Privacy Act of 1974; System of Records-Common Services for Borrowers, 3503-3507 [E6-746]

Agencies

• DEPARTMENT OF EDUCATION

[Federal Register Volume 71, Number 14 (Monday, January 23, 2006)]
[Notices]
[Pages 3503-3507]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: E6-746]



[[Page 3503]]

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DEPARTMENT OF EDUCATION


Privacy Act of 1974; System of Records--Common Services for 
Borrowers

AGENCY: Federal Student Aid, Department of Education.

ACTION: Notice of a new system of records.

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SUMMARY: In accordance with the Privacy Act of 1974, as amended, 
(Privacy Act), the Chief Operating Officer for Federal Student Aid of 
the U.S. Department of Education (Department) publishes this notice of 
a new system of records entitled the Common Services for Borrowers 
(CSB) system (18-11-16). Over the next three to four years, the 
Department will consolidate the activities it carries out with regard 
to making and servicing loans, and collecting or otherwise resolving 
obligations owed by an individual with respect to a loan, grant, or 
scholarship program authorized by the Higher Education Act of 1965, as 
amended (HEA). The CSB system will contain records of an individual's 
loan, grant, or scholarship and of transactions performed by the 
Department to carry out these activities. Because many of these records 
are currently maintained in the systems of records entitled Title IV 
Program Files (18-11-05) and Student Financial Assistance Collection 
Files (18-11-07), the Department will delete these other systems of 
records after it has fully phased into the new CSB system of records 
all of the records that are currently maintained in these systems of 
records. The Department seeks comment on the proposed system of records 
described in this notice, in accordance with the requirements of the 
Privacy Act.

DATES: We must receive your comments on the proposed routine uses for 
the system of records described in this notice on or before February 
22, 2006.
    The Department has filed a report describing the new system of 
records covered by this notice with the Chair of the Senate Committee 
on Homeland Security and Governmental Affairs, the Chair of the House 
Committee on Government Reform, and the Administrator of the Office of 
Information and Regulatory Affairs, Office of Management and Budget 
(OMB) on January 18, 2006. This new system of records will become 
effective on the later date of: (1) the expiration of the 40-day period 
for OMB review on February 27, 2006; or (2) February 22, 2006, unless 
the system of records needs to be changed as a result of public comment 
or OMB review.

ADDRESSES: Address all comments about the proposed routine uses to 
Patricia Dorn, Chief of Staff, Borrower Services, Federal Student Aid, 
U.S. Department of Education, 830 First Street, NE., Union Center 
Plaza, room 42G4, Washington, DC 20202-5345. If you prefer to send 
comments through the Internet, use the following address: 
CSBSystemofRecords@ed.gov.
    You must include the term ``Common Services for Borrowers'' in the 
subject line of your electronic message.
    During and after the comment period, you may inspect all public 
comments about this notice in room 42H1, 4th Floor, 830 First Street, 
NE., Washington, DC, between the hours of 8 a.m. and 4:30 p.m., Eastern 
time, Monday through Friday of each week except Federal holidays.

Assistance to Individuals With Disabilities in Reviewing the Rulemaking 
Record

    On request, we will supply an appropriate aid, such as a reader or 
print magnifier, to an individual with a disability who needs 
assistance to review the comments or other documents in the public 
rulemaking record for this notice. If you want to schedule an 
appointment for this type of aid, please contact the person listed 
under FOR FURTHER INFORMATION CONTACT.

FOR FURTHER INFORMATION CONTACT: Patricia Dorn, Chief of Staff, 
Borrower Services, Federal Student Aid, U.S. Department of Education, 
Union Center Plaza, 4th Floor, 830 First Street, NE., Washington, DC 
20202-5345. Telephone number: (202) 377-4359. If you use a 
telecommunications device for the deaf (TDD), you may call the Federal 
Relay Service (FRS) at 1-800-877-8339.
    Individuals with disabilities may obtain this document in an 
alternative format (e.g., Braille, large print, audiotape, or computer 
diskette) on request to the contact person listed in the preceding 
paragraph.

