Maintained for Historical Purposes

This resource is being maintained for historical purposes only and is not currently applicable.

(96-L-191) This letter contains information about the publication of the Fiscal Year (FY) 1994 cohort default rates for originating lenders, holders, and guaranty agencies participating in the Federal Family Education Loan (FFEL) Program, as mandated by

DCLPublicationDate: 12/1/96
DCLID: 96-L-191
AwardYear:
Summary: This letter contains information about the publication of the Fiscal Year (FY) 1994 cohort default rates for originating lenders, holders, and guaranty agencies participating in the Federal Family Education Loan (FFEL) Program, as mandated by the Higher Education Act of 1965, as amended.

December 1996
96-L-191

SUMMARY: This letter contains information about the publication
of the Fiscal Year (FY) 1994 cohort default rates for
originating lenders, holders, and guaranty agencies
participating in the Federal Family Education Loan
(FFEL) Program, as mandated by the Higher
Education Act of 1965, as amended.

Dear Colleague:

Under Section 430(e) of the Higher Education Act of 1965, as
amended (HEA), the Department of Education (Department) is
required to publish a list of the cohort default rates of
lenders, holders, and guaranty agencies participating in the FFEL
Program. The purpose of this letter is to provide the student
loan industry with information on the calculation of the cohort
default rates. Please retain this letter to answer any questions
that may arise when you receive notice of your default rate.

The term COHORT DEFAULT RATE is defined in Section
435(m) of the HEA. The formula for calculating the cohort default
rate is described below. Cohort default rates will be calculated for
originating lenders, holders, and guaranty agencies on the basis
of their respective Office of Postsecondary Education Lender
Identification Numbers (LID) or Guaranty Agency Identification
Numbers. Each assigned number identifies a separate lender or
guaranty agency on record at the Department of Education. The
LID provides the guaranty agencies with a means of reporting loan
activity.

The FY 1994 cohort default rates will be calculated based on data
electronically reported to the National Student Loan Data System
(NSLDS) by the guaranty agencies. Subsidized Federal Stafford,
Unsubsidized Federal Stafford, Federal Supplemental Loan for
Students (Federal SLS), and Federal Consolidation Loans that
repaid Federal Stafford or Federal SLS loans will be included in
the calculation of cohort default rates. The NSLDS data
submitted by the guaranty agencies were prepared according to
procedures developed by the Department and reflect activity on
the loans through September 30, 1995. Since the FY 1994 cohort
default rates were calculated based on data supplied to the
Department by the guaranty agencies, a lender or holder should
address any initial questions on data to these agencies.

Loans made under a Lender-of-Last-Resort program are not used in
the calculation. Federal PLUS Loans and Federally Insured
Student Loans are NOT used in the calculation. Loans that were
transferred from one guaranty agency to another prior to
submission of the NSLDS data to the Department are included in
the NSLDS data submitted by the receiving agency, but are not
included in the NSLDS data submitted by the transferring agency.
For example, if a loan was originally guaranteed by the Higher
Education Assistance Foundation (HEAF) and was transferred to the
Great Lakes Higher Education Corporation (Great Lakes), that loan
was reported by Great Lakes.

The formula for calculating a cohort default rate is:

# of students who entered repayment in FY 1994 and
defaulted on or before the end of FY 1995
(Numerator)
100 X --------------------------------------------------------
# of students who entered repayment in FY 1994
(Denominator)

Example:

A lender has made loans to 100 students entering repayment in FY
1994 (October 1, 1993 through September 30, 1994). Of those 100
students, 25 defaulted on their student loans prior to October 1,
1995 and had a default claim paid by the guaranty agency. This
lender s FY 1994 cohort default rate is calculated by dividing 25
by 100 and multiplying the result by 100 to produce a cohort
default rate of 25.0 percent.

The number of students who entered repayment is determined by
counting the number of DIFFERENT SOCIAL SECURITY
NUMBERS in that category. If a student had more than one loan
included in the data (for example, two Federal Stafford Loans or one
Federal Stafford and one Federal SLS loan), the student will be
counted only once. However, if a student borrowed from more than
one lender, he or she is counted in the calculation for each lender.

If a student has a loan that entered repayment in FY 1994 and a
default claim was paid by the guaranty agency on that loan before
October 1, 1995, the student is counted as being in default.

