Chapter 7 Loan-Level Records - c.ymcdn.comc.ymcdn.com/sites/ · Chapter 7 Issued: 02/01/2011 Revision 1.3.3 Version: 001 Revises: 04/08/2009 Revision 1.3.0 7-1 Loan-Level Records

Chapter 7

Issued: 02/01/2011 Revision 1.3.3 Version: 001 Revises: 04/08/2009 Revision 1.3.0 7-1

Loan-Level Records

Table of Contents Chapter Composition ................................................................................................................................................. 7-2 Record type 07 (Loan Period/Grade Level Change) ................................................................................................. 7-3 Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease) ............................................................ 7-7 Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase) ........................................................... 7-14 Record type 15 (Loan Status Change) ..................................................................................................................... 7-20 Record type 16 (Lender/Lender-Servicer Change).................................................................................................. 7-27 Record type 24 (Loan Increase) .............................................................................................................................. 7-33 Record type 26 (Principal and Accrued Interest Balance) ....................................................................................... 7-39 Record type 28 (Post-Withdrawal Return) .............................................................................................................. 7-44 Record type 29 (Post-Withdrawal Return Reversal) ............................................................................................... 7-52

Chapter 7, Loan-Level Records

Version: 001 Issued: 02/01/2011 Revision 1.3.3 7-2 Revises: 04/08/2009 Revision 1.3.0

Chapter Composition Chapter 7, Loan-Level Records, contains the following record types:

• Record type 07 (Loan Period/Grade Level Change) • Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease) • Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase) • Record type 15 (Loan Status Change) • Record type 16 (Lender/Lender-Servicer Change) • Record type 24 (Loan Increase) • Record type 26 (Principal and Accrued Interest Balance) • Record type 28 (Post-Withdrawal Return) • Record type 29 (Post-Withdrawal Return Reversal)

Although global edits no longer appear in the field level edits column in the layout specifications, global edits still may be used and do not need to be enumerated in the documentation for each valid instance in order to be used at the field level.

CAM Chapter 7, Loan-Level Records


Record type 07 (Loan Period/Grade Level Change) Record type 07 (Loan Period/Grade Level Change) is used by lenders/lender-servicers and guarantors/guarantor-servicers to revise loan-level information, such as a student’s grade level or loan period begin or end dates.

Note: The anticipated completion date information in this record is loan-level application information, and is not intended for enrollment updates. Changes to person-level enrollment data should be reported via Record type 04 (Enrollment Status Data).

In an effort to synchronize all parties’ databases, the creator of a CAM record must be able to submit a replacement CAM record in a timely manner, when the original CAM record was rejected.

For Record type 07 (Loan Period/Grade Level Change), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Loan period begin and end dates reported in Record type 07 must coincide with an academic term certified by the school. [056] • Loan amount must be less than or equal to annual borrower maximum for grade level. [054] • Loan amount must be less than or equal to aggregate borrower maximum for grade level. [057] • Loan is closed on recipient’s database [071] • No update performed, sender of transaction is not loan originator [091]

Record dependency:

• Record type 02 (Identifier Data) for individual represented by the SSN field. • Record type 09 (Pre-Disbursement Change) if disbursement(s) must be rescheduled due to the loan period change.

Recommended reporting frequency: Daily

Record type 07 (Loan Period/Grade Level Change)

Field no. Field name Description Start Length Data Required Edits

01 Record Code Not used for CAM. 1 2 C - 02 Record Type A 2-digit code indicating the type of record being sent.

3 2 N R

03 SSN SSN of person for whom data is being reported. 5 9 N R SSN must equal SSN field in Record type 02. [105]

Chapter 7, Loan-Level Records CAM




04 Source ID Sender’s identification number, according to function: Guarantor=3-character guarantor code Lender=6-character lender code Lender-servicer=6-character lender-servicer code Guarantor-servicer=up to 8 characters

14 8 C R Source ID must be valid identifier on recipient’s database. [002] If sender is guarantor, Source ID must be ED-assigned guarantor code. [014] If sender is lender, Source ID must be ED-assigned lender code. [014] If sender is lender-servicer, Source ID must be ED-assigned lender-servicer code or NCHELP-assigned lender-servicer code. [014] If sender is guarantor-servicer, Source ID must be NCHELP-assigned guarantor-servicer code. [014] Source ID must equal Source ID in Record type 01. [101]

05 Filler Spaces. 22 3 C R 06 Source Non-ED

Branch ID If assigned, non-standard value designating specific branch or location.

25 4 C R1 If filled, Source ID and Source Non-ED Branch ID must be valid identifier combination on recipient’s database. [002]

07 Recipient ID Recipient’s identification number, according to function: Guarantor=3-character guarantor code Lender=6-character lender code Lender-servicer=6-character lender-servicer code Guarantor-servicer=up to 8 characters

29 8 C R Recipient ID must be valid identifier on recipient’s database. [002] If recipient is guarantor, Recipient ID must be ED-assigned guarantor code. [014] If recipient is lender, Recipient ID must be ED-assigned lender code. [014] If recipient is lender-servicer, Recipient ID must be ED-assigned lender-servicer code or NCHELP-assigned lender-servicer code. [014] If recipient is guarantor-servicer, Recipient ID must be NCHELP- assigned guarantor-servicer code. [014]

08 Filler Spaces. 37 3 C R 09 Recipient Non-ED


40 4 C R1 If filled, Recipient Non-ED Branch ID must be recipient’s non-ED branch ID. [009]

10 Unique Loan Identifier

Unique value assigned and used by guarantor identifying loan (See the section in Chapter 2, Field characteristics, titled Loan identifier fields).

44 16 C R1 If filled and used for matching, Unique Loan Identifier must equal value on recipient’s database. [018]

11 Guaranty Date Date loan was guaranteed (see the section in Chapter 2, Field characteristics, titled Loan identifier fields). Used by some guarantors to identify loan. CCYYMMDD format.

60 8 N R1 If filled and used for matching, Guaranty Date must equal value on recipient’s database ±30 days. [018]

12 Loan Type A 2-character code indicating the type of loan (See Appendix A, Code Values).

68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be AL, CL, GB, PL, SF, SL, or SU. [257] Loan Type must be acceptable loan type on recipient’s database. [002]





13 Alternative Loan Program Type Code

A 3-character code indicating the specific category of the alternative loan. For the most recent code list, see the NCHELP website at www.nchelp.org or contact NCHELP.

70 3 C R1 If filled and used for matching, Alternative Loan Program Type Code must equal value on recipient’s database. [018] If Loan Type is AL, Alternative Loan Program Type Code must be valid alternative loan code. [014] If Loan Type is other than AL, Alternative Loan Program Type Code must be spaces. [173]

14 First Disbursement Date

Date loan was first disbursed (see the section in Chapter 2, Field characteristics, titled Loan identifier fields). Used by some guarantors to identify loan. CCYYMMDD format.

73 8 N R1 If filled and used for matching, First Disbursement Date must equal value on recipient’s database ±30 days. [018]

15 Holder/Lender Code

Six-digit ED-assigned code identifying current loan holder. 81 6 N R If used for matching, Holder/Lender Code must equal value on recipient’s database. [018]

16 Servicer Code A 6-digit ED-assigned lender-servicer code used if non-holder services the loan.

87 6 N R1 If filled and used for matching, Servicer Code must equal value on recipient’s database. [018]

17 Loan Period Begin Date

The beginning date of the period covered by the loan. CCYYMMDD format.

93 8 N R1 If filled and used for matching, Loan Period Begin Date must equal value on recipient’s database. [018]

18 Loan Period End Date

The ending date of the period covered by the loan. CCYYMMDD format.

101 8 N R1 If filled and used for matching, Loan Period End Date must equal value on recipient’s database. [018]

19 Filler Spaces. 109 2 C R 20 Student SSN Student for whom loan proceeds are intended.

Provide only if PLUS or alternative loan. This field is optional for Graduate/Professional PLUS.

111 9 N R1 If filled and used for matching, Student SSN must equal value on recipient’s database. [018] If Loan Type is PL, GB, or AL, Student SSN must be greater than zero and less than all nines. [014] If Loan Type is other than PL, GB, or AL, Student SSN must be zeros. [174] If Loan Type is GB, and Student SSN is populated, Student SSN must equal SSN field in Record type 02. [231]

21 CommonLine Unique Identifier

If assigned, CommonLine Unique Identifier (See the section in Chapter 2, Field characteristics, titled Loan identifier fields).

120 17 C R1 If filled and used for matching, CommonLine Unique Identifier must equal value on recipient’s database. [018]

22 CommonLine Loan Sequence Number

If assigned, CommonLine 2-digit loan sequence number (See the section in Chapter 2, Field characteristics, titled Loan identifier fields).

137 2 N R1 If filled and used for matching, CommonLine Loan Sequence Number must equal value on recipient’s database. [018]

23 New Loan Period Begin Date

The adjusted beginning date of the period covered by the loan. If date is unchanged, date currently on guarantor’s database. CCYYMMDD format.

