Download:
pdf |
pdfDCIA Aging and Compliance
Data Requirements
for Guaranty Agencies
Issue Date: April 2, 2020 (Planned)
Effective Date: October 1, 2020*
*Reporting Period FY 2021 - 1(OCT)
PREPARED BY:
Finance Office
Financial Reporting and Analysis Division
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021-1(OCT)]
Table of Contents
1.0 Introduction ........................................................................................................................................... 1
Aging Specifications
2.0 DCIA Aging Requirements ................................................................................................................... 5
Data Set Specifications
3.0 Preparation of the Data Sets .............................................................................................................. 11
4.0 MR-24 Collection Terminations Write-Off Data Set ......................................................................... 13
5.0 MR-32 Loan Ending Balance Aging Data Set ................................................................................... 21
6.0 MR-32 & MR-41 Loan Ending Balance Disposition Data Set .......................................................... 25
7.0 Submission to FSA ............................................................................................................................. 47
Appendixes ................................................................................................................................................ 49
Appendix A – Sample GAFR / ED Form 2000 ..........................................................................................A
Appendix B – DCIA - Compliant Aging Scenario ......................................................................................B
Appendix C – Presentation of MR-32 & MR-41 Loan Ending Balance Disposition Data Set in Microsoft
Excel Format ............................................................................................................................................ C
Appendix D – Mapping GA TOP Referral Business Rules to MR-32 & MR-41 Loan Ending Balance
Disposition Data Set Lines ....................................................................................................................... D
Appendix E – Guaranty Agency List .........................................................................................................E
Appendix F – Glossary of Acronyms ......................................................................................................... F
i
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Version Control
Version
Author
Date
Changes
1.0
C. Alsop
10-02-2019
Approved by FSA and released for
PRA clearance
1.1
C. Alsop
01-13-2020
Updated planned implementation
date, Date Acquired Aging
Methodology table, Title IV claim
types table, and glossary
1.2
P. Janssen
03-18-2020
Updated Table 2.3.1 Date Acquired
Aging Methodology, Table 2.3.2
Frozen Aging Methodology, and
FSA point-of-contacts for technical
questions and submission delivery.
Also added an “Aging Scenario” as
Appendix B, and renumbered the
subsequent appendixes.
ii
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
1.0 Introduction
Federal Student Aid (FSA) uses data supplied by its loan servicers to satisfy mandatory and adhoc debt collection reporting requirements related to receivables due from the public. FSA is
required to submit receivable information to the United States Department of the Treasury
(Treasury), the Office of Management and Budget (OMB), and the Chief Financial Officers’
Council (CFOC).
Treasury, OMB, and the CFOC use receivable financial data to:
• monitor the effectiveness of government-wide receivable management processes via
performance metrics;
• improve data transparency by publicly releasing agency receivable data on a quarterly
basis; and
• inform the United States Congress (Congress) annually of agency debt collection
regulation compliance as required by the Debt Collection Improvement Act of 1996, as
amended (DCIA).
1.1 Purpose
The purpose of this document is to:
•
•
•
•
communicate debt aging requirements per DCIA;
capture detailed information pertaining to the status and collection of Federal Family
Education Loan (FFEL) Program loans authorized by the Higher Education Act of 1965,
as amended (HEA) and defined by Title IV of the HEA (Title IV) that is not currently
available via the Guaranty Agency Financial Report (GAFR) (also known as the ED
Form 2000);
enable FSA to report complete and accurate data to Treasury, as required; and
permit FSA to monitor Guaranty Agency (GA) compliance with DCIA.
1.1.1 Limited Purpose of this Document
This specification document requires the GAs prepare three individual Data Sets, collectively
called the DCIA Aging and Compliance Data Set (DCIA Compliance Data Set). To prepare the
DCIA Compliance Data Set, this document references accounting transactions and GA-specific
operational requirements (i.e., the GAFR, Internal Revenue Service (IRS) Form 1099-C
reporting, etc.). Any references are solely intended to facilitate the GA’s efforts to prepare a
compliant DCIA Data Set and are not intended to provide requirements beyond the scope of
preparing the DCIA Compliance Data Set.
1
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
1.1.2 Points of Contact for Technical Questions
Post-implementation, please submit any technical questions about these requirements via email
to the following email addresses:
To: [email protected]
CC: [email protected]
[email protected]
To facilitate identification, please enter “DCIA Compliance Technical Question” in the email
subject line.
1.2 Scope
The scope of this requirements document is the DCIA-specific aging and compliance data
requirements. The scope of each of the three Data Sets is discussed later in this document.
The three Data Sets are:
•
•
•
MR-24 Collection Terminations Write-Off Data Set
MR-32 Loan Ending Balance Aging Data Set
MR-32 & MR-41 Loan Ending Balance Disposition Data Set
1.2.1 Scope Limitations
The guidance contained in this document is based upon FSA’s policies and business processes
as of the date of this document, unless otherwise noted. Any future revision to FSA’s policies
and/or business processes may require FSA to update and reissue these requirements.
1.3 Frequency
GAs must prepare and submit the individual Data Sets on a monthly or annual basis as follows:
Table 1.3 Data Set Frequency
Data Set
Frequency
MR-24 Collection Terminations Write-Off Data Set (Write-Off Data)
Annually
MR-32 Loan Ending Balance Aging Data Set (Aging Data)
Monthly
MR-32 & MR-41 Loan Ending Balance Disposition Data Set (Disposition Data)
Monthly
2
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
1.4 Document Organization
This document is organized into the following sections:
Table 1.4 Organization of Requirements Document
Section
Section Description
1.0
Introduction: This section provides an overview of the purpose, scope,
and frequency requirement for the reports listed in this document.
Aging Specifications
2.0
DCIA Aging Requirements: This section summarizes the DCIAcompliant aging methodologies applicable to Title IV debt held by GAs.
Data Set Specifications
3.0
4.0 through 6.0
7.0
Preparation of the Data Sets: This section provides important
information necessary to prepare the DCIA Compliance Data Set.
DCIA Compliance Data Set Specifications: These sections provide
details regarding each Data Set’s purpose, scope, frequency, and
layout. Line-by-line instructions and a presentation view of the Data
Set are also included in each section.
Submission to FSA: This section explains how to package the files for
submission to FSA.
Appendixes
3
A
This appendix presents an example of an approved GAFR.
B
This appendix presents an example of the Disposition Data Set when
uploaded to Microsoft Excel.
C
This appendix provides a mapping of GA TOP Referral Business
Rules to the Disposition Data Set lines.
D
This appendix lists active GAs by their GA codes.
E
This appendix lists commonly used acronyms referenced throughout
this document.
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
4
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
2.0 DCIA Aging Requirements
2.1 Background
This section describes the compliant methodologies for aging Title IV loan debt for DCIA
purposes 1. This section also explains how to determine a loan’s eligibility for referral to the
Treasury Offset Program (TOP) based upon the loan’s age of delinquency (i.e., greater than
120 days delinquent). This section also explains how to age DCIA-aged debt in accordance
with the United States Department of Education (the Department) and Treasury’s Office of
General Counsel (OGC) guidance. The methodology described in this section is independent of
the methodologies followed to age debt for other purposes including for Title IV. As such, this
guidance is not intended to revise or replace any of other aging methodologies the GAs are
required to follow.
2.2 Definitions of Key DCIA-Related Terms
Listed below are key DCIA-related terms used later in this section and throughout this
document. To facilitate identifying these terms, all key terms are capitalized.
•
DCIA Aging Methodology for Title IV Loan Debt: The methodology to age Title IV
loan debt for DCIA purposes including determining a debt’s eligibility for referral to TOP
based upon its age. Section 2.3 of this document includes a full description of the DCIA
Aging Methodologies including: 1) criteria for identifying debt to apply the methodology,
2) methodology for determining debt age in number of days, 3) methodology for
calculating dollar amount to report, and 4) criteria for transitioning to another aging
methodology.
•
Title IV Default: Per Title IV, a loan enters default if the loan exceeds 270 days of
delinquency. 2 Based upon existing business processes, all Title IV debt held and
serviced by a GA is in Title IV Default.
The aging methodology to follow and consequently how to age GA-held debt is independently
determined for each individual debt.
1
2
5
20 U.S.C. 1085(l)
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
•
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Title IV Claim Types: Per Title IV, a GA can request reimbursement from FSA for
Defaults and other FFEL Program claims it paid to lenders. Claims paid to lenders and
included in the federal receivable 3 are aged. Claims paid to lenders and not included in
the federal receivable are not aged and, as a result, neither of the two GA-applicable
DCIA Aging Methodologies are applicable.