If a student entered repayment in FY 1994, defaulted on his or
her loan and a default claim was paid before October 1, 1995, the
loan continues to be counted as in default in the FY 1994 cohort
default rate calculation, even if the student later enters into a
repayment arrangement with the guaranty agency, or the student
subsequently repaid his or her loan in full to the guaranty
agency.

Loans that are discharged due to death, total and permanent
disability, or bankruptcy are not counted in calculating the
FY 1994 cohort default rate IF the guaranty agency was officially
notified of the death, disability, or bankruptcy BEFORE a default
claim was paid.

Once data for a specific fiscal year is electronically submitted
to NSLDS by a guaranty agency and is accepted for calculation
purposes, the Department continues to update data on a monthly
basis during the period in which the rates calculated for that
year are in effect. Technical data processing questions relating
to the calculation of default rates, which cannot be answered by
the guaranty agency, should be directed to the Department's NSLDS
Division at (202) 708-8125 or NSLDS Customer Service Hotline at
1-800-999-8219.

Section 430(e) of the HEA also mandates that originating lenders,
holders, and guaranty agencies have the opportunity to correct
cohort default rate information. If a lender or holder believes
that the data are incorrect and should be changed, it should
promptly contact the guaranty agency to request back-up data.
Any request to the guaranty agency should be signed by an
official of the lender or holder who is authorized to act on the
lender's behalf in this regard. See Attachment 2 for
instructions on how to correct cohort default rate information.
For information about back-up data printouts see Attachment 3.

LENDERS (OR HOLDERS) THAT HAVE QUESTIONS ABOUT
THE DATA SHOULD CONTACT THE GUARANTY AGENCY.
ATTACHMENT 4 LISTS THE ADDRESSES AND TELEPHONE
NUMBERS OF THE GUARANTY AGENCIES.

Other questions on lender, holder, or guaranty agency default
rates may be referred to the Default Coordination Team of the
Guarantor and Lender Oversight Staff at the address listed in
Attachment 1.

Sincerely,


Elizabeth M. Hicks
Deputy Assistant Secretary for
Student Financial Assistance Programs

Attachments


ATTACHMENT 1

For technical data processing questions regarding the calculation
of the default rates, contact:

U.S. Department of Education
NSLDS Division, Program Systems Service
ATTN: COTR
Room 4520, ROB-3
600 Independence Avenue, S.W.
Washington, D.C. 20202-5456
(202) 708-8125

For copies of regulations, dear colleague letters, and other student
aid publications, contact:

U.S. Department of Education
Student Aid Information Center
P.O. Box 84
Washington, D.C. 20044-0084
1-800-433-3243

For other questions on lender, holder, or guaranty agency default
rates, contact:

U.S. Department of Education
Default Coordination Team
Guarantor and Lender Oversight Staff
Room 4616, ROB-3
600 Independence Avenue, S.W.
Washington, D.C. 20202-5138
(202) 401-7482

To resolve errors in your lender (or holder) back-up data, contact the
guaranty agency that reported the data to the department.a list of the
guaranty agencies and their addresses is included in attachment 4,
"guaranty agency list".

For information on school cohort default rates, contact:

U.S. Department of Education
Default Management Section
Institutional Monitoring Division
Room 3919, ROB-3
600 Independence Avenue, S.W.
Washington, D.C. 20202-5353
(202) 708-9396


ATTACHMENT 2

CORRECTING COHORT DEFAULT RATES

Under Section 430(e) of the HEA, lenders, holders, and guaranty
agencies are allowed the opportunity to correct cohort default
rate information. The Department calculates cohort default rates
based on data electronically submitted to NSLDS by guaranty
agencies. The NSLDS data reflects loan activity as of September
30 of each year. The Department selects certain relevant fields
from NSLDS, compiles the data by borrower identification (the
student's social security number) and lender code, and then
performs the calculations necessary to determine the cohort
default rate.

Although a student's loan records may be included in both the
Federal Stafford and Federal SLS data because he or she had both
Federal Stafford and Federal SLS loans from the same lender or
holder entering repayment in the same fiscal year, THE STUDENT
IS ONLY COUNTED ONCE IN THE COHORT DEFAULT RATE
CALCULATION. Likewise, if there are multiple loan records for the
student for one of the loan programs, the student is still counted only
once. If a student borrowed from more than one lender, he or she is
counted in the calculation for EACH lender. You should note that
the data reflects the status of loans through September 30 of the
year following the cohort year. Thus, data for the FY 1994
cohort year reflects the status of loans only through
September 30, 1995. Changes after that date, including a
student's present loan status, have no bearing on the cohort default
rate calculation.