SUPPLEMENTARY INFORMATION:

Introduction

    The Privacy Act (5 U.S.C. 552a(e)(4)) requires the Department to 
publish in the Federal Register this notice of a new system of records 
maintained by the Department. The Department's regulations implementing 
the Privacy Act are contained in part 5b of title 34 of the Code of 
Federal Regulations (CFR).
    The Privacy Act applies to information about individuals that is 
maintained in a system of records from which individually identifiable 
information is retrieved by a unique identifier associated with each 
individual, such as a name or social security number. The information 
about each individual is called a ``record,'' and the system, whether 
manual or computer-based, is called a ``system of records.'' The 
Privacy Act requires each agency to publish notices of new or altered 
systems of records in the Federal Register and to submit reports to the 
Administrator of the Office of Information and Regulatory Affairs, OMB, 
the Chair of the House Committee on Government Reform, and the Chair of 
the Senate Committee on Homeland Security and Governmental Affairs, 
whenever the agency publishes a new or altered system of records.

Electronic Access to This Document

    You may view this document, as well as all other documents of this 
Department published in the Federal Register, in text or Adobe Portable 
Document Format (PDF) on the Internet at the following site: https://
www.ed.gov/news/fedregister.
    To use PDF you must have the Adobe Acrobat Reader, which is 
available free at this site. If you have questions about using PDF, 
call the U.S. Government Printing Office (GPO), toll free, at 1-888-
293-6498; or in the Washington, DC, area at (202) 512-1530.

    Note:  The official version of this document is the document 
published in the Federal Register. Free Internet access to the 
official edition of the Federal Register and the Code of Federal 
Regulations is available on GPO Access at: https://www.gpoaccess.gov/
nara/.


    Dated: January 18, 2006.
Theresa S. Shaw,
Chief Operating Officer, Federal Student Aid.

    For the reasons discussed in the preamble, the Chief Operating 
Officer, Federal Student Aid, U.S. Department of Education publishes a 
notice of the Common Services for Borrowers system of records to read 
as follows:
System Number: 18-11-16

System Name:
    Common Services for Borrowers (CSB).

Security Classification:
    None.

System Location:
    Computer Sciences Corporation, 17 Deerfield Lane, Meriden, CT 
06450.
    See the Appendix to this notice for additional system locations.

[[Page 3504]]

Categories of Individuals Covered by the System:
    This system contains records on those individuals who received a 
loan, or who are otherwise obligated to repay a loan, grant, or 
scholarship held and collected by the Department of Education 
(Department), which was made under (1) the Federal Family Education 
Loan (FFEL) Program (formerly the Guaranteed Student Loan Program 
(GSL), including Stafford Loans, Federal Insured Student Loans (FISL), 
Supplemental Loans for Students (SLS), PLUS Loans (formerly Parental 
Loans for Undergraduate Students), and Consolidation Loans); (2) the 
William D. Ford Federal Direct Loan (Direct Loan) Program (formerly 
known as the Federal Direct Student Loan Program (FDSLP), Federal 
Direct Unsubsidized and Subsidized Stafford/Ford Loans, Federal Direct 
Consolidation Loans, and Federal Direct PLUS Loans); (3) the Federal 
Perkins Loan Program (formerly known as National Direct/Defense Student 
Loans (NDSL)); (4) the Federal Pell Grant Program; (5) the Federal 
Supplemental Educational Opportunity Grant Program (FSEOG); (6) the 
Leveraging Educational Assistance Partnership (LEAP) Program; (7) the 
Special Leveraging Educational Assistance Partnership (SLEAP) Program; 
(8) the Paul Douglas Teacher Scholarship Program; and (9) the Teacher 
Quality Recruitment Scholarship Program. This system also contains 
records on individuals who apply for, but do not receive a Direct Loan, 
as well as individuals identified by the borrower or recipient of the 
loan, grant, or scholarship as references or as household members whose 
income and expenses are considered in connection with the making or 
enforcement of the grant, scholarship or loan.

