Privacy Act of 1974; System of Records, 54685-54695 [2014-21792]

Agencies

• DEPARTMENT OF EDUCATION

[Federal Register Volume 79, Number 177 (Friday, September 12, 2014)]
[Notices]
[Pages 54685-54695]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2014-21792]


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DEPARTMENT OF EDUCATION


Privacy Act of 1974; System of Records

AGENCY: Federal Student Aid, Department of Education.

ACTION: Notice of altered and deleted systems of records.

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SUMMARY: In accordance with the Privacy Act of 1974, as amended 
(Privacy Act), 5 U.S.C. 552a, the Chief Operating Officer for Federal 
Student Aid (FSA) of the U.S. Department of Education (the Department) 
publishes this notice to revise the system of records entitled ``Common 
Services for Borrowers'' (CSB) system (18-11-16), originally published 
in the Federal Register on January 23, 2006 (71 FR 3503).
    The Department publishes this notice to revise the CSB system of 
records as a result of amendments to the Higher Education Act of 1965, 
as amended (HEA), made by the Higher Education Reconciliation Act of 
2005 (HERA), the College Cost Reduction and Access Act of 2007 (CCRAA), 
the Higher Education Opportunity Act of 2008 (HEOA), and the Student 
Aid and Fiscal Responsibility Act of 2009 (SAFRA).

[[Page 54686]]

    Because the following two systems of records have become 
duplicative of other systems of records and are no longer needed, the 
Department also deletes the title IV Program Files (18-11-05) system of 
records, originally published in the Federal Register on April 12, 1994 
(59 FR 17351), republished on June 4, 1999 (64 FR 30106, 30163-66), and 
amended on December 27, 1999 (64 FR 72384, 72407), and the Student 
Financial Assistance Collection Files (18-11-07) system of records, 
originally published in the Federal Register on June 2, 1981 (46 FR 
29596, 29649-29650), amended on December 9, 1983 (48 FR 55159), amended 
on June 18, 1984 (49 FR 24927), republished on June 4, 1999 (64 FR 
30106, 30166-30169), and amended on December 27, 1999 (64 FR 72384, 
72407).

DATES: Submit your comments on this notice of altered and deleted 
systems of records on or before October 14, 2014.
    The Department has filed a report describing the altered 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 Oversight and Government Reform, and the Administrator of 
the Office of Information and Regulatory Affairs, Office of Management 
and Budget (OMB) on September 2, 2014. This altered system of records 
will become effective on the later date of: (1) The expiration of the 
40-day period for OMB review on October 12, 2014, unless OMB waives 10 
days of the 40-day review period for compelling reasons shown by the 
Department; or (2) October 14, 2014, unless the altered system of 
records notice needs to be changed as a result of public comment or OMB 
review. The Department will publish any changes to the altered system 
of records notice that result from public comment or OMB review.

ADDRESSES: Address all comments about this notice of altered and 
deleted systems of records to: Director, Program Management Services, 
Business Operations, Federal Student Aid, U.S. Department of Education, 
830 First Street NE., Union Center Plaza (UCP), Room 64E1, Washington, 
DC 20202-5132. If you prefer to send comments by email, use the 
following address: comments@ed.gov.
    You must include the term ``CSB comments'' in the subject line of 
your email.
    During and after the comment period, you may inspect all public 
comments about this notice in Room 64D1, UCP, 830 First Street NE., 
Washington, DC, between the hours of 8:00 a.m. and 4:30 p.m., Eastern 
Standard 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 
accommodation or auxiliary aid 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 accommodation or auxiliary aid, please 
contact the person listed under FOR FURTHER INFORMATION CONTACT.

FOR FURTHER INFORMATION CONTACT: Director, Program Management Services, 
Business Operations, Federal Student Aid, U.S. Department of Education, 
UCP, 830 First Street NE., Room 64E1, Washington, DC 20202-5132. 
Telephone number: (202) 377-3676.
    If you use a telecommunications device for the deaf (TDD) or a text 
telephone (TTY), you may call the Federal Relay Service (FRS), toll 
free, at 1-800-877-8339.

SUPPLEMENTARY INFORMATION: 

Introduction

    The CSB system of records covers records for all activities that 
the Department carries out with regard to making and servicing Federal 
title IV, HEA loans, and collecting or otherwise resolving obligations 
owed by an individual with respect to a Federal title IV, HEA loan or 
grant program. The CSB system contains records of an individual's 
Federal title IV, HEA loans or grants and of transactions performed by 
the Department to carry out the purposes of this notice.
    Authority to collect data to make and service title IV, HEA loans, 
and to otherwise resolve obligations owed by an individual with respect 
to a Federal title IV, HEA grant program, is provided by titles IV-A, 
IV-B, IV-D, and IV-E of the HEA.
    The Privacy Act (5 U.S.C. 552a(e)(4) and (11)) requires Federal 
agencies to publish in the Federal Register this notice of an altered 
system of records. 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 records about individuals that contain 
individually identifying information and that are 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.''
    Whenever the Department makes a significant change to an 
established system of records, the Privacy Act requires the Department 
to publish a notice of an altered system of records in the Federal 
Register and to prepare and send a report to the Chair of the Committee 
on Oversight and Government Reform of the House of Representatives, the 
Chair of the Committee on Homeland Security and Governmental Affairs of 
the Senate, and the Administrator of the Office of Information and 
Regulatory Affairs, OMB. These reports are intended to permit an 
evaluation of the probable effect of the proposal on the privacy rights 
of individuals.
    A change to a system of records is considered to be a significant 
change that must be reported whenever an agency expands the types or 
categories of information maintained, significantly expands the number, 
types, or categories of individuals about whom records are maintained, 
changes the purpose for which the information is used, changes the 
equipment configuration in a way that creates substantially greater 
access to the records, or adds a routine use disclosure to the system. 
The CSB system of records was first published in the Federal Register 
on January 23, 2006 (71 FR 3503), and a number of changes are needed to 
update and accurately describe the current system of records.
    The CSB system of records will facilitate the Secretary of 
Education's performance of statutory duties to make and service Federal 
title IV, HEA loans and grants under titles IV-A, IV-B, IV-D, and IV-E 
of the HEA that require:
    (1) Verifying the identity of an individual;
    (2) Determining program eligibility and benefits;
    (3) Facilitating default reduction efforts by program participants;
    (4) Enforcing the conditions or terms of a loan or grant;
    (5) Making, servicing, collecting, assigning, adjusting, 
transferring, referring, or discharging a loan or collecting a grant 
obligation;
    (6) Counseling a debtor in repayment efforts;
    (7) Investigating possible fraud or abuse and verifying compliance 
with program regulations;
    (8) Locating a delinquent or defaulted borrower or an individual 
obligated to repay a loan or grant;
    (9) Preparing a debt for litigation, providing support services for 
litigation