If you are an originating lender or holder and believe that the
cohort default rate was calculated based on erroneous data,
contact the guaranty agency. If you discover discrepancies
between the information in your records and the data provided to
the Department by the guaranty agencies, you should try to
resolve the problem with the guaranty agency that submitted the
data to the Department. You should submit to the guaranty agency
all the relevant documentation supporting your contention that
the data relating to a particular loan are incorrect and should
be changed. The guaranty agency will review the documentation
you submit and determine whether it agrees that the data are
incorrect. The guaranty agency will notify you and the
Department, in writing, of its conclusions. The Department will
make the final decision as to whether the data should be
corrected based on its review of the information provided by you
and the guaranty agency. If the correction is approved by the
Department, the guaranty agency will be notified and will make
the appropriate changes in the default rate information provided
to NSLDS.

The process for data correction is as follows:

1. Lenders or holders are urged to promptly request back-up data
from the guaranty agency if they believe their cohort default
rates were calculated on the basis of incorrect data. A delay in
requesting the back-up data may delay the agency's response.
(Back-up data is an extract of the loan records that formed the
basis for calculating your lender or holder cohort default rate.)
To ensure that back-up data is released only to responsible
parties, any request to the guaranty agency should be signed by
an official of the lender or holder who is authorized to act on
its behalf in this regard.

2. The guaranty agency should promptly respond to a lender's or
holder's request by requesting the appropriate back-up data from
NSLDS on behalf of the lender. The data will be sent to the
official lender address.

3. After reviewing the back-up data, the lender or holder should
submit the appropriate documentation to the guaranty agency in
support of its contention that the data are incorrect. Such
documentation should include the borrower's name, social
security number, and the nature of the error in each case.
Supporting documentation could include copies of the guarantor's
notice of a change on the Student Status Confirmation Report,
cancelled checks, or copies of other pertinent information. To
ensure timely processing of the request, borrowers should be
listed in social security number order. A lender or holder should
identify the cohort year to which the corrections apply. All
requests to the guaranty agency for a correction should be signed
by an official of the lender or holder who is authorized to act on
its behalf in this regard.

4. The guaranty agency should analyze a lender's or holder's
request for data correction and determine whether it will agree
with or deny the request for a correction.

5. WHEN THE GUARANTY AGENCY HAS COMPLETED ITS
ANALYSIS OF THE REQUEST FOR DATA CORRECTION,
THE LENDER OR HOLDER MUST BE NOTIFIED OF THE
AGENCY'S CONCLUSIONS. A copy of the letter from
the guaranty agency agreeing with or denying the data correction
must be sent to the Department of Education, Guarantor and
Lender Oversight Staff, Default Coordination Team at the address
listed below. After receiving the agency's response, the lender
should inform the Department, in writing, whether it agrees with
the agency or believes that the agency is wrong. Based on these
submissions, the Department will make the final decision on the
requested data correction and will notify the appropriate lender
or holder and guaranty agency of its determination.

U.S. Department of Education
Attn: Default Coordination Team
600 Independence Avenue, S.W.
ROB-3, Room 4616
Washington, D.C. 20202-5138


ATTACHMENT 3

INFORMATION ABOUT BACK-UP DATA PRINTOUTS


HOW TO READ BACK-UP DATA PRINTOUT

A back-up data printout, called a "Loan Record Detail Report," is
an extract of the loan records that forms the basis for
calculating your lender or guaranty agency cohort default rate.

At the top of the first page of the printout you will find
general information, including the name of the lender or guaranty
agency, the corresponding ID code, the cohort year covered, and
the process date. The process date is the date that the
Department printed the report; it is not the date the Department
receives or uses the data to determine your lender or guaranty
agency cohort default rate.

The back-up data is sorted by borrower social security number.
The data field descriptions for the back-up data can be found on
the first two lines at the top of each page of back-up data--one
right below the other. To locate specific loan information for a
particular borrower, make sure you read the line of the loan
record that corresponds with the data field description line.