Title IV Claim
Types
Included
Not Included
in the Federal Receivable
in the Federal Receivable
and Aged for DCIA
and Not Aged for DCIA
• Defaults
• Death/Disability 4
• Exempt/Lender-of-Last- • Closed School/False
Resort (LLR)
Certification
• Bankruptcy
• Unpaid Refunds
• Other Discharges 5
2.3 DCIA Aging Methodologies Applicable to GAs
Per DCIA, there are two distinct aging methodologies applicable to GAs. The appropriate
methodology is determined by the Title IV Claim Type of the debt (i.e., Defaults, Exempt/LLR
are included in the federal receivable and aged; all other claim types are not included in the
federal receivable nor aged).
The remainder of this section describes each of the two DCIA aging methodologies in more
detail. Note, per DCIA, there are only two possible DCIA Delinquency Statuses – Current or
Delinquent. Based upon existing business processes, debt held by a GA is always “delinquent”
for DCIA purposes.
The federal receivable is defined as the amount reported on MR-32 Ending Balance of
Defaulted Loans. The amount reported on MR-32 is reported on FSA’s financial statements.
3
Disability claims are also called Total and Permanent Disability Discharge (TPD Discharge)
claims.
4
Other discharges include Teacher Loan Forgiveness Program discharges and partial
discharges of consolidation loans.
5
6
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Figure 1 - Relationship between DCIA Aging Methodologies for Debt Held by GAs
7
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
2.3.1 Date Acquired Aging
For DCIA purposes, a debt in the Default Title IV Loan Status should be aged using the Date
Acquired Aging Methodology unless the Frozen Aging Methodology is triggered.
The following table describes the Date Acquired Aging Methodology.
Table 2.3.1 Date Acquired Aging Methodology
Date Acquired
Aging
Methodology
Applicable for Title IV
Claim Types
Criteria to Start Aging
Methodology:
Determining Age
Valid DCIA
Delinquency Status(es)
Determining Dollar
Value of Delinquency
Applicability and Criteria
• Defaults
• Exempt/LLRs
Default claim debt acquired by FSA via the
FFEL claim process (i.e., GA pays a lender’s
default claim).
• GA resumes collection efforts for a default
claim debt after a period when collection efforts
were suspended as required by law, regulation,
and/or policy.
Methodology
Number of days delinquent (i.e. delinquency)
equals: 6
• Current Date;
MINUS
• Date GA paid lender’s claim (Claim Date)
MINUS
• Days in Frozen Aging (i.e. Number of Days
where Frozen Aging Methodology
applicable.
• Delinquent 7
•
Dollar value of delinquency is the accelerated
full balance due, including principal, interest,
and fees.
Transition to Another DCIA Aging Methodology
Aging Methodology &
• Frozen Aging – Collections on a default claim
debt are suspended as required by law,
Criteria for Switching:
regulation, and/or policy.
6
•
Refer to Appendix B for DCIA Aging Scenario.
“Delinquent” is the only valid DCIA Delinquency Status for this aging methodology because
based upon existing business processes, all Title IV debt held by GAs is delinquent.
7
8
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
2.3.2 Frozen Aging
For DCIA purposes, a debt in the Default Title IV Loan Status should be aged using the Frozen
Aging Methodology unless the Date Acquired Aging Methodology is triggered. This
methodology should be followed for the duration of the event that triggered the suspension of
collection efforts and froze the age of the debt.
The following table describes the Frozen Aging methodology.
Table 2.3.2 Frozen Aging Methodology
Applicability and Criteria
Frozen Aging
Methodology
Applicable for Title IV
Claim Types
Criteria to Start Aging
Methodology:
•
•
Defaults
Exempt/LLRs
•
Determining Age:
•
GA suspends collection efforts for a default
claim debt as required by law, regulation,
and/or policy. 8
Methodology
Age of debt is frozen as of the date the loan
entered the Frozen Aging Methodology.
Days delinquent per Frozen Aging equals
Days Delinquent per Date Acquired Aging as
of the date the loan transitioned to the (most
recent period of) Frozen Aging.
•
Valid DCIA Delinquency
Status(es):
Determining Dollar
Value of Delinquency:
•
Delinquent 9
Dollar value of delinquency is the
accelerated full balance due, including
principal, interest, and fees.
Transition to Another DCIA Aging Methodology
Aging Methodology and • Date Acquired Aging – For default claim
debt, the GA resumes collection efforts.
Criteria for switching:
•
Events that may warrant suspended collections include a defaulted debt meeting the criteria
for the military deployment benefit, pending discharge due to death, pending discharge due to
TPD, and bankruptcy stay/hold.
8
Delinquent” is the only valid DCIA Delinquency Status for this aging methodology because
based upon existing business processes, all Title IV debt held by GAs is delinquent.
9
9
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
10
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
3.0 Preparation of the Data Sets
3.1 Common Requirements
Sections 4.0–6.0 provide line-by-line instructions explaining the specific information required for
each Data Set requirement. Appendixes C and D contain supplemental information which
should be used when developing and preparing the Disposition Data.
3.1.1 Common Requirements
The collective DCIA Compliance Data Set must comply with the requirements listed below.
Table 3.1.1 Common Requirements for the DCIA Compliance Data Set
Common Requirements
10
11
1.
Report “Number” as the quantity of debts (i.e., number of loans).
2.
Report “Dollars” as the sum of all amount types (i.e., principal, interest, and other
fees 10, if applicable) that result in activity or a balance.
3.
Sum all activity and balances for a line. If the total results in a debit balance,
report the amount as positive. If the total results in a credit balance, report the
amount as negative.
4.
Do not use commas for amounts that have four or more digits. For example,
$2,758.39 should be entered as 2758.39; 1,078 debts should be entered as 1078.
5.
Enter all dollar amounts rounded to the nearest cent/penny. Enter all debt
quantities as whole numbers without cents/pennies.
6.
Enter a debt number of “0” and dollar amount of “0.00”, unless otherwise stated, if
there are no debts that meet the reporting requirements for a given line.
7.
Do not password protect report files unless required to by FSA or your agency’s
data protection policies (i.e., because the files contain personally identifiable
information or sensitive data).
8.
Submit each data requirement as a Comma-Separated Value [Comma Delimited]
(CSV) file and follow the layout specified.
Examples of possible other fees include late charges, collection costs, and attorney’s fees.
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
3.2 Section Outline
Each Data Set requirement section follows a consistent outline or format. Specifically, each
requirement contains the following sections:
•
•
•
•
•
•
Purpose
Scope
Frequency
A high-level overview/summary of the Data Set requirement
Line-by-line instructions
A presentation of the Data Set in Microsoft (MS) Excel format.
3.3 File Layout Requirement
Each Data Set requirement references the following file layout terms:
File Layout Term
Description
Data Element Name
Required field (or “column”) name
Line Name
Required line (or “row”) name
Portfolio Data
Loan data that meets the criteria for
each Line Name (i.e., Number and
Dollars values reflected in the GA’s
system of record)
Identifier Data
GA Code and Reporting Period
information required for each line
The specific requirements for each report’s Data Element Names, Line Names, Portfolio Data,
and Identifier Data are described in the following sections. GAs should follow the file layout
requirement presented for each Data Set requirement as it will ensure that FSA will be able to
consolidate data received from multiple GAs across multiple periods of time.
The remainder of this document and the examples presented will focus on a fictitious GA (i.e.
GA 999) and its DCIA Compliance Data Set submission for the month-ending March 31, fiscal
year (FY) 2020.
12
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
4.0 MR-24 Collection Terminations Write-Off Data Set
4.1 Purpose
The MR-24 Collections Terminations Write-Off Data Set (Write-Off Data) is required in order to
monitor GA compliance with IRS Form 1099-C reporting.
4.2 Scope
The scope of the data is debt reported on GAFR line MR-24 Collection Terminations during the
previous calendar year (CY) (i.e., January through December).
Table 4.2 Reporting Period Scope of Collection Terminations
Current Reporting Period
FY
Quarter
FY 2020
Q1
Q2
Q3
Q4
Reporting Period Scope of Collection
Terminations to Report
Reporting Cycle
Calendar Month/Year
October
2019
November
2019
December
2019
January
2020
February
2020
March
2020
April
2020
May
2020
June
2020
July
2020
August
2020
September
2020
(I.E., Previous Calendar Year)
=
Collection terminations reported during the
previous CY (i.e. 2018).
