Table of Contents

Custom Layouts .........................................................................................................1-1

Summary of Direct Loan Message Classes ..................................................................................1-2
Tracking Batches..........................................................................................................................1-4
Record Layouts.............................................................................................................................1-5
Header ....................................................................................................................................1-5
Trailer .....................................................................................................................................1-8
Loan Origination ........................................................................................................................1-10
Full Loan (Stafford/PLUS) Origination (Export to Loan Origination Center),
(DESF01IN/DEPF01IN) Batch Type #D or PF......................................................1-10
Full Loan (Stafford/PLUS) Origination Acknowledgment (Import from Loan
Origination Center), (DISF01OP/DIPF01OP) Batch Type #D or PF ....................1-44
PLUS Credit Decision Acknowledgment (Import from Loan Origination Center),
(DIPC01OP) Batch Type #C ...................................................................................1-47
Loan Origination Change ...........................................................................................................1-48
Loan Origination Change (Export to Loan Origination Center), (DESC01IN), Loan
Origination Change Acknowledgment (Import from Loan Origination Center),
(DIOC01OP) Batch Type #E ..................................................................................1-48
Export Change Table Values for Field Transmit Numbers (Alphabetically).......................1-54
Export Change Table Values for Field Transmit Numbers (Change Number Order)..........1-69
Stafford/PLUS Promissory Note Acknowledgment (Import from Loan Origination
Center), (DIPA01OP) Batch Type #A, Batch Type #D, or PF for Level 3
(Standard Originator) ...............................................................................................1-84
Disbursement..............................................................................................................................1-91
Disbursement (Export to Loan Origination Center), Disbursement Acknowledgment,
Booking Notification, or Servicer Refund (Import from Loan Origination Center),
(DESD01IN/DIOD01OP) Batch Type #H, #B, and SP....................................1-91
School Reconciliation ................................................................................................................1-98
Direct Loan School Account Statement (Import from Loan Origination Center)...............1-98
Part I – Cash Summary Section (Record Type “T”), (DSAS01OP) Batch Type AS...........1-98
Part II – Cash Detail Section (Record Type “D”)...............................................................1-103
Part III – Loan Detail Section (Record Type “L”)..............................................................1-106
Optional Loan Detail Exception File (Export to Loan Origination Center),
(DERC01IN) Batch Type #L (Optional) ...............................................................1-110
Loan Servicer Record, (DISV01OP) Batch Type SV..............................................................1-115
State/Country/Jurisdiction Codes.............................................................................................1-116

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Custom Edits ..............................................................................................................2-1
Loan Origination Reject Codes ..............................................................................................2-2
Loan Origination Change Reject Codes .................................................................................2-9
Promissory Note Reject Codes.............................................................................................2-16
Cash Allocation Reject Codes..............................................................................................2-18
Disbursement Reject Codes .................................................................................................2-19

Custom System Requirements..................................................................................3-1

Processing Direct Loan DataDirect Loan Processing Cycles...................................................3-1
What Is a Booked Loan? ........................................................................................................3-2
Full Loan Origination Records...............................................................................................3-3
Submitting Full Loan Origination Records ......................................................................3-3
Receiving Full Loan Origination Acknowledgments.......................................................3-3
Receiving Loan Origination Acknowledgments from the LOC.......................................3-4
Processing PLUS Credit Decisions Update (Override)....................................................3-8
Loan Origination Change Record.........................................................................................3-10
Submitting Change Records...........................................................................................3-10
Receiving Loan Origination Change Acknowledgments ...............................................3-11
Printing the Direct Subsidized and Unsubsidized Loan Disclosure Statement....................3-13
Options for Printing Disclosure Statement.....................................................................3-13
Direct Loan Disclosure Statement Print Specifications .................................................3-13
Master Promissory Note with Multi-Year Functionality......................................................3-32
Options for Processing Master Promissory Notes..........................................................3-33
Master Promissory Note Print Specifications ................................................................3-34
Printing the PLUS Loan Application and Promissory Note.................................................3-36
Processing PLUS Loan Applications and Promissory Notes .........................................3-36
Direct PLUS Loan Application and Promissory Note Print Specifications ...................3-37
Promissory Note Paper Manifests ........................................................................................3-42
Creating Promissory Note Paper Manifests ...................................................................3-42
Receiving Promissory Note Acknowledgments.............................................................3-43
Promissory Note Rejects ...............................................................................................3-43
Promissory Note Anticipated Disbursement Values ......................................................3-45
Funds Drawdown .................................................................................................................3-46
Tracking Cash ................................................................................................................3-46
Receipt of Cash ..............................................................................................................3-46
Return of Excess Cash (Return of Undisbursed Drawdown Funds) ..............................3-46
Disbursement........................................................................................................................3-46
Disbursement Record Types ..........................................................................................3-47
Process Loan Disbursement Adjustments to $0 (Making a Loan Inactive) ...................3-48
Adjusting a Loan to $0 for Origination Fee ...................................................................3-49
Timing ............................................................................................................................3-49
Sequence of Disbursement Records ...............................................................................3-50
Disbursement Confirmation (For Schools in the Confirmation Pilot) ...........................3-50
Disbursement Acknowledgments from the LOC ...........................................................3-50

