $30.00/mo. Minimum; graduates every 24 mos; last amount can not
be more than 3 times the first. Restrictions: Principal + Interest total must be at least $30,000.00 (can be
spread across multiple accounts and/or multiple lenders/servicers): oldest disbursement date must be 10/7/98
or later.

Table 6 - State Codes
CODE
AL
AK
AR
AZ
CA
CO
CT
DE
FL
GA
HI
ID
IL
IN
IA
KS
KY
LA
MA
MD

DEFINITIONS
Alabama
Alaska
Arkansas
Arizona
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Massachusetts
Maryland

CODE
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VA
VT
WA
WI
WV
WY

DEFINITIONS
New Jersey
New Mexico
Nevada
New York
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Virginia
Vermont
Washington
Wisconsin
West Virginia
Wyoming

Page 28of 29

CODE
ME
MI
MN
MO
MS
MT
NC
ND
NE
NH

DEFINITIONS
Maine
Michigan
Minnesota
Missouri
Mississippi
Montana
North Carolina
North Dakota
Nebraska
New Hampshire

CODE
AA
AE
AP
AS
CM
DC
GU
PR
TT
VI

DEFINITIONS
American Continent/Canada
Europe
Pacific Islands
American Samoa
Northern Mariana Islands
District of Columbia
Guam
Puerto Rico
Trust Territories
Virgin Islands

Table 7 - Grade Level Codes
CODE
01

DEFINITIONS
Freshman

CODE
07

DEFINITIONS
Graduate, 2nd year

02

Sophomore

08

Graduate, 3rd year

03

Junior

09

Graduate, 4th year

04

Senior

10

Graduate, 5th year

05

Fifth-year undergraduate

19

Grade level unknown

06

st

Graduate, 1 year

Page 29of 29

Paperwork Burden Statement
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collection of information unless such collection displays a valid OMB control number. The
valid OMB control number for this information collection is 1845-0087. The time required to
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the time estimate(s) or suggestions for improving this form, please write to: U.S.
Department of Education, Washington, D.C. 20202-4537. If you have comments or concerns
regarding the status of your individual submission of this form, write directly to: Policy
Liaison and Implementation, Federal Student Aid, U.S. Department of Education, 400 Maryland
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