Categories of Records in the System:
    This system of records will consolidate the system of records for 
all activities the Department carries out with regard to making and 
servicing loans, including collecting or otherwise resolving 
obligations owed by an individual under the Higher Education Act of 
1965, as amended (HEA). The system contains records including such 
information as the employment information, educational status, family 
income, social security number, address, e-mail address, and telephone 
numbers of those individuals obligated on the debt or whose income and 
expenses are included in a financial statement submitted by the 
individual. This system also contains records regarding the application 
for, agreement to repay, and disbursements on the loan, and loan 
guaranty, if any; the repayment history, including deferments and 
forbearances; claims by lenders on the loan guaranty; cancellation or 
discharges on grounds of qualifying service, bankruptcy discharge, 
disability (including medical records submitted to support application 
for discharge by reason of disability), death, or other statutory or 
regulatory grounds for relief.
    Additionally, this system contains records regarding the amount, 
terms, and period of scholarships, the entity that awarded the 
scholarship, the amount and percentage of time the recipient spends 
teaching, and information about the employing school and the school 
district. For grant overpayments, the system contains records about the 
amount disbursed, the school that disbursed the grant, and the basis 
for overpayment; for all debts, the system contains demographic, 
employment, and other data on the individuals obligated on the debt or 
provided as references by the obligor, and the collection actions taken 
by any holder, including write-off and compromise.

Authority for Maintenance of the System:
    Titles II, IV-A, IV-B, IV-D, IV-E and V-C of the HEA (20 U.S.C. 
1024, 1070a, 1070b-1070b-4, 1070c-1070c-4, 1070c-3a, 1071-1087-4, 
1087a-1087j, and 1087aa-1087ii, and 1104 (1998); 31 U.S.C. Chapter 37).

Purpose(s):
    The information contained in the records maintained in this system 
is used for the following reasons:
     To verify the identity of an individual.
     To determine program eligibility and benefits.
     To facilitate default reduction efforts by program 
participants.
     To enforce the conditions or terms of a loan, grant, or 
scholarship.
     To make, service, collect, assign, adjust, or discharge a 
loan or collect a grant or scholarship obligation.
     To counsel a debtor in repayment efforts.
     To investigate possible fraud and verify compliance with 
program regulations.
     To locate a delinquent or defaulted borrower, or an 
individual obligated to repay a loan, grant, or scholarship.
     To prepare a debt for litigation, provide support services 
for litigation on a debt, litigate a debt, and audit the results of 
litigation on a debt.
     To prepare for, conduct, or enforce a limitation, 
suspension, termination, or debarment action.
     To ensure that program requirements are met by educational 
and financial institutions and guaranty agencies.
     To verify whether a debt qualifies for discharge or 
cancellation.
     To conduct credit checks and respond to inquiries or 
disputes arising from information on the debt already furnished to a 
credit-reporting agency.
     To investigate complaints, update information, and correct 
errors contained in Department records.
     To refund credit balances back to the individual or loan 
holder.

Routine Uses of Records Maintained in the System, Including Categories 
of Users and the Purposes of Such Uses:
    The Department may disclose information contained in a record in 
this system of records under the routine uses listed in this system of 
records without the consent of the individual if the disclosure is 
compatible with the purposes for which the information in the record 
was collected. These disclosures may be made on a case-by-case basis 
or, if the Department has complied with the computer matching 
requirements of the Privacy Act, under computer matching agreements.
    (1) Program Disclosures. The Department may disclose records for 
the following program purposes:
    (a) To verify the identity of the individual whom the records 
indicate has applied for or received the loan, grant, or scholarship, 
disclosures may be made to guaranty agencies, educational and financial 
institutions, and to their authorized representatives; to Federal, 
State, or local agencies; to private parties such as relatives, 
business and personal associates, and present and former employers; to 
creditors; to consumer reporting agencies; to adjudicative bodies; and 
to the individual whom the records identify as the party obligated to 
repay the debt.
    (b) To determine program eligibility and benefits, disclosures may 
be made to guaranty agencies, educational and financial institutions, 
and to their authorized representatives; to Federal, State, or local 
agencies; to private parties such as relatives, business and personal 
associates, and present and former employers; to creditors; to consumer 
reporting agencies; and to adjudicative bodies.
    (c) To facilitate default reduction efforts by program 
participants, disclosures may be made to guaranty agencies, educational 
and financial institutions, and to their authorized representatives; to 
Federal, State, or local agencies; to consumer reporting agencies; and 
to adjudicative bodies.

