,,ii #aaf? ,,congress #a/ ,session ,s4 #beeg ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,septemb] #bf1 #bjai,mr4 ,alex&] introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,heal?1 ,education1 ,labor1 & ,p5sions ,a ,,bill ,to am5d ! ,high] ,education ,act ( #aife to improve ! f9ancial aid process = /ud5ts1 to provide cont9u$ support = m9ority-s]v+ in/itutions1 & = o!r purposes4 #a4 ,%ort title2 ref]5ces 7a7 ,%ort title ,?is ,act may be cit$ z ! ,/ud5t ,aid ,improvem5t ,act ( #bjai4 7b7 ,ref]5ces ,except z o!rwise expressly provid$1 :5ev] 9 ?is ,act an am5dm5t or repeal is express$ 9 t]ms ( an am5dm5t to1 or repeal (1 a section or o!r provision1 ! ref]5ce %all be consid]$ to be made to a section or o!r provision ( ! ,high] ,education ,act ( #aife 7#bj ,u4,s4,c4 #ajja et seq474 #b4 ,cont9u$ support = m9ority-s]v+ in/itutions ,sec4 #cga7;b77#a77;,a7 7#bj ,u4,s4,c4 #ajfgq7b77#a77;,a77 is am5d$ by /rik+ = ea* ( ! fiscal ye>s #bjjh ?r\gh #bjai4 & all t foll[s1 & ins]t+ ! foll[+3 = fiscal ye> #bjbj & ea* fiscal ye> !reaft]44 #c4 ,mak+ x easi] to apply = ,f$]al aid & mak+ t aid pr$ictable 7a7 ,ne$ analysis 7#a7 ,9 g5]al ,section #dga 7#bj ,u4,s4,c4 #ajhgkk7 is am5d$ to read z foll[s3 #dga4 ,am\nt ( ne$ 7a7 ,9 g5]al ,except z o!rwise provid$ !re91 beg9n+ ) aw>d ye> #bjba-bjbb1 ! am\nt ( ne$ ( any /ud5t = f9ancial assi/ance "u ?is title 7except subp>t #a or #b ( "p ,a7 is equal to-- 7#a7 ! co/ ( att5dance ( su* /ud5t2 m9us 7#b7 ! /ud5t aid index 7z def9$ 9 section #dgc7 = su* /ud5t2 m9us 7#c7 o!r f9ancial assi/ance n receiv$ "u ?is title 7z def9$ 9 section #dhj7;j774 7b7 ,effective date ( *anges ,! am5dm5ts made to ?is title "u ! ,/ud5t ,aid ,improvem5t ,act ( #bjai %all take effect beg9n+ ) aw>d ye> #bjba-bjbb4 ,! am\nts provid$ "u su* am5dm5ts = aw>d ye> #bjbj-bjba %all be us$ solely z a base to det]m9e adju/m5ts = subsequ5t aw>d ye>s4 4 7#b7 ,maximum aid "u "p ,d ,section #dea 7#bj ,u4,s4,c4 #ajhg;a7 is am5d$ by add+ at ! end ! foll[+3 7c7 ,maximum aid ,! maximum doll> am\nt ( f9ancial assi/ance provid$ "u ?is "p to a /ud5t %all n exce$ ! co/ ( att5dance = su* /ud5t4 4 7b7 ,/ud5t aid index ,section #dgc 7#bj ,u4,s4,c4 #ajhgmm7 is am5d$ to read z foll[s3 #dgc4 ,/ud5t aid index 7a7 ,9 g5]al ,= ! purpose ( ?is title1 o!r ?an subp>t #a or #b ( "p ,a1 ! t]m /ud5t aid index means1 ) respect to a /ud5t1 an index t reflects an evaluation ( a /ud5t's approximate f9ancial res\rces to contribute t[>d ! /ud5t's po/second>y education = ! academic ye>1 z det]m9$ 9 accordance ) ?is "p4 7b7 ,special rule = /ud5ts eligible = ! total maximum pell grant ,! ,secret>y %all consid] an applicant to automatically h a /ud5t aid index equal to z]o if ! applicant is eligible = ! total maximum ,f$]al ,pell ,grant "u subp>t #a ( "p ,a1 except if ! applicant has a calculat$ /ud5t aid index ( less ?an z]o ! ,secret>y %all consid] ! negative numb] z ! /ud5t aid index = ! applicant4 7c7 ,special rule = nonfil]s ,= an applicant 7or1 z applicable1 an applicant & sp\se1 or an applicant's p>5ts7 n requir$ fil$ a ,f$]al tax return = ! applicable tax ye>1 ! ,secret>y %all = ! purposes ( ?is title consid] ! /ud5t aid index z equal to #a1ejj = ! applicant4 7d7 ,special rule = recipi5ts ( means-,te/$ b5efits ,= an applicant 7includ+ ! /ud5t1 ! /ud5t's p>5t1 or ! /ud5t's sp\se1 z applicable7 :o at any "t dur+ ! previ\s #bd-mon? p]iod 0 a recipi5t ( a means-te/$ ,f$]al b5efit program1 ! ,secret>y %all consid] an applicant to automatically h a /ud5t aid index equal to z]o1 except if ! applicant has a calculat$ /ud5t aid index ( less ?an z]o ! ,secret>y %all consid] ! negative numb] z ! /ud5t aid index = ! applicant4 7e7 ,means-,te/$ ,f$]al b5efit program ,9 ?is section1 ! t]m means-te/$ ,f$]al b5efit program means any ( ! foll[+3 7#a7 ,! supplem5tal security income program "u title ,,xvi ( ! ,social ,security ,act 7#db ,u4,s4,c4 #acha et seq474 7#b7 ,! supplem5tal nutrition assi/ance program "u ! ,food & ,nutrition ,act ( #bjjh 7#g ,u4,s4,c4 #bjaa et seq474 7#c7 ,! program ( block grants = ,/ates = tempor>y assi/ance = ne$y families e/abli%$ "u "p ,a ( title ,,iv ( ! ,social ,security ,act 7#db ,u4,s4,c4 #fja et seq474 7#d7 ,! special supplem5tal nutrition program = wom51 infants1 & *ildr5 e/abli%$ by section #ag ( ! ,*ild ,nutrition ,act ( #aiff 7#db ,u4,s4,c4 #aghf74 7#e7 ,! ,m$icaid program "u title ,,xix ( ! ,social ,security ,act 7#db ,u4,s4,c4 #acif et seq474 4 7c7 ,det]m9ation ( /ud5t aid index ,section #dgd 7#bj ,u4,s4,c4 #ajhgnn7 is am5d$ to read z foll[s3 #dgd4 ,det]m9ation ( /ud5t aid index ,! /ud5t aid index-- 7#a7 = a dep5d5t /ud5t %all be det]m9$ 9 accordance ) section #dge2 7#b7 = a s+le indep5d5t /ud5t or a m>ri$ indep5d5t /ud5t )\t dep5d5ts 7o!r ?an a sp\se7 %all be det]m9$ 9 accordance ) section #dgf2 & 7#c7 = an indep5d5t /ud5t ) dep5d5ts o!r ?an a sp\se %all be det]m9$ 9 accordance ) section #dgg4 4 7d7 ,/ud5t aid index = dep5d5t /ud5ts ,section #dge 7#bj ,u4,s4,c4 #ajhgoo7 is am5d$ to read z foll[s3 #dge4 ,/ud5t aid index = dep5d5t /ud5ts 7a7 ,computation ( /ud5t aid index 7#a7 ,9 g5]al ,= ea* dep5d5t /ud5t1 ! /ud5t aid index is equal to 7except z provid$ 9 p>agraph 7#b77 ! sum (-- 7,a7 ! assessm5t ( ! p>5ts' adju/$ available income 7det]m9$ 9 accordance ) subsection 7b772 7,b7 ! assessm5t ( ! /ud5t's available income 7det]m9$ 9 accordance ) subsection 7g772 & 7,c7 ! /ud5t's available assets 7det]m9$ 9 accordance ) subsection 7h774 7#b7 ,exception ,if ! sum ( p>agraphs 7#a71 7#b71 & 7#c7 ) respect to a dep5d5t /ud5t is less ?an #a1ejj1 ! /ud5t aid index = ! dep5d5t /ud5t %all be #a1ejj4 7b7 ,assessm5t ( p>5ts' adju/$ available income ,! assessm5t ( p>5ts' adju/$ available income is equal to ! am\nt det]m9$ by-- 7#a7 comput+ adju/$ available income by add+-- 7,a7 ! p>5ts' available income 7det]m9$ 9 accordance ) subsection 7c772 & 7,b7 ! p>5ts' available assets 7det]m9$ 9 accordance ) subsection 7d772 7#b7 assess+ su* adju/$ available income 9 accordance ) ! assessm5t s*$ule set =? 