1. Pay the account in full.
2. Apply for a Federal Consolidation Loan.
3. Request a hearing if you feel that the administrative wage garnishment is not warranted.

1. Contact the MDHE to establish satisfactory repayment arrangements.
2. Request a hearing or exemption by the deadline.
3. Nothing and the MDHE will contact your employer. If a payment is not received by the time your employer is contacted, the administrative wage garnishment may not be stopped until the account is paid in full.

1. Pay the account in full to American Student Assistance or the collection agency.
2. Establish monthly payment arrangements with the entity assigned to the account.

   If you want to return to school, you must make six consecutive monthly payments and write a letter to the MDHE requesting a financial aid eligibility letter to be sent to you. This is called reinstatement.

   Upon making at least 12 consecutive monthly payments, you may be eligible for the Missouri Loan Rehabilitation Program.

   Upon making three consecutive monthly payments, the MDHE will release accounts for consolidation. Borrowers must continue to make payments until the consolidation is complete. Also, the MDHE assesses 18.5 percent in collection costs on defaulted loans released for consolidation, FFEL Program or Direct.

3. Choose not to make payments and face possible tax offset, wage garnishment, assignment to a collection agency, assignment to the U.S. Department of Education, and up to a 25 percent assessment in collection costs.

When a payment is not made by the due date, the account is delinquent. When the delinquency reaches 270 days, the account is in default status and the lender may file a default claim with your guaranty agency - the MDHE. If the MDHE pays the default claim to the lender they begin collection activities.

Note: To receive email reminders about steps to take to prepare for college, sign-up here.

1. Does it offer a program in the area of study that you want to pursue?
2. Do you want to go to school close to home or away?
3. What type of financial aid package is available from the school?
4. Plan a visit to the school to get a tour and see if you like it. Remember to ask questions!

• 24-years-old by December 31 of the award year
• Orphan or ward of the court
• Veteran of the Armed Forces
• Legal dependents other than a spouse
• Graduate or professional student
• Married student

NOTE: U.S. Department of Education policy on dependency overrides has become significantly more stringent. It is no longer permissible to classify an otherwise dependent student independent based solely on the fact that the student supports him or herself.

Bright Flight - Yes. The student must receive the scholarship award as a full time student at an approved Missouri institution at least one semester per academic year to maintain eligibility. If a student goes out-of-state to school for one year or discontinues full time enrollment at a Missouri institution for reasons other than deferments, the eligibility is lost. The scholarship is renewable for up to 10 semesters or until the student has obtained their first undergraduate degree. The award is $1,000 per semester.

Marguerite Ross Barnett - Yes. The student must reapply each year by submitting a completed application by April 1. Renewal students will receive a renewal application.

Public Service Officer Survivor Grant - Yes. The student must reapply each year.

Vietnam Veteran's Survivor Grant - Yes. The student must reapply each year.

Missouri Higher Education Academic "Bright Flight" Scholarship Program
For high school seniors who achieve a score in the top 3 percent on the ACT or SAT. Students must achieve this score by the June assessment date of their senior year in high school and enroll as a first-time student in college. There is no paper application to complete. Assessment records for Missouri residents are transmitted to the MDHE after each National Assessment Test date. Students are sent an approval letter. High schools and higher education institutions are also notified of approved students.

Marguerite Ross Barnett Memorial Scholarship Program
For part-time college students attending at least half time but less than full time and working (and compensated for) at least 20 hours a week. Students must also have financial need to receive the award. Applications can be obtained from college financial aid offices or the MDHE. The application deadline is April 1. Applicants must also complete the FAFSA form by the April 1 deadline.

Public Service Officer or Employee's Child Survivor Grant Program
For dependent children and spouses of public safety officers or employees of the Missouri Department of Transportation who were killed or permanently disabled in the line of duty. Applications are available from the MDHE.

Vietnam Veteran's Survivor Grant Program
For children and spouses of Vietnam veterans whose death were attributed or caused by exposure to toxic chemicals during the Vietnam conflict. Applications are available from the MDHE.

It is the consensus of MDHE that, for Social Security Number, name, and date-of-birth changes on MDHE-guaranteed loans, the MDHE will not require documentation from the school or lender in all cases before making the change on our system. ASA and MDHE staff will not routinely refuse a school or lender's identification change request until we are in receipt of documentation that supports the change. MDHE requires schools and lenders to obtain and retain that documentation, and make it available to the MDHE or ASA upon request, as needed, and on a case-by-case basis.

The MODEL system is a profile-driven system that allows clients to choose how their loans will be processed and which reports or products they would like to receive. The MODEL system maintains information in one database, thus improving the accuracy and organization of borrower information.

Support for the MODEL system is provided by ASA at (800) 824-4893.