[[Page 3505]]

    (d) To enforce the conditions or terms of the loan, grant or 
scholarship, disclosures may be made to guaranty agencies, educational 
and financial institutions, and to their authorized representatives; to 
Federal, State, or local agencies; to private parties such as 
relatives, business and personal associates, and present and former 
employers; to creditors; to consumer reporting agencies; and to 
adjudicative bodies.
    (e) To permit making, servicing, collecting, assigning, adjusting, 
or discharging a loan, or collecting a grant or scholarship obligation, 
disclosures may be made to guaranty agencies, educational institutions, 
or financial institutions that made, held, serviced, or have been 
assigned the debt, and to their authorized representatives; to a party 
identified by the debtor as willing to advance funds to repay the debt; 
to Federal, State, or local agencies; to private parties such as 
relatives, business and personal associates, and present and former 
employers; to creditors; to consumer reporting agencies; and to 
adjudicative bodies.
    (f) To counsel a debtor in repayment efforts, disclosures may be 
made to guaranty agencies, educational and financial institutions, and 
to their authorized representatives; and to Federal, State, or local 
agencies.
    (g) To investigate possible fraud and verify compliance with 
program regulations, disclosures may be made to guaranty agencies, 
educational and financial institutions, and their authorized 
representatives; to Federal, State, or local agencies; to private 
parties such as relatives, present and former employers and creditors, 
and business and personal associates; to consumer reporting agencies; 
and to adjudicative bodies.
    (h) To locate a delinquent or defaulted borrower, or an individual 
obligated to repay a loan, grant or scholarship, disclosures may be 
made to guaranty agencies, educational and financial institutions, and 
to their authorized representatives; to Federal, State, or local 
agencies; to private parties such as relatives, business and personal 
associates, and present and former employers; to creditors; to consumer 
reporting agencies; and to adjudicative bodies.
    (i) To prepare a debt for litigation, to provide support services 
for litigation on a debt, to litigate a debt, and to audit the results 
of litigation on a debt, disclosures may be made to guaranty agencies 
and their authorized representatives; to Federal, State, or local 
agencies; and to adjudicative bodies.
    (j) To prepare for, conduct, or enforce a limitation, suspension, 
and termination (LS&T) or a debarment action, disclosures may be made 
to guaranty agencies, educational or financial institutions, and to 
their authorized representatives; to Federal, State, or local agencies; 
and to adjudicative bodies.
    (k) To ensure that HEA program requirements are met by educational 
institutions, financial institutions, and guaranty agencies, 
disclosures may be made to guaranty agencies, educational or financial 
institutions, to their authorized representatives, and to auditors 
engaged to conduct an audit of a guaranty agency or an educational or 
financial institution; to Federal, State, or local agencies or 
accrediting agencies; and to adjudicative bodies.
    (l) To verify whether a debt qualifies for discharge or 
cancellation, disclosures may be made to guaranty agencies, educational 
and financial institutions, and to their authorized representatives; to 
Federal, State, or local agencies; to private parties such as 
relatives, present and former employers and creditors, and business and 
personal associates; to consumer reporting agencies; and to 
adjudicative bodies.
    (m) To conduct credit checks and to respond to inquiries or 
disputes arising from information on the debt already furnished to a 
credit reporting agency, disclosures may be made to credit reporting 
agencies; to guaranty agencies, educational and financial institutions, 
and to their authorized representatives; to Federal, State, or local 
agencies; to private parties such as relatives, present and former 
employers and creditors, and business and personal associates; and to 
adjudicative bodies.
    (n) To investigate complaints, to update information and correct 
errors contained in Department records, disclosures may be made to 
guaranty agencies, educational and financial institutions, and to their 
authorized representatives; to Federal, State, or local agencies; to 
private parties such as relatives, present and former employers and 
creditors, and business and personal associates; to credit reporting 
agencies; and to adjudicative bodies.
    (o) To refund credit balances that are processed through the 
Department's systems, as well as the Department of Treasury's payment 
applications, back to the individual or loan holder, disclosures may be 
made to guaranty agencies, educational and financial institutions, and 
to their authorized representatives; to Federal, State, or local 
agencies; and to private parties such as relatives, present and former 
employers and creditors, and business and personal associates.
    (2) Feasibility Study Disclosure. The Department may disclose 
information from this system of records to other Federal agencies and 
to guaranty agencies, and to their authorized representatives, to 
determine whether computer matching programs should be conducted by the 
Department regarding an individual's application for student financial 
assistance or compliance with the terms of such assistance, under a 
program administered by the Department. These computer matching 
programs may be used to determine program eligibility and benefits, 
facilitate default reduction efforts, enforce the conditions and terms 
of a loan or grant, permit the servicing and collecting of the loan or 
grant, enforce debarment, suspension, and exclusionary actions, counsel 
the individual in repayment efforts, investigate possible fraud and 
verify compliance with program regulations, locate a delinquent or 
defaulted debtor, and initiate legal action against an individual 
involved in program fraud or abuse.
    (3) Disclosure for Use by Other Law Enforcement Agencies. The 
Department may disclose information to any Federal, State, local, or 
foreign agency or other public authority responsible for enforcing, 
investigating, or prosecuting violations of administrative, civil, or 
criminal law or regulation if that information is relevant to any 
enforcement, regulatory, investigative, or prosecutorial responsibility 
within the receiving entity's jurisdiction.
    (4) Enforcement Disclosure. In the event that information in this 
system of records indicates, either on its face or in connection with 
other information, a violation or potential violation of any applicable 
statute, regulation, or order of a competent authority, the Department 
may disclose the relevant records to the appropriate agency, whether 
foreign, Federal, State, Tribal, or local, charged with the 
responsibility of investigating or prosecuting that violation or 
charged with enforcing or implementing the statute, executive order, 
rule, regulation, or order issued pursuant thereto.
    (5) Litigation and Alternative Dispute Resolution (ADR) Disclosure.
    (a) Introduction. In the event that one of the parties listed below 
is involved in litigation or ADR, or has an interest in litigation or 
ADR, the Department may disclose certain records to the parties 
described in paragraphs (b), (c) and (d) of this routine use under the 
conditions specified in those paragraphs:

[[Page 3506]]

    (i) The Department or any of its components; or
    (ii) Any Department employee in his or her official capacity; or
    (iii) Any Department employee in his or her individual capacity if 
the Department of Justice (DOJ) has been requested to or has agreed to 
provide or arrange for representation for the employee;
    (iv) Any Department employee in his or her individual capacity 
where the Department has agreed to represent the employee; or
    (v) The United States where the Department determines that the 
litigation is likely to affect the Department or any of its components.
    (b) Disclosure to the DOJ. If the Department determines that 
disclosure of certain records to the DOJ is relevant and necessary to 
litigation or ADR, the Department may disclose those records as a 
routine use to the DOJ.
    (c) Adjudicative Disclosure. If the Department determines that 
disclosure of certain records to an adjudicative body before which the 
Department is authorized to appear, an individual, or an entity 
designated by the Department or otherwise empowered to resolve or 
mediate disputes is relevant and necessary to the litigation or ADR, 
the Department may disclose those records as a routine use to the 
adjudicative body, individual, or entity.
    (d) Parties, Counsels, Representatives, or Witnesses. If the 
Department determines that disclosure of certain records to a party, 
counsel, representative or witness is relevant and necessary to the 
litigation or ADR, the Department may disclose those records as a 
routine use to the party, counsel, representative, or witness.
    (6) Employment, Benefit, and Contracting Disclosure.
    (a) For Decisions by the Department. The Department may disclose a 
record to a Federal, State, or local agency maintaining civil, 
criminal, or other relevant enforcement or other pertinent records, or 
to another public authority or professional organization, if necessary 
to obtain information relevant to a Department decision concerning the 
hiring or retention of an employee or other personnel action, the 
issuance of a security clearance, the letting of a contract, or the 
issuance of a license, grant, or other benefit.
    (b) For Decisions by Other Public Agencies and Professional 
Organizations. The Department may disclose a record to a Federal, 
State, local, or foreign agency or other public authority or 
professional organization, in connection with the hiring or retention 
of an employee or other personnel action, the issuance of a security 
clearance, the reporting of an investigation of an employee, the 
letting of a contract, or the issuance of a license, grant, or other 
benefit, to the extent that the record is relevant and necessary to the 
receiving entity's decision on the matter.
    (7) Employee Grievance, Complaint or Conduct Disclosure. If a 
record is relevant and necessary to an employee grievance, complaint, 
or disciplinary action, the Department may disclose the record in the 
course of investigation, fact-finding, or adjudication to any witness, 
designated fact-finder, mediator, or other person designated to resolve 
issues or decide the matter.
    (8) Labor Organization Disclosure. The Department may disclose a 
record from this system of records to an arbitrator to resolve disputes 
under a negotiated grievance procedure or to officials of a labor 
organization recognized under 5 U.S.C. Chapter 71 when relevant and 
necessary to their duties of exclusive representation.
    (9) Freedom of Information Act (FOIA) Advice Disclosure. The 
Department may disclose records to the DOJ and the OMB if the 
Department concludes that disclosure is desirable or necessary in 
determining whether particular records are required to be disclosed 
under the FOIA.
    (10) Disclosure to the DOJ. The Department may disclose records to 
the DOJ to the extent necessary for obtaining DOJ advice on any matter 
relevant to an audit, inspection, or other inquiry related to the 
programs covered by this system.
    (11) Contract Disclosure. If the Department contracts with an 
entity for the purposes of performing any function that requires 
disclosure of records in this system to employees of the contractor, 
the Department may disclose the records to those employees. Before 
entering into such a contract, the Department shall require the 
contractor to maintain Privacy Act safeguards as required under 5 
U.S.C. 552a(m) with respect to the records in the system.
    (12) Research Disclosure. The Department may disclose records to a 
researcher if the Chief of Staff of Borrower Services of the Department 
determines that the individual or organization to which the disclosure 
would be made is qualified to carry out specific research related to 
functions or purposes of this system of records. The official may 
disclose records from this system of records to that researcher solely 
for the purpose of carrying out that research related to the functions 
or purposes of this system of records. The researcher shall be required 
to maintain Privacy Act safeguards with respect to the disclosed 
records.
    (13) Congressional Member Disclosure. The Department may disclose 
the records of an individual to a member of Congress and his/her staff 
in response to an inquiry from the member made at the written request 
of that individual. The member's right to the information is no greater 
than the right of the individual who requested the inquiry.
    (14) Disclosure to OMB for Credit Reform Act (CRA) Support. The 
Department may disclose records to OMB as necessary to fulfill CRA 
requirements.