9 subsection 7e72 & 7#c7 consid]+ su* assessm5t result+ "u p>agraph 7#b7 z ! am\nt det]m9$ "u ?is subsection4 7c7 ,p>5ts' available income 7#a7 ,9 g5]al ,! p>5ts' available income is det]m9$ by subtract+ f total income 7z def9$ 9 section #dhj7-- 7,a7 ,f$]al income taxes2 7,b7 an all[ance = payroll taxes1 det]m9$ 9 accordance ) p>agraph 7#b72 7,c7 an income protection all[ance1 det]m9$ 9 accordance ) p>agraph 7#c72 & 7,d7 an employm5t exp5se all[ance1 det]m9$ 9 accordance ) p>agraph 7#d74 7#b7 ,all[ance = payroll taxes ,! all[ance = payroll taxes is equal to ! sum (-- 7,a7 ! total am\nt e>n$ by ! p>5ts1 multipli$ by ! rate ( tax "u section #caja7;b7 ( ! ,int]nal ,rev5ue ,code ( #aihf2 & 7,b7 ! am\nt e>n$ by ! p>5ts t does n exce$ su* contribution & b5efit base 7twice su* contribution & b5efit base1 9 ! case ( a jo9t return7 = ! ye> ( ! e>n+s1 multipli$ by ! rate ( tax applicable to su* e>n+s "u section #caja7;a7 ( su* ,code4 7#c7 ,income protection all[ance ,! income protection all[ance = aw>d ye> #bjbj-bjba & ea* succe$+ aw>d ye> %all equal ! am\nt det]m9$ 9 ! foll[+ table1 z adju/$ by ! ,secret>y pursuant to section #dgh7;b73 ,income ,protection ,all[ance #bjbj-bjba 7to be adju/$ = #bjba-bjbb & succe$+ ye>s7,family ,size 7includ+ /ud5t7,am\nt#bai1jhjcbc1gfjdbi1cdjecd1fb jfdj1dij;,= ea* additional add#d1gej4 7#d7 ,employm5t exp5se all[ance ,! employm5t exp5se all[ance is equal to ! less] ( #d1jjj or #ce p]c5t ( ! s+le p>5t's e>n$ income or m>ri$ p>5ts' comb9$ e>n$ income 7or is equal to a successor am\nt z adju/$ by ! ,secret>y pursuant to section #dgh7;g774 7d7 ,p>5ts' available assets 7#a7 ,9 g5]al 7,a7 ,det]m9ation ,except z provid$ 9 subp>agraph 7,b71 ! p>5ts' available assets are equal to-- 7i7 ! diff]5ce betwe5 ! p>5ts' net assets & ! education sav+s & asset protection all[ance 7det]m9$ 9 accordance ) p>agraph 7#b772 multipli$ by 7ii7 #ab p]c5t4 7,b7 ,n less ?an z]o ,p>5ts' available assets "u ?is subsection %all n be less ?an z]o4 7#b7 ,education sav+s & asset protection all[ance ,! education sav+s & asset protection all[ance is calculat$ accord+ to ! foll[+ table 7or a successor table prescrib$ by ! ,secret>y "u section #dgh7;d773 ,education ,sav+s & ,asset ,protection ,all[ances = ,p>5ts ( ,dep5d5t ,/ud5ts ,if ! age ( ! olde/ p>5t is--,& !re aretwo p>5tsone p>5t!n ! all[ance is--#be or less#jjbfcjjajjbggjjbjjbha1jjjcjjbia1cjj ejjcja1fjjfjjcab1jjjgjjcbb1cjjhjjccb1fjj ijjcdb1ijja1jjjcec1cjja1ajjcfc1fjja1bjjc gc1ijja1cjjchd1bjja1ejjcid1fjja1fjjdjd1i jja1gjjdae1ajja1gjjdbe1bjja1gjjdce1cjja1 hjjdde1djja1hjjdee1ejja1ijjdfe1gjja1ijjd ge1hjja1ijjdhf1jjjb1jjjdif1ajjb1jjjejf1c jjb1ajjeaf1djjb1ajjebf1fjjb1bjjecf1hjjb1 bjjedf1ijjb1cjjeeg1ajjb1cjjefg1cjjb1djje gg1ejjb1ejjehg1gjjb1ejjeig1ijjb1fjjfjh1b jjb1gjjfah1djjb1gjjfbh1fjjb1hjjfch1ijjb1 ijjfdi1bjjb1ijjfe or m#i1djjc1jjj4 7e7 ,assessm5t s*$ule ,! assessm5t ( ! p>5ts' adju/$ available income 7z det]m9$ "u subsection 7b77#a7 & h]eaft] 9 ?is subsection ref]r$ to z ,,aai7 is calculat$ accord+ to ! foll[+ table 7or a successor table prescrib$ by ! ,secret>y "u section #dgh7;e773 ,p>5ts' ,contribution ,f ,a,a,i,if ! p>5ts' ,,aai is--,!n ! p>5ts' contribution f ,,aai is--,less ?an -#f1hbj-a1ejj-f1hbj to #ag1jjjbb ( ,,aai#ag1jja to #ba1djjc1gdj #be ( ,,aai ov] #ag1jjjba1dja to #be1gjjd1hdj #bi ( ,,aai ov] #ba1djjbe1gja to #cj1ajjf1jhg #cd ( ,,aai ov] #be1gjjcj1aja to #cd1ejjg1ehc #dj ( ,,aai ov] #cj1ajjcd1eja or m#i1cdc #dg ( ,,aai ov] #cd1ejj4 7f7 ,consid]ation ( p>5tal income 7#a7 ,m>ri$ p>5ts ,p>5tal income & assets 9 ! case ( /ud5t ^: p>5ts are m>ri$ & n sep>at$ %all include ! income & assets ( bo? p>5ts4 7#b7 ,divorc$ or sep>at$ p>5ts ,p>5tal income & assets = a /ud5t ^: p>5ts are divorc$ or sep>at$1 b n rem>ri$1 is det]m9$3 7,a7 ,by includ+ only ! income & assets ( ! p>5t ) :om ! /ud5t resid$ = ! great] portion ( ! #ab-mon? p]iod prec$+ ! date ( ! application4 7,b7 ,if ! prec$+ crit]ion does n apply1 include only ! income & assets ( ! p>5t :o provid$ ! great] portion ( ! /ud5t's support = ! #ab-mon? p]iod prec$+ ! date ( application4 7,c7 ,if nei!r ( ! prec$+ crit]ia apply1 include only ! income & assets ( ! p>5t :o provid$ ! great] support dur+ ! mo/ rec5t cal5d> ye> = :i* p>5tal support 0 provid$4 7#c7 ,dea? ( a p>5t ,p>5tal income & assets 9 ! case ( ! dea? ( any p>5t is det]m9$ z foll[s3 7,a7 ,if ei!r ( ! p>5ts has di$1 ! surviv+ p>5t %all be consid]$ a s+le p>5t1 until t p>5t has rem>ri$4 7,b7 ,if bo? p>5ts h di$1 ! /ud5t %all n report any p>5tal income or assets4 7#d7 ,rem>ri$ p>5ts ,if a p>5t ^: income & assets are tak5 into acc\nt "u p>agraph 7#b71 or if a p>5t :o is a wid[ or wid[] & ^: income is tak5 into acc\nt "u p>agraph 7#c71 has rem>ri$1 ! income ( t p>5t's sp\se %all be includ$ 9 det]m9+ ! p>5t's assessm5t ( adju/$ available income if ! /ud5t's p>5t & ! /epp>5t are m>ri$ z ( ! date ( application = ! aw>d ye> conc]n$4 7#e7 ,s+le p>5t :o is n divorc$ or sep>at$ ,p>5tal income & assets 9 ! case ( a /ud5t ^: p>5t is a s+le p>5t b :o is n divorc$1 sep>at$1 or rem>ri$1 %all include ! income & assets ( su* s+le p>5t4 7g7 ,/ud5t's available income 7#a7 ,9 g5]al ,! /ud5t's available income is equal to-- 7,a7 ! diff]5ce betwe5 ! /ud5t's total income 7det]m9$ 9 accordance ) section #dhj7 & ! adju/m5t to /ud5t income 7det]m9$ 9 accordance ) p>agraph 7#b772 multipli$ by 7,b7 #ej p]c5t4 7#b7 ,adju/m5t to /ud5t income ,! adju/m5t to /ud5t income is equal to ! sum (-- 7,a7 ! ,f$]al income taxes ( ! /ud5t2 7,b7 an all[ance = payroll taxes det]m9$ 9 accordance ) p>agraph 7#c72 7,c7 an income protection all[ance t is equal to-- 7i7 #i1aaj = aw>d ye> #bjbj-bjba2 & 7ii7 = ea* succe$+ aw>d ye>1 ! am\nt adju/$ pursuant to section #dgh7;b72 & 7,d7 an all[ance = p>5ts' negative available income1 det]m9$ 9 accordance ) p>agraph 7#d74 7#c7 ,all[ance = payroll taxes ,! all[ance = payroll taxes is equal to ! sum (-- 7,a7 ! total am\nt e>n$ by ! /ud5t1 multipli$ by ! rate ( tax "u section #caja7;b7 ( ! ,int]nal ,rev5ue ,code ( #aihf2 & 7,b7 ! am\nt e>n$ by ! /ud5t t does n exce$ su* contribution & b5efit base = ! ye> ( ! e>n+s1 multipli$ by ! rate ( tax applicable to su* e>n+s "u section #caja7;a7 ( su* ,code4 7#d7 ,all[ance = p>5ts' negative available income ,! all[ance = p>5ts' negative available income is ! am\nt1 if any1 by :i* ! sum ( ! am\nts d$uct$ "u subp>agraphs 7,a7 ?r\gh 7,d7 ( subsection 7c77#a7 exce$s ! sum ( ! p>5ts' total income 7z def9$ 9 section #dhj7 & ! p>5ts' available assets 7z det]m9$ 9 accordance ) subsection 7d774 7h7 ,/ud5t's assets ,! /ud5t's assets are det]m9$ by calculat+ ! net assets ( ! /ud5t & multiply+ su* am\nt by #bj p]c5t1 except t ! result %all n be less ?an z]o4 4 7e7 ,/ud5t aid index = indep5d5t /ud5ts )\t dep5d5ts o!r ?an a sp\se ,section #dgf 7#bj ,u4,s4,c4 #ajhgpp7 is am5d$ to read z foll[s3 #dgf4 ,/ud5t aid index = indep5d5t /ud5ts )\t dep5d5ts o!r ?an a sp\se 7a7 ,computation ( /ud5t aid index 7#a7 ,9 g5]al ,= ea* indep5d5t /ud5t )\t dep5d5ts o!r ?an a sp\se1 ! /ud5t aid index is equal to 7except z provid$ 9 p>agraph 7#b77 ! sum (-- 7,a7 ! family's available income 7det]m9$ 9 accordance ) subsection 7b772 & 7,b7 ! family's available assets 7det]m9$ 9 accordance ) subsection 7c774 7#b7 ,exception ,if ! sum ( p>agraphs 7#a7 & 7#b7 ) respect to a indep5d5t /ud5t )\t dep5d5ts o!r ?an a sp\se is less ?an #a1ejj1 ! /ud5t aid index = ! indep5d5t /ud5t %all be #a1ejj4 7b7 ,family's available income 7#a7 ,9 g5]al ,! family's available income is det]m9$ by-- 7,a7 d$uct+ f total income 7z def9$ 9 section #dhj7-- 7i7 ,f$]al income taxes2 7ii7 an all[ance = payroll taxes1 det]m9$ 9 accordance ) p>agraph 7#b72 7iii7 an income protection all[ance t is equal to-- 7,i7 9 ! case ( a s+le indep5d5t /ud5t )\t dep5d5ts-- 7aa7 #ad1aij = aw>d ye> #bjbj-bjba2 & 7bb7 = ea* succe$+ aw>d ye>1 ! am\nt adju/$ pursuant to section #dgh7;b72 & 7,,ii7 9 ! case ( a m>ri$ indep5d5t /ud5t )\t dep5d5ts-- 7aa7 #bb1gej = aw>d ye> #bjbj-bjba2 & 7bb7 = ea* succe$+ aw>d ye>1 ! am\nt adju/$ pursuant to section #dgh7;b72 & 7iv7 9 ! case ( a m>ri$ indep5d5t /ud5t1 an employm5t exp5se all[ance1 z det]m9$ 9 accordance ) p>agraph 7#c72 & 7,b7 multiply+ ! am\nt det]m9$ "u subp>agraph 7,a7 by #ej p]c5t4 7#b7 ,all[ance = payroll taxes ,! all[ance = payroll taxes is equal to ! sum (-- 7,a7 ! total am\nt e>n$ by ! /ud5t 7& sp\se1 if appropriate71 multipli$ by ! rate ( tax "u section #caja7;b7 ( ! ,int]nal ,rev5ue ,code ( #aihf2 & 7,b7 ! am\nt e>n$ by ! /ud5t 7& sp\se1 if appropriate7 t does n exce$ su* contribution & b5efit base 7twice su* contribution & b5efit base1 9 ! case ( a jo9t return7 = ! ye> ( ! e>n+s1 multipli$ by ! rate ( tax applicable to su* e>n+s "u section #caja7;a7 ( su* ,code4 7#c7 ,employm5t exp5ses all[ance ,! employm5t exp5se all[ance is equal to ! foll[+3 7,a7 ,if ! /ud5t is m>ri$1 su* all[ance is equal to ! less] ( #d1jjj or #ce p]c5t ( ! c\ple's comb9$ e>n$ income 7or is equal to a successor am\nt z adju/$ by ! ,secret>y pursuant to section #dgh7;g774 7,b7 ,if ! /ud5t is n m>ri$1 ! employm5t exp5se all[ance is z]o4 7c7 ,family's available assets 7#a7 ,9 g5]al 7,a7 ,det]m9ation ,except z provid$ 9 subp>agraph 7,b71 ! family's available assets are equal to-- 7i7 ! diff]5ce betwe5 ! family's assets 7z def9$ 9 section #dhj7;f77 & ! asset protection all[ance 7det]m9$ 9 accordance ) p>agraph 7#b772 multipli$ by 7ii7 #bj p]c5t4 7,b7 ,n less ?an z]o ,family's available assets "u ?is subsection %all n be less ?an z]o4 7#b7 ,asset protection all[ance ,! asset protection all[ance is calculat$ accord+ to ! foll[+ table 7or a successor table prescrib$ by ! ,secret>y "u section #dgh7;d773 ,asset ,protection ,all[ances = ,families & ,/ud5ts ,if ! age ( ! /ud5t is--,& ! /ud5t ism>ri$s+le!n ! all[ance is--#be or less#jjbfcjjajjbggjjbjjbha1jjjcjjbia1cjj ejjcja1fjjfjjcab1jjjgjjcbb1cjjhjjccb1fjj ijjcdb1ijja1jjjcec1cjja1ajjcfc1fjja1bjjc gc1ijja1djjchd1bjja1ejjcid1fjja1fjjdjd1i jja1gjjdae1ajja1gjjdbe1bjja1gjjdce1cjja1 hjjdde1djja1hjjdee1ejja1ijjdfe1gjja1ijjd ge1hjja1ijjdhf1jjjb1jjjdif1ajjb1jjjejf1c jjb1ajjeaf1djjb1ajjebf1fjjb1bjjecf1hjjb1 