139 8 N R1 If New Loan Period End Date is filled, New Loan Period Begin Date must be filled. [250] Field in error causes one or more disbursement dates to be either more than 30 days prior to New Loan Period Begin Date or more than 180 days after New Loan Period End Date [308]





24 New Loan Period End Date

The adjusted ending date of the period covered by the loan.If date is unchanged, date currently on guarantor’s database. CCYYMMDD format.

147 8 N R1 New Loan Period End Date must be less than or equal to Anticipated Completion Date. [251] New Loan Period End Date must be more than 30 days after New Loan Period Begin Date. [252] Loan Period is greater than expected by recipient. [253] If New Loan Period Begin Date is filled, New Loan Period End Date must be filled. [250] Field in error causes one or more disbursement dates to be either more than 30 days prior to New Loan Period Begin Date or more than 180 days after New Loan Period End Date. [308]

25 Grade Level If changed, student’s grade level during period for which loan was made (see Appendix A, Code Values).

155 1 C R1 If filled, Grade Level must be valid grade level code. [014] If Loan Type is PL, Grade Level must be 1, 2, 3, 4, or 5. [254] If filled, Grade Level must be less than or equal to recipient’s maximum grade level for school student is attending. [255] If Loan Type is GB, Grade Level must be A, B, C, D, or G. [232]

26 Certification Date Date information was certified by the school. CCYYMMDD format.

156 8 N R Certification Date must be less than or equal to As-Of Date in Record type 01. [008]

27 Filler Spaces. 164 1 C R 28 Anticipated

Completion Date The anticipated date the student will complete the program at this school. CCYYMMDD format.

165 8 N R Anticipated Completion Date must be less than 15 years after Certification Date. [165] Anticipated Completion Date must be greater than or equal to Loan Period End Date. [256]

29 Filler Spaces. 173 161 C R 30 School Use Only Reserved for school information only.

Schools may use this field to store information not otherwise tracked, such as campus activity or a school-assigned application identifier. Any return files must include information provided by the original sender in this field. It is not necessary to store this information, but it must be returned as part of each return record.

334 23 C R1

31 Lender Use Only Reserved for lender information only. Lenders may use this field to store information not otherwise tracked, such as branch activity, special accounting activity, or a lender-assigned loan identifier. Any return files must include information provided by the original sender in this field. It is not necessary to store this information, but it must be returned as part of each return record.

357 20 C R1





32 Guarantor Use Only

Reserved for guarantor information only. Guarantors may use this field to store information not otherwise tracked, such as loan activity or a guarantor-assigned identifier. Any return files must include information provided by the original sender in this field. It is not necessary to store this information, but it must be returned as part of each return record.

377 23 C R1

33 Filler Spaces. 400 2 C R 34 Holder/Lender

Non-ED Branch ID If assigned, non-standard value used to designate specific branch or location.

402 4 C R1 If filled and used for matching, Holder/Lender Non-ED Branch ID must equal value on recipient’s database. [018]

35 Filler Spaces. 406 9 C R 36 DUNS

Holder/Lender Code

Reserved for future use, upon initiation of DUNS by ED. 415 9 N R1

37 DUNS Servicer Code


38 Submittal As-Of Date

As of date from header record optionally filled by source in original submittal. CCYYMMDD format.

433 8 N R1

39 DUNS Source ID Reserved for future use, upon initiation of DUNS by ED. 441 9 N R1 40 DUNS Recipient

ID Reserved for future use, upon initiation of DUNS by ED. 450 9 N R1

41 Record Status Type of record being sent: S=submittal R=reject U=update

459 1 C R If File Type in Record type 01 is CAMS, Record Status must be S. [003] If File Type in Record type 01 is CAMR, Record Status must be R or U. [003]

42 Date/Time Stamp Date and time transaction was created. CCYYMMDDHHMMSSNNNNNN format.

460 20 N R

43 Record Terminator End-of-record indicator. 480 1 C R Record Terminator must be * (asterisk). [014]

Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease) Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease) is used by lenders/lender-servicers and guarantors/guarantor-servicers to reduce a Stafford loan when funds are being reallocated to another Stafford loan. Multiple type 13 records (Stafford Subsidized/Unsubsidized Reallocation Decrease) are included in a record set if there are more than four disbursements per loan, because only four disbursements can be reported in each record.




For Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Each Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease) must be used in conjunction with a Record type 14 (Stafford Subsidized/Unsubsidized

Reallocation Increase). [058] • Loan Amount After Decrease in Record type 13 plus Loan Amount After Increase in Record type 14 must equal current total guaranty amount for subsidized and

unsubsidized loans. [059] • Guarantor/guarantor-servicer does not allow reallocation to a loan that does not exist on their database. [060] • Disbursement Date, Disbursement Amount, and Disbursement Identifier Number are reported in up to four sets. Each set carries information about one disbursement, and

must be populated as a group (if any of the fields are filled, the other two in that set must also be filled; if any are zeros, the others in that set must also be zeros.). [061] • Loan is closed on recipient’s database [071] • Loan Identifier Data fields must match corresponding values in associated loan-level information record. [076] (Loan identifier fields on the 13 must match those on the

14. This also applies if you are sending multiple Record type 13s for the same loan.) • No update performed, sender of transaction is not loan originator [091]

Disbursement Date/Amount/Identifier Number sets are populated for each disbursement on the loan, regardless of which disbursements are being changed with this record.

A Record type 09 is typically used to add a disbursement (pre-disbursement). However, when a disbursement is added in conjunction with a loan increase, the Record type 13 should be used to add the new disbursement.

Record dependency:

• Record type 02 (Identifier Data) for individual represented in the SSN field. • Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase) to increase companion loan by amount reallocated.


Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease)


01 Record Code Not used for CAM. 1 2 C - 02 Record Type A 2-digit code indicating the type of record being sent. 3 2 N R 03 SSN SSN of person for whom data is being reported. 5 9 N R SSN must equal SSN field in Record type 02. [105]





04 Source ID Sender’s identification number, according to function: Guarantor=3-character guarantor code Lender=6-character lender code Lender-servicer=6-character lender-servicer code Guarantor-servicer=up to 8 characters














60 8 N R1 If filled and used for matching, Guaranty Date must equal value on recipient’s database ± 30 days. [018]


68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be SF or SU. [258] Loan Type must be acceptable loan type on recipient’s database. [002]

13 Filler Spaces. 70 3 C R 14 First Disbursement

Date Date loan was first disbursed (see the section in Chapter 2, Field characteristics, titled Loan identifier fields). Used by some guarantors to identify loan. CCYYMMDD format.

73 8 N R1 If filled and used for matching, First Disbursement Date must equal value on recipient’s database ± 30 days. [018]















19 Filler Spaces. 109 2 C R 20 Filler Spaces. 111 9 C R 21 CommonLine

Unique Identifier If assigned, CommonLine Unique Identifier (See the section in Chapter 2, Field characteristics, titled Loan identifier fields).





23 Loan Amount After Decrease

Decreased loan amount after funds reallocation, including all applicable fees. This amount is the lesser of the borrower’s requested loan amount as reported by the borrower to the school or the school’s revised certification amount. For purposes of completing this field, the borrower’s requested loan amount is the sender’s best information as to the amount the student currently wants to receive. 999999 format.

139 6 N R Loan Amount After Decrease must be less than current loan amount on recipient’s database. [259] Loan Amount After Decrease must be less than or equal to Revised Certification Amount. [260] Loan Amount After Decrease must equal cumulative disbursement amount. [261] (Note: If there are cents included in the disbursement amounts that do not equal a whole dollar, the cents should be rounded down to the nearest dollar if they are 49 cents or less and rounded up to the nearest dollar if they are 50 cents or greater to determine the Loan Amount After Decrease.)

24 Revised Certification Amount

Revised amount (specified by school) that borrower is eligible to receive in subsidized or unsubsidized Stafford loans. 999999 format.

145 6 N R Revised Certification Amount must be less than or equal to Cost of Attendance. [262] Revised Certification Amount must be less than or equal to current loan amount. [305] Cost of Attendance (if filled) minus Expected Family Contribution (if filled) minus Estimated Financial Aid (if filled) must be greater than or equal to Revised Certification Amount. [264]

25 Cost of Attendance

The estimated cost of attending school during the loan period before subtracting any financial aid or expected family contribution. 99999 format.

151 5 N R1

26 Expected Family Contribution

Current amount student’s family is expected to contribute to cost of attendance for loan period, if available. 99999 format.

156 5 N R1





27 Estimated Financial Aid

Current estimated amount of financial aid that was or will be awarded to student for loan period, not including loan amount reported in this record, if available. 99999 format.

161 5 N R1

28 Disbursement Date 1, 5, 9, 13, or, 17

The disbursement date for the first, fifth, ninth, thirteenth, or seventeenth disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. If the disbursement date is not being revised, this field contains the previously scheduled first, fifth, ninth, thirteenth, or seventeenth disbursement date. CCYYMMDD format.