[[Page 54687]]

on a debt, litigating a debt, or auditing the results of litigation on 
a debt;
    (10) Preparing for, conducting, or enforcing a limitation, 
suspension, termination, or debarment action;
    (11) Ensuring that program requirements are met by educational and 
financial institutions, Federal Loan Servicers [including Title IV 
Additional Servicers (TIVAS) and Not-for-Profit (NFP) Servicers], the 
Federal Perkins Loan Servicer, Private Collection Agencies (PCAs), and 
guaranty agencies;
    (12) Verifying whether a debt qualifies for a discharge, 
cancellation, or forgiveness;
    (13) Conducting credit checks or responding to inquiries or 
disputes arising from information on the debt already furnished to a 
credit-reporting agency;
    (14) Investigating complaints, updating information, or correcting 
errors contained in Department records; and
    (15) Refunding credit balances back to the individual or loan 
holder.
    This notice expands the sections of the system notice entitled 
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM and CATEGORIES OF 
RECORDS IN THE SYSTEM. In the CATEGORIES OF INDIVIDUALS COVERED BY THE 
SYSTEM section, the system of records notice has been expanded to cover 
individuals who are obligated to repay a grant under the Academic 
Competitiveness Grant (ACG) Program, the National Science and 
Mathematics Access to Retain Talent (National SMART) Grant Program, the 
Teacher Education Assistance for College and Higher Education (TEACH) 
Grant Program, and the Iraq and Afghanistan Service Grant Program. The 
notice also expands the categories of individuals covered by the system 
of records notice to include individuals who are eligible for Civil 
Legal Assistance Attorney Student Loan Repayment Program (CLAARP). The 
CSB system of records notice will also cover individuals who are 
employed full-time by a public service organization and eligible for 
Public Service Loan Forgiveness (PSLF).
    In the CATEGORY OF RECORDS IN THE SYSTEM section, the notice 
identifies the underlying systems covered by the CSB system of records 
notice that the Department employs to make and service loans as well as 
to collect and resolve obligations that a borrower owes under the HEA. 
These systems are identified as the Direct Loan Consolidation System 
(DLCS), the Debt Management Collection System (DMCS), the Federal 
Perkins Loan Servicer System, the systems of the Federal Loan 
Servicers, the systems of the PCAs, and the Total and Permanent 
Disability (TPD) system. Further, the CSB system of records notice will 
also cover systems with information acquired from borrowers who qualify 
for the CLAARP or the PSLF Program.
    This notice further expands the system's purposes. The terms 
``transfer'' and ``refer'' were added to purpose (5) of the PURPOSES 
section of this notice. The term ``transfer'' pertains to the actions 
performed by the Federal Loan Servicers to transfer borrower loans 
among one another for the purposes of consolidating the borrower's 
account information. The term ``refer'' pertains to the process of 
referring a defaulted loan for collection. The term ``abuse'' has been 
included in purpose (7) of the PURPOSES section of this notice to 
ensure that the Department has the means to combat many types of 
improper behavior, not just fraudulent behavior. We altered purpose 
(11) of the PURPOSES section of this notice for the information 
maintained in this system relating to institutions participating in and 
administering programs under title IV of the HEA to ensure that the 
procured services of the Federal Loan Servicers and PCAs meet program 
requirements. The purpose of procuring the Federal Loan Servicers was 
to effectively manage the servicing and processing of the large number 
of Federal Family Education Loan Program loans purchased by the 
Department and the transition to 100 percent Direct Loans. The initial 
four Federal Loan Servicers were Nelnet Servicing, LLC; Great Lakes 
Education Loan Services, Inc.; Pennsylvania Higher Education Assistance 
Agency (PHEAA); and Sallie Mae, Inc. FSA subsequently also solicited 
NFP Servicers into the group of Federal Loan Servicers to support loan 
servicing. In addition, the Department has contracted with Educational 
Computer Systems, Inc. (ECSI) to service Federal Perkins Loans. 
Consequently, the notice also updates the paragraphs that describe the 
system locations of the Federal Loan Servicers, including the initial 
TIVAS and the more recently added NFP Servicers, as well as the 
locations of Federal Servicers, such as ECSI, and other Department 
contractors. The term ``forgiveness'' has been included in purpose (12) 
of the PURPOSES section of this notice to reference that a debt is 
eligible to be forgiven if it meets the program requirements for PSLF 
or CLAARP.
    We are also adding two new purposes to this system of records. We 
are adding purpose (16) of the PURPOSES section to include that the 
Department uses this system to allow educational institutions, 
financial institutions, Federal Loan Servicers, the Federal Perkins 
Loan Servicer, PCAs, and guaranty agencies to report information to the 
Department on all aspects of loans and grants made under title IV of 
the HEA in uniform formats to permit the Department directly to compare 
data submitted to the Department by individual educational 
institutions, financial institutions, third-party servicers, guaranty 
agencies, Federal Loan Servicers, the Federal Perkins Loan Servicer, or 
PCAs.
    We added purpose (17) to include that the Department uses this 
system to report to the Internal Revenue Service (IRS) information 
required by law to be reported, including, but not limited to, reports 
required by 26 U.S.C. 6050P and 6050S. Title 26 U.S.C. 6050P requires 
an entity that discharges some or all of a debt of $600 or more of 
principal to report to the IRS the amount of principal that it 
discharges. Title 26 U.S.C. 6050S requires ``any person, except as 
provided in regulations, which is engaged in a trade or business and, 
in the course of which, receives from any individual interest 
aggregating $600 or more for any calendar year on one or more qualified 
education loans'' to report to the individual and the IRS the aggregate 
amounts of payments over $600 of interest on qualified education loans 
during a calendar year.
    The notice also proposes to make a number of changes which expand 
the current routine use disclosures in the system. First, programmatic 
routine use (1)(k) has been updated to include Federal Loan Servicers, 
the Federal Perkins Loan Servicer, and PCAs as entities that the 
Department may make disclosures to in order to ensure that they meet 
HEA program requirements.
    Second, programmatic routine use (1)(l) has been updated to include 
forgiveness as a category for which a debt can qualify and to permit 
disclosure to the entities specified in this routine use in order for 
the Department to verify whether a debt qualifies for forgiveness.
    Third, the Department is adding programmatic routine use (1)(p) to 
allow the Department to make disclosures to educational institutions, 
financial institutions, guaranty agencies, Federal Loan Servicers, the 
Federal Perkins Loan Servicer, and PCAs to allow them to report 
information to the Department on all aspects of loans and grants made 
under title IV of the HEA in uniform formats to permit the Department 
directly to compare data submitted to the Department by individual 
educational institutions, financial

