Common Origination Disbursement System · Common Origination & Disbursement System Wood Mason U.S. Department of Education Federal Student Aid Atlanta, GA 770.383.9662 [email protected]

Common Origination

&

Disbursement System

Wood Mason

U.S. Department of Education

Federal Student Aid

Atlanta, GA

770.383.9662

[email protected]

AGENDA • Current state

Reporting loan periods & academic years accurately

Origination Fee change

150% Phase 1

StudentLoans.gov

• COD Release 13.0 New Award Year Setup (NAYS)

Schema change and 100% XML validation

150% Phase 2

Pell LEU Appeal Portal

• COD Release 13.1

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Integrated Participation Management into the COD web login

• Access to the COD web, i.e., UserID and FSA Password, is now managed by Participation Management NOT COD

• A new User Role List screen was added for users with multiple roles

• Adding users and changing access is done by your school Primary Data Point Administrator via the SAIG Web Enroll website

FSAwebenroll.ed.gov

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Ability To Benefit (ATB) • Required on ALL awards for award year 2013-2014 and

forward

• 2 new valid codes 06 – High School Diploma

07 - GED

• Warning edit 199 – triggered if the <AbilityToBenefitCode> tag submitted does not match the value in the HS Diploma or Equivalent field on the selected CPS Transaction

• Warning edit 994 – triggered if the <AbilityToBenefitCode> tag is not submitted

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Pell Grant Program

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Pell Grant Lifetime Eligibility Used (LEU)

• Implemented a COD reject for exceeding 600% LEU

Edit code 201

Award Years 2012-2013 and forward

Disbursement level reject

Warning edits 177 & 178 NOT MODIFIED

• Report delivered to your SAIG mailbox

No longer posted to your COD website NewsBox

Comma-Delimited Format

SAIG Message Class: PGLEYYOP

Example: PGLE14OP for Award Year 2013-2014

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Pell Grant Lifetime Eligibility Used (LEU) appeal

process in place

• A dispute should be initiated for a student for whom an

adjustment will reduce his or her LEU to <600%

School contacts COD

Documentation will be required

If approved COD will systematically adjust the award

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Adjustments for approved

Pell LEU Disputes are

detailed on the student’s

Pell LEU History

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Direct Loan Program

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School Account Statement Disbursement Detail

On Demand Report for TEACH and Direct Loans

• On the Batch tab under the Report Requests link

Grant Data Requests, DL Rebuild and SAS

Disbursement Detail On Demand Report have been

combined on one COD Web page

• Request flexibility

Award Year

Start/End date, month-to-month, or year-to-date

Format flexibility

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Loan origination fee on loans with an earliest

disbursement date (EDD) on or after December 1,

2013

• Subsidized and Unsubsidized loans…1.072%

• PLUS loans…4.288%

DCL GEN 13-22, published October 17, 2013

• Future changes should occur on October 1 of each

year

Note: Calculation and truncation

rules have not changed.

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Accurate reporting of academic year and award start/end dates is vital to accurate calculation of subsidized loan usage periods

• For Award Year 2013 – 2014 and forward

• All loan types and borrowers

• Schools MUST change the anticipated dates if they differ from actual attendance

• Loan periods should include ONLY those terms/payment periods in which the borrower receives funds

• Dear Colleague Letter GEN 13-13, posted May 10, 2013 has the particulars

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Phase 1 of the modifications to enforce a 150% limitation for Direct Subsidized Loans is in place

• COD evaluates borrowers for the new Subsidized Usage Limit Applies (SULA) Flag

• A flag is set if the borrower has no outstanding loan balance at the time he/she receives a Direct Loan with an earliest disbursement date after June 30, 2013

A new Warning Edit, #200, is returned that identifies that borrower as a “First-time borrower” and subject to SULA

• The flag is viewable on the COD “View Person Information” screen

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Schools also receive a new report displaying all students that have received the Subsidized Usage Limit Applies Flag.