=
Collection terminations reported during the
previous CY (i.e. 2019)*.
* Per IRS requirements, if filing electronically, reporting entities must submit Form 1099-C to the
IRS by the end of March immediately following the end of the CY being reported (i.e., Form
1099-Cs for collection terminations reported during calendar 2019 should be submitted to the
IRS by March 2020).
4.3 Frequency
Each GA must prepare Write-Off Data annually. Per IRS requirements, electronically filed Form
1099-Cs are due by the end of March immediately following the end of the CY being reported.
Therefore, in accordance with the IRS’ March 31st deadline for electronically filed Form
1099-Cs, Write-Off Data is due to FSA in the following month (i.e., in April of each year).
13
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
4.4 Overview of Data Set Requirement
The Write-Off Data Set captures information related to activity reported on MR-24 during the
previous CY and allocates it by disposition type (i.e., reported to the IRS, not reported to the IRS
because the amount was less than $600, and not reported to the IRS for other reasons). The
Write-Off Data is reported to FSA via the following Data Elements:
•
•
•
•
•
Disposition status (i.e., line name)
Number
Dollars
GA code
Calendar year.
4.5 Data Set Requirements
Line 1 - Data Element Names
Report the five required Data Element Names as shown in the table below.
Data
Element
Data Element Name
1
DISPOSITION_OF_COLLECTION_TERMINATIONS
2
NUMBER
3
DOLLARS
4
GA_CODE
5
CALENDAR_YEAR
Line 1 should display as follows:
14
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Line 2 - Collection Terminations Reported During the Previous Calendar Year
Report the total collection terminations reported on MR-24 during the previous CY.
The table below lists the Data Elements and criteria to report.
Data Element
Criteria
Example
DISPOSITION_ OF
_COLLECTION
_TERMINATIONS
Line Name
Report “Collection Terminations
Reported During the Previous
Calendar Year”.
NUMBER
Number (i.e., quantity of
debts) that meets the
scope of the line.
If 5,478 loans meet the criteria
for this line, report the value as
“5478”.
DOLLARS
Dollar (i.e., debt/loan
amount) value that meets
the scope of the line.
If $879,652.15 meets the
criteria for this line, report the
value as “879652.15”.
GA_CODE
3-digit GA Code
Report “999”.
CALENDAR_YEAR
4-digit CY
Report “2019”.
Note About Line 2 Collection Terminations Reported During the Previous Calendar
Year
Line 2 serves as a control and must agree to the sum of principal, interest and other
amounts for the preceding 12-month CY as reported on GAFR line MR-24. If a GA submits
this Data Set and Row 2 does not agree to the preceding 12-month CY MR-24 total, FSA
will reject the GA’s submission and return it for correction.
Line 2 should display as follows:
15
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Line 3 - Reported to IRS on Form 1099-C
Report the amount of total collection terminations reported on MR-24 during the previous CY
(i.e., reported on Line 2) and reported to the IRS via Form 1099-C.
The table below lists the Data Elements and criteria to report.
Data Element
Example
DISPOSITION_ OF
_COLLECTION
_TERMINATIONS
Line Name
Report “Reported to IRS on
Form 1099-C”.
NUMBER
Number (i.e., quantity of
debts) that meets the
scope of the line.
If 72 loans meet the criteria for
this line, report the value as
“72”.
DOLLARS
Dollar (i.e., debt/loan
amount) value that meets
the scope of the line.
If $24,893.54 meets the criteria
for this line, report the value as
“24893.54”.
GA_CODE
3-digit GA Code
Report “999”.
CALENDAR_YEAR
4-digit CY
Report “2019”.
Line 3 should display as follows:
16
Criteria
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Line 4 - Not Reported and Eligible for 1099-C but Not Required (Less than $600)
Report the amount of total collection terminations reported on MR-24 during the previous CY
(i.e., reported on Line 2) that were eligible for 1099-C reporting but were not reported to the IRS
via Form 1099-C.
The table below lists the Data Elements and criteria to report.
Data Element
Criteria
Example
DISPOSITION_ OF
_COLLECTION
_TERMINATIONS
Line Name
Report “Not Reported and
Eligible for 1099-C but Not
Required (Less than $600)”.
NUMBER
Number (i.e., quantity of
debts) that meets the
scope of the line.
If 10 loans meet the criteria for
this line, report the value as
"10”.
DOLLARS
Dollar (i.e., debt/loan
amount) value that meets
the scope of the line.
If $5,789.87 meets the criteria
for this line, report the value as
“5789.87”.
GA_CODE
3-digit GA Code
Report “999”.
CALENDAR_YEAR
4-digit CY
Report “2019”.
Line 4 should display as follows:
17
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Line 5 - Not Reported to IRS on Form 1099-C (Must Footnote)
Subtract Line 3 and Line 4 from Line 2.
The table below lists the Data Elements and criteria to report.
Data Element
Criteria
Example
DISPOSITION_ OF
_COLLECTION
_TERMINATIONS
Line Name
Report “Not Reported to IRS
on Form 1099-C (Must
Footnote)”.
NUMBER
The balance remaining
after subtracting the
Number value of Line 3
and Line 4 from Line 2.
Report the Numbers result of
subtracting Line 3 and Line 4
from Line 2 (i.e. 5,396) as
“5396”.
DOLLARS
The balance remaining
after subtracting the
Dollars amount of Line 3
and Line 4 from Line 2.
Report the Dollars result of
subtracting Line 3 and Line 4
from Line 2 (i.e. $84,8968.74)
as “848968.74”.
GA_CODE
3-digit GA Code
Report “999”.
CALENDAR_YEAR
4-digit CY
Report “2019”.
Note About Line 5 Not Reported to IRS on Form 1099-C
Line 5 should represent collection terminations from the prior CY that were not reported
to the IRS on Form 1099-C due to reasons other than being less the $600. The
reason(s) for not reporting to the IRS debt included on this line must be explained in a
separate footnote. The explanation can be included in the body of the submission email
or added as a separate MS Word file attachment. See Section 7.0 Submission to FSA
for more information.
Line 5 should display as follows:
18
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
4.6 File Naming
The GAs should use the following file naming configuration.
Table 4.6 Write-Off Data File Naming Configuration
Required File Naming Configuration
yyyymm-WOFF-ccc
Where
•
“yyyy” = 4-digit fiscal reporting year
•
“mm” = 2-digit fiscal reporting month
•
“WOFF” = data set short name
•
“ccc” = 3-digit GA code
Example
GA 999 will name the CSV or text file for
Write-Off Data as of March 31, 2020 as
follows:
•
202006-WOFF-999.csv
4.7 Presentation
If the Write-Off Data Set is prepared correctly, when uploaded to MS Excel or MS Access, the
Data Set will display as shown:
Note About Abnormal Balances
The expected sign for all debt quantities and dollar amounts for this Data Set is positive.
Any abnormal balances must be researched and explained. The explanation can be
included in the body of the submission email or added as a separate MS Word file
attachment. See Section 7.0 Submission to FSA for more information.
19
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
20
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
5.0 MR-32 Loan Ending Balance Aging Data Set
5.1 Purpose
The MR-32 Loan Ending Balance Aging Data Set (Aging Data) is required in order to age debt
per DCIA and to facilitate determining a debt’s eligibility for TOP referral.
5.2 Scope
The scope of the data is debt reported on GAFR line MR-32 Ending Balance of Defaulted Loans
as of fiscal month-end.
5.3 Frequency
Each GA must prepare the Aging Data as of each fiscal month-end for which it also prepares a
GAFR report (i.e. monthly).
5.4 Overview of Data Set Requirement
The Aging Data captures additional information related to the ending balance of defaulted debt
reported on MR-32. The debt is aged per the applicable DCIA aging methodologies (see
Section 2.0) and grouped into categories based on the number of days the debt is delinquent.
The Aging Data is reported to FSA via the following Data Elements:
•
•
•
•
•
•
Aging category (i.e. days delinquent)
Number
Dollars
GA code,
Fiscal year
Fiscal month
5.5 Data Set Requirements
Line 1 - Data Element Names
Report the six required Data Element Names as shown in the table below.
Data
Element
21
Data Element Name
1
AGING_CATEGORY
2
NUMBER
3
DOLLARS
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Data
Element
Data Element Name
4
GA_CODE
5
FISCAL_YEAR
6
FISCAL_MONTH
Line 1 should display as follows:
Line 2–13 - Debt by Age of Delinquency
Report the quantity of debts and loan ending balance by the age category 11.