[[Page 54688]]

institutions, third-party servicers, guaranty agencies, Federal Loan 
Servicers, the Federal Perkins Loan Servicer, or PCAs.
    Fourth, we are also adding programmatic routine use (1)(q) to 
permit the Department to report information, including, but not limited 
to, reports required by 26 U.S.C. 6050P and 6050S, to the IRS because 
such reporting to the IRS is required by law.
    Fifth, the Department has updated routine use (9) to allow the 
Department to disclose records to the Department of Justice (DOJ) or 
OMB to obtain advice on whether the Privacy Act requires access to 
particular records in this system.
    Sixth, routine use (14) has been updated to specify that the Credit 
Reform Act (CRA) currently requires the Department to disclose to OMB 
data on lender interest benefits and special allowance payments, 
defaulted loan balances, and supplemental pre-claims assistance 
payments information.
    Seventh, the Department has added a new routine use (15) 
``Disclosure in the Course of Responding to a Breach of Data'' to 
permit the Department to disclose records to appropriate agencies, 
entities, and persons to assist in connection with the Department's 
efforts to respond to a suspected or confirmed compromise of a system 
covered by this system of records notice and to prevent, minimize, or 
remedy any harm.
    Eighth, the Department also has added new routine use (16) 
``Disclosure to Third Parties Through Computer Matching Programs,'' to 
permit the Department to make disclosures of information in this system 
to any third party through a computer matching program, which is 
conducted under a Computer Matching Agreement between the Department 
and the third party, and requires that the matching be conducted in 
compliance with the requirements of the Privacy Act of 1974, 5 U.S.C. 
552a, as amended by the Computer Matching and Privacy Protection Act of 
1988 and the Computer Matching and Privacy Protection Amendments of 
1990, and the OMB guidance interpreting these Acts. The purposes of 
these disclosures may be: (a) To establish or verify program 
eligibility and benefits under any Federal benefit programs; (b) to 
establish or verify compliance with program regulations or statutory 
requirements, such as to investigate possible fraud or abuse; and (c) 
to recoup payments or delinquent debts under any Federal benefit 
programs, such as to locate or take legal action against a delinquent 
or defaulted debtor.
    Ninth, the Department also has added new routine use (17) 
``Disclosure of Information to the U.S. Department of the Treasury,'' 
to permit the Department to make disclosures of any information in this 
system to the U.S. Department of the Treasury and its designated 
``agents,'' State agencies, and contractors whether or not the 
disclosure constitutes a computer matching program for the purpose of 
identifying, preventing, or recouping improper payments to an applicant 
for, or recipient of, Federal funds.
    Finally, the RETRIEVABILITY section has been updated to include the 
data elements that are used to retrieve the records of individuals 
pertaining to title IV, HEA loans and grants in this system.
    Collectively, these revisions will enhance the ability of the 
Secretary to collect and maintain information on Federal title IV, HEA 
loans or grants repayment obligations made, insured, guaranteed, or 
arising under titles IV-A, IV-B, IV-D, and IV-E of the HEA; and to 
otherwise resolve obligations owed by an individual with respect to a 
loan or grant program authorized by the HEA.
    Accessible Format: Individuals with disabilities can obtain this 
document in an alternative format (e.g., braille, large print, 
audiotape, or compact disc) on request to the contact person listed 
under this section.
    Electronic Access to This Document: 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 via the Federal Digital System 
at: www.gpo.gov/fdsys. At this site you can 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). To use PDF 
you must have Adobe Acrobat Reader, which is available free at the 
site.
    You may also access documents of the Department published in the 
Federal Register by using the article search feature at: 
www.federalregister.gov.
    Specifically, through the advanced search feature at this site, you 
can limit your search to documents published by the Department.

    Dated: September 2, 2014.
James W. Runcie,
Chief Operating Officer, Federal Student Aid.
    For the reasons discussed in the introduction, the Chief Operating 
Officer of Federal Student Aid (FSA), U.S. Department of Education 
(Department), deletes and alters the following systems of records to 
read as follows:
DELETED SYSTEMS:

SYSTEM NUMBER AND SYSTEM NAME:
     18-11-05 Title IV Program Files, originally published in 
the Federal Register on April 12, 1994 (59 FR 17351), republished on 
June 4, 1999 (64 FR 30106, 30163-66), and amended on December 27, 1999 
(64 FR 72384, 72407); and
     18-11-07 Student Financial Assistance Collection Files, 
originally published in the Federal Register on June 2, 1981 (46 FR 
29596, 29649-29650), amended on December 9, 1983 (48 FR 55159), amended 
on June 18, 1984 (49 FR 24927), republished on June 4, 1999 (64 FR 
30106, 30166-30169), and amended on December 27, 1999 (64 FR 72384, 
72407).
ALTERED SYSTEM:

SYSTEM NUMBER: 18-11-16

SYSTEM NAME:
    Common Services for Borrowers (CSB).

SECURITY CLASSIFICATION:
    None.