Disclosure to Consumer Reporting Agencies:
    Pursuant to 5 U.S.C. 552a(b)(12), the Department may disclose to a 
consumer reporting agency information regarding a claim by the 
Department that is determined to be valid and overdue; such information 
is limited to: (1) The name, address, taxpayer identification number, 
and other information necessary to establish the identity of the 
individual responsible for the claim; (2) the amount, status, and 
history of the claim; and (3) the program under which the claim arose. 
The Department may disclose the information specified in this paragraph 
under 5 U.S.C. 552a(b)(12) and the procedures contained in 31 U.S.C. 
3711(e). A consumer reporting agency to which these disclosures may be 
made is defined in 31 U.S.C. 3701(a)(3).

Policies and Practices for Storing, Retrieving, Accessing, Retaining, 
and Disposing of Records in the System:
Storage:
    The records are maintained in hardcopy, microfilm, magnetic storage 
and optical storage media, such as tape, disk, etc.

Retrievability:
    Records in this system are retrievable by social security number or 
name of the borrower.

Safeguards:
    All physical access to the Department's site, and the sites of the 
Department's contractors where this system of records is maintained, is 
controlled and monitored by security personnel who check each 
individual entering the building for his or her employee or visitor 
badge.
    In accordance with the Department's Administrative Communications 
System Directive OM: 5-101 entitled ``Contractor Employee Personnel 
Security Screenings,'' all contract and

[[Page 3507]]

Department personnel who have facility access and system access are 
required to undergo a security clearance investigation. Individuals 
requiring access to Privacy Act data are required to hold, at a 
minimum, a moderate-risk security clearance level. These individuals 
are required to undergo periodic screening at five-year intervals.
    In addition to conducting security clearances, contract and 
Department employees are required to complete security awareness 
training on an annual basis. Annual security awareness training is 
required to ensure that contract and Department users are appropriately 
trained in safeguarding Privacy Act data in accordance with OMB 
Circular No. A-130, Appendix III.
    The computer system employed by the Department offers a high degree 
of resistance to tampering and circumvention. This security system 
limits data access to Department and contract staff on a ``need-to-
know'' basis, and controls individual users' ability to access and 
alter records within the system. All users of this system of records 
are given a unique user identification. The Department's Federal 
Student Aid Information Security and Privacy Policy requires the 
enforcement of a complex password policy. In addition to the 
enforcement of the complex password policy, users are required to 
change their password at least every 60 to 90 days in accordance with 
the Department's information technology standards.
    At the principal site of the Department's contractor in Meriden, 
Connecticut, additional physical security measures are in place and 
access is monitored 24 hours per day, 7 days a week.