166 8 N R If filled, Disbursement Date must be greater than or equal to guaranty date. [204] If filled, Disbursement Date must be on or after the 30th day prior to Date Loan Period Begins or on or before the 180th day after Date Loan Period Ends. [206]

29 Disbursement Amount 1, 5, 9, 13, or 17

The gross disbursement amount for the first, fifth, ninth, thirteenth, or seventeenth disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. If the disbursement amount is not being revised, this field contains the previously established first, fifth, thirteenth, or seventeenth disbursement gross amount. 999999V99 format.

174 8 N R

30 Disbursement Date 2, 6, 10, 14, or 18

The disbursement date for the second, sixth, tenth, fourteenth, or eighteenth disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. If the disbursement date is not being revised, this field contains the previously scheduled second, sixth, tenth, fourteenth, or eighteenth disbursement date. CCYYMMDD format.

182 8 N R1 If filled, Disbursement Date must be greater than or equal to guaranty date. [204] If filled, Disbursement Date must be on or after the 30th day prior to Date Loan Period Begins or on or before the 180th day after Date Loan Period Ends. [206]


The gross disbursement amount for the second, sixth, tenth, fourteenth, or eighteenth disbursement of multiple-disbursement loan. If the disbursement amount is not being revised, this field contains the previously scheduled second, sixth, tenth, fourteenth, or eighteenth gross disbursement amount. 999999V99 format.

190 8 N R1


The disbursement date for the third, seventh, eleventh, fifteenth, or nineteenth disbursement of a multiple-disbursement loan. If the disbursement date is not being revised, this field contains the previously scheduled third, seventh, eleventh, fifteenth, or nineteenth disbursement date CCYYMMDD format.







The gross disbursement amount for the third, seventh, eleventh, fifteenth, or nineteenth disbursement of a multiple-disbursement loan. If the disbursement amount is not being revised, this field contains the previously established scheduled third, seventh, eleventh, fifteenth, or nineteenth disbursement gross amount. 999999V99 format.

206 8 N R1


The disbursement date for the fourth, eighth, twelfth, sixteenth, or twentieth disbursement of a multiple-disbursement loan. If the disbursement date is not being revised, this field contains he previously scheduled fourth, eighth, twelfth, sixteen, or twentieth disbursement date. CCYYMMDD format.



The gross disbursement amount for the fourth, eighth, twelfth, sixteenth, or twentieth disbursement of a multiple-disbursement loan. If the disbursement amount is not being revised, this field contains the previously established fourth, eighth, twelfth, sixteenth, or twentieth gross disbursement amount. 999999V99 format.

222 8 N R1


230 8 N R Certification Date must be less than or equal to As-Of Date in Record type 01. [008] Certification Date must be greater than or equal to school certification date on recipient’s database. [265]

37 Filler Spaces. 238 70 C R 38 Disbursement

Identifier Number 1, 5, 9, 13, or 17

A 2-digit code identifying the disbursement e.g., 01 (first disbursement), 05 (fifth disbursement). This number is established at the time of guaranty and should not be altered due to subsequent changes.

308 2 N R Disbursement Identifier Number must be within maximum number of disbursements allowed by recipient. [200] If first Record type 13 for this SSN, Disbursement Identifier Number must be 01. [266] If filled, and subsequent Record type 13 for this SSN, Disbursement Identifier Number must be 05. [267]

39 Disbursement Identifier Number 2, 6, 10, 14, or 18

A 2-digit code identifying the disbursement e.g., 02 (second disbursement), 06 (sixth disbursement). This number is established at the time of guaranty and should not be altered due to subsequent changes.

310 2 N R1 Disbursement Identifier Number must be within maximum number of disbursements allowed by recipient. [200] If filled, and first Record type 13 for this SSN, Disbursement Identifier Number must be 02. [266] If filled, and subsequent Record type 13 for this SSN, Disbursement Identifier Number must be 06. [267]


A 2-digit code identifying the disbursement e.g., 03 (third disbursement), 07 (seventh disbursement). This number is established at the time of guaranty and should not be altered due to subsequent changes.







A 2-digit code identifying the disbursement e.g., 01 (fourth disbursement), 08 (eighth disbursement). This number is established at the time of guaranty and should not be altered due to subsequent changes.




334 23 C R1


357 20 C R1



377 23 C R1





Holder/Lender Code






433 8 N R1

52 DUNS Source ID Reserved for future use, upon initiation of DUNS by ED. 441 9 N R1





53 DUNS Recipient ID


54 Record Status Type of record being sent: S=submittal R=reject U=update A=acknowledgment

459 1 C R If File Type in Record type 01 is CAMS, Record Status must be S. [003] If File Type in Record type 01 is CAMR, Record Status must be R, A, or U. [003]


460 20 N R


Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase) Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase) is used by lenders/lender-servicers and guarantors/guarantor-servicers to increase a Stafford loan when funds are being reallocated from another Stafford loan. Multiple type 14 records (Stafford Subsidized/Unsubsidized Reallocation Increase) are included in a record set if there are more than four disbursements per loan, because only four disbursements can be reported in each record.


For Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Loan amount must be less than or equal to annual borrower maximum for grade level. [054] • Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase) must be used in conjunction with Record type 13 (Stafford Subsidized/Unsubsidized

Reallocation Decrease). [058] • Loan Amount After Decrease in Record type 13 plus Loan Amount After Increase in Record type 14 must equal current total guaranty amount for subsidized and

unsubsidized loans. [059] • Guarantor/guarantor-servicer does not allow reallocation to a loan that does not exist on their database. [060] • Disbursement Date, Disbursement Amount, and Disbursement Identifier Number are reported in up to four sets. Each set carries information about one disbursement, and

must be populated as a group (if any of the fields are filled, the other two in that set must also be filled; if any are zeros, the others in that set must also be zeros.). [061] • Loan is closed on recipient’s database [071] • Loan Identifier Data fields must match corresponding values in associated loan-level information record. [076] (Loan identifier fields on the 14 must match those on the

13. This also applies if you are sending multiple Record type 14s for the same loan.) • No update performed, sender of transaction is not loan originator [091]





Record dependency:

• Record type 02 (Identifier Data) for individual represented in the SSN field. • Record type 13 (Stafford Subsidized/Unsubsidized Reallocation Decrease) to decrease companion loan by amount reallocated.


Record type 14 (Stafford Subsidized/Unsubsidized Reallocation Increase)


01 Record Code Not used for CAM. 1 2 C - 02 Record Type A 2-digit code indicating the type of record being sent. 3 2 N R 03 SSN SSN of person for whom data is being reported. 5 9 N R SSN must equal SSN field in Record type 02. [105] 04 Source ID Sender’s identification number, according to function:

Guarantor=3-character guarantor code Lender=6-character lender code Lender-servicer=6-character lender-servicer code Guarantor-servicer=up to 8 characters







08 Filler Spaces. 37 3 C R





09 Recipient Non-ED Branch ID

If assigned, non-standard value designating specific branch or location.






60 8 N R1 If filled and used for matching, Guaranty Date must equal value on recipient’s database ± 30 days. [018]


68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be SF or SU. [258] Loan Type must be acceptable loan type on recipient’s database. [002]

13 Filler Spaces. 70 3 C R 14 First Disbursement

Date Date loan was first disbursed (see the section in Chapter 2, Field characteristics, titled Loan identifier fields). Used by some guarantors to identify loan. CCYYMMDD format.












19 Filler Spaces. 109 2 C R 20 Filler Spaces. 111 9 C R 21 CommonLine

Unique Identifier If assigned, CommonLine Unique Identifier (See the section in Chapter 2, Field characteristics, titled Loan identifier fields).









23 Loan Amount After Increase

Loan amount after increase due to funds reallocation. This amount is the lesser of the borrower’s requested loan amount as reported by the borrower to the school or the school’s revised certification amount. For purposes of completing this field, the borrower’s requested loan amount is the sender’s best information as to the amount the student currently wants to receive. 999999 format.

139 6 N R Loan Amount after Increase exceeds borrower’s aggregate limit. [087] Loan Amount After Increase must be less than or equal to Revised Certification Amount. [268] Loan Amount After Increase must be greater than current loan amount on recipient’s database. [269] Loan Amount After Increase must equal cumulative disbursement amount. [270] (Note: If there are cents included in the disbursement amounts that do not equal a whole dollar, the cents should be rounded down to the nearest dollar if they are 49 cents or less and rounded up to the nearest dollar if they are 50 cents or greater to determine the Loan Amount After Increase.) Loan Amount after Increase exceeds borrower’s aggregate limit. [309]


Revised amount (specified by school) that borrower is eligible to receive in subsidized or unsubsidized Stafford loans. 999999 format.

