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National Training for

Counselors and Mentors Webinar

August 13, 2015

NT4CM 2016–17

NT4CM Overview

• Partnership between Federal Student Aid, NASFAA,

NCHER, NACAC, ASCA, NCAN, and COE

• Provide financial aid training to high school counselors and

mentors

• Training in participating states provided by state financial

aid associations, guaranty agencies, and/or college access

programs

NT4CM 2016–17

NT4CM Overview

NT4CM will provide counselors and mentors ongoing

support through

- Networking with trainers and colleagues

- Website content

- Updates on current education policy

- NT4CM@ed.gov

NT4CM 2016–17

NT4CM Steering Committee

• Maisha Challenger, FSA

• Jennifer Martin, NASFAA

• Vicki Shipley, NCHER

• Jonathan Mathis, NACAC

• Crystal Newby, NACAC

• Jill Cook, ASCA

• MorraLee Keller, NCAN

• COE Representative

NT4CM 2016–17

Today’s Presenters

Material for today’s Webinar will be presented by

representatives from:

• Federal Student Aid

• NASFAA

NT4CM 2016–17

Event Agenda

• NT4CM details

• Federal Update

• Tips for Trainers

• Review of the Curriculum

• Your questions

NT4CM 2016–17

NT4CM: Accessing Materials

• NT4CM materials for the public are available on-line

at: www.financialaidtoolkit.ed.gov/nt4cm

• If you are a State Coordinator you can access

NT4CM materials at the private site

NT4CM 2016–17

Next Up:

Federal Update

Presented by Jeff Baker

Director, Policy Liaison and Implementation Staff

NT4CM 2016–17

Federal Update

Jeff Baker August 13, 2015

President’s Higher Education

Priorities

The North Star

“By 2020, America will once again have the highest proportion of college

graduates in the world.”

President Barack Obama, February 24, 2009

ACCESS First Lady’s Reach Higher Initiative

Exposing students to college/career opportunities – encourage students to reach for the best college they can attend

Understanding financial aid

Encouraging academic planning and summer learning

Supporting high school counselors

Promoting FAFSA Completion

FAFSA Simplification

Affordability

Front End Strategies

America’s College Promise

Increase in Pell Grant funding

Dual Enrollment Programs

First in the World (FITW)

America’s College Promise Makes two years of college free and universal

Students would be able to secure an associate’s degree or certificate, earn the first half of a bachelor’s degree, and gain skills needed in the workforce at no cost

States must invest more in public higher education and training

Community colleges must strengthen their programs and improve student outcomes

Students must take responsibility for their education, attend at least half-time, and earn good grades, to stay on track to graduate

First in the World

Spur innovation to drive down costs while maintaining quality

Support projects that lead to proven results

Support innovative and novel solutions to higher education challenges

Affordability

Back End Strategies

Student Aid Bill of Rights

Income Driven Repayment Plans

Pay As You Earn (PAYE)

Pay As You Earn (PAYE) Caps payments for Federal Direct Student Loans at

10 percent of discretionary income for eligible borrowers

Helps ensure that borrowers are able to manage their debt and avoid defaulting on their student loans

Provides relief on loan payments, especially in a borrower’s early years of repayment

Complements other repayment plans that help borrowers manage their debt, including Income-Based Repayment

College Ratings Received many public comments and

listened to the feedback

Realize there is difficulty determining best metric/s to judge every type of college and university

Plan to release new, easy-to-use tools later this summer that will provide students with more data than ever before to compare college costs and outcomes

Regulatory Efforts

Cash Management

Teacher Preparation

Pay As You Earn

Cash Management Proposed regulations propose tougher standards

and greater transparency around agreements between colleges and companies providing prepaid/debit cards to students

Meaningful choice of products

Clear and neutral information

Looking at fees charged

Teacher Preparation

Goal: To help ensure teacher preparation programs are preparing educators who are ready to succeed in the classroom

Proposed regulations: Would focus Title II reporting on outcomes, including student achievement, employment, teacher and principal survey information, and tie outcomes to Title IV TEACH Grant eligibility

Gainful Employment (GE)

Rules became effective July 1, 2015

Published Dear Colleague Letter GEN-15-12 on June 30, 2015, summarizing the rules