SYSTEM LOCATION:
    Virtual Data Center (VDC), Dell Systems, 2300 West Plano Parkway, 
Plano, TX 75075-8427.
    U.S. Department of Education, Federal Student Aid, 830 First Street 
NE., Union Center Plaza (UCP), Washington, DC 20202-5132.
    See Appendix II to this notice for the name and location of 
additional Department locations as well as those of Department 
contractors with access to this system of records.
    Federal Loan Servicers:
     Great Lakes Educational Loan Services, Inc., 2401 
International Lane, Madison, WI 53704-3121;
     Nelnet Servicing LLC, 1001 Fort Crook Road N., Suite 132, 
Bellevue, NE 68005, 6420 Southpoint Parkway, Jacksonville, FL 32216-
8009 and 3015 South Parker Road, Aurora, CO 80014-2906;
     Pennsylvania Higher Education Assistance Agency (PHEAA), 
1200 North 7th Street, Harrisburg, PA 17102-1419; and
     Sallie Mae, 11100 USA Parkway, Fishers, IN 46037-9203.
    The Department contracts with the aforementioned four Federal Loan 
Servicers group to effectively manage the servicing and processing of 
the large number of Federal Family Education Loan Program loans 
purchased by the Department and as a result of the transition to 100 
percent Direct Loans.

[[Page 54689]]

    The Department also contracts with Not-for-Profit (NFP) Servicers, 
which also serve as Federal Loan Servicers to support loan servicing. 
See Appendix II to this notice for the name and location of each NFP 
Servicer with which the Department contracts.
    In addition to the Federal Loan Servicers listed above, the 
Department contracts with Educational Computer Systems, Inc. (ECSI), 
181 Montour Run Road, Coraopolis, PA 15108-9408, to service Federal 
Perkins Loans.
    The Department also contracts with Private Collection Agencies 
(PCAs) to collect delinquent or defaulted loans. See Appendix II to 
this notice for the name and location of each PCA with which the 
Department contracts.
    Other contractors that the Department contracts with to maintain 
this system of records are found in Appendix II to this notice along 
with the name of the system that they support.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    The CSB system contains records on those individuals who received a 
loan or who are otherwise obligated to repay a loan or grant made under 
title IV of the Higher Education Act of 1965, as amended (HEA), held 
and collected by the Department, which was made under: (1) The Federal 
Family Education Loan (FFEL) Program, 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, including Federal Direct Unsubsidized and 
Subsidized Stafford/Ford Loans, Federal Direct Consolidation Loans, and 
Federal Direct PLUS Loans; (3) the Federal Perkins Loan Program; (4) 
the Federal Pell Grant Program; (5) the Federal Supplemental Education 
Opportunity Grant (FSEOG) Program; (6) the Leveraging Educational 
Assistance Partnership (LEAP) Program; (7) the Special Leveraging 
Educational Assistance Partnership (SLEAP) Program; (8) Academic 
Competiveness Grant (ACG) Program; (9) National Science and Mathematics 
Access to Retain Talent (SMART) Grant Program; (10) Teach Education 
Assistance for College and Higher Education (TEACH) Grant Program; (11) 
the Iraq and Afghanistan Service Grant Program; (12) the Civil Legal 
Assistance Attorney Student Loan Repayment Program (CLAARP); and (13) 
the Public Service Loan Forgiveness (PSLF) 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 Federal title IV, HEA loan or grant as 
references or as household members whose income and expenses are 
considered in connection with the making or the enforcement of the 
grant or loan.

CATEGORIES OF RECORDS IN THE SYSTEM:
    This system of records covers the records in all systems used by 
the Department to carry out activities with regard to making and 
servicing loans, including collecting or otherwise resolving 
obligations owed by an individual under title IV of the HEA. The 
following systems are covered by this system of records notice: Direct 
Loan Consolidation System (DLCS), Debt Management Collection System 
(DMCS), CLAARP system, PSLF system, systems operated by the Federal 
Loan Servicers to accomplish the purpose(s) of this system of records, 
systems operated by the Federal Perkins Loan Program Servicer to 
accomplish the purpose(s) of this system of records, systems operated 
by the PCAs to accomplish the purpose(s) of this system of records, and 
Total and Permanent Disability (TPD) system.
    This system of records contains the employment information, 
educational status, family income, Social Security number (SSN), 
address(es), email address(es), and telephone number(s) of the 
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 including, but not limited to, 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; and 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, for title IV, HEA 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 amounts and 
compromise amounts.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    Titles IV-A, IV-B, IV-D, and IV-E of the HEA.

PURPOSES:
    The information maintained in this system of records is used for 
the following purposes:
    (1) To verify the identity of an individual;
    (2) To determine program eligibility and benefits;
    (3) To facilitate default reduction efforts by program 
participants;
    (4) To enforce the conditions or terms of a loan or grant;
    (5) To make, service, collect, assign, adjust, transfer, refer, or 
discharge a loan or collect a grant obligation;
    (6) To counsel a debtor in repayment efforts;
    (7) To investigate possible fraud or abuse or verify compliance 
with program regulations;
    (8) To locate a delinquent or defaulted borrower, or an individual 
obligated to repay a loan or grant;
    (9) To prepare a debt for litigation, provide support services for 
litigation on a debt, litigate a debt, or audit the results of 
litigation on a debt;
    (10) To prepare for, conduct, or enforce a limitation, suspension, 
termination, or debarment action;
    (11) To ensure that program requirements are met by educational and 
financial institutions, Federal Loan Servicers, the Federal Perkins 
Loan Servicer, PCAs, and guaranty agencies;
    (12) To verify whether a debt qualifies for discharge, 
cancellation, or forgiveness;
    (13) To conduct credit checks or respond to inquiries or disputes 
arising from information on the debt already furnished to a credit-
reporting agency;
    (14) To investigate complaints, update information, or correct 
errors contained in Department records;
    (15) To refund credit balances to the individual or loan holder;
    (16) To allow educational institutions, financial institutions, 
Federal Loan Servicers, the Federal Perkins Loan Servicer, PCAs, and 
guaranty agencies to report information to the Department on all 
aspects of loans and grants made under title IV of the HEA in uniform 
formats to permit the Department directly to compare data submitted to 
the Department by individual educational institutions, financial 
institutions, third-party servicers, guaranty agencies, Federal Loan 
Servicers, the Federal Perkins Loan Servicer, or PCAs; and
    (17) To report to the Internal Revenue Service (IRS) information 
required by law to be reported, including, but not

[[Page 54690]]

limited to, reports required by 26 U.S.C. 6050P and 6050S.