Training in the use of the MODEL system is provided by MDHE client service representatives. Your client service representative can be contacted through the MDHE at (800) 473-6757 or by calling your representative directly. If you do not know who your MDHE client representative is, click here.

The MDHE can make many changes to client profiles without the need to update or change software.

The MODEL system is compliant with financial aid industry standards, such as CAM and CommonLine.

In order to qualify, the student must have been in attendance within 90 days of the school's closure and must not have been able to transfer to another school or complete the program of study. Lack of job placement or subsequent training is not reason for discharge.

This figure cannot be more than the base Stafford grade level maximum for an undergraduate student, or for a graduate student, cannot be more than $8500.

Unsubsidized
Remaining financial need = cost of attendance - expected financial assistance (including subsidized)

Subsidized/unsubsidized combined annual maximum* is:

Independent undergraduate students:

Base subsidized/unsubsidized combined annual maximum* is:

Additional unsubsidized:

*For undergraduate students attending a final period of study that is less than an academic year in length, or for students attending a program that is less than an academic year in length, a lower, prorated maximum loan limit may apply.

Graduate students (all graduate students are independent):

NOTE: Certain health professions students may qualify for increased annual loan limits. These students should contact their financial aid office to determine if the program in which they are enrolled qualifies.

If you are an unsubsidized Stafford Loan borrower, the U.S. Department of Education does not pay interest that accrues while you are in school. If you want to pay the interest as it accrues, you should note on the federal Master Promissory Note. Otherwise, the lender will capitalize the unpaid accrued interest. For more information about the maximum frequency with which a lender may capitalize, you should contact your lender.

• are not satisfied with the quality of your education,
• do not complete your program of study, or
• are not able to obtain employment after you graduate.

NOTE: This is a little different from wiring funds because wires are received instantly and EFT is received within 24 hours.

Unsubsidized Stafford Loans are not need-based. The interest payment is always the borrower's responsibility. A borrower can choose to pay interest that accrues while the borrower is in school, in grace, in deferment or other times when payments are not otherwise expected can be paid, or the unpaid accrued interest will be capitalized, i.e., added to the outstanding principal amount of the loan.

After the school determines the borrower's eligibility and certifies the loan, the school may submit to the lender by paper or submit the application electronically to the MDHE for guarantee.

The CBHE shall establish guidelines to promote and facilitate the transfer of students between institutions of higher education within the state.

CBHE policy guidelines include a plan for the transfer of general education credits and for the transfer of associate of arts degrees among public institutions and independent signatory institutions. Other transfer issues are addressed by institution-to-institution articulation agreements. All transfer plans and articulation agreements follow general guidelines outlined in the state's policy framework. These guidelines include an appeals process to follow when the system is not functioning to the satisfaction of students or institutions.

Articulation is the process whereby postsecondary institutions seek to foster the smooth transfer of students by developing agreements that specify in advance the terms, conditions, and expectations that shall be applied to transfer students. Articulation agreements may apply to specific courses and/or to specific degree programs.

• Establishes the curricular foundation of the institution.
• Encourages students to acquire and use the intellectual tools, knowledge, and creative capabilities necessary to study the world.
• Furnishes students with skills that enable them to deepen that understanding and to communicate to others.
• Equips students for success in specialized areas of study and to become educated persons, active citizens, and effective contributors to their own life and to the general welfare of others.
• Introduces students to the traditional disciplines of the arts and sciences.
• Alerts students to the connections between the traditional disciplines and the world.
• Informs students that the world is understood in different ways.
• Provides students with the means to come to terms, intelligently and humanely, with this diversity of understanding.
• Helps students acquire appropriate investigative, interpretative, and communicative competencies.

Designing a 42-hour block of general education credit and encouraging students to complete that block at one institution are perceived to be the best means to achieve these goals for student mastery of general education knowledge and skills.

Institutions are also able to appeal when there is a belief that a transfer practice, procedure, requirement, or policy of another institution is not in accord with the principles or spirit of the state transfer articulation guidelines. A full description of the appeal process is located in the state's credit transfer policy.

For a student transferring from a school that is not participating in the state's agreement on general education transfer to a school that is participating, the student should be informed that the receiving institution would determine how much of the 42-hour block will transfer and what general education requirements will be satisfied.

Students should expect to receive the benefit of the doubt during the implementation phase of the general education policy. Students should be encouraged to share with advisors and/or transfer officers their experiences in transferring so that problems can be identified and resolved in a timely manner, not only for the students transferring, but also for future transfer students.

Students should be informed of institutional and state-level appeals processes, and a sending institution is expected to review each student's complaint, and to become an advocate for the transfer student when the institution believes that the student is not being treated fairly by a receiving institution. Clearly, reform of general education will present difficult and challenging problems that will need to be addressed as institutions operate in good faith to meet the intent of the policy.