Reporting of data by July 31, 2015

PLUS Loan Adverse Credit

NPRM published August 8, 2014

Final rule published October 23, 2014

Early implementation began March 29, 2015

Applies to both Parent PLUS and Grad PLUS

PLUS Loan Adverse Credit

No adverse credit if total outstanding balance is not greater than $2,085 for debts that are:

90 or more days delinquent

Placed in collections

Charged off (written off)

$2,085 can be increased by ED based on CPI if the change would be ≥ $100

Borrowers who are eligible because of extenuating circumstances or endorser must complete Department provided counseling before loan can be disbursed

Violence Against Women Act (VAWA)

Signed by President on March 7, 2013

Final rule published on October 20, 2014

Regulations became effective July 1, 2015

Violence Against Women Act (VAWA) Requires institutions to:

Maintain statistics on dating violence, domestic violence, sexual assault, and stalking

Provide, and describe in annual security reports, prevention and awareness campaigns

Provide a prompt, fair, and impartial disciplinary proceeding, and provide for requirements governing that proceeding

Provide information and support services to victims

ATB and Career Pathway Programs

ATB and Career Pathway Programs (Consolidated and Further Continuing Appropriations Act, 2015)

(DCL GEN-15-09)

Establishes Ability-to-Benefit alternatives for

students without a high school diploma, or

equivalent (or home schooled) who are enrolled

in an eligible “Career Pathway” “Program”.

ATB –

Pass an ED approved ATB test

Complete six credit hours/225 clock hours

Beginning July 1, 2015, reduced Pell Grant

payment schedule

Sequestration and Interest Rates

See DCL GEN-15-07, posted on April 23, 2015

Subsidized Loans and Unsubsidized Loans –

1.068 percent for loans first disbursed on or after October 1, 2015 and before October 1, 2016.

PLUS Loans (Parent and Grad Student) –

4.272 percent for loans first disbursed on or after October 1, 2015 and before October 1, 2016

Sequestration – Direct Loan Fees

Annual fixed rates based on 10 Year T-Bill, plus add-on.

Applies to loans first disbursed between July 1 and June 30.

Rate applies for the life of the loan.

Add-ons and caps–

Undergraduate Sub and Unsub: 2.05/8.25%

Graduate Unsub: 3.60/9.5%

PLUS Loans: 4.60/10.5

Interest Rates

Undergraduate Students - Sub and Unsub

4.29% compared to 2014-2015 rate of 4.66%.

Graduate students – Unsubsidized Loans

PLUS Loans (parent and grad/professional)

2015-2016 Interest Rates

Dear Colleague Letter GEN-15-03

Q&As on IFAP Home Page

Program ends on September 30, 2015

Schools may not make Federal Perkins Loans to new borrowers after September 30, 2015.

If prior to October 1, 2015, a school makes the first disbursement of a Federal Perkins Loan to a student for the 2015-2016 award year, the school may make any remaining disbursements of that 2015-2016 loan after September 30, 2015.

Perkins Loan Program

Narrow “grandfathering” provision

Allows schools to make Perkins Loans to certain students for up to five additional years (through September 30, 2020) to enable students who received loans for award years “to continue or complete courses of study.

Perkins Loan Program

150% Subsidized Loan Limits

150% Subsidized Loan Limit

Limit on how many years a “first-time borrower”

may receive subsidized loans

Applies to first-time borrowers on or after July

1, 2013.

A first-time borrower is one who has no

balance on any FFEL or Direct Loan on July

1, 2013, or

Subsidized Loan Limit

Condition - Student has received Direct Subsidized

loans for a period of time that is equal to 150% of

the published length of the student’s current

academic program

Result - Student may not receive additional

subsidized loans for enrollment in that program or

in any program of equal or lesser length

Subsidized Loan Limit

A student who loses eligibility for additional

subsidized loans may lose interest subsidy on

previously received subsidized loans, if -

Student did not complete program, and

Continues in same program or,

Enrolls in another undergraduate program of the

same or shorter length

Effective on the date of the student’s continued or

new enrollment

Electronic Announcement on IFAP on July 20

FSA USER - ID

FSA ID

Replacement for the FSA PIN

Implemented May 10,2015

Improved security and customer experience

User selected Username and Password

FSA ID cannot be shared with anyone

Schools should not create a FSA ID for their

students

See April 13th and May 4th Electronic

Announcements

Gainful Employment

The HEA provides that to be Title IV eligible an

educational program must be offered by:

A public or non-profit

postsecondary

educational

institution and leads

to a degree; or

Any institution and “to

prepare students for

gainful employment in a

recognized occupation”.