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 of 1974, as amended (Privacy Act), 
under a computer matching agreement. Return information that the 
Department obtains from the IRS (i.e., taxpayer mailing address) per a 
computer matching program (discussed in Appendix I to this notice) 
under the authority of 26 U.S.C. 6103(m)(2) or (m)(4) may be disclosed 
only as authorized by 26 U.S.C. 6103.
    (1) Program Disclosures. The Department may disclose records for 
the following program purposes:
    (a) To verify the identity of the individual whom records indicate 
has applied for or received the loan or grant, disclosures may be made 
to guaranty agencies, educational and financial institutions, and their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; 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 their authorized representatives; to Federal, State, or local 
agencies, and their authorized representatives; 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 their authorized representatives; to 
Federal, State, or local agencies, and their authorized 
representatives; to consumer reporting agencies; and to adjudicative 
bodies;
    (d) To enforce the conditions or terms of the loan or grant, 
disclosures may be made to guaranty agencies, educational and financial 
institutions, and their authorized representatives; to Federal, State, 
or local agencies, and their authorized representatives; 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, 
transferring, referring, or discharging a loan or collecting a grant 
obligation, disclosures may be made to guaranty agencies, educational 
institutions, or financial institutions that made, held, serviced, or 
have been assigned the debt, and 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, and their authorized 
representatives; 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 
their authorized representatives; and to Federal, State, or local 
agencies, and their authorized representatives;
    (g) To investigate possible fraud or abuse or 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, and their 
authorized representatives; to private parties, such as relatives, 
present and former employers, and business and personal associates; to 
creditors; to consumer reporting agencies; and to adjudicative bodies;
    (h) To locate a delinquent or defaulted borrower, or an individual 
obligated to repay a loan or grant, disclosures may be made to guaranty 
agencies, educational and financial institutions, and their authorized 
representatives; to Federal, State, or local agencies, and their 
authorized representatives; 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, or 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 their authorized representatives; and to adjudicative 
bodies;
    (j) To prepare for, conduct, or enforce a limitation, suspension, 
and termination or a debarment action, disclosures may be made to 
guaranty agencies, educational or financial institutions, and their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; and to adjudicative bodies;
    (k) To ensure that HEA program requirements are met by educational 
and financial institutions, guaranty agencies, Federal Loan Servicers, 
the Federal Perkins Loan Servicer, and PCAs, disclosures may be made to 
guaranty agencies, educational or financial institutions, and 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, their authorized representatives, or 
accrediting agencies; and to adjudicative bodies;
    (l) To verify whether a debt qualifies for discharge, forgiveness, 
or cancellation, disclosures may be made to guaranty agencies, 
educational and financial institutions, and their authorized 
representatives; to Federal, State, or local agencies, and their 
authorized representatives; to private parties, such as relatives, 
present and former employers, and business and personal associates; to 
creditors; to consumer reporting agencies; and to adjudicative bodies;
    (m) To conduct credit checks or 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 their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; to private parties, such as 
relatives, present and former employers, and business and personal 
associates; to creditors; and to adjudicative bodies;
    (n) To investigate complaints or to update information or correct 
errors contained in Department records, disclosures may be made to 
guaranty agencies, educational and financial institutions, and their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; to private parties, such as 
relatives, present and former employers, and business and personal 
associates; to creditors; to credit

[[Page 54691]]

reporting agencies; and to adjudicative bodies;
    (o) To refund credit balances that are processed through the 
Department's systems, as well as the U.S. Department of the Treasury's 
(Treasury's) payment applications, to the individual or loan holder, 
disclosures may be made to guaranty agencies, educational and financial 
institutions, and their authorized representatives; to Federal, State, 
or local agencies, and their authorized representatives; to private 
parties, such as relatives, present and former employers, and business 
and personal associates; and to creditors;
    (p) To allow the reporting of information to the Department on all 
aspects of loans and grants made under title IV of the HEA in uniform 
formats and to permit the Department directly to compare data submitted 
to the Department by individual educational institutions, financial 
institutions, third-party servicers, guaranty agencies, Federal Loan 
Servicers, the Federal Perkins Loan Servicer, or PCAs, disclosures may 
be made to educational institutions, financial institutions, guaranty 
agencies, Federal Loan Servicers, the Federal Perkins Loan Servicer, 
and PCAs; and
    (q) To report information required by law to be reported, 
including, but not limited to, reports required by 26 U.S.C. 6050P and 
6050S, disclosures may be made to the IRS.
    (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 for purposes such as to locate a delinquent or defaulted 
debtor or to verify compliance with program regulations.
    (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 alone or in connection with other 
information, a violation or potential violation of any applicable 
statutory, regulatory, or legally binding requirement, the Department 
may disclose the relevant records to an entity charged with the 
responsibility for investigating or enforcing those violations or 
potential violations.
    (5) Litigation and Alternative Dispute Resolution (ADR) Disclosure.
    (a) Introduction. In the event that one of the parties listed below 
is involved in judicial or administrative litigation or ADR, or has an 
interest in such 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:
    (i) The Department or any of its components;
    (ii) Any Department employee in his or her official capacity;
    (iii) Any Department employee in his or her individual capacity 
where the Department of Justice (DOJ) has been requested to or agrees 
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; and
    (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 
the judicial or administrative 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 or to an individual or an entity 
designated by the Department or otherwise empowered to resolve or 
mediate disputes is relevant and necessary to the judicial or 
administrative litigation or ADR, the Department may disclose those 
records as a routine use to the adjudicative body, individual, or 
entity.
    (d) Parties, Counsel, Representatives, and Witnesses. If the 
Department determines that disclosure of certain records to a party, 
counsel, representative, or witness is relevant and necessary to the 
judicial or administrative 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 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 this 
system of records 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) and Privacy Act Advice 
Disclosure. The Department may disclose records to the DOJ or to the 
Office of Management and Budget (OMB) if the Department determines that 
disclosure is desirable or necessary in determining whether particular 
records are required to be disclosed under the FOIA or the Privacy Act.
    (10) Disclosure to the DOJ. The Department may disclose records to 
the DOJ, or the authorized representative of 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) Contracting 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

[[Page 54692]]