PRIVACY ACT NOTICE

Back-up data contains the social security numbers and names of
students. It contains material of private nature. The use of
this material is covered by the U.S. Privacy Act and may also be
governed by State and local laws and regulations, as well as by
your own policies. You should take appropriate steps to
safeguard this material and ensure that it is used and disposed
of appropriately.


ATTACHMENT 4


GUARANTY AGENCY LIST

This section lists the names, addresses, and other identifying
information of the guaranty agencies. The address may be used to
contact guaranty agencies to resolve discrepancies in backup
data. However, DO NOT USE THIS ADDRESS if a guaranty
agency has provided you with a different address or addressee.

Each agency is listed in alphabetical order by the name of the
state in which it is the primary guarantor. The three-digit
guaranty agency code listed in parentheses for each agency is the
coding system used by the Department to identify each guaranty
agency.

The Higher Education Assistance Foundation (HEAF) ceased
operations on December 31, 1993. In preparation for the closing,
HEAF transferred its remaining guarantees on loans not in default
to other guaranty agencies. Affected lenders were notified of
the guaranty agency now holding their student loan guarantees
which were originally issued by HEAF. The new guaranty agency
will be reported on the back-up data. The Department possesses
the records on defaulted loans on which HEAF paid default claims
to lenders. The Educational Credit Management Corporation
(ECMC), (formally the Transitional Guaranty Agency (TGA)),
processes records relating to a small number of loans guaranteed
by HEAF that were not transferred to other agencies and for loans
guaranteed by HEAF that were paid as or subsequently became
Chapter 13 bankruptcy claims.

The Puerto Rico Higher Education Assistance Corporation
(PRHEAC) ceased operations on April 15, 1994 and all guarantees
were transferred to the Great Lakes Higher Education Corporation
(GLHEC). GLHEC will hold all defaulted loans and related records
previously held by PRHEAC. NOTE: IF YOUR
ORGANIZATION IS CORRECTING ITS DEFAULT RATES
BASED ON ERRONEOUS DATA, THE POSSIBLE ERRORS
MUST BE IDENTIFIED TO GREAT LAKES.

The Mississippi Guaranty Student Loan Agency (MGSLA) ceased
operations on September 30, 1994 and all guarantees were
transferred to the United Student Aid Funds, Inc. (USAF). USAF
will hold all defaulted loans and related records previously held
by MGSLA. NOTE: IF YOUR ORGANIZATION IS
CORRECTING ITS DEFAULT RATES BASED ON ERRONEOUS
DATA, THE POSSIBLE ERRORS MUST BE IDENTIFIED TO
USAF.

The Student Loan Fund of Idaho, Inc. (SLFI) has been replaced
(July 1, 1994) by the Northwest Education Loan Association
(NELA) as the designated guarantor. However, SLFI has not yet
transferred defaulted loans and related records to NELA.
NOTE: IF YOUR ORGANIZATION IS CORRECTING ITS
DEFAULT RATES BASED ON ERRONEOUS DATA, THE
POSSIBLE ERRORS MUST BE IDENTIFIED TO SLFI.

The Delaware Higher Education Loan Program (DHELP) ceased
guarantor operations on April 24, 1996 and all guarantees will be
transferred to Pennsylvania Higher Education Assistance Agency
(PHEAA). PHEAA will hold all defaulted loans and related records
previously held by DHELP. NOTE: IF YOUR ORGANIZATION
IS CHALLENGING ITS DEFAULT RATE BASED ON
ERRONEOUS DATA, YOU MUST NOTIFY PHEAA OF THE
POSSIBLE ERRORS.

The State Education Assistance Authority (SEAA) in Virginia has
been replaced (July 1, 1996) by the Educational Credit Management
Corporation (ECMC) as the designated guarantor. NOTE: IF
YOUR ORGANIZATION IS CHALLENGING ITS DEFAULT
RATE BASED ON ERRONEOUS DATE, YOU MUST NOTIFY
ECMC OF THE POSSIBLE ERRORS.

The Ohio Student Aid Commission (OSAC) ceased guarantor
operations effective August 1, 1996 and all guarantees will be
transferred to Great Lakes Higher Education Corporation (GLHEC).
GLHEC will hold all defaulted loans and related records
previously held by OSAC. NOTE: IF YOUR ORGANIZATION IS
CHALLENGING ITS DEFAULT RATE BASED ON
ERRONEOUS DATA, YOU MUST NOTIFY GLHEC OF THE
POSSIBLE ERRORS.