Generally, all non-degree

programs must lead to

gainful employment

Generally, all programs

must lead to gainful

employment

Gainful Employment Results

Program’s loses Title IV eligibility if:

D/E measures – Fails in two out of three years;

D/E measures - Fails or in the zone for four consecutive years

THANK YOU

NT4CM Training of Trainers

continued

Next up: (Jennifer Martin, NASFAA), Program Overview, Tips for Trainers &

Curriculum Overview

(Claire Fluker, FSA), Overview of Financial Aid Programs Module

NT4CM 2016–17

NEXT UP

Summary Modules

NT4CM 2016–17

What is NT4CM ?

Key Players/Program Overview

NT4CM consists of the following parts:

• NT4CM Steering Committee

• NT4CM State Coordinators

• Counselors or Trainers

NT4CM 2016–17

NASFAA’s Tips for Trainers

• Available specifically for NT4CM trainers on the

financial aid toolkit website

• Includes tips on the following topics:

• Use of icebreakers and brain teasers

• Dealing with difficult participants

• Quick tips for successful presentations

• Additional presentation guidelines

NT4CM 2016–17

Curriculum Materials

Module introduction page

• Module objectives

• Module materials

• Tips specific to a particular module

• General tips applicable to all modules

NT4CM 2016–17

Curriculum Materials

Module materials

• Instructor’s guide

• PowerPoint presentation

• Participant Guide with module-appropriate handouts

and copy of PowerPoint presentation with slides

printed three to a page

NT4CM 2016–17

Review of Curriculum Materials

• Will review module materials in the order in which

they appear on recommended workshop agenda

• Realize that states may not present all modules and

may present in a different order

NT4CM 2016–17

Overview of Financial Aid Module: Objectives

• Define important terms

• Discuss categories and types of financial aid

• Provide information about common federal aid

programs

• Provide information about other forms of financial aid

NT4CM 2016–17

Overview of Financial Aid Module:

Icebreaker Quiz

Purposes:

• Gauge the financial aid knowledge of participants

• Give participants an opportunity to network with each

NT4CM 2016–17

Icebreaker Quiz

• Indicate what topics on which to spend more time

during the presentation

• Direct individual participants to resources that

provide more information

NT4CM 2016–17

Icebreaker Quiz

• “Open book” exercise

• Use workshop materials and each other as

resources

• Depending on workshop size, consider breaking

participants into small groups

NT4CM 2016–17

Financial Aid Program Summary

• Resource to complete icebreaker quiz

• Comprehensive handout describing major federal

financial aid programs

• Includes summary chart of Title IV aid programs

NT4CM 2016–17

NT4CM Modules Recap

• NT4CM Curriculum Components

• Module: Overview of Federal Financial Aid programs

• Grants, Work-Study, Loans

• Additional sources of financial aid

• Icebreaker Quiz to test your knowledge

Next up: (Fred Stennis, FSA), Applying for Federal Financial Aid Module

(Fred Stennis, FSA), Student Dependency Status Module

NT4CM 2016–17

Applying for Federal Financial Aid Module:

Objectives

• Understand how to apply for federal financial aid

• The FSA ID

• Understand application output and how to make

corrections

• Consider using the FAFSA demo site for workshops

NT4CM 2016–17

IRS Data Retrieval Tool

• Applicant will be given option to submit a real-time

request to the IRS

• If the IRS has data, applicant will have the option to

transfer data to the FAFSA form

• Participation is voluntary

NT4CM 2016–17

IRS Data Retrieval Tool

• Available early Feb. 2016 for the 2016-2017

application cycle

• May be used for initial applications and corrections

• Will be coded on the Institutional Student Information

Report (ISIR) if income data is from the IRS

– Same as collecting a tax return

– Also coded if applicant changes data

NT4CM 2016–17

Student Dependency Status Module:

Objectives

• Describe what makes a student independent for federal student aid purposes

• Review what happens on the FAFSA when a student does not have access to parental information

• Explain which parent’s information should be provided on a dependent student’s FAFSA

NT4CM 2016–17

Student Dependency Status Module:

Objectives

• Dependency status questions on the FAFSA

• Dependency overrides

• No access to parental information

• Parent(s) has ceased financial support and refuses to complete FAFSA

• Professional judgment

• Can award Unsubsidized Stafford Loans only

NT4CM 2016–17

Student Dependency Status Module

• Information on “Who qualifies as a Parent?”