145 6 N R Revised Certification Amount must be less than or equal to Cost of Attendance. [262] Revised Certification Amount must be greater than current loan amount on recipient’s database. [263] Cost of Attendance (if filled) minus Expected Family Contribution (if filled) minus Estimated Financial Aid (if filled) must be greater than or equal to Revised Certification Amount. [264]



151 5 N R1



156 5 N R1


Current estimated amount of financial aid that was or will be awarded to student for loan period, if available, not including loan amount reported in this record. 99999 format.

161 5 N R1


The disbursement date for the first, fifth, ninth, thirteenth, or seventeenth disbursements of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. If the disbursement date is not being revised, this field contains the previously scheduled first, fifth, ninth, thirteenth, or seventeenth disbursement date. CCYYMMDD format.

166 8 N R Disbursement Date must be greater than or equal to guaranty date. [204] Disbursement Date must be on or after the 30th day prior to Date Loan Period Begins or on or before the 180th day after Date Loan Period Ends. [206]






The gross disbursement amount for the first, fifth, ninth, thirteenth, or seventeenth disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. If the disbursement amount is not being revised, this field contains the previously established first, fifth, ninth, thirteenth, or seventeenth gross disbursement amount. 999999V99 format

174 8 N R


The disbursement date for the second, sixth, tenth, fourteenth, or eighteenth disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. If the disbursement date is not being revised, this field contains the previously scheduled second, sixth, tenth, fourteenth, or eighteenth disbursement date. CCYYMMDD format.



The gross disbursement amount for the second, sixth, tenth, fourteenth, or eighteenth disbursement of a multiple-disbursement loan. If the disbursement amount is not being revised, this field contains the previously scheduled gross amount. 999999V99 format.

190 8 N R1


The disbursement date for the third, seventh, eleventh, fifteenth, or nineteenth disbursement of a multiple-disbursement loan. If the disbursement date is not being revised, this field contains the previously scheduled third, seventh, eleventh, fifteenth, or nineteenth disbursement date. CCYYMMDD format.



The gross disbursement amount for the third, seventh, eleventh, fifteenth, or nineteenth disbursement of a multiple-disbursement loan. If the disbursement amount is not being revised, this field contains the previously established scheduled third, seventh, eleventh, fifteenth, or nineteenth gross disbursement amount. 999999V99 format.

206 8 N R1


The disbursement date for the fourth, eighth, twelfth, sixteenth, or twentieth disbursement of a multiple-disbursement loan. If the disbursement date is not being revised, this field contains the previously scheduled fourth, eighth, twelfth, sixteenth, or twentieth. CCYYMMDD format.







The gross disbursement amount for the fourth, eighth, twelfth, fourteenth, sixteenth, or twentieth disbursement of a multiple-disbursement loan. If the disbursement amount is not being revised, this field contains the previously established fourth, eighth, twelfth, sixteenth, and twentieth gross disbursement amount. 999999V99 format.

222 8 N R1


230 8 N R Certification Date must be less than or equal to As-Of Date in Record type 01. [008] Certification Date must be greater than or equal to school certification date on recipient’s database. [265]







310 2 N R1 If filled, Disbursement Identifier Number must be within maximum number of disbursements allowed by recipient. [200] If filled, and first Record type 14 for this SSN, Disbursement Identifier Number must be 02. [266] If filled, and subsequent Record type 14 for this SSN, Disbursement Identifier Number must be 06. [267]









334 23 C R1






357 20 C R1



377 23 C R1





Holder/Lender Code






433 8 N R1






460 20 N R


Record type 15 (Loan Status Change) Record type 15 (Loan Status Change) is used by lenders/lender-servicers to report a change in the current loan status (such as deferment) or a deferment extension. Past events are not reported because they do not affect current status. Guarantors/guarantor-servicers use this record only to report full loan cancellations. In order for CAM to replace the NSLDS



Lender Manifest, guarantors must have a mechanism to capture changes in the Loan Status Effective Date, the Date Entered Repayment, and details associated with Deferments and Forbearances. Record type 15 should be submitted to the guarantor by the lender or lender-servicer whenever any of the following events occur:

• Change in the Loan Status • Change in the Loan Status Effective Date of the current status • Change in the Date Entered Repayment • Change in the Date Ceased Enrollment or Dropped to Less Than Half-time • Change in the Deferment/Forbearance End Date when current status is Deferment/Forbearance • Change in the Type of Deferment when current status is Deferment

This record is at the loan level, as opposed to Record type 04 (Enrollment Data), which is at the person level. Since some guarantors will not accept a new out-of-school date without the date the enrollment was certified by the school, Record Type 04 should accompany Record Type 15 whenever there is a change in the Date Ceased Enrollment or Dropped to Less than Half-time and the corresponding Date Entered Repayment. When Record Type 04 is received with Record Type 15, and the Enrollment Status on the 04 Record is Withdrawn, Graduated, or Less Than Half-time and the Enrollment Status Effective Date matches the Date Ceased Enrollment or Dropped to Less Than Half-time on Record 15, the Date of Certification should be taken from the 04 record if the guarantors requires a Certification Date in order to change the Date Entered Repayment on the loan. Guarantors that do not require a Certification Date to change the Date Entered Repayment should ignore the 04 record—an error should not be returned on the 04 record because of non-current enrollment information.

This record should not be used to cancel a DAAR, claim or recall a claim. Please refer to RT 44 and RT 58 to process those transactions.


For Record type 15 (Loan Status Change), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Record type 15 is intended to provide loan-level status information, not person-level enrollment information, and should not be used for that purpose. A Record Type 04

(Enrollment Status Data) should accompany the Record Type 15 if the status is DA with a PD, PP, FT, or HT Deferment Type [062] • Loan is closed on recipient’s database [071] • No update performed, sender of transaction is not loan originator [091]

Full loan cancellations are reported with Record type 15 (Loan Status Change) only prior to first disbursement. Full loan cancellations that occur after first disbursement must be reported using Record types 09 (Pre-Disbursement Change) and 10 (Post-Disbursement Change/Notification).

Use Record type 15 (Loan Status Change) to cancel a consolidation loan. Use Record type 15 (Loan Status Change) and Record type 26 (Principal and Accrued Interest Balance) to reinstate the underlying loans that were previously reported as paid by the borrower or through consolidation.

Note: Certain loan status codes will be retired as of January 1, 2002, they include: ID, PC and UI. If reporting a loan status code of PC or UI the loan status effective date must be prior to January 1, 2002. If reporting a loan status code of ID, the date of guaranty must be prior to January 1, 2002. Lenders/lender-servicers wishing to transition to the new loan status codes prior to July 1, 2001, must work directly with the guarantor to ensure the guarantor can accommodate the new loan status code.



Record dependency:

• Record type 02 (Identifier Data) for individual represented in the SSN field.

Recommended reporting frequency: Daily for loan cancellations, weekly for all other purposes.

Record type 15 (Loan Status Change)














Unique value assigned and used by guarantor identifying loan (see the section in Chapter 2, Field characteristics, titled Loan identifier fields).









68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be AL, CL, GB, PL, RF, SF, SL, or SU. [271] Loan Type must be acceptable loan type on recipient’s database. [002]





Date loan was first disbursed (see the section in Chapter 2, Field characteristics, titled Loan identifier fields). Used by some guarantors to identify loan. CCYYMMDD format.


























24 Loan Status Date Date current loan status became effective (according to definitions in Appendix A, Code Values). CCYYMMDD format.

143 8 N R If Loan Status Code is DA (except SLS loans), Loan Status Date must be greater than or equal to Date Entered Repayment. [272] If Loan Status Code is RP or FB, Loan Status Date must be greater than or equal to Date Entered Repayment. [273] If Loan Status Code is other than ID, Loan Status Date must be less than or equal to As-Of Date in Record type 01. [008] If Loan Type is SF or SU and the Loan Status Code is other than IA, ID, IG, or IM, Loan Status Date must be greater than Guaranty Date. [274] If Loan Type is SF or SU and the Loan Status Code is IG or IM, Loan Status Date must be greater than or equal to Day of Guaranty minus 180 days. [318] If Loan Type is GB or PL and Loan Status is other than CA or IA, Loan Status Date must be greater than or equal to the Date the Final Disbursement was made on the loan. [319] If the Loan Status is IA, the Loan Status Date must be equal to Guaranty Date unless the prior Loan Status was IM. [323]

25 Loan Status Code Valid current loan status code (see Appendix A, Code Values).

151 2 C R Loan Status Code must be CA, DA, FB, IA, ID, IG, IM, PC, PF, PN, RF, RP, UA, UB, UC, UD or UI. [014] If the recipient’s database reflects that a disbursement has been made, Loan Status Code must be other than CA. [275] If Deferment Type is filled, Loan Status Code must be DA. [276] If the Loan Status Code is ID, the date of guaranty must be prior to January 1, 2002. [306] Loan Status codes of PC or UI are invalid if the loan status effective date is equal to or greater than January 1, 2002. [307] If the current status code of the loan is 'UC' the new status code can only be 'UD' or 'PF'. [311] If the current status code of the loan is 'UD' the new status code can only be 'UC' or 'PF'. [312]





26 Date Ceased Enrollment or Dropped to Less than Half-Time

If student withdrew, graduated, or dropped to less than half-time, date of that event (students are considered enrolled during summer periods if planning to return to school in fall). Required for Stafford and SLS loans under the following conditions: • Loan Status Code is FB or RP • Loan Type Code is SF or SU and Loan Status Code is

DA • Loan Type Code is SL, Loan Status Code is DA and

subsequent to the initial in-school deferment • Loan Status Code is UI, unless the servicing violation

occurred prior to the student dropping below half-time enrollment

• Loan Status Code is PF, PC, or RF, unless the loan was paid prior to the student dropping below half-time enrollment

• Loan Status Code is CA, unless the loan was canceled for a reason other than the student dropping below half-time enrollment.