The required Line Names are the aging categories listed in the table below. The categories are
listed by line number.
Line
AGING_CATEGORY
2
1–30 Days Delinquent
3
31–60 Days Delinquent
4
61–90 Days Delinquent
5
91–120 Days Delinquent
6
121–150 Days Delinquent
7
151–180 Days Delinquent
8
181–270 Days Delinquent
9
271–365 Days Delinquent
10
1–2 Years Delinquent
11
2–6 Years Delinquent
12
6–10 Years Delinquent
13
Over 10 Years Delinquent
The loan ending balance is derived from the GA’s system of record and corresponds to the
balance the GA reported on GAFR line MR-32 as of the month-end reporting date.
11
22
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Note About Aging Categories
FSA customized the age categories for the Aging Data Set to reflect unique requirements
of HEA Title IV debt. Specifically, FSA segregated the age categories into 30-day
increments to allow breaks at 120, 180, and 270 days delinquent.
As an example, the table below lists the Data Elements and criteria to report for Line 2, 1–30
Days Delinquent. Note: Lines 3–13 would follow the same format.
Data Element
Criteria
Example
AGING_CATEGORY
Debt that is 1 to 30 days
delinquent.
Report “1-30_DAYS_DELINQUENT”.
NUMBER
Number (i.e., quantity of debts)
that meets the scope of the
line.
If 5,742 loans meet the criteria for this
line, report the value as “5742”.
DOLLARS
Dollar (i.e., debt/loan amount)
value that meets the scope of
the line.
If $800,457.00 meets the criteria for
this line, report the value as
“800457.00”.
GA_CODE
3-digit GA Code
Report “999”.
FISCAL_YEAR
4-digit FY
Report “2020”.
FISCAL_MONTH
2-digit fiscal month
Report “06”.
Line 2 should display as follows:
Note About Lines 2–13
The sum of the total Dollars value of Lines 2–13 must equal the Dollars value reported on
MR-32 of the GAFR. If a GA submits this Data Set and the total of these lines does not
equal MR-32, FSA will reject the GA’s submission and return it for correction.
23
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
5.6 File Naming
The GAs should use the following file naming configuration.
Table 5.6 Aging Data File Naming Configuration
Required File Naming Configuration
yyyymm-AGNG-ccc
Example
GA 999 will name the CSV for Aging Data as
of March 31, 2020 as follows:
Where
•
“yyyy” = 4-digit fiscal reporting year
•
“mm” = 2-digit fiscal reporting month
•
“AGNG” = data set short name
•
“ccc” = 3-digit GA code
•
202006-AGNG-999.csv
5.7 Presentation
If the Aging Data Set is prepared correctly, when uploaded to MS Excel or MS Access, the data
will display as shown:
Note About Abnormal Balances
The expected sign for all debt quantities and dollar amounts for this Data Set is positive.
Any abnormal balances must be researched and explained. The explanation can be
included in the body of the submission email or added as a separate MS Word file
attachment. See Section 7.0 Submission to FSA for more information.
24
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
6.0 MR-32 & MR-41 Loan Ending Balance Disposition Data
Set
6.1 Purpose
The MR-32 & MR-41 Loan Ending Balance Disposition Data Set (Disposition Data)
is needed to monitor GA compliance with DCIA TOP Referral reporting.
6.2 Scope
The scope of the data is debt reported on GAFR lines MR-32 Ending Balance of Defaulted
Loans and MR-41 Ending Balance on Bankruptcies as of the fiscal month-end.
6.3 Frequency
Each GA must prepare the Disposition Data as of each fiscal month-end for which it also
prepares a GAFR report (i.e. monthly).
6.4 Overview of Data Set Requirement
The Disposition Data captures the combined debt quantities and loan ending balances from the
GA’s system of record that correspond to the balances the GA reported on GAFR lines MR-32
and MR-41 as of the same month-end. It summarizes and reports amounts according to the
disposition of these debts in the most recent (weekly) TOP referral process executed by the GA
before month-end (TOP Referral Process Disposition) and further classifies them by
Delinquency Group.
The Disposition Data is reported to FSA via the following ten Data Elements:
Line Name
1. Line prefix
2. Line suffix
3. BizOps number
4. Line short name
5. Delinquency group
Portfolio Data
6. Number
7. Dollars
Identifier Data
8. GA code
9. Fiscal year
10. Fiscal month
Each debt is mapped to the Disposition Data based on its TOP Referral Process Disposition as
identified by the most recent (weekly) TOP referral process executed prior to month-end for the
reporting period and is reported on one line only. Data Elements 1–4 collectively identify each
25
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
unique TOP Referral Process Disposition reportable as of month-end, while Data Element 5
further classifies the identified debt quantities and dollar amounts into one of three delinquency
groups (1-120 days delinquent, 121-180 days, or > 180 days delinquent) using the DCIA Aging
methodology described in Section 2.0 of this document. As a result, each TOP Referral
Process Disposition is mapped to three consecutive lines ordered by delinquency group. The
unique set of values on each line in Data Elements 1–5 comprise the Line Name and provide
the reporting scope criteria for the Portfolio Data elements NUMBER and DOLLARS as of the
reporting date.
The ten Data Elements that make up the Disposition Data have the following definitions:
Data
Element
1
Data Element Name
LINE_PREFIX
Data Element Definition
1-character code (“a” through “i”) assigned by FSA to
group reported portfolio data into one of nine categories
as follows:
Value
12
Definition
a
Certified AND Active
b
Not Subject to TOP
c
Due Process Pending
Completion
d
Excluded/Inactivated via
DCIA Compliant Exclusion
e
Excluded/Inactivated via FSA
business rule exception
f
Debt Rejected by Treasury
and temporarily excluded
g
Debt excluded via FSA
Temporary Generic Hold 12
h
Debt excluded via FSA’s
Unenforceable Debt
Discharge business process 13
i
Debt not referred/inactivated
that did not meet the
requirements to report in any
prior category
Purpose
Identifies the
disposition of debts
(within scope as of
the reporting date) in
the most recent
(weekly) GA TOP
Referral Process.
Identifies debts
within scope as of
the reporting date,
not previously
reported.
Category not applicable to GAs
This policy exemption is tracked as a separate category in DMCS; in the GA Disposition Data
it is included in section “e” with all the other identified TOP referral business rule exemptions.
13
26
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Data
Element
Data Element Name
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Data Element Definition
2
LINE_SUFFIX
3-digit code (“000”–“999”) 14 assigned by FSA to identify
the reporting sequence of each reporting line short name
within each “LINE_PREFIX” report category.
3
BIZOPS_NO
3-digit code (“001”–“999” or “N/A” (Not Applicable))
assigned by FSA to identify the TOP Referral Exclusion/
Exception/Instruction business rule and definition per
Appendix D that defines the debt to be reported on the
line, based on debt’s disposition in the most recent
weekly TOP referral. Appendix D maps each FSA TOP
Referral business rule to the corresponding Disposition
Data line number. Leading zeros are added to the FSA
TOP Referral BizOps Number to produce the
corresponding three-digit BIZOPS_NO code.
E.g. “1” becomes “001”, “10” becomes “010”, etc.
If debt was not excluded from TOP referral based on an
FSA business rule (e.g. because debt WAS referred, or
debt was not in portfolio at time of last TOP referral, etc.)
then no business rule is applicable and “N/A” is entered
in this field.
4
LINE_SHORT_NAME
Text required by FSA that briefly describes the
disposition post-TOP referral of debt to be reported on
the line.
The Disposition Data Set format is designed to facilitate FSA’s consolidation of data received
from GAs and DMCS into one data set for analysis. The DMCS-only reporting categories in the
Data Elements BIZOPS_NO, LINE_PREFIX, and LINE_SUFFIX have been omitted, resulting in
gaps in the sequence numbers
14
27
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Data
Element
5
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Data Element Name
DELINQUENCY_GROUP
Data Element Definition
One of three delinquency categories that describe, as of
the reporting month-end date, the number of days the
debt reported on the line is delinquent, per DCIAcompliant aging (as described in Section 2.0 of this
document).
Permitted value
1–120_DAYS
Definition
At least one*, but no more than 120
days delinquent
121–180_DAYS
At least 121, but no more than 180
days delinquent
OVER_180_DAYS
More than 180 days delinquent
*If a debt is acquired via a FFEL default claim on the monthend reporting date, then its calculated age will be zero days
delinquent. However, since ALL debts acquired via a default
claim are considered delinquent from the moment of
acquisition, such debts must be reported in the “1-120_DAYS”
delinquency group.
