<div dir="ltr"><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">Dear Flor,</div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small"><br></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">We are a Banner school and pull data from the aggregate fund screen RHIAFSH. This must be reconciled with NSLDS because a student may have made payments on the loans after we disbursed. This screen also gives us easy access to see which students have obtained an institutional loan or school certified private loan while in residence. We also look at NSLDS to see federal pre-medical school debt. Our debt letter provides information about pre-medical school debt, medical school debt and total educational debt. It is a very manual process, but we have a small population (<800). You might want to check alternatives with your IT folks.</div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small"><br></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">Good luck, this is one of the best ways to keep students up to date with their investment in education.</div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small"><br></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">Best,</div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small"><br></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">Meredith</div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small"><br></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">I</div></div><div class="gmail_extra"><br clear="all"><div><div class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div><br></div><div><br></div><font face="georgia, serif"><div><font face="georgia, serif"><br></font></div>Meredith Schor, MA, MBA</font><div><font face="georgia, serif">Director, Financial Aid</font></div><div><font face="georgia, serif"><br></font></div><div><font face="georgia, serif">The George Washington University</font></div><div><font face="georgia, serif">School of Medicine and Health Sciences<br></font></div><div><font face="georgia, serif">2300 I St. NW, Suite 106<br></font></div><div><font face="georgia, serif">Washington, DC 20052</font></div><div><font face="georgia, serif">202.994.2960</font></div><div><font face="georgia, serif">fax 202.994.9488</font></div><div><font face="georgia, serif"><a href="mailto:mschor1@law.gwu.edu" target="_blank">mschor1@gwu.edu</a></font></div><div><br></div><div><br></div><div><br></div><div><b><font color="#351c75">You must include your GW ID with all correspondence.</font></b></div><div><b><font color="#351c75"><br></font></b></div><div><div style="font-size:12.8000001907349px"><b>All students:</b> </div><div style="font-size:12.8000001907349px"><br></div><div style="font-size:12.8000001907349px">Now is the time to complete the 2017-2018 <a href="http://fafsa.ed.gov" target="_blank">Free Application for Federal Student Aid</a>.</div><div style="font-size:12.8000001907349px"><span style="font-size:12.8px">Directions for applying for aid for the 2017-2018 academic year will be updated by early January, on our website.</span><br></div><div style="font-size:12.8000001907349px"><span style="font-size:12.8px"><br></span></div><div style="font-size:12.8000001907349px"><span style="font-size:12.8px">---You can still apply for aid for the 2016-2017 academic year---</span></div><div style="font-size:12.8000001907349px"><br></div><div style="font-size:12.8000001907349px"><br></div><div style="font-size:12.8000001907349px"><br></div><div style="font-size:12.8000001907349px"><b>Important websites:</b></div><div style="font-size:12.8000001907349px"><br></div><div style="font-size:12.8000001907349px"><a href="http://www.fafsa.ed.gov/" target="_blank">www.FAFSA.ed.gov</a></div><div style="font-size:12.8000001907349px"><a href="http://www.studentloans.gov/" target="_blank">www.studentloans.gov</a></div><div style="font-size:12.8000001907349px"><a href="http://www.nslds.ed.gov/" target="_blank">www.nslds.ed.gov</a></div><div style="font-size:12.8000001907349px"><a href="https://smhs.gwu.edu/fin-aid/" target="_blank">https://smhs.gwu.edu/fin-aid/</a><br></div><div style="font-size:12.8000001907349px"><a href="https://banweb.gwu.edu/PRODCartridge/twbkwbis.P_WWWLogin" target="_blank">GWEB</a></div><div style="font-size:12.8000001907349px"><a href="http://www.aamc.org/FIRST" target="_blank">www.aamc.org/FIRST</a></div></div><div><br></div></div><div dir="ltr"><p><br></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>
<br><div class="gmail_quote">On Fri, Oct 14, 2016 at 4:39 PM, Crystal Baker <span dir="ltr"><<a href="mailto:Crystal.Baker@indstate.edu" target="_blank">Crystal.Baker@indstate.edu</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Thanks for bringing this up Flor. My school just uses the info that comes in on the FAFSA (since our students tend to have debt from prior schools). To my knowledge
there is no aggregate report from NSLDS that can be reformatted into a flat file to upload into our database. We researched that method when we first implemented our debt letter (per Indiana law).