Optional for alternative loans. CCYYMMDD format.

153 8 N R2 Date Ceased Enrollment or Dropped to Less than Half-Time must be less than or equal to As-Of Date in Record type 01. [008] Date Ceased Enrollment is required for Loan Type and Loan Status combination. [277]

27 Deferment Type If Loan Status Code is DA, deferment type code (see Appendix A, Code Values).

161 2 C R1 If filled, Deferment Type must be AC, AP, EH, FT, GF, HT, IR, MO, MR, NO, PC,PD, PE, PL, PP, RT, TD, TE, TS, UE, UN, or WM. [014] If filled, Deferment Type must be valid for loan type. [278] If Loan Status is DA, Deferment Type must be filled. [279]

28 Deferment/Forbearance End Date

If Loan Status Code is DA, date deferment is projected to end, including any applicable post-deferment grace periods.If Loan Status Code is FB, forbearance end date (if available). CCYYMMDD format.

163 8 N R1 If Loan Status Code is FB or DA, Deferment/Forbearance End Date (if filled) must be greater than or equal to As-Of Date in Record type 01. [007] If Loan Status Code is FB or DA, Deferment/Forbearance End Date (if filled) must be greater than or equal to Loan Status Date. [280] If Loan Status Code is DA, Deferment/Forbearance End Date must be less than 10 years in future. [281] If Loan Status is DA, Deferment/Forbearance End Date must be filled. [282]

29 Deferment Effective Prior to First Payment Due Date

Indicates deferment status: Y=yes (loan currently in deferred status and entered deferment being reported after grace ended but before first payment became due) N=no (deferment being reported was granted after first payment became due) Spaces=loan not deferred

171 1 C R1 If Loan Status Code is DA, Deferment Effective Prior to First Payment Due Date must be Y or N. [283] If Loan Status Code is other than DA, Deferment Effective Prior to First Payment Due Date must be spaces. [284]





30 Current School Code

If currently enrolled, OPEID code (assigned by ED) of student’s current school, assigned by ED.

172 8 N R1 If filled, Current School Code must be valid OPEID. [014] If Loan Status Code is IA or ID, Current School Code must be filled. [285] If Loan Status Code is DA and Deferment Type is HT or FT, Current School Code must be filled. [286] If filled, Current School Code must be for a school that is eligible and/or participating on the recipient’s database. [108]

31 Date Entered Repayment

Date loan was originally converted to repayment according to cohort definition. For an SLS loan linked with a Stafford loan, day after Stafford grace ended. For an SLS loan not linked with a Stafford, day after student ceased to be enrolled at least half time. CCYYMMDD format.

180 8 N R If Loan Status Code is IA, ID, IG or IM, Date Entered Repayment must be greater than As-Of Date in Record type 01. [007] If the Loan Type is GB, PL or RF and Loan Status is other than CA, Date Entered Repayment must be equal to the final disbursement date. If the Loan Type is CL and Loan Status is other than CA, Date Entered Repayment must be equal to the initial disbursement date. [288] If the Loan Type is other than CL, Date Entered Repayment must be greater than or equal to the guaranty date. [313] Date Entered Repayment must be less than the as-of date plus 15 years. [314] If the Loan Type is CL, Date Entered Repayment must be greater than or equal to the guaranty date minus one year. [326]



334 23 C R1


357 20 C R1



377 23 C R1








38 DUNS Current School Code


39 DUNS Holder/Lender Code






433 8 N R1






460 20 N R


Record type 16 (Lender/Lender-Servicer Change) Record type 16 (Lender/Lender-Servicer Change) is submitted by the purchasing lender when a loan sale occurs, and by the new lender-servicer when a servicer change occurs. If the guarantor/guarantor-servicer receives notification that the holder/lender has changed, the code on their database does not equal the holder/lender code before the sale, and the Date Loan Sold is greater than or equal to the date loan sold on the recipient’s database, the guarantor/guarantor-servicer should still update their database to reflect the loan sale.

Also, if the guarantor/guarantor-servicer receives notification that the loan servicer has changed, the code on their database does not equal the servicer code before the transfer, and the Servicer Responsibility Date is greater than or equal to the servicer responsibility date on the recipient’s database, the guarantors/guarantor-servicer should still update their database to reflect the servicing transfer.

Record type 16 is to be initiated in most cases where loan servicing is handled by an entity other than the holder (lender) of a loan. The Date of Servicer Responsibility represents the date a servicer assumes responsibility for a loan. In cases where a servicer is responsible for the loan origination process, this could be the Date of Guaranty. Otherwise, it is the date responsibility for servicing a loan transferred from a lender to a servicer or from one servicer to another servicer.

Just as a Record type 16 is initiated by the purchasing lender to report the purchase of a loan, a Record type16 is initiated by the initial servicer, or the receiving servicer in a transfer situation, to notify the guarantor that a third party servicing relationship exists.



Note regarding consolidated loans – Record type 17 (Consolidation Loan Notification) contains Servicer code and Servicer Responsibility date. These fields are populated when a non-holder services the consolidated loan. As such Record type 16 should not be submitted in this scenario.


For Record type 16 (Lender/Lender-Servicer Change), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Loan is closed on recipient’s database [071]

Record dependency:


Recommended reporting frequency: Weekly

Record type 16 (Lender/Lender-Servicer Change)



Lender=6-character lender code Lender-servicer=6-character lender-servicer code

14 8 C R Source ID must be valid identifier on recipient’s database. [002] If sender is lender, Source ID must be ED-assigned lender code. [014] If sender is lender-servicer, Source ID must be ED-assigned lender-servicer code or NCHELP-assigned lender-servicer code. [014] Source ID must equal Source ID in Record type 01. [101]














Unique value assigned and used by guarantor/guarantor-servicer identifying loan (See the section in Chapter 2, Field characteristics, titled Loan identifier fields).


11 Guaranty Date Date loan was guaranteed (see the section in Chapter 2, Field characteristics, titled Loan identifier fields). Used by some guarantors/guarantor-servicers to identify loan. CCYYMMDD format.



68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be AL, CL, PL, GB, RF, SF, SL, or SU. [271] Loan Type must be acceptable loan type on recipient’s database. [002]





Date loan was first disbursed (see the section in Chapter 2, Field characteristics, titled Loan identifier fields). Used by some guarantors/guarantor-servicers to identify loan. CCYYMMDD format.



If reporting that a loan was sold, report the previous lender’s ED- assigned six-digit lender code (lender before purchase). The purchasing lender’s code is entered in the Current Holder/Lender Code field. If reporting a new lender-servicer but not changing lender, code for current lender.

81 6 N R If used for matching, Holder/Lender Code must equal value on recipient’s database. [018]

16 Servicer Code A 6-digit ED-assigned lender-servicer code used if non-holder services the loan. If reporting a lender-servicer change, report the previous lender-servicer’s ED-assigned 6-digit code if known (lender-servicer before change). Report new lender-servicer code in Current Servicer Code field. If not reporting a lender-servicer change, report the current lender-servicer’s ED-assigned 6-digit code.










The ending date of the period covered by the loan CCYYMMDD format.











23 Filler Spaces. 139 4 C R 24 Current

Holder/Lender Code

Six-digit ED-assigned code identifying current loan holder. 143 6 N R Current Holder/Lender Code must be for eligible lender on recipient’s database. [002] Current Holder/Lender Code must be ED-assigned lender code. [014]

25 Date Loan Sold If loan sold, date of sale as reported by purchasing lender. CCYYMMDD format.

149 8 N R1 If filled, Date Loan Sold must be less than or equal to As-Of Date in Record type 01. [008] If filled, Date Loan Sold must be greater than or equal to guaranty date on recipient’s database. (Does not apply to Consolidated loans) [204] If filled, Date Loan Sold must be greater than or equal to date loan sold on recipient’s database. [289] If Holder/Lender Code does not equal Current Holder/Lender Code, Date Loan Sold must be filled. [290]

26 Current Servicer Code

A 6-digit ED-assigned lender-servicer code used if non-holder services the loan. This field must contain code for current lender-servicer, even if the lender-servicer has not changed.