bjjedf1ijjb1cjjeeg1ajjb1cjjefg1cjjb1djje gg1ejjb1ejjehg1gjjb1ejjeig1ijjb1fjjfjh1b jjb1gjjfah1djjb1gjjfbh1fjjb1hjjfch1ijjb1 ijjfdi1bjjb1ijjfe or m#i1djjc1jjj4 7d7 ,computations 9 case ( sep>ation1 divorce1 or dea? ,9 ! case ( a /ud5t :o is divorc$ or sep>at$1 or ^: sp\se has di$1 ! sp\se's income & assets %all n be consid]$ 9 det]m9+ ! family's available income or assets4 4 7f7 ,/ud5t aid index = indep5d5t /ud5ts ) dep5d5ts o!r ?an a sp\se ,section #dgg 7#bj ,u4,s4,c4 #ajhgqq7 is am5d$ to read z foll[s3 #dgg4 ,/ud5t aid index = indep5d5t /ud5ts ) dep5d5ts o!r ?an a sp\se 7a7 ,computation ( /ud5t aid index ,= ea* indep5d5t /ud5t ) dep5d5ts o!r ?an a sp\se1 ! /ud5t aid index is equal to ! am\nt det]m9$ by-- 7#a7 comput+ adju/$ available income by add+-- 7,a7 ! family's available income 7det]m9$ 9 accordance ) subsection 7b772 & 7,b7 ! family's available assets 7det]m9$ 9 accordance ) subsection 7c772 7#b7 assess+ su* adju/$ available income 9 accordance ) an assessm5t s*$ule set =? 9 subsection 7d72 & 7#c7 consid]+ su* assessm5t result+ "u p>agraph 7#b7 z ! am\nt det]m9$ "u ?is subsection4 7b7 ,family's available income 7#a7 ,9 g5]al ,! family's available income is det]m9$ by d$uct+ f total income 7z def9$ 9 section #dhj7-- 7,a7 ,f$]al income taxes2 7,b7 an all[ance = payroll taxes1 det]m9$ 9 accordance ) p>agraph 7#b72 7,c7 an income protection all[ance1 det]m9$ 9 accordance ) p>agraph 7#c72 & 7,d7 an employm5t exp5se all[ance1 det]m9$ 9 accordance ) p>agraph 7#d74 7#b7 ,all[ance = payroll taxes ,! all[ance = payroll taxes is equal to ! sum (-- 7,a7 ! am\nt e>n$ by ! /ud5t 7& sp\se1 if appropriate71 multipli$ by ! rate ( tax "u section #caja7;b7 ( ! ,int]nal ,rev5ue ,code ( #aihf2 & 7,b7 ! am\nt e>n$ by ! /ud5t 7& sp\se1 if appropriate7 t does n exce$ su* contribution & b5efit base 7twice su* contribution & b5efit base1 9 ! case ( a jo9t return7 = ! ye> ( ! e>n+s1 multipli$ by ! rate ( tax applicable to su* e>n+s "u section #caja7;a7 ( su* ,code4 7#c7 ,income protection all[ance ,! income protection all[ance = aw>d ye> #bjbj-bjba & ea* succe$+ aw>d ye> %all equal ! am\nt det]m9$ 9 ! foll[+ table1 z adju/$ by ! ,secret>y pursuant to section #dgh7;b73 7,a7 ,9 ! case ( a m>ri$ indep5d5t /ud5t ) dep5d5ts3 ,income ,protection ,all[ance #bjbj-bjba 7to be adju/$ = #bjba-bjbb & succe$+ ye>s7,family ,size 7includ+ /ud5t7,am\nt#cdd1dgjdee1bfjefe1aijfgf1bc j;,= ea* additional add#h1faj4 7,b7 ,9 ! case ( a s+le indep5d5t /ud5t ) dep5d5ts3 ,income ,protection ,all[ance #bjbj-bjba 7to be adju/$ = #bjba-bjbb & succe$+ ye>s7,family ,size 7includ+ /ud5t7,am\nt#bdc1abhced1cfddff1cabegh1bb hfia1dgf;,= ea* additional add#aj1ccb4 7#d7 ,employm5t exp5se all[ance ,! employm5t exp5se all[ance is equal to ! less] ( #d1jjj or #ce p]c5t ( ! /ud5t's e>n$ income or ! comb9$ e>n$ income ( ! /ud5t & ! /ud5t's sp\se 7or is equal to a successor am\nt z adju/$ by ! ,secret>y "u section #dgh7;g774 7c7 ,family's available assets 7#a7 ,9 g5]al 7,a7 ,det]m9ation ,except z provid$ 9 subp>agraph 7,b71 ! family's available assets are equal to-- 7i7 ! diff]5ce betwe5 ! family's assets 7z def9$ 9 #dhj7;f77 & ! asset protection all[ance 7det]m9$ 9 accordance ) p>agraph 7#b772 multipli$ by 7ii7 #g p]c5t4 