Retention and Disposal:
    Records are retained for five years after the debt is paid in full 
or otherwise closed out, and thereafter disposed of.

System Manager and Address:
    General Manager, Borrower Services, Federal Student Aid, U.S. 
Department of Education, 830 First Street, NE., Union Center Plaza, 4th 
Floor, Washington, DC 20202-5345.

Notification Procedure:
    If you wish to determine whether a record exists regarding you in 
the system of records, provide the system manager with your name, date 
of birth and social security number. Requests must meet the 
requirements of the regulations in 34 CFR 5b.5, including proof of 
identity.

Record Access Procedure:
    If you wish to gain access to a record in this system, provide the 
system manager with your name, date of birth, and social security 
number. Requests by an individual for access to a record must meet the 
requirements of the regulations in 34 CFR 5b.5, including proof of 
identity.

Contesting Record Procedure:
    If you wish to change the content of a record regarding you in the 
system of records, contact the system manager with your name, date of 
birth, and social security number, identify the specific items to be 
changed; and provide a written justification for the change. Requests 
to amend a record must meet the requirements of the regulations in 34 
CFR 5b.7.

Record Source Categories:
    The system includes information that the Department obtains from 
applicants and those individuals and their families who received a 
loan, or who are otherwise obligated to repay, a loan, grant, or 
scholarship held and collected by the Department. The Department also 
obtains information from references, guaranty agencies, educational and 
financial institutions, and their authorized representatives, Federal, 
State, or local agencies, private parties such as relatives, business 
and personal associates, and present and former employers; creditors, 
consumer reporting agencies, and adjudicative bodies.

Exemptions Claimed for the System:
    None.

Appendix to 18-11-16 Additional System Locations

Additional System Locations

U.S. Department of Education, 830 First Street, NE., UCP, 
Washington, DC 20202-5345.
U.S. Department of Education, 50 United Nations Plaza, San 
Francisco, CA 94102.
U.S. Department of Education, 111 North Canal Street, Chicago, IL 
60606.
U.S. Department of Education, 61 Forsyth Street, Atlanta, GA 30303.
Pearson Government Solutions, 3833 Greenway Drive, Lawrence, KS 
66046-5441.
Pearson Government Solutions, 2400 Oakdale Boulevard, Coralville, IA 
52241.
ACS Education Services, Inc., 501 Bleecker Street, Utica, NY 13501.
ACS Education Services, Inc., 401 34th Street, Bakersfield, CA 
93301.
ACS Education Services, Inc., 2277 East 220th Street, Long Beach, CA 
90810.
ACS Education Services, Inc., 2505 S. Finley Road, Suite 100, 
Lombard, IL 60148-4866.
ACS Education Solutions, LLC, 12410 Milestone Center Drive, 
Germantown, MD 20876.
ACS Education Solutions, LLC, 1 Curie Court, Rockville, MD 20850.
Electronic Data Systems Corporation, 5th Floor, 10100 Linn Station 
Road, Louisville, KY 40223.
Electronic Data Systems Corporation, 5th Floor, 474 South Court 
Street, Montgomery, AL 36104.
Raytheon Company, 6201 I-30, Greenville, TX 75403.
Affiliated Computer Services, Inc., 2828 N. Haskell Avenue, Building 
5, 2nd Floor, Dallas, TX 75204.
ABR Services, Inc., 14847 Persistence Drive, Woodbridge, VA 22191.
ACS Print and Mail Services (Data Direct), 11475 Reeck Road, 
Southgate, MI 48195.
EU Services, 649 North Horners Lane, Rockville, MD 20850.
ACS State Healthcare Solutions, 9040 Roswell Road, Suite 700, 
Atlanta, GA 30350.

[FR Doc. E6-746 Filed 1-20-06; 8:45 am]
BILLING CODE 4000-01-P