157 6 N R1 If filled, and not equal to Servicer Code, Current Servicer Code must be zeros or ED-assigned lender-servicer code. [291] If filled, Current Servicer Code must be for eligible servicer on recipient’s database. [002] If Servicer Responsibility Date is filled, Current Servicer Code must be filled. [287] If Servicer Responsibility Date is zeros, Current Servicer Code must be zeros. [292]





27 Servicer Responsibility Date

If non-holder services the loan, date on which lender-servicer assumed servicing responsibility. CCYYMMDD format.

163 8 N R1 If filled, Servicer Responsibility Date must be greater than Guaranty Date minus 1 year. [293] If Current Servicer Code is filled, Servicer Responsibility Date must be filled. [287] If filled, Servicer Responsibility Date must be less than or equal to As- Of Date in Record type 01. [008] If filled, Servicer Responsibility Date must be greater than or equal to servicer responsibility date on recipient’s database. [294]

Note: Prior to the 03/01/2006 Publication, Field 28 Length was 145. 28 Filler Spaces. 171 144 C R 28a Borrower

Electronic Signature Indicator Code

A 1-character code indicating if the borrower electronically signed the promissory note. Y=Yes, the promissory note was electronically signed. Fill this field with a space if you are not providing this data or if the note is not electronically signed.

315 1 C R1 Borrower Electronic Signature Indicator Code is invalid [321]

29 DUNS Current Servicer Code


30 DUNS Current Holder/Lender Code


31 School Use Only Reserved for school information only. Schools may use this field to store information not otherwise tracked, such as campus activity or a school-assigned application identifier. Any return files must include information provided by the original sender in this field. It is not necessary to store this information, but it must be returned as part of each return record.

334 23 C R1


357 20 C R1







377 23 C R1

34 Filler Spaces. 400 2 C R 35 Current

Holder/Lender Non-ED Branch ID


402 4 C R1 If filled, Current Holder/Lender Non-ED Branch ID must be valid identifier on recipient’s database. [002]

Note: Prior to the 03/01/2006 Publication, Field 36 was Filler starting in Position 406 with a Length of 9. 36 E-signature

Source Type Code A 9-byte code that includes the type of organization that captured the electronic signature and the organization’s OPE ID or NCHELP assigned ID. Allowable codes are L for Lender, O for Guarantor or Lender Servicer, and G for Guarantor. Example: L888888 = Lender and Lender OPE ID Note: This field will be used to determine the organization that captured the e-sign note to assist entities that perform servicing. The creator of the CAM submittal record will populate this field if they have the information.

406 9 C R1 E-signature Source Type Code contains an invalid value [322]

37 DUNS Holder/Lender Code






433 8 N R1






460 20 N R




Record type 24 (Loan Increase) Record type 24 (Loan Increase) is used to increase a loan without reallocating funds, and is submitted by lenders/lender-servicers and guarantors/guarantor-servicers. Multiple type 24 records (Loan Increase) are included in a record set if there are more than four disbursements per loan, because only four disbursements can be reported in each record.

Because this record is used for disbursement approval, the record must be sent within sufficient time for the school to credit the student’s account by the 90th day after the end of the loan period. This transaction must happen before disbursement; therefore, it is always reported by the originator.


For Record type 24 (Loan Increase), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Disbursement Date, Disbursement Amount, and Disbursement Identifier Number are reported in up to four sets. Each set carries information about one disbursement, and

must be populated as a group (if any of the fields are filled, the other two in that set must also be filled; if any are zeros, the others in that set must also be zeros.). [061] • According to some agency’s policies, at least one disbursement must be pending in order to process the increase. [063] • Loan is closed on recipient’s database [071] • Loan Identifier Data fields must match corresponding values in associated loan-level information record. [076] (This applies only if you are sending multiple Record type

24s for the same loan.) • No update performed, sender of transaction is not loan originator [091]





Record dependency:



Record type 24 (Loan Increase)














Unique value assigned and used by guarantor/guarantor-servicer in identifying loan (see the section in Chapter 2, Field characteristics, titled Loan identifier fields).






11 Guaranty Date Date loan was guaranteed (see the section in Chapter 2, Processing Overview titled Matching/secondary matching).Used by some guarantors/guarantor-servicers to identify loan. CCYYMMDD format.



68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be AL, PL, GB, SF, SL, or SU. [172] Loan Type must be acceptable loan type on recipient’s database. [002]






























23 Loan Amount After Increase

Loan amount after increase. This amount is the lesser of the borrower’s requested loan amount as reported by the borrower to the school or the school’s revised certification amount. For purposes of completing this field, the borrower’s requested loan amount is the sender’s best information as to the amount the student currently wants to receive. 999999 format.

139 6 N R Loan Amount After Increase must be less than or equal to annual borrower maximum for grade level. [295] Loan Amount After Increase must be less than or equal to Revised Certification Amount. [268] Loan Amount After Increase must be greater than current loan amount on recipient’s database. [269] Loan Amount After Increase must be less than or equal to borrower requested amount. [296] Loan Amount After Increase must equal cumulative disbursement amount. [270] (Note: If there are cents included in the disbursement amounts that do not equal a whole dollar, the cents should be rounded down to the nearest dollar if they are 49 cents or less and rounded up to the nearest dollar if they are 50 cents or greater to determine the Loan Amount After Increase.) Loan Amount after Increase exceeds borrower’s aggregate limit. [309]


Revised amount (specified by school) that borrower is eligible to receive in subsidized Stafford, unsubsidized Stafford, PLUS, Graduate/Professional PLUS or alternative loans. 999999 format.

145 6 N R Revised Certification Amount must be greater than original loan amount. [297] Cost of Attendance (if filled) minus Expected Family Contribution (if filled) minus Estimated Financial Aid (if filled) must be greater than or equal to Revised Certification Amount. [264]



151 5 N R1



156 5 N R1


Current estimated amount of financial aid that was or will be awarded to student for loan period, if available, not including loan amount reported in this record. 99999 format.

161 5 N R1

28 Disbursement Date

If no change required, original disbursement date. CCYYMMDD format.

166 8 N R Disbursement Date must be greater than or equal to guaranty date. [204] Disbursement Date must be on or after the 30th day prior to Date Loan Period Begins or on or before the 180th day after Date Loan Period Ends. [206]

29 Disbursement Amount

First disbursement amount. If no change required, original gross disbursement amount.999999V99 format.

174 8 N R






Second disbursement date. Zeros if no second disbursement; if no change required, original disbursement date. CCYYMMDD format.



Second disbursement amount. If no change required, original gross disbursement amount.Zeros if no second disbursement. 999999V99 format.

190 8 N R1


Third disbursement date. Zeros if no third disbursement; if no change required, original date. CCYYMMDD format.



Third disbursement amount. If no change required, original gross amount. Zeros if no third disbursement. 999999V99 format.

206 8 N R1


Fourth disbursement date. Zeros if no fourth disbursement; if no change required, original date. CCYYMMDD format.



Disbursement amount. If no change required, original gross amount. Zeros if no fourth disbursement. 999999V99 format.

222 8 N R1


230 8 N R Certification Date must be less than or equal to As-Of Date in Record type 01. [008]


Identifier Number Used to identify disbursements. Number of disbursement reported: 01=1st disbursement, 05=5th disbursement, etc.


39 Disbursement Identifier Number

Used to identify disbursements. Number of disbursement reported: 02=2nd disbursement, 06=6th disbursement, etc.







Used to identify disbursements. Number of disbursement reported: 03=3rd disbursement, 07=7th disbursement, etc.



Used to identify disbursements. Number of disbursement reported: 04=4th disbursement, 08=8th disbursement, etc.




334 23 C R1


357 20 C R1



377 23 C R1





Holder/Lender Code










433 8 N R1





55 Date/Time Stamp Date and time transaction was created .CCYYMMDDHHMMSSNNNNNN format

460 20 N R


Record type 26 (Principal and Accrued Interest Balance) Lenders/lender-servicers submit Record type 26 (Principal and Accrued Interest Balance) to periodically report the amount of outstanding principal and accrued interest on an open loan. This information is then reported by the guarantor/guarantor-servicer as part of their monthly NSLDS submission. It is not necessary to submit a Record type 26 (Principal and Accrued Interest Balance) for closed loans.

Use Record type 15 (Loan Status Change) to cancel a consolidation loan. If necessary, use records 15 (Loan Status Change) and 26 (Principal and Accrued Interest Balance) to reinstate the underlying loans that were in the canceled consolidation loan.


For Record type 26 (Principal and Accrued Interest Balance), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Loan is closed on recipient’s database [071]



Record dependency:


Reporting frequency: After CAM is fully implemented between trading partners, and Lender Manifest is discontinued, the frequency will be at least quarterly (except a daily frequency for certain exception processing, such as paid-in-full reversal due to an NSF check).