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) of the Privacy Act with respect to the records in the 
system.
    (12) Research Disclosure. The Department may disclose records to a 
researcher if 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 Department 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 in response to an 
inquiry from the Member made at the written request of that individual 
whose records are being disclosed. 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. These requirements currently include transfer of data on 
lender interest benefits and special allowance payments, defaulted loan 
balances, and supplemental pre-claims assistance payments information.
    (15) Disclosure in the Course of Responding to a Breach of Data. 
The Department may disclose records to appropriate agencies, entities, 
and persons when (a) the Department suspects or has confirmed that the 
security or confidentiality of information in a system covered by this 
system of records notice has been compromised; (b) the Department has 
determined that as a result of the suspected or confirmed compromise 
there is a risk of harm to economic or property interests, identity 
theft or fraud, or harm to the security or integrity of this system or 
other system or programs (whether maintained by the Department or 
another agency or entity) that rely upon the compromised information; 
and (c) the disclosure made to such agencies, entities, and persons is 
reasonably necessary to assist in connection with the Department's 
efforts to respond to the suspected or confirmed compromise and 
prevent, minimize, or remedy such harm.
    (16) Disclosure to Third Parties through Computer Matching 
Programs. Unless otherwise prohibited by other laws, any information 
from this system of records, including personal information obtained 
from other agencies through computer matching programs, may be 
disclosed to any third party through a computer matching program, which 
is conducted under a Computer Matching Agreement between the Department 
and the third party, and requires that the matching be conducted in 
compliance with the requirements of the Privacy Act. Purposes of these 
disclosures may be: (a) To establish or verify program eligibility and 
benefits, (b) to establish or verify compliance with program 
regulations or statutory requirements, such as to investigate possible 
fraud or abuse; and (c) to recoup payments or delinquent debts under 
any Federal benefit programs, such as to locate or take legal action 
against a delinquent or defaulted debtor. Appendix I to this notice 
includes a listing of the computer matching programs that the 
Department currently engages in or has recently engaged in with respect 
to this system of records.
    (17) Disclosure of Information to Treasury. The Department may 
disclose records of this system to (a) a Federal or State agency, its 
employees, agents (including contractors of its agents), or 
contractors, or (b) a fiscal or financial agent designated by the 
Treasury, including employees, agents, or contractors of such agent, 
for the purpose of identifying, preventing, or recouping improper 
payments to an applicant for, or recipient of, Federal funds, including 
funds disbursed by a State in a State-administered, Federally funded 
program; and disclosure may be made to conduct computerized comparisons 
for this purpose.

DISCLOSURE TO CONSUMER REPORTING AGENCIES:
    Disclosure pursuant to 5 U.S.C. 552a(b)(12): The Department may 
disclose to a consumer reporting agency information regarding a valid 
overdue claim of the Department; 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 15 U.S.C. 1681a(f) and 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 pertaining to a title IV, HEA loan borrower 
or grant recipient are retrieved by a single data element or a 
combination of the following data elements to include the SSN, name, 
address, randomly generated number, debt number, phone number, debt 
type reference, debt type extension debt number, commercial name, 
commercial contact name, legacy ID, driver's license number, American 
Bankers Association (ABA) routing number, bankruptcy docket number, 
debt placement date, debt user defined page (UDP), email address, last 
worked date, payment additional extension reference ID, payment 
extension reference ID, tag short name, total balance, credit bureau 
legacy ID, debt type group short name, debt type short name, department 
name, institution account number, judgment docket number, license-
issuing State, next scheduled payment amount, next scheduled payment 
date, office name, original debt type name, PCA group short name, and 
PCA short name.

SAFEGUARDS:
    All physical access to the Department's site, and to the sites of 
the Federal Loan Servicers, PCAs, the Federal Perkins Loan Servicer, 
and other contractors listed in Appendix II to this notice, 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 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

[[Page 54693]]

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 and password. The Department's 
FSA Information Security and Privacy Policy requires the enforcement of 
a complex password policy. In addition to the enforcement of a 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 system locations of the Federal Loan Servicers, PCAs, the 
Federal Perkins Loan Servicer, and other contractors, as listed in 
Appendix II entitled ``Additional System Locations,'' additional 
physical security measures are in place and access is monitored 24 
hours per day, 7 days a week.

RETENTION AND DISPOSAL:
    In accordance with the Department's record retention and 
disposition schedule, records for Pell Grant Program awards are 
retained for fifteen years after final payment or audit, whichever is 
sooner, and thereafter destroyed. Insured loans are retained for three 
years after repayment or cancellation of the loan and thereafter 
destroyed. The Department will work with the National Archives and 
Records Administration to develop a disposition schedule for the other 
records in this system of records. The records will be maintained until 
such a schedule has been established.

SYSTEM MANAGER AND ADDRESS:
    Director, Program Management Services, Business Operations, Federal 
Student Aid, U.S. Department of Education, 830 First Street NE., Room 
64E1, UCP, Washington, DC 20202-5132.

NOTIFICATION PROCEDURE:
    If you wish to determine whether a record exists regarding you in 
this system of records, provide the system manager with your name, date 
of birth, and SSN. Requests must meet the requirements of the 
regulations in 34 CFR 5b.5 and 5b.7, including proof of identity.

RECORD ACCESS PROCEDURES:
    If you wish to gain access to a record in this system, provide the 
system manager with your name, date of birth, and SSN. 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 contest the content of a record in this system of 
records, contact the system manager with your name, date of birth, and 
SSN; 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, or 
who are otherwise obligated to repay, a loan or grant held and 
collected by the Department. The Department also obtains information 
from Federal Loan Servicers, PCAs, the Federal Perkins Loan Servicer, 
references, guaranty agencies, educational and financial institutions 
and their authorized representatives, and Federal, State, and local 
agencies and their authorized representatives; private parties, such as 
relatives and business and personal associates; present and former 
employers; creditors; consumer reporting agencies; and adjudicative 
bodies.

EXEMPTIONS CLAIMED FOR THE SYSTEM:
    None.