7,b7 ,n less ?an z]o ,family's available assets "u ?is subsection %all n be less ?an z]o4 7#b7 ,asset protection all[ance ,! asset protection all[ance is calculat$ accord+ to ! foll[+ table 7or a successor table prescrib$ by ! ,secret>y "u section #dgh7;d773 ,asset ,protection ,all[ances = ,families & ,/ud5ts ,if ! age ( ! /ud5t is--,& ! /ud5t ism>ri$s+le!n ! all[ance is--#be or less#jjbfcjjajjbggjjbjjbha1jjjcjjbia1cjj ejjcja1fjjfjjcab1jjjgjjcbb1cjjhjjccb1fjj ijjcdb1ijja1jjjcec1cjja1ajjcfc1fjja1bjjc gc1ijja1djjchd1bjja1ejjcid1fjja1fjjdjd1i jja1gjjdae1ajja1gjjdbe1bjja1gjjdce1cjja1 hjjdde1djja1hjjdee1ejja1ijjdfe1gjja1ijjd ge1hjja1ijjdhf1jjjb1jjjdif1ajjb1jjjejf1c jjb1ajjeaf1djjb1ajjebf1fjjb1bjjecf1hjjb1 bjjedf1ijjb1cjjeeg1ajjb1cjjefg1cjjb1djje gg1ejjb1ejjehg1gjjb1ejjeig1ijjb1fjjfjh1b jjb1gjjfah1djjb1gjjfbh1fjjb1hjjfch1ijjb1 ijjfdi1bjjb1ijjfe or m#i1djjc1jjj4 7d7 ,assessm5t s*$ule ,! assessm5t ( adju/$ available income 7z det]m9$ "u subsection 7a77#a7 & h]eaft] 9 ?is subsection ref]r$ to z ,,aai7 is calculat$ accord+ to ! foll[+ table 7or a successor table prescrib$ by ! ,secret>y pursuant to section #dgh7;e773 ,assessm5t ,f ,adju/$ ,available ,income,if ,,aai is--,!n ! assessm5t is--,less ?an -#f1hbj-a1ejj-f1hbj to #ag1jjjbb ( ,,aai#ag1jja to #ba1djjc1gdj #be ( ,,aai ov] #ag1jjjba1dja to #be1gjjd1hdj #bi ( ,,aai ov] #ba1djjbe1gja to #cj1ajjf1jhg #cd ( ,,aai ov] #be1gjjcj1aja to #cd1ejjg1ehc #dj ( ,,aai ov] #cj1ajjcd1eja or m#i1cdc #dg ( ,,aai ov] #cd1ejj4 7e7 ,computations 9 case ( sep>ation1 divorce1 or dea? ,9 ! case ( a /ud5t :o is divorc$ or sep>at$1 or ^: sp\se has di$1 ! sp\se's income & assets %all n be consid]$ 9 det]m9+ ! family's available income or assets4 4 7g7 ,regulations2 updat$ tables ,section #dgh 7#bj ,u4,s4,c4 #ajhgrr7 is am5d$ to read z foll[s3 #dgh4 ,regulations2 updat$ tables 7a7 ,au?ority ,to prescribe regulations re/rict$ 7#a7 ,9 g5]al ,not)/&+ any o!r provision ( law1 ! ,secret>y %all n h ! au?ority to prescribe regulations to c>ry out ?is "p except-- 7,a7 to prescribe updat$ tables 9 accordance ) subsections 7b7 ?r\gh 7g72 7,b7 to propose modifications 9 ! ne$ analysis me?odology requir$ by ?is "p2 or 7,c7 ) respect to ! def9ition ( co/ ( att5dance "u section #dgb4 7#b7 ,notification & approval ,any regulation propos$ by ! ,secret>y t updates tables 9 a mann] t does n comply ) subsections 7b7 ?r\gh 7g71 or t proposes modifications "u p>agraph 7#a77;,b71 %all n be effective unless subject to notification & approval by ! au?oriz+ committees n less ?an #ij days be=e su* regulation is publi%$ 9 ! ,f$]al ,regi/] 9 accordance ) section #dhb4 7b7 ,income protection all[ance adju/m5ts ,= aw>d ye> #bjba-bjbb & ea* succe$+ aw>d ye>1 ! ,secret>y %all publi% 9 ! ,f$]al ,regi/] revis$ income protection all[ances = ! purposes ( subsections 7c77#c7 & 7g77#b77;,c7 ( section #dge1 subclauses 7,i7 & 7,,ii7 ( section #dgf7;b77#a77;,a77iii71 & section #dgg7;b77#c71 by increas+ ! income protection all[ances 9 ea* ( su* provisions1 by a p]c5tage equal to ! p]c5tage increase 9 ! ,consum] ,price ,index1 z def9$ 9 subsection 7f71 betwe5 ,april #bjai & ! ,april prior to ! beg9n+ ( ! aw>d ye> & r\nd+ ! result to ! ne>e/ #aj4 7c7 ,adju/$ net wor? ( a