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Department walks negotiators through eligibility charts showing when loans qualify for IVR, tiered standard or wrap
Summary
Department staff presented five borrower‑eligibility charts illustrating how loan type and disbursement date (pre/post 07/01/2026) determine access to legacy plans, IVR, tiered standard and wrap; negotiators flagged a typo and asked for posting guidance.
Eric Hardy of the Education Department led negotiators through five borrower‑eligibility charts meant to illustrate which loan types and disbursement dates make borrowers eligible for various repayment options.
Hardy said the charts group accepted loans (e.g., consolidated or accepted Parent PLUS) with sub/unsub loans and show how eligibility changes for loans first disbursed before versus on or after July 1, 2026. ‘‘Once you start just grouping the combination of accepted loans with nonaccepted…
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