APPENDIX I to 18-11-16 COMPUTER MATCHING PROGRAMS IN WHICH THE 
DEPARTMENT CURRENTLY ENGAGES OR HAS RECENTLY ENGAGED WITH RESPECT TO 
THIS SYSTEM:
    (1) The Department is performing, or has recently engaged in, 
computer matching programs involving a computerized comparison between 
this system of records and systems of records maintained by the 
following Federal agencies:
    (a) The U.S. Department of the Treasury, IRS [matching notice last 
published on May 31, 2012 (77 FR 32085-32086)], as authorized under 
section 6103(m)(2) and (m)(4) of the Internal Revenue Code (26 U.S.C. 
6103(m)(2) and (m)(4)), to obtain taxpayer mailing addresses for use in 
locating individuals to collect or compromise Federal claims, in 
accordance with 31 U.S.C. 3711, 3717, and 3718, and in locating 
individuals who received overpayments of grants made under subpart 1 of 
part A of title IV of the HEA or who defaulted on loans made under part 
B, D, or E of title IV of the HEA;
    (b) The Department of Housing and Urban Development's Credit Alert 
Interactive Voice Response System (CAIVRS) [matching notice last 
published on July 5, 2011 (76 FR 39119-39120)] to allow program 
agencies to prescreen applicants for loans made or loans guaranteed by 
the Federal government to determine if the applicant is delinquent or 
has defaulted on a debt owed to, or insured by, the Federal government; 
and
    (c) The Department of Health and Human Services' National Directory 
of New Hires Data Base (NDNH) [matching notice last published on May 9, 
2006 (71 FR 26934-26935)], as authorized under Section 453(j)(6) of the 
Social Security Act (42 U.S.C. 653(j)(6)), to obtain employment-related 
and address information on individuals who have defaulted on a loan 
made under title IV of the HEA or have an obligation to refund a grant 
overpayment awarded under title IV of the HEA.
    These computer matching programs are conducted in compliance with 
the requirements of the Privacy Act, including publishing in the 
Federal Register a notice describing the new or altered matching 
program and the entry into a Computer Matching Agreement between the 
Department and the Federal agencies listed above, which are approved by 
the Data Integrity Boards of the Department and the Federal agency with 
which the Department conducts the computer matching program.

APPENDIX II TO 18-11-16 ADDITIONAL SYSTEM LOCATIONS--THE DEPARTMENT AND 
ITS CONTRACTORS:
    U.S. Department of Education, 50 Beale Street, San Francisco, CA 
94105.
    U.S. Department of Education, 500 West Madison Street, Chicago, IL 
60661.
    U.S. Department of Education, 61 Forsyth Street, Atlanta, GA 30303.
    Pearson Government Solutions, 3833 Greenway Drive, Lawrence, KS 
66046-5441 (Department contractor--DMCS).
    Pearson Government Solutions, 2400 Oakdale Boulevard, Coralville, 
IA 52241 (Department contractor--DMCS).
    Maximus Federal Services, Inc.: 5202 Presidents Court Frederick, MD 
21703; 11400 Westmoor Circle, Westminster, CO 80021; 9651 Hornbaker 
Road, Manassas, VA 20109 (Department contractor--DMCS).
    HP Enterprise Services, 5th Floor, 10100 Linn Station Road, 
Louisville, KY 40223 (Department contractor--DLCS).
    HP Enterprise Services, 100 Capitol Commerce Center Boulevard,

[[Page 54694]]

Montgomery, AL 36117 (Department contractor--DLCS).
    HP Enterprise Services, 6901 Windcrest Drive, Plano, TX 75024 
(Department contractor--DLCS).
    Nelnet Servicing LLC, 1001 Fort Crook Road N., Suite 132, Bellevue, 
NE 68005 (Department contractor--TPD).

    Xerox Corporation

    Xerox Corporation, 2277 East 220th Street, Long Beach, CA 90810 
(Xerox Commercial office).
    Xerox Corporation, 2505 S. Finley Road, Suite 100, Lombard, IL 
60148-4866 (Xerox Commercial office).
    Xerox Corporation, 12410 Milestone Center Drive, Germantown, MD 
20876 (Department Contractor--DMCS).
    Xerox Corporation, 501 Bleecker Street, Utica, NY 13501 (Department 
contractor--DMCS).
    Xerox Corporation, 6201 I-30, Greenville, TX 75403 (Department 
contractor--DMCS).
    Xerox Corporation, 2828 N. Haskell Avenue, Building 5, 2nd Floor, 
Dallas, TX 75204 (Department contractor--DMCS).
    ABR Services, Inc., 3480 Catterton Place, Waldorf, MD 20602 (sub-
contractor--Fulfillment Services for DMCS mailings).