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School Reconciliation ................................................................................................................3-54
School Reconciliation for 2000-2001; Direct Loan School Account Statement..................3-54
(DLSAS) School Options...............................................................................................3-54
Resolving Discrepancies ................................................................................................3-54
Management Files from the LOC...............................................................................................3-55
The 30-Day Warning Report ................................................................................................3-55
The Duplicate Student Borrower Report..............................................................................3-55
The Inactive Loan Report.....................................................................................................3-55
The Anticipated Disbursement List......................................................................................3-55
The Actual Disbursement Roster .........................................................................................3-56
Batch Processing and Batch IDs...........................................................................................3-57
The Batch Integrity Rule ......................................................................................................3-57
Rounding Logic....................................................................................................................3-58
Gross Disbursement Calculations ........................................................................................3-60
Loan Fees and Net Disbursement Calculations....................................................................3-64
Leap Year Logic ...................................................................................................................3-65

Implementation Guide.............................................................................................4-1-1
Overview ...................................................................................................................................4-1-1
2000–2001 Modifications at a Glance ......................................................................................4-2-1
Loan Origination .......................................................................................................................4-3-1
Allow Multiple Origination Fees ........................................................................................4-3-1
LOC to Calculate Anticipated Completion Date.................................................................4-3-3
Examples .......................................................................................................................4-3-5
Disclosure Statement.................................................................................................................4-4-1
Redesign of the Disclosure Statement and Printing Process...............................................4-4-2
Examples ...................................................................................................................................4-4-4
Disbursements ...........................................................................................................................4-5-1
Allow up to 20 Anticipated and Actual Disbursements for Direct Subsidized and
Unsubsidized Loans ............................................................................................................4-5-1
LOC Sends a Booking Notification to the Schools.............................................................4-5-3
Example.........................................................................................................................4-5-5
Eliminate Business Rules Requiring Anticipated and Actual Disbursements to be submitted
in Disbursement Number/Chronological Order for a Loan.................................................4-5-6
Example.........................................................................................................................4-5-7
Promissory Note Modifications.................................................................................................4-6-1
Implement Multi-Year Master Promissory Note Functionality Replace “S” or “U” in MPN ID
with “M”..............................................................................................................................4-6-1
Scenarios to Demonstrate MYN Functionality ...................................................................4-6-6
Eliminate Promissory Note Print Sequence Number Field ...........................................4-6-9
Report Modifications.................................................................................................................4-7-1
Disbursement Activity Not Yet Booked at Servicing Report .............................................4-7-1
Report Layout......................................................................................................................4-7-3
Servicer Interface.......................................................................................................................4-8-1
Process Refunds received from Servicing and Transmit Data to Schools ..........................4-8-1

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Loan Origination Web Access for Schools ...............................................................................4-9-1
Provide Online Access to Loan Origination Data for Schools............................................4-9-1
Enhance the Credit Check Process to Support Optional Real-Time Credit Decisions .......4-9-4
Provide Online Access to Grant Administration and Payment System (GAPS) Data to
Schools ................................................................................................................................4-9-7

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