Record type 26 (Principal and Accrued Interest Balance)























68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be AL, CL, PL, GB, RF, SF, SL, or SU. [271] Loan Type must be acceptable loan type on recipient’s database. [002]








Six-digit ED-assigned code identifying current holder of loan.

81 6 N R If used for matching, Holder/Lender Code must equal value on recipient’s database. [018]


















23 Filler Spaces. 139 4 C R 24 Outstanding

Principal Balance Date

Date outstanding principal balance amount was verified, as of the last day of the reporting cycle (monthly or quarterly). CCYYMMDD format.

143 8 N R Outstanding Principal Balance Date must be less than or equal to As- Of Date in Record type 01. [008] Outstanding Principal Balance Date must be greater than or equal to guaranty date. [204]





25 Outstanding Principal Balance Amount

Cumulative whole dollar value of outstanding principal balance, including capitalized interest.

151 6 N R1 If no disbursements have occurred, Outstanding Principal Balance Amount must be zero. [298] If loan status on recipient's database is IA or ID, and disbursements have been reported, Outstanding Principal Balance Amount plus Outstanding Accrued Interest Balance Amount must be greater than zero. [299] If loan status on recipient’s database is DA, FB, IG, IM, RP, UA or UB, Outstanding Principal Balance Amount plus Outstanding Accrued Interest Balance Amount must be greater than zero. [300] Outstanding Principal Balance must be less than or equal the Amount of Guaranty times 9 [315] Outstanding Principal Balance must be zero if the Loan Status is CA, PC, PF, PN, or RF. [316]

26 Outstanding Accrued Interest Balance Date

For open loans, date through which Outstanding Accrued Interest Balance Amount was verified. Usually the same as Outstanding Principal Balance Date. CCYYMMDD format.

157 8 N R Outstanding Accrued Interest Balance Date must be less than or equal to As-Of Date in Record type 01. [008] Outstanding Accrued Interest Balance Date must be greater than or equal to guaranty date. [204]

27 Outstanding Accrued Interest Balance Amount

Cumulative whole dollar value of outstanding accrued interest due from borrower, not including interest owed by government or capitalized interest.

165 6 N R1 If no disbursements have occurred, Outstanding Accrued Interest Balance Amount must be zero. [298] If Loan Type is SF and Loan Status Code is IA, ID, IG or IM, and loan on recipient’s database is subsidized, Outstanding Accrued Interest Balance Amount must be zero. [301] Outstanding Interest Balance must be less than or equal to the Amount of Guaranty times 9 [317]

28 Interest Rate Type Code

A 1-character code indicating the type of interest being charged on the loan: 8= adjustable rate, 8/10% C=converted to variable rate F=fixed rate, simple V=variable rate

171 1 C R1 Interest Rate Type must be 8, C, F, or V. [014]

Note: Prior to the 03/01/2006 Publication, Field 29 Length was 162. 29 Filler Spaces. 172 152 C R 29a Borrower

Electronic Signature Indicator Code

A 1-character code indicating if the borrower electronically signed the promissory note. Y=Yes, the promissory note was electronically signed. Fill this field with a space if you are not providing this data or if the note is not electronically signed.

324 1 C R1 Borrower Electronic Signature Indicator Code is invalid [321]





29b E-signature Source Type Code

A 9-byte code that includes the type of organization that captured the electronic signature and the organization’s OPE ID or NCHELP assigned ID. Allowable codes are L for Lender, O for Guarantor or Lender Servicer, and G for Guarantor. Example: L888888 = Lender and Lender OPE ID Note: This field will be used to determine the organization that captured the e-sign note to assist entities that perform servicing. The creator of the CAM submittal record will populate this field if they have the information.

325 9 C R1 E-signature Source Type Code contains an invalid value [322]

30 School Use Only Reserved for school information only. Schools may use this field to store information not otherwise tracked, such as campus activity or a school-assigned application identifier. Any return files must include information provided by the original sender in this field. It is not necessary to store this information, but it must be returned as part of each return record.

334 23 C R1


357 20 C R1



377 23 C R1





Holder/Lender Code










433 8 N R1






460 20 N R


Record type 28 (Post-Withdrawal Return) Record type 28 (Post-Withdrawal Return) is used by lenders/lender-servicers to report receipt of all post-withdrawal returns. Lenders/lender-servicers submit Record type 29 (Post-Withdrawal Return Reversal) to reverse post-withdrawal returns previously reported in error. If a change in amount and/or date is to be made, a Record type 28 (Post-Withdrawal Return) is sent as well to report the correct post-withdrawal return amount and/or date.


For Record type 28 (Post-Withdrawal Return), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Disbursement Date, Disbursement Amount, and Disbursement Identifier Number are reported in up to four sets. Each set carries information about one disbursement, and

must be populated as a group (if any of the fields are filled, the other two in that set must also be filled; if any are zeros, the others in that set must also be zeros.). [061] • Return to Lender Date and Return to Lender Amount are reported in up to four sets. Each set carries information about one return, and must be populated as a pair (if

either of the fields is filled, the other in that pair must be filled; if one is zeros, the other in that pair must be zeros). [064] • The Return to Lender Date and Return to Lender Amount cannot be the same as a previously reported cancellation date and amount, respectively (in this case, the funds

would not be available for return, because they were previously canceled). [065] • Loan is closed on recipient’s database [071] • No update performed, sender of transaction is not loan originator [091]

Disbursement Date/Amount/Identifier Number sets are populated for each disbursement for which a post-withdrawal return was received. It is optional to populate Disbursement Date / Amount / Identifier Number sets for which a post withdrawal return was not received. The corresponding Return to Lender Date/Amount fields are populated (value greater than zero) only for those disbursements for which a post-withdrawal return was received.



Calculation of new net disbursement amount upon receipt of Post-Withdrawl Return:

• In order for a guarantor to correctly calculate net disbursement amount upon receipt of Post-withdrawl Return from the lender, the guarantor must know what portion (if any) of the fees were subsidized by the lender and guarantor.

• Some guarantors keep track of fee subsidy information on their systems and consequently have enough information to calculate net disbursement amount upon receipt of post-disbursement changes.

• Other guarantors do not track fee subsidies. To assist these guarantors, lenders may convey fee subsidy information to guarantors via the CAM 28 record during Post-Withdrawn Return notification. The guarantor will then use this information to correctly calculate net disbursement amounts when processing Post-Withdrawal Return of funds.

• Guarantors who track fee subsidies on their systems are not required to process the fee subsidy information sent by the lenders.

Record dependency:



Record type 28 (Post-Withdrawal Return)























68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be AL, CL, PL, GB, SF, SL, or SU. [257] Loan Type must be acceptable loan type on recipient’s database. [002]































The disbursement date for the first, fifth, ninth, thirteenth, or seventeenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. CCYYMMDD format.

139 8 N R1 If filled, Disbursement Date must equal value on recipient’s database. [009]

24 Disbursement Amount 1, 5, 9, 13 or 17

The disbursement amount for the first, fifth, ninth, thirteenth, or seventeenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. 999999V99 format.

147 8 N R1 If filled, Disbursement Amount must equal value on recipient’s database. [009]

25 Filler Spaces. 155 2 C R 26 Return to Lender

Date Date lender received post-withdrawal return from the school. Return amount and date cannot be the same as previously reported cancellation amount and date, respectively. CCYYMMDD format.

157 8 N R Return to Lender Date must be less than or equal to As-Of Date in Record type 01. [008] Return to Lender Date must be greater than disbursement date being reported. [302]

27 Return to Lender Amount

Total net amount of all post-withdrawal returns reported by the school for the disbursement. Return amount and date cannot be the same as previously reported cancellation amount and date, respectively. When the Percent of Fees Paid (Origination or Guaranty/Federal Default) is equal to zero, the Return to Lender Amount does not include fees paid. When the Percent of Fees Paid (Origination or Guaranty/Federal Default) is greater than zero, the Return to Lender Amount does include fees paid. 999999V99 format.

165 8 N R Return to Lender Amount must be less than or equal to net disbursement amount on guarantor’s database. [303]


The disbursement date for the second, sixth, tenth, fourteenth, or eighteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. CCYYMMDD format.



The disbursement amount for the second, sixth, tenth, fourteenth, or eighteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. 999999V99 format.







31 Return to Lender Date

Date lender received post-withdrawal return from the school. Return amount and date cannot be the same as previously reported cancellation amount and date, respectively. CCYYMMDD format.

191 8 N R1 If filled, Return to Lender Date must be less than or equal to As-Of Date in Record type 01. [008] If filled, Return to Lender Date must be greater than disbursement date being reported. [302]



199 8 N R1 If filled, Return to Lender Amount must be less than or equal to net disbursement amount on guarantor’s database. [303]


The disbursement date for the third, seventh, eleventh, fifteenth, or nineteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. CCYYMMDD format.



The disbursement amount for the third, seventh, eleventh, fifteenth, or nineteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. 999999V99 format.