The Alabama Commission of Higher Education (ACHE) will cease
operations in December, 1996; however, all guarantees have been
transferred to Kentucky Higher Education Assistance Authority
(KHEAA) as of June, 1996. KHEAA will hold all defaulted loans
and related records previously held by ACHE. NOTE: IF YOUR
ORGANIZATION IS CHALLENGING ITS DEFAULT RATE
BASED ON ERRONEOUS DATA, YOU MUST NOTIFY KHEAA
OF THE POSSIBLE ERRORS.


ALABAMA, AL (701)

SEE Kentucky


ALASKA, AK (702)

SEE United Student Aid Funds, Inc.


ARIZONA, AZ (804)

SEE United Student Aid Funds, Inc.


ARKANSAS, AR (705)

Student Loan Guarantee Foundation of Arkansas
219 South Victory
Little Rock, AR 72201-1884
(501) 372-1491


CALIFORNIA, CA (706)

California Student Aid Commission
P.O. Box 510845
Sacramento, CA 94245-0845
(916) 445-0880


COLORADO, CO (708)

Colorado Student Loan Program
One Denver Place
999 18th Street, Suite 425
Denver, CO 80202-2440
(303) 294-5050


CONNECTICUT, CT (709)

Connecticut Student Loan Foundation
525 Brook Street, P. O. Box 1009
Rocky Hill, CT 06067
(203) 257-4001


DELAWARE, DE (710)

SEE Pennsylvania


DISTRICT OF COLUMBIA, DC (611)

See Massachusetts


EDUCATIONAL CREDIT MANAGEMENT CORPORATION
(ECMC) (927)
(Formerly the Transitional Guaranty Agency (TGA))

American National Bank Building
101 East 5th Street, Suite 2400
St. Paul, MN 55101
(602) 221-0566


FLORIDA, FL (712)

Florida Department of Education
1344 Florida Education Center
325 West Gain Street
Tallahassee, FL 32399
(904) 488-4095


GEORGIA, GA (713)

Georgia Higher Education Assistance Corporation
2082 East Exchange Place, Suite 200
Tucker, GA 30084
(404) 414-3000


HAWAII, HI (815)

SEE United Student Aid Funds, Inc.


IDAHO, ID (716)

Student Loan Fund of Idaho, Inc.
P. O. Box 730
Fruitland, ID 83619
(208) 452-4058


ILLINOIS, IL (717)

Illinois Student Assistance Commission
1755 Lake Cook Road
Deerfield, IL 60015
(312) 948-8500


INDIANA, IN (718)

SEE United Student Aid Funds, Inc.


IOWA, IA (719)

Iowa College Student Aid Commission
201 Jewett Building, Room 201
914 Grand Avenue
Des Moines, IA 50309
(515) 281-3501


KANSAS, KS (620)

SEE United Student Aid Funds, Inc.


KENTUCKY, KY (721)

Kentucky Higher Education Assistance Authority
1050 U.S. 127 South
Suite 102
Frankfort, KY 40601-4323
(502) 564-7990


LOUISIANA, LA (722)

Louisiana Office of Student Financial Assistance Commission
P. O. Box 91202
Baton Rouge, LA 70821-9202
(504) 922-1012


MAINE, ME (723)

Maine Education Assistance Division
Finance Authority of Maine
#119 State House Station
One Weston Court
Augusta, ME 04333
(207) 626-8200


MARYLAND, MD (724)

SEE United Student Aid Funds, Inc.


MASSACHUSETTS, MA (725)

American Student Assistance Corporation
330 Stuart Street, Berkeley Place
Boston, MA 02116-5292
(800) 999-9080


MICHIGAN, MI (726)

Michigan Higher Education Assistance Authority
P. O. Box 30047
608 W. Allegan Road
Lansing, MI 48909
(800) 642-5626


MINNESOTA, MN (727)

NORTHSTAR Guarantee Incorporated
444 Cedar Street
Piper Jaffary Plaza
Suite 1910
St. Paul, MN 55164-0102
(612) 290-8780


MISSISSIPPI, MS (728)

SEE United Student Aid Funds, Inc.


