Graduate/Professional

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College Cost Reduction and Access Act
(DCL GEN-08-01 and FP-08-01)
TABLE OF CONTENTS
Page
Student Loan Programs - Borrower Benefits
Interest Rate Reductions 3
Military Service Deferment 4
Active Duty Student Deferment 6
Economic Hardship Deferment 8
Income-based Repayment (IBR) for FFEL and Direct
Loan Borrowers 9
Borrower Eligibility 9
Application of Borrower Payments/Unpaid Interest
and Principal 10
Payment Amount when Borrower Leaves IBR 11
Loan Forgiveness Related to IBR 11
Graduate/Professional PLUS Borrower Eligibility
for Income Contingent Repayment (ICR) in the
Direct Loan Program 12
Maximum Repayment Period under ICR 13
Loan Forgiveness for Public Service Employees 14
Grants to Students
Federal Pell Grant Increases 16
Elimination of Tuition Sensitivity 17
TEACH Grants 18
College Cost Reduction and Access Act
(DCL GEN-08-01 and FP-08-01)
TABLE OF CONTENTS
Page
FFEL Lender and Guaranty Agency Provisions
Reduction of Special Allowance Payments 22
Increased Loan Fees from FFEL Lenders 25
Lender Insurance Percentages 26
Elimination of Exceptional Performer Status 26
Guaranty Agency Account Maintenance Fees 26
Guaranty Agency Retention of Default Collections 27
Loan Auction Pilot Program for FFEL Parent PLUS
Loans 27
Needs Analysis
Income protection allowance 30
Simplified Needs Test (SNT) and Automatic

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单位：	U.S. Department of Education
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