• Identifies borrowers with an Subsidized Usage Limit Applies flag set to ‘Y’

• If an award has been submitted for a student who has a Subsidized Usage Limit Applies flag set to ‘Y’, then the student will appear on the School’s report for 90 days Delivered via the School’s NewsBox on the COD

Reporting Website weekly in CSV format

If no borrowers meet the report generation criteria, the school will not receive a report for that week

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There is a very limited set of circumstances in which a “first-time” borrower could lose eligibility for Direct Subsidized Loans during the 2013-2014 award year because…

• Only applies to a “first-time” borrower on or after July 1, 2013

• Most academic programs are at least 1 academic year in length resulting in a Maximum Eligibility Period of 1.5 year

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But it could happen if the “first-time” borrower • Already has a Direct Subsidized Loan and…

• Another school is intending to award a subsequent Direct Subsidized Loan for the same 2013-2014 award year and…

• Only if the program length is shorter than 1.5 years, 10 months, or 40 weeks

• EA published November 12, 2013 provides details, examples of circumstances, and worksheet to determine if your student falls into this bucket

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Also, there is a temporary solution to “track” those “first-time” borrowers in a qualifying teacher certification program for the 2013-2014 award year

• Schools can submit an ad Hoc document to COD identifying the borrowers

• The file layout is in the 2014-2015 COD Technical Reference

• COD will hold the file and process it when Phase 2 of the 150% Subsidized Limitation release is implemented this coming Spring

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StudentLoans.gov

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StudentLoans.gov now provides ALL Federal

Student Aid electronic loan counseling tools

• Financial awareness integrated into each module

• Includes information on 150% SULA

• Both English and Spanish language available

Undergraduate and Graduate/Professional Student

PLUS entrance counseling

Exit Counseling

NSLDS continues to generate detailed Exit Counseling

reports reflecting demographic and reference information

Financial Awareness Counseling

NOT a regulatory requirement but a darn good idea

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A stand-alone Repayment Estimator is available on StudentLoans.gov

• Mobile version available as well

• Spanish and English

• Authenticated and non-authenticated users

• Authenticated users view estimated payments under various repayment plans based on several factors

Loan type/balance

Income/family size

Where you live

• Uses loan information retrieved from NSLDS

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Phase 1 of the new Loan Consolidation Application process, and Promissory Note, are available on StudentLoans.gov

• Students with no defaulted loans or no ED-assigned defaulted loans

Others use existing process

• Can combine loans of different types held by various servicers, into a single loan held by one servicer

• Provides borrowers the ability to select a servicer

• All 4 TIVAS participating

• Pre-populates existing loans based on NSLDS data

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COD Release 13.0 Award Year 2014-2015

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COD Release 13.0 for the 2014-2015 award year

is scheduled for a Spring, 2014 implementation

and will include the following major functionality

• Award Year 2014-2015 New Award Year Set-Up

(NAYS)

• Pell Grant Report modification

• Further streamline the Pell LEU dispute process with

a new Pell LEU Dispute portal on the COD Web

• Full Schema Validation

• Phase 2 of the Direct Subsidized Loan 150%

threshold

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NAYS will include the new Schema 4.0a

• EA posted October 29, 2013

• Additional 150% Subsidy Limit tags

• System Generated files returned with message class

award year designator “15”

• Common Record (CR) response files returned in

schema of submission

• Award year designator changed to “15” where

appropriate elsewhere

Master Promissory Note (MPN) ID

Loan ID

Agreement To Serve (ATS) ID

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The Expected Family Contribution (EFC) field

length on the Pell Grant documents below will

be expanded from 5 to 6 bytes to conform to a

CPS change

• The Pell Grant Reconciliation Report

• The Pell Grant Multiple Reporting Record (MRR)

• The Pell Grant Year-To-Date Record

• The Pell Grant Lifetime Eligibility Used (LEU) Report

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COD will further streamline the Pell LEU dispute

process with a new Pell LEU Dispute portal on the

COD Web

• The Portal provides the ability to create, view,

update, and even upload documentation for a Pell

LEU dispute

• Pell LEU History page will display the Pell LEU

dispute status

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Pell LEU

Dispute portal

will allow

schools to

enter dispute

information for

Department of

Education

review

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On the Pell

LEU Dispute

portal, the

required

dispute

documentation

should be

uploaded to the

COD Web

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After a dispute has been approved,

the student’s Pell LEU History page

will provide details of the dispute and

adjustment.