233 8 N R1 If filled, Return to Lender Amount must be less than or equal to net disbursement amount on guarantor’s database. [303]


The disbursement date for the fourth, eighth, twelfth, sixteenth, or twentieth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. CCYYMMDD format.






39 Disbursement Amount 4, 8 12, 16, or 20

The disbursement amount for the fourth, eighth, twelfth, sixteenth, or twentieth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. 99999V99 format.







267 8 N R1 If filled, Refund to Lender Amount must be less than or equal to net disbursement amount on guarantor’s database. [303]

43 Net Amount Dis-bursed to Date

Cumulative amount (net of guaranty and origination fees) disbursed to borrower to date. 999999V99 format.

275 8 N R Net Amount Disbursed to Date must be less than or equal to net amount disbursed to date on recipient’s database. [304]

43a Percent of Origination Fees Paid

The percentage of origination fees subsidized by the lender on behalf of the borrower for the loan. Lenders are required to populate this data when notifying Guarantors if origination fees were subsidized by the lender. Fill this field with zeros if fees were not subsidized. Fill this field with spaces if this data is not being provided. When the Percent of Fees Paid (Origination or Guaranty/Federal Default) is equal to zero, the Return to Lender Amount does not include fees paid. When the Percent of Fees Paid (Origination or Guaranty/Federal Default) is greater than zero, the Return to Lender Amount does include fees paid. 9(001)V99 format

283 3 C R1 If filled, Percent of Origination Fees Paid cannot be greater than 100%. [324] Value provided is an invalid number. [014]





43b Percent of Guaranty/Federal Default Fees Paid

The percentage of guaranty/federal default fees subsidized by the lender/guarantor on behalf of the borrower for the loan. This data is required if guaranty/federal default fees were subsidized as known by the sending organization. For example for guarantors/lenders subsidizing the guaranty/federal default fee on or after 7/1/2006 this field must be populated with the guaranty/federal default fee amount being paid by the guarantor/lender. Fill this field with zeros if fees were not subsidized. Fill this field with spaces if this data is not being provided. When the Percent of Fees Paid (Origination or Guaranty/Federal Default) is equal to zero, the Return to Lender Amount does not include fees paid. When the Percent of Fees Paid (Origination or Guaranty/Federal Default) is greater than zero, the Return to Lender Amount does include fees paid. 9(001)V99 format Note: Since this field was previously a Character field, the Sender of the file may populate the field with spaces.

286 3 C R1 If filled, Percent of Guaranty/Federal Default Fees Paid cannot be greater than 100%. [325] Value provided is an invalid number. [014]

Note: Prior to the 10/01/2007 (1.1.0) Publication, Field 44 started in Position 283 with a Lenght of 25. 44 Filler Spaces. 289 19 C R 45 Disbursement



















334 23 C R1


357 20 C R1



377 23 C R1





Holder/Lender Code






433 8 N R1










460 20 N R


Record type 29 (Post-Withdrawal Return Reversal) Lenders/lender-servicers submit Record type 29 (Post-Withdrawal Return Reversal) to reverse post-withdrawal returns previously reported in error. If a change in amount and/or date is to be made, a Record type 28 (Post-Withdrawal Return) is sent as well to report the correct post-withdrawal return amount and/or date. If the post-withdrawal should not have been applied to a loan, only a Record type 29 (Post-Withdrawal Return Reversal) is sent to zero out the previously reported post-withdrawal return.

This is a loan-level record, and any reversal must be complete. Refunds made to any and all disbursements should be reported for reversal. If a refund is applied to the wrong disbursement, Record type 29 should be used to reverse all post-withdrawal refunds for that loan, and Record type 28 should be used to correctly report the refund.




For Record type 29 (Post-Withdrawal Return Reversal), these record-level errors can be sent:

• Loan must not be in a claim paid status on the guarantor’s system. [053] • Loan amount must be less than or equal to annual borrower maximum for grade level. [054] • Disbursement Date, Disbursement Amount, and Disbursement Identifier Number are reported in up to four sets. Each set carries information about one disbursement, and

must be populated as a group (if any of the fields are filled, the other two in that set must also be filled; if any are zeros, the others in that set must also be zeros.). [061] • Return to Lender Date and Return to Lender Amount are reported in up to four sets. Each set carries information about one post-withdrawal return, and must be populated

as a pair (if either of the fields is filled, the other in that pair must be filled; if one is zeros, the other in that pair must be zeros). [064] • Previously Reported Return to Lender Date and Previously Reported Return to Lender Amount are reported in up to four sets. Each set carries information about one

post-withdrawal return, and must be populated as a pair (if either of the fields is filled, the other in that pair must be filled; if one is zeros, the other in that pair must be zeros). [066]

• The Return to Lender Date and Return to Lender Amount cannot be the same as a previously reported cancellation date and amount, respectively (in this case, the funds would not be available for return, because they were previously canceled). [065]

• Loan is closed on recipient’s database [071] • No update performed, sender of transaction is not loan originator [091]

Disbursement Date/Amount/Identifier Number sets are populated for each disbursement for which a post-withdrawal return was received. It is optional to populate Disbursement Date / Amount/ Identifier Number sets for which a post withdrawal return was not received. The corresponding Return to Lender Date/Amount fields are populated (value greater than zero) only for those disbursements for which a post-withdrawal return was received.

Record dependency:



Record type 29 (Post-Withdrawal Return Reversal)










06 Source Non-ED Branch ID









Unique value assigned and used by guarantor-servicer identifying loan (See the section in Chapter 2, Field characteristics, titled Loan identifier fields).





68 2 C R If used for matching, Loan Type must equal value on recipient’s database. [018] Loan Type must be AL, CL, PL, GB, SF, SL, or SU. [257] Loan Type must be acceptable loan type on recipient’s database. [002]



70 3 C R1 If filled and used for matching, Code must equal value on recipient’s database. [018] If Loan Type is AL, Alternative Loan Program Type Code must be valid alternative loan code. [014] If Loan Type is other than AL, Alternative Loan Program Type Code must be spaces. [173]




























The disbursement date for the first, fifth, ninth, thirteenth, or seventeenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. CCYYMMDD format.



The disbursement amount for the first, fifth, ninth, thirteenth, or seventeenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan, or the only disbursement of a single-disbursement loan. 999999V99 format.


25 Filler Spaces. 155 2 C R 26 Previously

Reported Return to Lender Date

Date of previously reported post-withdrawal return to Lender. CCYYMMDD format.

157 8 N R1 If filled, Previously Reported Return to Lender Amount must equal value on recipient’s database. [009] If filled, Previously Reported Return to Lender Date must be less than or equal to As-Of Date in Record type 01. [008] If filled, Previously Reported Return to Lender Date must be greater than disbursement date being reported. [302]

27 Previously Reported Return to Lender Amount

Net previously reported post-withdrawal return to Lender Amount. 999999V99 format.

165 8 N R1 If filled, Previously Reported Return to Lender Amount must equal value on recipient’s database. [009] If filled, Previously Reported Return to Lender Amount must be less than or equal to net disbursement amount on guarantor’s database. [303]

28 Disbursement Date 2, 6, 10, 14 or 18

The disbursement date for the second, sixth, tenth, fourteenth, or eighteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. CCYYMMDD format.







The disbursement amount for the second, sixth, tenth, fourteenth, or eighteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. 999999V99 format.




Date of previously reported post-withdrawal return. CCYYMMDD format.

191 8 N R1 If filled, Previously Reported Return to Lender Date must be less than or equal to As-Of Date in Record type 01. [008] If filled, Previously Reported Return to Lender Date must be greater than disbursement date being reported. [302]


Net previously reported post-withdrawal return. 999999V99 format.



The disbursement date for the third, seventh, eleventh, fifteenth, or nineteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. CCYYMMDD format.



The disbursement amount for the third, seventh, eleventh, fifteenth, or nineteenth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. 999999V99 format.










The disbursement date for the fourth, eighth, twelfth, sixteenth, or twentieth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. CCYYMMDD format.



The disbursement amount for the fourth, eighth, twelfth, sixteenth, or twentieth, etc. (increasing in increments of four) disbursement of a multiple-disbursement loan. 999999V99 format.













43 Net Amount Disbursed to Date

Cumulative amount (net of guaranty and origination fees) disbursed to borrower to date. 999999V99 format.

275 8 N R Net Amount Disbursed to Date must be less than or equal to net amount disbursed to date on recipient’s database. [304]
















334 23 C R1






357 20 C R1



377 23 C R1





Holder/Lender Code





As of date from header record optionally filled by source in original submittal. CCYYMMDD format. .

433 8 N R1






460 20 N R


Documents

Chapter 7 Loan-Level Records - c.ymcdn.comc.ymcdn.com/sites/ · Chapter 7 Issued: 02/01/2011 Revision 1.3.3 Version: 001 Revises: 04/08/2009 Revision 1.3.0 7-1 Loan-Level Records