Note: The aging methodology used for the Disposition
Data is identical to that used for the Aging Data, except
that for the Disposition Data all debts are aggregated
into one of only three delinquency groups.
28
6
NUMBER
Number (i.e., quantity of debts) that meets the scope of
the line as defined by the Line Name, as of the reporting
date.
7
DOLLARS
Dollar (i.e., debt/loan amount) value that meets the
scope of the line as defined by the Line Name.
8
GA_CODE
3-digit GA Code
9
FISCAL_YEAR
4-digit FY
10
FISCAL_MONTH
2-digit fiscal month
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
6.5 Data Set Requirements
Line 1 - Data Element Names
Report the ten required Data Element Names as shown in the table below.
Data
Element
Data Element Name
1
LINE_PREFIX
2
LINE_SUFFIX
3
BIZOPS_NO
4
LINE_SHORT_NAME
5
DELINQUENCY_GROUP
6
NUMBER
7
DOLLARS
8
GA_CODE
9
FISCAL_YEAR
10
FISCAL_MONTH
Line 1 should display as follows:
For the Disposition Data lines 2–124, the Identifier Data elements will have identical values on
every line for each GA in any given reporting period. If GA 999 prepared Disposition Data as of
March 31, 2020, it would report the following values on every line:
Identifier Data Element
Criteria
Example
GA_CODE
3-digit GA Code
Report “999”.
FISCAL_YEAR
4-digit FY
Report “2020”.
FISCAL_MONTH
2-digit FY month
Report “06”.
Therefore, the remainder of this section omits the above-mentioned Data Elements from the
tables presented.
29
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Note About the Disposition Data Line Name Values
The Disposition Data format is designed to facilitate FSA’s consolidation of data received
from GAs and DMCS into one data set for analysis. The DMCS-only reporting categories for
the Data Elements BIZOPS_NO, LINE_PREFIX, and LINE_SUFFIX, have been omitted,
resulting in gaps in the sequence numbers.
Lines 2–4: Debt Certified and Active
Report on each line (as Number and Dollars respectively) the combined debt quantities and
loan ending balances from the GA’s system of record that correspond to the balances the GA
reported on GAFR lines MR-32 and MR-41 as of the month-end reporting date that, based on
the most recent weekly TOP Referral prior to the reporting month-end, have a TOP Referral
Process Disposition “Debt Certified and Active” AND meet the line’s DELINQUENCY_GROUP
criteria. If GA 999 identified the following debt:
Line
2
3
4
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Certified and Active”
Line Name
Portfolio Data
DELINQLINE_
LINE_ BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
a
10
N/A
Debts Certified
1-120
207
55,700.56
and Active
_DAYS
a
10
N/A
Debts Certified
121-180
3,008 1,815,062.46
and Active
_DAYS
a
10
N/A
Debts Certified
OVER_180
1,012 9,999,950.12
and Active
_DAYS
Based on the criteria above, the sample Lines 2–4 would display as follows:
30
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Lines 5–118: Debt Not Certified/Inactivated Based on TOP Referral Business Rule
Report on each line (as Number and Dollars respectively) the combined debt quantities and
loan ending balances from the GA’s system of record that correspond to the balances the GA
reported on GAFR lines MR-32 and MR-41 as of the month-end reporting date for any debts
NOT “Certified and Active” (or, if previously certified, inactivated) because, based on the most
recent weekly TOP Referral prior to the reporting month-end, they have a TOP Referral Process
Disposition that meets the requirements of the FSA TOP Referral business rule in Appendix D
that maps to the line’s required BIZOPS_NO value AND meet the line’s
DELINQUENCY_GROUP criteria. If GA 999 identified the following debt:
Line
5
6
7
8
9
10
11
12
13
14
31
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
b
10
1
Zero Balance
1-120
2
(Closed) Debts
_DAYS
b
10
1
Zero Balance
121-180
(Closed) Debts
_DAYS
b
10
1
Zero Balance
OVER_180
(Closed) Debts
_DAYS
b
20
53
Credit Balance
1-120
3
(2,000.22)
Debts
_DAYS
b
20
53
Credit Balance
121-180
Debts
_DAYS
b
20
53
Credit Balance
OVER_180
Debts
_DAYS
b
30
2
Debts 0-120 days 1-120
8,115 805,847.47
delinquent per
_DAYS
65DN Agreement
b
30
2
Debts 0-120 days 121-180
delinquent per
_DAYS
65DN Agreement
b
30
2
Debts 0-120 days OVER_180
delinquent per
_DAYS
65DN Agreement
c
10
24
Due process not
1-120
initiated (Awaiting _DAYS
Treasury
Address)
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
15
16
17
18
19
20
21
22
23
24
25
26
27
32
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
c
10
24
Due process not
121-180
3
6,000.00
initiated (Awaiting _DAYS
Treasury
Address)
c
10
24
Due process not
OVER_180
9
68,043.06
initiated (Awaiting _DAYS
Treasury
Address)
c
20
23
Due process not
1-120
initiated
_DAYS
(deliverable)
c
20
23
Due process not
121-180
4
11,300.14
initiated
_DAYS
(deliverable)
c
20
23
Due process not
OVER_180
1
2,600.00
initiated
_DAYS
(deliverable)
c
30
22
In due process,
1-120
period not expired _DAYS
c
30
22
In due process,
121-180
2
4,000.00
period not expired _DAYS
c
30
22
In due process,
OVER_180
2
54,000.17
period not expired _DAYS
d
10
3
Debt balance >$0 1-120
but < $25
_DAYS
d
10
3
Debt balance >$0 121-180
52
100.00
but < $25
_DAYS
d
10
3
Debt balance >$0 OVER_180
15
100.00
but < $25
_DAYS
d
20
4
Pseudo-SSN
1-120
(Begins with 9)
_DAYS
d
20
4
Pseudo-SSN
121-180
1
2,000.00
(Begins with 9)
_DAYS
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
28
29
30
31
32
33
34
35
36
37
33
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
d
20
4
Pseudo-SSN
OVER_180
1
2,000.00
(Begins with 9)
_DAYS
d
30
5
Request for
1-120
Formal
_DAYS
Review/Document
ation
d
30
5
Request for
121-180
2
1,500.00
Formal
_DAYS
Review/Document
ation
d
30
5
Request for
OVER_180
2
1,500.00
Formal
_DAYS
Review/Document
ation
d
40
6
Pending
1-120
Discharge - Death _DAYS
(non-grant)
d
40
6
Pending
121-180
3
6,203.00
Discharge - Death _DAYS
(non-grant)
d
40
6
Pending
OVER_180
3 106,203.18
Discharge - Death _DAYS
(non-grant)
d
50
7
Pending
1-120
Discharge _DAYS
Disability (TPD)
(non-grant)
d
50
7
Pending
121-180
5
17,001.42
Discharge _DAYS
Disability (TPD)
(non-grant)
d
50
7
Pending
OVER_180
5
9,500.00
Discharge _DAYS
Disability (TPD)
(non-grant)
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
38
39
40
41
42
43
44
45
34