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For award year 2014-2015 and forward, COD will perform full XML Common Record schema validation

• Validation will be based on the Common Record XML schema version that is published Enforced: 3.0d, 3.0e, and 4.0a

Retiring: 2.0e, 3.0a, 3.0b, and 3.0c

An EA dated October 29, 2013, provides Schema 4.0 details

• Examples of common errors include general file formatting such as: Invalid character or invalid byte

Opening tag exists but end tag is missing

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For award year 2014-2015 and forward, COD will perform 100% XML Common Record schema validation

• A new “temporary” Warning Edit #211 will trigger to indicate a schema validation issue

On inbound common records with XML that doesn’t meet 100% schema validation but would have been accepted under prior year rules

The warning edit will be discontinued at a yet-to-be determined later date

• A new Reject Edit, #210, will trigger if the schema validation failed

Returned on <DocumentID> tag

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FSA held two Software Vendor conferences in

August and December of 2013 to inform them of

this coming change

• FSA sent vendors and IT shops three (3) scans of

errors found in common records created by their

software

• Top 5 schools by error

• A “collapsible” list of schools under a particular

error

For inquiries regarding XML schema

enforcement contact: [email protected]

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Phase 2 of the modifications to enforce a 150% limitation for Direct Subsidized Loans will include

• COD Common Record Schema and batch processing modifications Real-time processing of SULA data

New SULA report

New schema input fields

New SULA edits

New response for SULA calculations

• Reporting modifications

• COD Web will be updated to include the new SULA input and response tags

• New SULA Request and SULA Information pages on COD Web

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Phase 2 of the 150% subsidized limitation will

implement real-time SULA processing

• Subsidized Usage Period calculation

Returned per award via a CR response

Originations and maintenance submissions

• After nightly COD processing, all applicable schools

will receive the following data via a System Generated

response

Subsidized Usage

Subsidized Eligibility Calculation

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Phase 2 of the 150% subsidized limitation will

implement real-time SULA processing

• Subsidized Usage Period calculation

Returned per award via a CR response

Originations and maintenance submissions

• After nightly COD processing, all applicable schools

will receive the following data via a System Generated

response

Subsidized Usage

Subsidized Eligibility Calculation

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Phase 2 of the 150% subsidized limitation will see

the implementation of a new SULA report

• Will identify SULA students and their status setting for

the customer

Maximum Eligibility Period

Subsidized Usage Period

Remaining Eligibility Period

• Posted weekly on the COD website in your School

NewsBox

CSV format

Option to receive or not receive

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Schema 4.0a includes new SULA tags

• Award Block tags for Direct Subsidized, Unsubsidized,

and PLUS awards

<PublishedPgmLengthYears>

<PublishedPgmLengthWeeks>

<PublishedPgmLengthMonths>

<WeeksProgramAcademicYear>

<SpecialPrograms>

<ProgramCredentialLevel>

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Schema 4.0a includes new SULA tags

• Disbursement Block tags for Direct Subsidized,

Unsubsidized, PLUS, loans and TEACH Grants

<PaymentPeriodStartDate>

<EnrollmentStatus>

<ProgramCIPCode>

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The new <SpecialPrograms> tag will assist in

validating the type and length of program.

