student loans

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Across
  1. 2. What is the state small mammal of Texas?
  2. 4. An In-School Deferment (DSCH) is a payment postponement for borrowers who ___________ to school at least half time after the Grace Period (GRCE) has been used.​
  3. 5. Telephone Consumer Protection Act (TCPA) is ________ by Federal Law.
  4. 6. If a borrower is receiving unemployment benefits, they may be eligible for this type of deferment.
  5. 9. _________ Repayment (IDR) plans base a borrower's payment amount on their income, number of children, number of other dependents, marital and tax filing statuses (married/filing jointly), and eligible student loan debt.
  6. 13. CTL's are sent regardless of permissions as long as we have a ________ email address whereas other mail is permission dependent.
  7. 15. This disclosure is not a verbatim script but agents must advise that the call is both ________ and/or recorded to stay consistent with the IVR and associated state laws.
  8. 17. If the borrower's email permissions are yellow or red, we should be pitching __________.
  9. 20. Permanently Uninsured Loans have lost insurance with the Guarantor and can be identified by a CD, AE, or AO Guarantor Code (Guar Code) and typically show extremely high ___________.
  10. 21. Caller Validation ​​refers to determining the _________ of the caller on the line​ before releasing account information.​​​​
  11. 22. The borrower must have paid _________ or more in eligible interest to receive a 1098-E tax statement
  12. 24. Total and Permanent Disability Discharge may relieve the borrower of having to repay their Direct and Department of Education owned FEEL loan(s) if they meet the requirements for being considered totally and permanently __________.
  13. 25. On _______ 19, 2022, the U.S. Department of Education (ED) announced several changes and updates related to income-driven repayment (IDR) plans to include adjustments to borrower accounts, several one-time loan forgiveness actions, and new policies.
  14. 27. The fixed rate is based on the __________ average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1%.
  15. 29. Courts have issued orders __________ the student debt relief program. As a result, at this time, the Department of Education is not accepting applications. The Administration is seeking to overturn these orders.
  16. 30. _________ is a program implemented by FSA to bring all defaulted borrowers on DMCS into good standing.
  17. 33. Federal Student loans may be __________ due to the death of a borrower or a dependent student on a Parent PLUS loan.
  18. 35. Agents should attempt to pronounce names, best as possible, for __________ purposes.
  19. 37. All incoming calls should be answered within ________ seconds.
  20. 38. What is the biggest fish in the ocean?
  21. 39. This is an example of _______ language. "I can absolutely do that for you."
Down
  1. 1. If the customer requests to be referred to by their first or last name, agents must _______ with that request.
  2. 3. A borrower may be eligible for this loan forgiveness if the loan was borrowed to attend a school that took various misleading actions amounting to fraud, or otherwise justify a legal action against the school, under applicable state law.
  3. 7. The interest rate on a Direct Consolidation loan is a _______ rate for the life of the loan.
  4. 8. A Direct Consolidation Loan allows the borrower to consolidate one or more federal education loans into one loan at no _______ to them.
  5. 10. The time when a borrower is considered in an In-School Status (SCHL) begins as soon as a Federal Stafford (subsidized and/or unsubsidized) loan is ___________.
  6. 11. For most borrowers, grace (GRCE) is a 6-month period that separates the In-School Status and Repayment. The borrower is entitled to _________ uninterrupted grace period, per loan.
  7. 12. What is the state flower for California?
  8. 14. If the customer already has an account set up, ________ them about self-serving online.
  9. 16. A borrower that is employed by a U.S. federal, state, local, or tribal government or not-for-profit organization may be eligible for the _________ Loan Forgiveness Program.
  10. 18. What is the state tree for Florida?
  11. 19. verifying address, phone numbers, and email is called this.
  12. 23. The borrower may be eligible for this type of deferment if they are receiving federal or state public assistance.
  13. 26. An IDR amount is good for up to 12 ________ at a time and a borrower can reapply as many times as they would like.
  14. 28. This suggested speak is taking _______ of the call "I'm going to take care of this for you. Don't worry."
  15. 30. A __________ is a period of time during which the borrower is permitted to temporarily stop making payments.
  16. 31. Once the borrower leaves school or is no longer enrolled at least half time, the loan will enter its Grace Period (GRCE). ​The "_____________ date" is the date that determines when the SCHL Status ends and the GRCE Period begins. ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​
  17. 32. What is the largest state in the US?
  18. 34. This repayment plan gradually goes up every two years for a borrower with direct loans.
  19. 36. Forbearance should ________ be the first option offered to customers who express financial hardship or an inability to make payments.