• Case Studies

NT4CM 2016–17

NT4CM Modules Recap

• Module: Applying for Federal Student Aid • Application is easy

• Make Corrections to the FAFSA

• Module: Student Dependency Status • Independent or Dependent

• Who counts as a Parent

Next up: (Jennifer Martin, NASFAA)

And the Number Is…. Module

After the FAFSA Module

NT4CM 2016–17

And the Number Is…Module: Objectives

• Provide participants with a broad overview of the

Expected Family Contribution (EFC) calculation for

dependent students

• Introduce participants to professional judgment and

its appropriate application

• Share with participants some suggestions for

counseling students and their families about EFC

calculations and professional judgment

NT4CM 2016–17

And the Number Is…Module:

EFC Calculations

• Interrelation of income, allowances, and

assets

• Highlights to assist with counseling

students and families

NT4CM 2016–17

Professional Judgment

• Basics

• Situations where professional judgment is and is

not appropriate

• Process

NT4CM 2016–17

Role of Counselors and Mentors

• Need analysis

NT4CM 2016–17

After the FAFSA Module: Objectives

• Help counselors understand the financial aid process

after students file the FAFSA

• Provide counselors with information to help students

later in the process

• Introduce professional judgment

• Highlight the importance of establishing a good

relationship with the financial aid office

NT4CM 2016–17

After the FAFSA: Topics

• Using the FAFSA Completion Tool

• Reviewing the Student Aid Report (SAR)

• Making corrections

• Verification

NT4CM 2016–17

After the FAFSA: Topics

• Comparing budgets and award letters

• Establishing a relationship with the financial aid

office

NT4CM 2016–17

NT4CM Modules Recap

• Module: And the Number Is… • Overview of Expected Family Contribution (EFC)

• Concept of “Professional Judgment”

• Suggestions for counseling parents

• Module: After the FAFSA • Compare Award Letters

• Financial Aid Office relationship

Next up: (Claire Fluker, FSA), Searching for Scholarships Module

(Wendy Bhagat, FSA), State and Institutional Aid Module

NT4CM 2016–17

Searching for Scholarships Module:

Objectives

• Describe sources of scholarship funding

• Locate free Internet scholarship research tools

• Identify potential scams

NT4CM 2016–17

Search Tips

• Be organized and diligent

• Research is the key

• The Internet is not the only source of information

• Students should talk with a financial aid

administrator in their area

NT4CM 2016–17

Typical Internet Search

• http://www.studentaid.gov/types/grants-

scholarships/finding-scholarships

• When and how to apply

• Department of Labor scholarship search engine:

http://www.careerinfonet.org/scholarshipsearch/Scholarship

Category.asp?searchtype=category&nodeid=22

NT4CM 2016–17

On-Line Search Tips

• Always use a free search

• Some search sites collect student information to

advertise to the student or sell information to another

company

• Always read the site’s privacy statement before

providing e-mail address or other information

NT4CM 2016–17

Common Fraud Complaints

• Paying for guaranteed aid then not receiving it

• Paying for help to find aid then learning that free help

was available

• Paying someone to file the FAFSA

NT4CM 2016–17

Fraud Prevention Resources

• U.S. Department of Education resources

• Federal Trade Commission resources

NT4CM 2016–17

State and Institutional Aid Module

• Provide counselors and mentors with consistent

information

• NT4CM materials include templates

–Instructor’s guide

–PowerPoint presentation

–Participant handouts

NT4CM 2016–17

State and Institutional Aid Module:

Objectives

• Provide information about major state scholarships

• Provide information about major state grants

• Provide information about state prepaid tuition and

college savings plans

• Provide information about major institutional aid

programs

NT4CM 2016–17

Sample State Grant Program

• “My State Access Grant”

• Maximum award: $12,000 per year

• Available to state residents who are eligible for a

Federal Pell Grant and who have a minimum GPA of

• Students must submit a FAFSA, an application form,

and a counselor recommendation

NT4CM 2016–17

Sample State Loan Program

• “My State Nursing Loan”

