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The department’s own inspector general says student loan companies aren’t following the rules, and that the government isn’t doing enough to hold them accountable
The audit documents several common failures by the servicers, among them, not telling borrowers about all of their repayment options, or miscalculating what borrowers should have to pay through an income-driven repayment plan. According to the review, two loan servicing companies, Navient and the Pennsylvania Higher Education Assistance Agency, better known as FedLoan, repeatedly placed borrowers into costly forbearance without offering them other, more beneficial options.
betsy devoss paid for her appointment
A critical new report from the U.S. Department of Education’s Office of Inspector General finds the department’s student loan unit failed to adequately supervise the companies it pays to manage the nation’s trillion-dollar portfolio of federal student loans. The report also rebukes the department’s office of Federal Student Aid for rarely penalizing companies that failed to follow the rules.
Instead of safeguarding borrowers’ interests, the report says, FSA’s inconsistent oversight allowed these companies, known as loan servicers, to potentially hurt borrowers and pocket government dollars that should have been refunded because servicers weren’t meeting federal requirements.
“By not holding servicers accountable,” the report says, “FSA could give its servicers the impression that it is not concerned with servicer noncompliance with Federal loan servicing requirements, including protecting borrowers’ rights.”
Resources for High School Students Interested in Cyber Security
Summer Camps are a great introduction to cyber security.
Online Courses are the next step to growing knowledge and experience, while at the same time learn more about a potential career path.
Hackathons are the playground for testing how far you’ve come.
Many internship programs available to exact academic paths/interest. Generally speaking, cyber security degree seeking students may pursue positions at the CIA in STEM, Clandestine, Analysis, or Enterprise and Support Roles.
Must apply senior year in high school. Rigorous application process includes polygraph, mental health evaluation, financial need, background checks, high academic marks, abstinence from drugs, and more. Successful applicants will be provided a salary as well as have tuition covered up to a certain price. Successful applicants will work at the CIA in summers and continue to work for the CIA after graduation.
Meet the Terabytches: Fergus students prep for cyber security competition
‘We’re like the biggest collective knowledge in a girls’ team,’ Emily Younghans says
MOST Inexpensive Colleges With the Highest Graduation Rate
11 federal agencies help start Cybersecurity Talent Initiative
11 federal agencies help start Cybersecurity Talent Initiative
https://theintercept.com/2017/01/31/how-the-fbi-conceals-its-payments-to-confidential-sources/
A classified policy guide creates opportunities for agents to disguise payments as reimbursements or offer informants a cut of seized assets.
For the first time, we can now point to an internal government document that provides the framework for how informants are paid.
The FBI’s Confidential Human Source Policy Guide, a nearly 200-page manual classified secret and obtained by The Intercept, describes how payments to FBI informants are accounted for and authorized and how these payments can quickly become serious money.
The picture that emerges is of an approach that borrows some of the sophistication of modern banking. The bureau has devised a variety of ways to pay informants, including directly, before or after trial; via reimbursements; and through a cut of asset forfeitures.
A special agent-in-charge has the authority to pay each of his office’s informants up to $100,000 per fiscal year. However, informants may earn substantially more as long as each additional $100,000 is approved by successively higher levels within the bureau. With deputy director approval, according to the policy guide, an informant may earn more than $500,000 per year.
In addition to compensation, an informant may be eligible for 25 percent of the net value of any property forfeited as a result of the investigation, up to $500,000 per asset, according to the guide. This can be a particularly lucrative benefit for drug informants, whose cases sometimes result in the forfeiture of planes, boats, cars, and real estate.
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