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
d
60
8
Pending
1-120
Discharge _DAYS
Closed School
(non-grant)
d
60
8
Pending
121-180
3
5,100.00
Discharge _DAYS
Closed School
(non-grant)
d
60
8
Pending
OVER_180
3
5,100.00
Discharge _DAYS
Closed School
(non-grant)
d
70
9
Pending
1-120
Discharge - False _DAYS
Certification
(FFEL, FISL, DL)
d
70
9
Pending
121-180
1
10,003.17
Discharge - False _DAYS
Certification
(FFEL, FISL, DL)
d
70
9
Pending
OVER_180
1
52,003.98
Discharge - False _DAYS
Certification
(FFEL, FISL, DL)
d
80
10
Pending
1-120
Discharge _DAYS
Unpaid Refund
(FFEL, FISL, DL)
d
80
10
Pending
121-180
2
4,000.00
Discharge _DAYS
Unpaid Refund
(FFEL, FISL, DL)
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
46
47
48
49
50
51
52
53
54
55
56
57
35
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
d
80
10
Pending
OVER_180
2
4,000.00
Discharge _DAYS
Unpaid Refund
(FFEL, FISL, DL)
d
100
12
Pending
1-120
Discharge - ID
_DAYS
Theft (FFEL,
FISL, DL)
d
100
12
Pending
121-180
1
2,055.00
Discharge - ID
_DAYS
Theft (FFEL,
FISL, DL)
d
100
12
Pending
OVER_180
1
2,055.00
Discharge - ID
_DAYS
Theft (FFEL,
FISL, DL)
d
110
13
Bankruptcy
1-120
Exclusion
_DAYS
d
110
13
Bankruptcy
121-180
100
20,000.00
Exclusion
_DAYS
d
110
13
Bankruptcy
OVER_180
599 492,500.83
Exclusion
_DAYS
d
120
14
Military Exclusion 1-120
_DAYS
d
120
14
Military Exclusion 121-180
7
14,000.00
_DAYS
d
120
14
Military Exclusion OVER_180
7
14,000.00
_DAYS
d
130
16
Adversary
1-120
Proceeding
_DAYS
Exclusion
d
130
16
Adversary
121-180
53 201,000.99
Proceeding
_DAYS
Exclusion
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
36
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
d
130
16
Adversary
OVER_180
5 701,000.36
Proceeding
_DAYS
Exclusion
d
150
18
Formal Appeals
1-120
_DAYS
d
150
18
Formal Appeals
121-180
20
48,153.13
_DAYS
d
150
18
Formal Appeals
OVER_180
15
40,000.00
_DAYS
d
160
19
SSA Disabled
1-120
Match (non-grant) _DAYS
d
160
19
SSA Disabled
121-180
3
6,233.00
Match (non-grant) _DAYS
d
160
19
SSA Disabled
OVER_180
3
6,233.00
Match (non-grant) _DAYS
d
170
20
FEMA Disaster
1-120
Area
_DAYS
d
170
20
FEMA Disaster
121-180
2
5,090.00
Area
_DAYS
d
170
20
FEMA Disaster
OVER_180
2
5,090.00
Area
_DAYS
d
190
25
PIF via AWG
1-120
_DAYS
d
190
25
PIF via AWG
121-180
2
5,901.00
_DAYS
d
190
25
PIF via AWG
OVER_180
2
5,901.00
_DAYS
d
200
27
Post 65DN Rehab 1-120
(5 on-time
_DAYS
payments)
d
200
27
Post 65DN Rehab 121-180
16
8,000.00
(5 on-time
_DAYS
payments)
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
37
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
d
200
27
Post 65DN Rehab OVER_180
11
8,000.00
(5 on-time
_DAYS
payments)
d
210
36
Pending
1-120
Consolidation
_DAYS
d
210
36
Pending
121-180
5
49,919.00
Consolidation
_DAYS
d
210
36
Pending
OVER_180
5
11,000.00
Consolidation
_DAYS
d
220
45
Restitution Debts 1-120
(bRestitn)
_DAYS
d
220
45
Restitution Debts 121-180
1
2,650.00
(bRestitn)
_DAYS
d
220
45
Restitution Debts OVER_180
1
2,650.00
(bRestitn)
_DAYS
d
230
48
VA Disabled
1-120
Match (non-grant) _DAYS
d
230
48
VA Disabled
121-180
1
2,220.00
Match (non-grant) _DAYS
d
230
48
VA Disabled
OVER_180
1
2,220.00
Match (non-grant) _DAYS
d
240
47
Hardship
1-120
_DAYS
d
240
47
Hardship
121-180
11
7,500.15
_DAYS
d
240
47
Hardship
OVER_180
1
3,500.00
_DAYS
d
250
50
Court-Ordered
1-120
Settlement
_DAYS
d
250
50
Court-Ordered
121-180
1
2,100.00
Settlement
_DAYS
d
250
50
Court-Ordered
OVER_180
32
2,100.00
Settlement
_DAYS
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
89
90
91
92
93
94
95
96
97
98
99
100
101
38
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
d
260
51
Litigation Hold
1-120
_DAYS
d
260
51
Litigation Hold
121-180
1
3,500.00
_DAYS
d
260
51
Litigation Hold
OVER_180
1
73,598.44
_DAYS
e
10
26
SSN Change
1-120
_DAYS
e
10
26
SSN Change
121-180
1
1,950.00
_DAYS
e
10
26
SSN Change
OVER_180
1
1,950.00
_DAYS
e
70
33
Pending
1-120
Discharge - 9/11
_DAYS
Survivors (Grants,
FFEL, FISL)
e
70
33
Pending
121-180
1
3,750.00
Discharge - 9/11
_DAYS
Survivors (Grants,
FFEL, FISL)
e
70
33
Pending
OVER_180
1
3,750.00
Discharge - 9/11
_DAYS
Survivors (Grants,
FFEL, FISL)
e
100
40
Borrower Defense 1-120
(FFEL, Perkins)
_DAYS
e
100
40
Borrower Defense 121-180
1
2,670.00
(FFEL, Perkins)
_DAYS
e
100
40
Borrower Defense OVER_180
1
9,541.60
(FFEL, Perkins)
_DAYS
e
120
15
Unenforceable
1-120
Debt Discharge
_DAYS
Process
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
102
103
104
105
106
107
108
109
110
111
112
113
114
39
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
e
120
15
Unenforceable
121-180
2
4,259.00
Debt Discharge
_DAYS
Process
e
120
15
Unenforceable
OVER_180
1
2,000.00
Debt Discharge
_DAYS
Process
e
130
46
Pending
1-120
Subrogation
_DAYS
e
130
46
Pending
121-180
20
18,000.54
Subrogation
_DAYS
e
130
46
Pending
OVER_180
5 812,000.77
Subrogation
_DAYS
e
140
44
Mixed
1-120
(Debit/Credit)
_DAYS
Balance Debts
e
140
44
Mixed
121-180
1
4,500.00
(Debit/Credit)
_DAYS
Balance Debts
e
140
44
Mixed
OVER_180
1
4,500.00
(Debit/Credit)
_DAYS
Balance Debts
e
150
52
Closed debt with
1-120
debit balance
_DAYS
e
150
52
Closed debt with
121-180
1
1,900.00
debit balance
_DAYS
e
150
52
Closed debt with
OVER_180
1
1,900.00
debit balance
_DAYS
e
160
54
Unrelated EIN
1-120
matches borrower _DAYS
SSN
e
160
54
Unrelated EIN
121-180
1
1,000.00
matches borrower _DAYS
SSN
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Line
115
116
117
118
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Certified/Inactivated Based on TOP Referral Business Rule”
Line Name
Portfolio Data
DELINQLINE_
LINE_
BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
e
160
54
Unrelated EIN
OVER_180
1
1,000.00
matches borrower _DAYS
SSN
f
10
38
Treasury Reject
1-120
103
55,800.96
_DAYS
f
10
38
Treasury Reject
121-180
15
2,635.00
_DAYS
f
10
38
Treasury Reject
OVER_180
1
2,635.00
_DAYS
Based on the criteria above, sample Lines 5–10 would display as follows:
Note About Disposition Data Lines 8, 9 and 10
Disposition Data Lines 8, 9 and 10 report debts with a credit balance. Enter the debt quantity
(NUMBER) as a positive number but the amount (DOLLAR) as a negative amount. These
are the only data lines where a negative dollar amount will be reported, unless the net
amount meeting the reporting criteria for any other line is abnormal.