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">I guess now we have to get creative, as the 1718 ISIR files we receive won’t have debt from the 16/17 academic year.
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Good luck to you…!<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Crystal Baker<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Director, Student Financial Aid<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Indiana State University<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><a href="http://www.indstate.edu/finaid" target="_blank">www.indstate.edu/finaid</a><u></u><u></u></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Natfinwellness [mailto:<a href="mailto:natfinwellness-bounces@lists.osu.edu" target="_blank">natfinwellness-<wbr>bounces@lists.osu.edu</a>]
<b>On Behalf Of </b>Carabez, Flor<br>
<b>Sent:</b> Thursday, October 13, 2016 1:36 PM<br>
<b>To:</b> National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject:</b> Re: [Natfinwellness] Debt Letter<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Is your school individually retrieving student information from NSLDS, or are they somehow pulling mass files. If they are pulling mass files, which file are
they pulling?<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:20.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Flor E. Carabez<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:20.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:#1f497d">Financial Education Consultant & Financial Literacy Specialist
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:#1f497d">Columbia College Chicago
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Natfinwellness [<a href="mailto:natfinwellness-bounces+fcarabez=colum.edu@lists.osu.edu" target="_blank">mailto:natfinwellness-<wbr>bounces+fcarabez=colum.edu@<wbr>lists.osu.edu</a>]
<b>On Behalf Of </b>Hertling, Leo J<br>
<b>Sent:</b> Thursday, October 13, 2016 12:22 PM<br>
<b>To:</b> National Financial Wellness Listserv<br>
<b>Subject:</b> Re: [Natfinwellness] Debt Letter<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Aggregate amounts borrowed are reported on the letters sent out. We report on anything that we have in our systems as well as anything that we can see that the
student has borrowed that is listed on NSLDs.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">We then attempt to project how much the student will borrow if they continue at their current rate and take a guestimate at what their payment may be given the
known interest rates. With private loans, this is a little murkier as interest rates are not regularly disclosed to us on an individual basis.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">This is something that is mandated by Indiana law. Any school that receives assistance from the state must provide these letters to their students.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">I don’t see that the move to PPY will affect the letters any as the information being reported to the student is not related to data on the FAFSA.<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Hope this helps,<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Leo<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Leo Hertling<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Associate Director
<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Division of Financial Aid<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Purdue University<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><a href="tel:765-494-5074" value="+17654945074" target="_blank">765-494-5074</a> (V)<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><a href="tel:765-496-3918" value="+17654963918" target="_blank">765-496-3918</a> (F)<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><a href="mailto:hertling@purdue.edu" target="_blank">hertling@purdue.edu</a><u></u><u></u></span></p>
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<p class="MsoNormal"><b><i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><img border="0" width="86" height="49" style="width:.8958in;height:.5104in" id="m_-8821075557844605615Picture_x0020_1" src="cid:image001.jpg@01D22639.8E818550" alt="Description: Description: p_web"></span></i></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Boiler
Up! <u></u><u></u></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Natfinwellness [<a href="mailto:natfinwellness-bounces@lists.osu.edu" target="_blank">mailto:natfinwellness-<wbr>bounces@lists.osu.edu</a>]
<b>On Behalf Of </b>Carabez, Flor<br>
<b>Sent:</b> Wednesday, October 12, 2016 3:57 PM<br>
<b>To:</b> National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject:</b> Re: [Natfinwellness] Debt Letter<u></u><u></u></span></p>
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<p><span style="font-family:"Calibri",sans-serif;color:black">And you're able to pull the aggregate amounts for all the student loans?<u></u><u></u></span></p>
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<p><span style="font-size:13.5pt;font-family:"Arial",sans-serif;color:black">Flor E. Carabez</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><strong><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Consultant, Outreach and Education</span></strong><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><em><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Columbia College Chicago: Student Financial Services</span></em><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">600 S. Michigan Ave. Ste 303</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Chicago, IL 60605</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> <u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Email:
<a href="mailto:fcarabez@colum.edu" id="m_-8821075557844605615LPNoLP" target="_blank">fcarabez@colum.edu</a></span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"> Natfinwellness <<a href="mailto:natfinwellness-bounces+fcarabez=colum.edu@lists.osu.edu" target="_blank">natfinwellness-bounces+<wbr>fcarabez=colum.edu@lists.osu.<wbr>edu</a>>
on behalf of Schuman, Philip Andrew <<a href="mailto:phaschum@iu.edu" target="_blank">phaschum@iu.edu</a>><br>
<b>Sent:</b> Wednesday, October 12, 2016 2:44 PM<br>
<b>To:</b> National Financial Wellness Listserv<br>
<b>Subject:</b> Re: [Natfinwellness] Debt Letter</span><span style="font-family:"Calibri",sans-serif;color:black">
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black">Flor,<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black">We send out debt letters to our students and we’re not seeing changes as a result of prior-prior. The majority of our campuses send them out after the spring disbursement. <u></u><u></u></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black">Phil<u></u><u></u></span></p>
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<p><span style="font-size:8.5pt;font-family:BentonSans;color:black">Phil Schuman<u></u><u></u></span></p>
<p><i><span style="font-size:8.5pt;font-family:BentonSans;color:#931431">Director of Financial Literacy</span></i><span style="font-size:8.5pt;font-family:BentonSans;color:#931431"><u></u><u></u></span></p>
<p><span style="font-size:8.5pt;font-family:BentonSans;color:black">504 N. Fess Ave.,<u></u><u></u></span></p>
<p><span style="font-size:8.5pt;font-family:BentonSans;color:black">Bloomington, IN 47408<u></u><u></u></span></p>
<p><span style="font-size:8.5pt;font-family:BentonSans;color:#931431"><a href="tel:317.274.7430" value="+13172747430" target="_blank">317.274.7430</a> / <a href="mailto:phaschum@iu.edu" target="_blank">phaschum@iu.edu</a> <u></u><u></u></span></p>
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<p class="MsoNormal"><b><span style="font-family:"Calibri",sans-serif;color:black">From:
</span></b><span style="font-family:"Calibri",sans-serif;color:black">Natfinwellness <<a href="mailto:natfinwellness-bounces@lists.osu.edu" target="_blank">natfinwellness-bounces@lists.<wbr>osu.edu</a>> on behalf of "Carabez, Flor" <<a href="mailto:fcarabez@colum.edu" target="_blank">fcarabez@colum.edu</a>><br>
<b>Reply-To: </b>National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Date: </b>Wednesday, October 12, 2016 at 3:07 PM<br>
<b>To: </b>National Financial Wellness Listserv <<a href="mailto:natfinwellness@lists.osu.edu" target="_blank">natfinwellness@lists.osu.edu</a>><br>
<b>Subject: </b>[Natfinwellness] Debt Letter<u></u><u></u></span></p>
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<p><span style="font-family:"Calibri",sans-serif;color:black">Hello everyone,<u></u><u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black"><u></u> <u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black">I hope this message finds you all well. Out of curiosity, do any of your respective schools send out letters to the student body notifying them of their loan debt up-to-date? If so, how will this
continue with the prior-prior year efforts with FAFSA? <u></u><u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black"><u></u> <u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black">Our school wants to adopt this action piece as well, however, we are struggling with the prior-prior year efforts, since this will not allow for us to generate aggregate up-to-date info for the whole
student body.<u></u><u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black"><u></u> <u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black">Please email me for clarity or if any of you are already moving forward with these projects.<u></u><u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black"><u></u> <u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black">Thank you in advance,<u></u><u></u></span></p>
<p><span style="font-family:"Calibri",sans-serif;color:black"><u></u> <u></u></span></p>
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<p><span style="font-size:13.5pt;font-family:"Arial",sans-serif;color:black">Flor E. Carabez</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><strong><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Consultant, Outreach and Education</span></strong><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><em><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Columbia College Chicago: Student Financial Services</span></em><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">600 S. Michigan Ave. Ste 303</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Chicago, IL 60605</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> <u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Email:
<a href="mailto:fcarabez@colum.edu" id="m_-8821075557844605615LPNoLP" target="_blank">fcarabez@colum.edu</a></span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> <u></u><u></u></span></p>
<p><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> <u></u><u></u></span></p>
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