MISSOURI, MO (729)

Coordinating Board for Higher Education
3515 Amazons Drive
Jefferson City, MO 65109-5717
(314) 751-2361


MONTANA, MT (730)

Guaranteed Student Loan Program
2500 Broadway
Helena, MT 59620-3101
(406) 444-6594


NEBRASKA, NE (731)

Nebraska Student Loan Program
1300 O Street
P.O. Box 82507
Lincoln, NE 68501-2507
(402) 475-8686


NEVADA, NV (732)

SEE United Student Aid Funds, Inc.


NEW HAMPSHIRE, NH (733)

New Hampshire Higher Education Assistance Foundation
44 Warren Street
P. O. Box 877
Concord, NH 03302-0877
(603) 225-6612


NEW JERSEY, NJ (734)

New Jersey Higher Education Assistance Authority
Guaranteed Student Loan Program
4 Quakerbridge Plaza
Trenton, NJ 08625
(800) 356-5562


NEW MEXICO, NM (735)

New Mexico Student Loan Guarantee Corporation
3900 Osuna, N.E.
P.O. Box 27020
Albuquerque, NM 87125-7020
(505) 345-3371


NEW YORK, NY (736)

New York State Higher Education Services
99 Washington Avenue, Twin Towers
Albany, NY 12255
(518) 474-5592


NORTH CAROLINA, NC (737)

North Carolina State Education Assistance Authority
P.O. Box 2688
Chapel Hill, NC 27515-2688
(919) 549-8614


NORTH DAKOTA, ND (738)

Student Loans of North Dakota
P. O. Box 5524
Bismarck, ND 58502-5524
(701) 328-5763


OHIO, OH (739)

SEE Wisconsin


OKLAHOMA, OK (740)

Oklahoma State Regents for Higher Education
Guaranteed Student Loan Program
P. O. Box 3000
Oklahoma City, OK 73101
(405) 858-4300


OREGON, OR (741)

Oregon State Scholarship Commission
1500 Valley River Drive
Suite 100
Eugene, OR 97401
(541) 687-7400


PENNSYLVANIA, PA (742)

Pennsylvania Higher Education Assistance Agency
1200 N. 7th Street
Towne House
Harrisburg, PA 17102-1398
(717) 720-2850


PUERTO RICO, PR (772)

SEE Wisconsin


RHODE ISLAND, RI (744)

Rhode Island Higher Education Assistance Authority
560 Jefferson Boulevard
Warwick, RI 02886-1320
(401) 736-1100


SOUTH CAROLINA, SC (745)

South Carolina State Education Assistance Authority
Interstate Center
Suite 210
P. O. Box 210219
Columbia, SC 29221
(803) 798-0916


SOUTH DAKOTA, SD (746)

Education Assistance Corporation
115 First Avenue, S.W.
Aberdeen, SD 57401
(605) 225-6423


TENNESSEE, TN (747)

Tennessee Student Assistance Corporation
Parkway Towers, Suite 1950
404 James Robertson Parkway
Nashville, TN 37243-0820
(615) 741-1346


TEXAS, TX (748)

Texas Guaranteed Student Loan Corporation
Tower of the Hill
13809 N. Highway 189
Suite 400
Austin, TX 78750-1240
(512) 219-5700


TRANSITIONAL GUARANTY AGENCY (927)

SEE Educational Credit Management Corporation


UNITED STUDENT AID FUNDS, INC. (USAF) (800)

United Student Aid Funds, Inc.
P.O. Box 6180
Indianapolis, IN 46206-6180
(317) 849-6510


UTAH, UT (749)

Utah Higher Education Assistance
335 West North Temple
#3 Triad Center, Suite 550
Salt Lake City, UT 84180-1025
(801) 321-7200


VERMONT, VT (750)

Vermont Student Assistance Corporation
P. O. Box 2000, Champlain Mill
Winooski, VT 05404-2601
(802) 655-9602


VIRGIN ISLANDS, VI (778)

SEE Wisconsin


VIRGINIA, VA (751)

SEE Educational Credit Management Corporation


WASHINGTON, WA (753)

Northwest Education Loan Association
500 Colman Building
811 First Avenue
Seattle, WA 98104
(206) 461-5300


WEST VIRGINIA, WV (654)

SEE Pennsylvania


WISCONSIN, WI (755)

Great Lakes Higher Education Corporation
P.O. Box 7858
Madison, WI 53707
(608) 246-1800


WYOMING, WY (656)

SEE United Student Aid Funds, Inc.

Last Modified: 11/30/1996