40
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Lines 119–121: Debt Not Tested
Report on each line (as Number and Dollar respectively) the combined debt quantities and loan
ending balances from the GA’s system of record that correspond to the balances the GA
reported on GAFR lines MR-32 and MR-41 as of the month-end reporting date for debts that
were not tested for TOP Referral Disposition because they were not in scope at the time of the
last (weekly) TOP referral before month-end AND also meet the line’s DELINQUENCY_GROUP
criteria. If GA 999 identified the following debt:
Line
119
120
121
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Tested”
Line Name
Portfolio Data
DELINQLINE_
LINE_ BIZOPS
LINE_
UENCY_ NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
i
5
N/A
Debt not in
1-120
3
3,000.01
portfolio at time
_DAYS
of last TOP
referral
i
5
N/A
Debt not in
121-180
portfolio at time
_DAYS
of last TOP
referral
i
5
N/A
Debt not in
OVER_18
portfolio at time
0
_DAYS
of last TOP
referral
Based on the criteria above, sample Lines 119–121 would display as follows:
41
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Lines 122–124: Debt Not Otherwise Classified
Report on each line (as Number and Dollar respectively) the combined debt quantities and loan
ending balances from the GA’s system of record that correspond to the balances the GA
reported on GAFR lines MR-32 and MR-41 as of the month-end reporting date for debts that did
not meet the reporting criteria for any prior line (i.e. Lines 2–121) AND also meet the line’s
DELINQUENCY_GROUP criteria. If GA 999 identified the following debt:
Line
122
123
124
Debt in Scope on Reporting Date with TOP Referral Process Disposition:
“Debt Not Otherwise Classified”
Line Name
Portfolio Data
DELINQLINE_
LINE_ BIZOPS
LINE_
UENCY_
NUMBER
DOLLAR
PREFIX SUFFIX
_NO
SHORT_NAME
GROUP
i
10
N/A
Debt does not
1-120
meet definition
_DAYS
for any prior
report line
i
10
N/A
Debt does not
121-180
meet definition
_DAYS
for any prior
report line
i
10
N/A
Debt does not
OVER_180
meet definition
_DAYS
for any prior
report line
Based on the criteria above, sample lines 122–124 would display as follows:
Note About Disposition Data Lines 122–124 Debt Not Otherwise Classified
Since the TOP referral process is designed to identify the appropriate disposition of every
debt within the GA portfolio that meets the scope definition on the date the TOP referral
process is executed, no dollar amount or debt quantity is expected to be reported on these
lines. Any valid dollar amount and debt quantity reported represents either debt that was
incorrectly mapped or debt with characteristics that the referral or reporting process did not
identify. The GA must fully research any such debt quantity or dollar amount reported and
provide a detailed written explanation when the Disposition Data Set is submitted, either
included in the body of the submission email or attached as a separate MS Word file.
42
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
6.6 Data Validation
Note About Validation of Data Before Submission
It is FSA’s expectation that GAs will carefully review the Disposition Data Set each month prior
to submission to ensure on-going compliance with the Disposition Data requirements. The
review should include, but is not limited to, the following Data Validation Tests.
FSA will reject the Disposition Data submitted if it does not comply with requirements or if a
required explanation is not provided.
Validation Test 1 – Validate Number of Disposition Data Lines Against Requirement
The Disposition Data Requirements detailed in Section 6.5 above explicitly require that each GA
submit Disposition Data that includes 124 lines (including the Data Element Names in Line 1).
FSA will reject the Disposition Data if the total number of lines is not equal to 124.
Note About Disposition Data Validation Test 1
Validation Test 1 serves as a control for the Disposition Data and must result in a
calculated line number variance of zero. If a GA submits Disposition Data where this test
results in a variance other than zero, FSA will reject the GA’s submission and return it for
correction.
Validation Test 2 – Validate Disposition Data Against Control Total
The Disposition Data requirements described in Section 6.5 above are designed to capture the
combined debt quantities and loan ending balances from the GA’s system of record that
correspond to the balances the GA reported on GAFR lines MR-32 and MR-41 as of the monthend reporting date. FSA will validate the Disposition Data submitted by each GA against the
sum of the MR-32 and MR-41 GAFR lines the GA submitted for the same reporting period. For
example, assume GA 999 submitted a GAFR and Disposition Data with the following data as of
March 31, 2020:
Validation - Debt in Scope on Reporting Date
Data Source
GAFR Line MR–32
15,169,908.06
GAFR Line MR–41
563,824.23
Subtotal: Disposition Data Control Total
15,733,732.29
Total Dollar amount reported in Disposition
Data Element “Dollars”, Lines 2–124
15,733,732.29
Control Difference:
43
Dollar Amount
0.00
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Since the Control Difference is zero, the Disposition Data would PASS Validation Test
Note About Disposition Data Validation Test 2
Validation Test 2 serves as a control for the Disposition Data and must result in a
calculated Control Difference value of zero. If a GA submits Disposition Data where this
test results in a Control Difference value other than zero, FSA will reject the GA’s
submission and return it for correction.
6.7 Naming Configuration
The GAs should use the following file naming configuration.
Table 6.7 Disposition Data File Naming Configuration
Required File Naming Configuration
yyyymm- DISP-ccc
Where
•
“yyyy” = 4-digit fiscal reporting year
•
“mm” = 2-digit fiscal reporting month
•
“DISP” = data set short name
•
“ccc” = 3-digit GA code
Example
GA 999 will name the Disposition Data as of
March 31, 2020 as follows:
•
202006-DISP-999.csv
6.8 Presentation
If the Disposition Data Set is prepared correctly, when uploaded to MS Excel or MS Access, the
data will display as shown:
The above image shows only the first few lines of the Disposition Data. For a complete
example, please refer to Appendix C.
44
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Note About Abnormal Balances
Except for Lines 8–10, the expected sign for all debt quantities and dollar amounts in this
Data Set is positive. Any abnormal balances must be researched and explained. The
explanation can be included in the body of the submission email or added as a separate
MS Word file attachment. See Section 7.0 Submission to FSA for more information.
45
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
46
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
7.0 Submission to FSA
Note About Validation of Data Before Submission
To ensure on-going compliance with the DCIA Compliance Data Set requirements, FSA will
perform a quality control review of the GA’s submission package for each reporting period. This
review will include confirming that the GA’s submission agrees with the related GAFR MR lines
and that variance explanations have been provided when required. FSA will reject the
submission if it does not reconcile to the highlighted MR lines or if a required explanation is not
provided. GAs must therefore review their submissions carefully prior to delivery.
7.1 Contents of the DCIA Compliance Data Set Submission
GAs can prepare the DCIA Compliance Data Set in Excel; however, the files must be saved and
submitted to FSA as individual CSV files. For example, if a GA submits a GAFR for a reporting
period that has FFEL Program activity or balances, then the GA must also submit separate CSV
files - one for each of the required Data Sets.
GAs must submit the following as appropriate:
•
The applicable individual Data Set files,
•
The Disposition Data explanation (i.e., for “Debt Not Otherwise Classified”), if necessary,
•
The required Write-Off Data explanation, if necessary and
•
Any abnormal activity or balance explanations, if necessary.
Explanations can be included in the body of the submission email or added as a separate MS
Word file attachment. Additionally, submitted files should not be password protected unless
required by the GA’s or FSA’s data protection policies (i.e., because the files contain personally
identifiable information or sensitive data).
7.2 Delivery Instructions
GAs should prepare an email with the contents of the submission package attached and send it
to the following FSA email addresses:
To: [email protected]
CC: [email protected]
[email protected]
47
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Please indicate the reporting month and FY in the subject line of the email as follows:
Table 7.2 Submission Email Subject Line
Subject Line
Example
DCIA Compliance Data Set mm–yyyy
For the reporting period ending March 31,
2020, the subject line should be as follows:
•
Where
•
“mm” = 2-digit fiscal reporting month
•
“yyyy” = 4-digit fiscal reporting year
DCIA Compliance Data Set 06-2020
7.3 Due Date
GAs must submit the DCIA Compliance Data Set no later than close of business (COB) on the
due date specified below.
Table 7.3 DCIA Compliance Data Set Due Dates
Number of Data
Sets Required to
Be Submitted
FY Reporting Period
End Date
Applicable to the
Following Months
Due Date
If month-end…
Oct, Nov, Jan, Feb,
April, May, Jul, and
Aug
COB 12th business
day of the following
month.
2 Data Sets*
If quarter-end…
Mar
COB 8th business
day of the following
month.
3 Data Sets**
If quarter-end…
Dec, Jun, and Sep
COB 8th business
day of the following
month.
2 Data Sets*
* Write-Off Data Set isn’t required
** Write-Off Data Set is required
Business day is based upon the Federal government calendar. COB is 5 p.m. Eastern time.
48
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendixes
49
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page left intentionally blank.]
50
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix A – Sample GAFR / ED Form 2000
A
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix A – Sample GAFR / ED Form 2000
Note: The sample GAFR presented below is for example purposes only. Its purpose is to
highlight the relationship between specific GAFR MR lines and the DCIA Compliance Data Set.
A-1
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
A-2
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
A-3
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
A-4
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
A-5
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix B – DCIA-Compliant Aging Scenario
B
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix B – DCIA - Compliant Aging Scenario
DCIA - compliant calculation of days delinquent (i.e. Debt Age or Delinquency) as of TROR
reporting date is calculated as follows (refer to Tables 2.3.1 and 2.3.2 in the main text for
details):
Days Delinquent per Date Acquired Aging equals:
• Current Date
MINUS
• Claim Date
MINUS
• Days in Frozen Aging (i.e. number of days where Frozen Aging Methodology
applicable).