Value Description

P Preparatory Coursework Graduate Professional Program

U Preparatory Coursework Undergraduate Program

T Non-Credential Teacher Certification Program

A TBD

B TBD

N Not Applicable

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COD will validate the <SpecialPrograms> tag

against GL on an incoming LOR

Special Programs Tag Value Valid Grade Levels

Prep Grad P 5

Prep Undergrad U 1, 0

Teacher Cert T 5

TBD A TBD

TBD B TBD

Not Applicable N No GL validation

Tag Not Submitted N/A No GL validation

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The <ProgramCredentialLevel> tag will assist in

validating the type/length of program.

Description Program Credential Level Student Level Code

Undergraduate certificate or diploma 01 0-5 (Undergraduate)

Associate’s degree 02 0-5 (Undergraduate)

Bachelor’s degree 03 0-5 (Undergraduate)

Post Baccalaureate certificate 04 0-5 (Undergraduate)

Master’s degree 05 6-7 (Graduate)

Doctoral degree 06 6-7 (Graduate)

First Professional degree 07 6-7 (Graduate)

Graduate/Professional certificate 08 6-7 (Graduate)

Non-credential programs (preparatory coursework/teacher certification)

99 0-5 (Undergraduate)

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New award level edits

Edit Program Trigger

Reject 202 DL Cannot submit more than one tag for Published Program

Length (Years, Months or Weeks)

Reject 203 DL Incorrect Special Program submitted

Reject 206 DL Sub Remaining Subsidized Eligibility Period is less than zero for

this award

Warning 207 DL Sub Maintenance to this tag may have caused the Remaining

Subsidized Eligibility Period to drop below zero for this award

Reject 208 DL Incorrect Student Level Code submitted

Reject 209 DL Invalid value submitted for Weeks Programs Academic Year

Note: “Maintenance Record” and “Change Record” are synonymous

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New disbursement edits Edit Program Trigger

Reject 204 DL &

TEACH

Incorrect Program CIP Code submitted

Reject 205 DL Payment Period Start Date is outside the Award Begin and

End dates

Reject 207 DL Sub For HCM/Reimbursement schools, sequence issues

Existing Edit 994 and Edit 996 will be

triggered if a value is missing or not valid

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The nightly system generated response file will

address situations where a student’s subsidized

usage has changed and that school did not

receive the latest information in their last response

• Message class CRSUYYOP

YY designates the award year

Nightly generation

Schools cannot opt-out of receiving the file

Upon implementation you will receive a “blast” system

generated response containing all borrower’s SULA

calculations

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Phase 2 will include several COD reporting modifications

• New Direct Loan Subsidized Usage Change report

Direct Subsidized Loan usage Limit School Report to be discontinued

Display Subsidized loans when change to borrower’s SULA calculated values

Generated weekly and delivered on the COD Reporting website in CSV format

• New SULA fields in the Origination and Disbursement records of the Direct Loan Rebuild File AND the Duplicate Student Borrower Report

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COD will also display two new web screens

• Subsidized Usage Limit Applies Request

Allows a user to request the most recent SULA data via a new

system-generated acknowledgement

Under the Batch Tab

Search by borrower SSN and school Entity ID

• Subsidized Eligibility Information Screen

Accessible via a link on the Person Direct Loan

Information page

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EdExpress Software Release v3.0 that will transmit 150% subsidized loan limit data to COD will not be available until late June or early July

• FSA will soon communicate to Express users alternatives that will allow origination and disbursement of “early” loan and disbursement activity If you MUST originate and disburse prior to the release of

Express v3.,0 FSA will help you understand the alternatives

FSA will also communicate to you the means to “build” your EdExpress database when Direct Loan Tools is available in mid-July

Watch for an email describing what the alternatives are and your options

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COD School Relations Center

Grants: 1.800.474.7268

Direct Loans: 1.800.848.0978

Applicant Services: 1.800.557.7394

Foreign Schools: 1.571.392.3737

E-mail: [email protected]

URL: http://www.cod.ed.gov

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