    Not-For-Profit (NFP) Servicers

     Missouri Higher Education Loan Authority (MOHELA): 633 
Spirit Drive, Chesterfield, MO 63005; 400 East Walnut Street, Columbia, 
MO 65201; 1001 N. 6th Street, Harrisburg, PA 17102; 300 Long Meadow 
Road, Sterling Forest, NY 10979.
     Education Servicers of America, Inc. (ESA)/Edfinancial: 
298 N. Seven Oaks Drive, Knoxville, TN 37922; 120 N. Seven Oaks Drive, 
Knoxville, TN 37922; 5600 United Drive, Smyrna, GA 30082; 1001 Fort 
Crook Rd. N., Suite 132, Bellevue, NE 68005-4247; 700 East 54th St. 
North, Suite 200, Sioux Falls, SD 57104; 13271 North Promenade Blvd., 
Stafford, TX 77477-3957; 2307 Directors Row, Indianapolis, IN 46241.
     Utah Higher Education Assistance Authority (UHEAA)/
Cornerstone Education Loan Services: 60 S. 400 W., Board Of Regents' 
Building, Gateway Two, Salt Lake City, UT 84101-1284; 350 S. 900 W., 
Richfield, UT 84701; 6279 East Little Cottonwood Road, Sandy, UT 84092; 
1001 N. 6th Street, Harrisburg, PA 17102.
     Oklahoma Student Loan Authority (OSLA): 525 Central Park 
Drive, Suite 600, Oklahoma City, OK 73154; 7499 East Paradise Lane 
Suite 108, Scottsdale, AZ 85260; 11300 Partnership Drive C, 
Oklahoma City, OK 73013; 1001 Fort Crook Road N., Suite 132, Bellevue, 
NE 68005; 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104; 
13100 North Promenade Blvd., Stafford, TX 77477; 1601 Leavenworth St., 
Omaha, NE 68102.
     Vermont Student Assistance Corporation (VSAC): 10 East 
Allen St., Winooski, VT 05404; 1001 Fort Crook Rd. N., Suite 132, 
Bellevue, NE 68005-4247; 700 East 54th St. North, Suite 200, Sioux 
Falls, SD 57104.
     ISL Service Corporation/Aspire Resources Inc.: 6775 Vista 
Dr., West Des Moines, IA 50266; 6955 Vista Dr., West Des Moines, IA 
50266; 3096 104th St., Urbandale, IA 50322; 1870 East Euclid Avenue, 
Des Moines, IA 50313; 1435 Northridge Cr. NE., Altoona, IA 50009; 1001 
N. 6th Street, Harrisburg, PA 17102; 300 Long Meadow Road, Sterling 
Forest, NY 10979.
     New Hampshire Higher Education Loan Corporation (NHHELCO)/
Granite State Management & Resources (GSM&R): 3 and 4 Barrell Court, 
Concord, NH 03301; 401 N. Broad St., Suite 600, Philadelphia, PA 19108; 
21 Terry Ave., Burlington, MA 01803; 1001 Fort Crook Rd. N., Suite 132, 
Bellevue, NE 68005-4247; 700 East 54th St. North, Suite 200, Sioux 
Falls, SD 57104; 13100 North Promenade Boulevard, Stafford, TX 77477; 
1601 Leavenworth St., Omaha, NE 68102.
     South Carolina Student Loan Corporation: 16 Berryhill Rd., 
Ste. 121, Columbia, SC 29210; 401 North Broad St., Philadelphia, PA 
19108; 2400 Reynolda Rd., Winston-Salem, NC 27106.
     Tru Student, Inc.: 2500 Broadway, Helena, MT 59601; 680 E. 
Swedesford Road, Wayne, PA 19087; 1424 National Avenue, Helena, MT 
59601; 1700 National Avenue, Helena, MT 59601; 1001 N. 6th Street, 
Harrisburg, PA 17102; 300 Long Meadow Road, Sterling Forest, NY 10979.
     Kentucky Higher Education Student Loan Corporation 
(KHESLC): 10180 Linn Station Road, Louisville, KY 40223; 2400 Reynolda 
Rd., Winston-Salem NC 27106; 6825 Pine Street, Omaha, NE 68106; 1001 
Fort Crook Road N., Suite 132, Bellevue, NE 68005-4247.
     College Foundation, Inc.: 2917 Highwoods Boulevard, 
Raleigh, NC 27604; 3120 Poplarwood Court, Raleigh, NC 27604; 924 Ellis 
Road, Durham, NC 27703; 2400 Reynolda Road, Winston-Salem, NC 27106.
     Council for South Texas Economic Progress (COSTEP): 2540 
W. Trenton Rd., Edinburg, TX 78539; 1044 Liberty Park Drive, Austin, TX 
78746; 2400 Reynolda Rd., Winston-Salem, NC 27106.
     Georgia Student Finance Authority: 2082 East Exchange 
Place, Tucker, Georgia 30084; 401 North Broad Street, Philadelphia, PA 
19130; 5600 United Drive, Smyrna, GA 30082; 2400 Reynolda Road, 
Winston-Salem, NC 27106.
     New Mexico Educational Assistance Foundation: 7400 Tiburon 
NE., Albuquerque, NM 87109; 123 Central Ave NW., Albuquerque, NM 87102; 
1200 North Seventh Street, Harrisburg, PA 17102-1444; 300 Long Meadow 
Lane, Sterling Forest, NY 10979.
     Connecticut (Campus Partners): 2400 Reynolda Road, 
Winston-Salem, NC 27106; 8906 Two Notch Road, Columbia, SC 29223; 10180 
Linn Station Road, Suite C200, Louisville, KY 40223; 2917 Highwoods 
Blvd., Raleigh, NC 27629; 1001 Fort Crook Road North, Suite 132, 
Bellevue, NE 68005; 11425 South 84th Street, Papillion, NE 68046; 20441 
Century Blvd., Germantown, MD 20874; 400 Perimeter Park Drive, 
Morrisville, NC 27560; 1600 Malone Street, Millville, NJ 08332; 123 
Wyoming Avenue, Scranton, PA 18503.

    Private Collection Agencies (PCAs)

     Collecto, Inc. Dba EOS CCA: 700 Longwater Drive, Norwell, 
MA 02061.
     GC Services: 4326 N. Broadway Northgate Plaza, Knoxville, 
TN 37917.
     Allied Interstate: 335 Madison Avenue, 27th floor, New 
York, NY 10017.
     The CBE Group, Inc.: 1309 Technology Parkway, Cedar Falls, 
IA 50613.
     Diversified Collection Service (DCS): 333 North Canyons 
Parkway, Suite 100, Livermore, California 94551.
     Financial Asset Management Systems, Inc. (FAMS): 1967 
Lakeside Parkway, Suite 402, Tucker, GA 30084.
     NCO Financial Systems, Inc.: 507 Prudential Road, Horsham, 
PA 19044.
     Pioneer Credit Recovery, Inc.: 26 Edward Street, Arcade, 
NY 14009.
     Account Control Technology, Inc.: 6918 Owensmouth Avenue, 
Canoga Park, CA 91303.
     Van Ru Credit Corporation: 1350 E. Touhy Avenue, Suite 
300E, Des Plaines, IL 60018.
     Progressive Financial Services: 1510 Chester Pike Suite 
250, Eddystone, PA 19022.
     West Asset Management Enterprises, Inc.: 2221 New Market 
Parkway, Suite 120, Marietta, GA 30067.
     Premiere Credit of North America: 2002 Wellesley 
Boulevard, Suite 100, Indianapolis, IN 46219.
     ConServe: 200 CrossKeys Office Park, Fairport, NY 14450.

[[Page 54695]]

     Financial Management Systems (FMS): 1000 E. Woodfield 
Road, Suite 102, Schaumburg, IL 60173-4728.
     Collection Technology, Inc.: 1200 Corporate Center Drive, 
Suite 325, Monterey Park, CA 91754.
     Enterprise Recovery Systems, Inc. (ERS): 2400 S. Wolf 
Road, Suite 200, Westchester, IL 60154.
     Windham Professionals, Inc.: 380 Main Street, Salem, NH 
03079.
     Delta Management Associates, Inc.: 100 Everett Avenue 
Suite 6, Chelsea, MA 02150.
     Immediate Credit Recovery, Inc.: 169 Myers Corners Road 
Suite 110, Wappingers Falls, NY 12590.
     National Recoveries: 14735 Hwy. 65, Ham Lake, MN 55403.
     Coast Professional, Inc.: 214 Expo Circle, West Monroe, LA 
71292.

[FR Doc. 2014-21792 Filed 9-11-14; 8:45 am]
BILLING CODE 4000-01-P