• Maximum annual award is $5,000

• Available to state residents enrolled in a two- or four-year

nursing program

• Students must submit a FAFSA and a state application form

• Repayment begins nine months after graduation, fixed

interest rate of 6%, maximum repayment period of 10 years

NT4CM 2016–17

Sample 529 Prepaid Tuition Plan

• “My State College Promise Plan”

• Anyone can contribute to an account

• An individual may contribute $12,000 per year to lock in

tuition at rate when account opened

• Contributions are deductible on state tax return

• Funds may be used at any state university in My State

NT4CM 2016–17

Sample College Savings Plan • “My State Plan for College Program”

• Anyone can contribute to an account

• An individual can contribute an unlimited amount per year and

account will accrue interest at 4% per year

• Contributions up to $10,000 per year are deductible on state tax

return

• Principle can be used at any college; accrued interest can be

used at state schools in My State

NT4CM 2016–17

Sample Loan Repayment Program

• My State Critical Fields Loan Repayment Program

• Borrowers employed in critical fields as determined

by the My State Economics Office

• $5,000 in student loans per year for up to three

years; borrower must be employed in My State for

one year for each year of loan repayment

NT4CM 2016–17

NT4CM Modules Recap

• Module: Searching for Scholarships

• Free Internet Search

• Research is the key

• Be organized

• Utilize Dept. of Ed and Dept. of Labor resources

• Module: State and Institutional Aid

• Compare Award Letters

• Financial Aid Office relationship

Next up: (Maisha Challenger, FSA), Conclusion Module

NT4CM 2016–17

Conclusion Module: Objectives

• Review topics covered in workshop

• Generate topics for future training

• Answer any remaining questions

• Discuss available resources

• Make counselors and mentors feel supported and

appreciated

NT4CM 2016–17

Conclusion Module:

Accessing Resources

• Charts and handouts for students and families

• Resources to help counselors and mentors counsel

NT4CM 2016–17

NT4CM Modules Recap

• Module: Conclusion • Overview of your workshop

• Review Modules provided

• Share resources

• Answer questions

Next up: Additional Modules (Maisha Challenger), Middle School Training Materials, Counseling

Undocumented Students

(Jennifer Martin), Financial Literacy

NT4CM 2016–17

Additional Modules

• Previous material part of the core curriculum

• Following materials are additional materials that can be added to your

training curriculum

• Topics include: Outreach to Middle School Counselors and Audiences,

Counseling Undocumented Student and Financial Literacy Tools And

Resources

NT4CM 2016–17

Middle School Modules

• Modules for

– Counselors

– Parents, Guardians or Caregivers

• Module objectives

– Encourage early discussion of early financial planning for college

– Introduce financial aid concepts and terms

– Suggest courses of action

NT4CM 2016–17

Counseling Undocumented Students

about Financial Aid Module

• Statistics

• Statuses eligible for aid

• Statuses ineligible for aid

• Resources

• Counseling strategies

NT4CM 2016–17

Financial Literacy Module: Objectives

• Define terms related to financial literacy

• Emphasize the importance of early awareness

• Highlight important information about paying for

college, budgeting, and building credit

NT4CM 2016–17

Financial Literacy Module: Objectives

• Offer tips to counselors to share with students and

families

• Provide counselors with additional resources to offer

NT4CM 2016–17

Financial Literacy Module: Resources

• Trainers: Other NT4CM modules

• Counselors: Handout of resources for students and

families regarding federal financial education

materials, money and credit management, and fraud

prevention

NT4CM 2016–17

NT4CM Modules Recap • Module: Conclusion

• Overview of what was presented at workshop

• Utilize resources provided

• Module: Middle School Counselors

• Tools to promote financial planning

• College savings plans (529)

• Module: Parents, Guardians or Caregivers

• Research all sources of aid for child/children

• How to helps parents prepare for college

• Module: Counseling Undocumented Students

• College and University Aid

• Aid from private sources

• Module: Financial Literacy

• Early awareness

• Budgeting and building credit

Next up: Answering Your Questions, Jennifer Martin, NASFAA and Maisha Challenger, FSA

NT4CM 2016–17

NT4CM/Your Questions

This concludes our 2016-2017

NT4CM Training of Trainers Event!

Please visit us at:

www.financialaidtoolkit.ed.gov/nt4cm

Training Materials are available at: www.financialaidtoolkit.ed.gov/tk/training/nt4cm/resources.jsp

NT4CM 2016–17

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