NOTE: For each period of Frozen Aging, if any, Days in Frozen aging equals:
• Date collection efforts resumed after period of suspension
MINUS
• Date loan entered Frozen Aging
Days Delinquent per Frozen Aging equals:
Days Delinquent (per Date Acquired Aging) as of the date the loan transitioned to (the most
recent period of) Frozen Aging.
Scenario (based on calendar year 2020*):
Date
Event
DCIA Aging
Methodology
Days Delinquent
Reported in TROR
01/01/2020 GA pays a lender’s claim for a debt
(Claim Date).
Date Acquired Aging
(start date)
01/15/2020 Borrower sets up a new payment
agreement with GA.
Date Acquired Aging
01/31/2020 GA Prepares January TROR.
Date Acquired Aging
02/29/2020 Borrower files for TPD.
Date Acquired Aging
02/29/2020 GA prepares February TROR.
Date Acquired Aging
= (31+29-1) = 59
03/01/2020 GA suspends collection on the
debt based on Borrower’s TPD
filing.
Frozen Aging
(assumes 1-day
transitional period)
NOTE: Days
delinquent frozen
at:
= (31-1) = 30
(60-1) = 59
B-2
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Date
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
DCIA Aging
Methodology
Event
03/31/2020 GA Prepares March TROR.
Frozen Aging
4/30/2020
Frozen Aging
TPD servicer determines the
borrower does not qualify for TPD
and requests GA to remove the
hold and begin servicing the debt
again.
Days Delinquent
Reported in TROR
= 59
04/30/2020 GA Prepares April TROR.
Frozen Aging
= 59
5/1/2020
Date Acquired Aging
(assumes 1-day
transitional period)
NOTE: Days in
Frozen aging
equals:
GA removes the collection
suspension hold.
(121-60) = 61
5/31/2020
GA Prepares May TROR.
Date Acquired
= (152-1) - (121-60)
= 90 days
6/30/2020
GA prepares June TROR.
Date Acquired
= (182-1) - (121-60)
= 120 days
*In the scenario above, “days since claim date” are calculated as follows based on 2020:
Days in Current
Month
Cumulative Days as of
month-end
January
31
31
February
29
60
March
31
91
April
30
121
May
31
152
June
60
182
Total Days: 1/1/2020-6/30/2020
182
182
Month
B-3
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
B-4
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix C – Presentation of MR-32 & MR-41 Loan Ending Balance Disposition Data Set in Microsoft
Excel Format
C
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
MR-32C & MR-41 Loan Ending Balance Disposition Data Set (Disposition Data)
C-1
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
C-2
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
C-3
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix D – Mapping GA TOP Referral Business Rules to MR-32 & MR-41 Loan Ending Balance
Disposition Data Set Lines
D
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Mapping of FSA GA TOP Referral Business Rules to Disposition Data Line Numbers
D-1
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Note About Top Exclusions/Exceptions for GAs
The TOP Referral Exclusion/Exception Business Rules for GAs are the responsibility of Program Operations. Questions concerning
the TOP referral business process are outside the scope of this document and should be addressed to Program Operations
accordingly.
D-2
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
D-3
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix E – Guaranty Agency List
E
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix E – Guaranty Agency List
GA
Code
GA State
GA Name
708
Colorado
Colorado Student Loan Program dba College Assist
712
Florida
Florida Department of Education, Office of Student Financial
Assistance (OSFA)
717
Illinois
Illinois Student Assistance Commission
721
Kentucky
Kentucky Higher Education Assistance Authority (KHEAA)
722
Louisiana
Louisiana Office of Student Financial Assistance (LOSFA)
723
Maine
Finance Authority of Maine (FAME)
725
Massachusetts
American Student Assistance dba Massachusetts Higher
Education Assistance Corporation (MHEAC)
726
Michigan
Michigan Guaranty Agency (MGA)
729
Missouri
Missouri Department of Higher Education (MDHE)
731
Nebraska
Nebraska or National Student Loan Program (NSLP)
733
New Hampshire
New Hampshire Higher Education Assistance Foundation
734
New Jersey
Higher Education Student Assistance Authority (HESAA)
735
New Mexico
New Mexico Student Loan Guarantee Corporation
736
New York
Higher Education Services Corporation (HESC)
737
North Carolina
North Carolina State Education Assistance Authority
(NCSEAA)
740
Oklahoma
Oklahoma College Assistance Program (OCAP)
742
Pennsylvania
Pennsylvania Higher Education Assistance Agency (PHEAA)
748
Texas
Texas Guaranteed Student Loan Corporation
749
Utah
Utah Higher Education Assistance Authority (UHEAA)
750
Vermont
Vermont Student Assistance Corporation (VSAC)
755
Wisconsin
Great Lakes Higher Education Guaranty Corporation
927
Minnesota
Educational Credit Management Corporation I
951
Minnesota
Educational Credit Management Corporation II
E-1
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix F – Glossary of Acronyms
F
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Appendix F – Glossary of Acronyms
Acronym / Term
Description
65-Day Notice Period
Required period of notification to the borrower that delinquent
Title IV debt will be sent to TOP for administrative offset unless
the borrower enters into a Rehabilitation Agreement or
Repayment Agreement prior to the end of the 65-day notice
period or responds with a timely Request for Review or Request
for Documents. The 65-Day Notice sent during this period
satisfies the requirement to complete TOP due process before
referring a debt to TOP.
Aging Data
MR-32 Loan Ending Balance Aging Data Set
CFOC
Chief Financial Officers’ Council
Claim Date
The date a Guaranty Agency pays a lender’s claim.
COB
Close of Business
Congress
The United States Congress
CSV
Comma-Separated Value (Comma Delimited)
CY
Calendar Year
DCIA
Debt Collection Improvement Act of 1996, as amended
DCIA Compliance Data Set
DCIA Aging and Compliance Data Set (i.e., the three Data Set
requirements, collectively)
Department
United States Department of Education
Disposition Data
MR-32 & MR-41 Loan Ending Balance Disposition Data Set
Exception
A set of criteria, not authorized by DCIA, that when met FSA
excludes a debt from referral to TOP or inactivates a debt
already at TOP. This set of criteria is based upon FSA policy.
An example of excepted debt is debt determined to be
unenforceable but not yet closed out.
Exclusion
A set of criteria that is compliant with DCIA, that when met, FSA
may exclude a debt from referral to TOP or inactivate a debt
already at TOP as authorized by DCIA. Examples of excluded
debt include debt less than $25 dollars, debt in bankruptcy, etc.
FFEL
Federal Family Education Loan Program
Form 1099-C
IRS Form 1099-C, Cancellation of Debt
FSA
Federal Student Aid
FY
Fiscal Year
GA
Guaranty Agency
F-1
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
Acronym / Term
Description
GAFR
Guaranty Agency Financial Report (ED Form 2000)
HEA
Higher Education Act of 1965, as amended
IRS
Internal Revenue Service
LLR
Lender-of-Last Resort
MR
Monthly Report
MR-24
Collection Terminations (GAFR Line Reference)
MR-32
Ending Balance of Defaulted Loans (GAFR Line Reference)
MR-41
Ending Balance on Bankruptcies (GAFR Line Reference)
MS
Microsoft
OGC
Office of General Counsel
OMB
Office of Management and Budget
Rehabilitation Agreement
Default resolution agreement available to qualified defaulted Title
IV borrowers under the terms of which if the borrower makes
nine on-time payments (i.e., pays within 20 days of the due date)
during a period of ten consecutive months, the debt will be
considered “rehabilitated.” The rehabilitated loan is repurchased
by a lender or assigned to FSA, clearing the default and resetting
the delinquency age to zero (i.e. “current” ).
Reinsurance Date
The date the Department reimburses a GA for a previously paid
claim.
Repayment Agreement
For the DCIA aging, the term Repayment Agreement is reserved
to refer to any non-rehabilitation repayment agreement entered
into by the borrower after the default of their Title IV debt.
Title IV
Title IV of the Higher Education Act of 1965, as amended
TOP
Treasury Offset Program
TPD
Total and Permanent Disability
Treasury
United States Department of Treasury
Write-Off Data
MR-24 Collection Terminations Write-Off Data Set
F-2
DCIA Aging and Data Requirements for Guaranty Agencies
Version: April 2, 2020
Effective Date: 10/1/2020 [FY 2021 - 1(OCT)]
[This page intentionally left blank.]
F-0