f>m or bus9ess 7#a7 ,table ,! table ( ! net wor? ( a bus9ess or f>m 7h]eaft] 9 ?is subsection ref]r$ to z ,,nw7 = purposes ( mak+ det]m9ations ( assets z def9$ "u section #dhj7;f7 = aw>d ye> #bjbj-bjba is ! foll[+3 ,bus9ess_/,f>m ,net ,wor? ,adjustment,if ! net wor? ( a bus9ess or f>m is--,!n ! adju/$ net wor? is--,less ?an #aja to #ace1jjjdj ( net wor? ( bus9ess_/f>m#ace1jja to #daj1jjjed1jjj #ej ( net wor? ov] #ace1jjjdaj1jja to #fhj1jjjaia1ejj #fj ( net wor? ov] #daj1jjjfhj1jja or m#cec1ejj #ajj ( net wor? ov] #fhj1jjj4 7#b7 ,revis$ tables ,= ea* aw>d ye> aft] aw>d ye> #bjbj-bjba1 ! ,secret>y %all publi% 9 ! ,f$]al ,regi/] a revis$ table ( adju/$ net wor? ( a f>m or bus9ess = purposes ( section #dhj7;f74 ,su* revis$ table %all be develop$-- 7,a7 by increas+ ea* doll> am\nt t ref]s to net wor? ( a f>m or bus9ess by a p]c5tage equal to ! p]c5tage increase 9 ! ,consum] ,price ,index betwe5 ,april #bjai & ! ,april prior to ! beg9n+ ( su* aw>d ye>1 & r\nd+ ! result to ! ne>e/ #e1jjj2 & 7,b7 by adju/+ ! doll> am\nts 9 ! column ref]r+ ! adju/$ net wor? to reflect ! *anges made pursuant to subp>agraph 7,a74 7d7 ,education sav+s & asset protection all[ance ,= ea* aw>d ye> aft] aw>d ye> #bjbj-bjba1 ! ,secret>y %all publi% 9 ! ,f$]al ,regi/] a revis$ table ( all[ances = ! purpose ( sections #dge7;d77#b71 #dgf7;c77#b71 & #dgg7;c77#b74 ,su* revis$ table %all be develop$ by det]m9+ ! pres5t value co/1 r\nd$ to ! ne>e/ #ajj1 ( an annuity t w\ld provide1 = ea* age cohort ( #dj & above1 a supplem5tal income at age #fe 7adju/$ = inflation7 equal to ! diff]5ce betwe5 ! mod]ate family income 7z mo/ rec5tly det]m9$ by ! ,bureau ( ,labor ,/ati/ics71 & ! curr5t av]age social security retirem5t b5efits4 ,= ea* age cohort bel[ #dj1 ! all[ance %all be comput$ by decreas+ ! all[ance = age #dj1 z updat$1 by "o-fifte5? = ea* ye> ( age bel[ age #dj & r\nd+ ! result to ! ne>e/ #ajj4 ,9 mak+ su* det]m9ations-- 7#a7 inflation %all be presum$ to be #f p]c5t p] ye>2 7#b7 ! rate ( return ( an annuity %all be presum$ to be #h p]c5t2 & 7#c7 ! sales commission on an annuity %all be presum$ to be #f p]c5t4 7e7 ,assessm5t s*$ules & rates ,= ea* aw>d ye> aft] aw>d ye> #bjbj-bjba1 ! ,secret>y %all publi% 9 ! ,f$]al ,regi/] a revis$ table ( assessm5ts f adju/$ available income = ! purpose ( sections #dge7;e7 & #dgg7;d74 ,su* revis$ table %all be develop$-- 7#a7 by increas+ ea* doll> am\nt t ref]s to adju/$ available income by a p]c5tage equal to ! p]c5tage increase 9 ! ,consum] ,price ,index betwe5 ,april #bjai & ! ,april prior to ! beg9n+ ( su* academic ye>1 r\nd$ to ! ne>e/ #ajj2 & 7#b7 by adju/+ ! o!r doll> am\nts to reflect ! *anges made pursuant to p>agraph 7#a74 7f7 ,consum] ,price ,index def9$ ,9 ?is section1 ! t]m ,consum] ,price ,index means ! ,consum] ,price ,index = ,all ,urban ,consum]s publi%$ by ! ,dep>tm5t ( ,labor4 ,ea* annual update ( tables to reflect *anges 9 ! ,consum] ,price ,index %all be correct$ = mise/imation ( actual *anges 9 su* ,index 9 previ\s ye>s4 7g7 ,employm5t exp5se all[ance ,= ea* aw>d ye> aft] aw>d ye> #bjbj-bjba1 ! ,secret>y %all publi% 9 ! ,f$]al ,regi/] a revis$ table ( employm5t exp5se all[ances = ! purpose ( sections #dge7;c77#d71 #dgf7;b77#c71 & #dgg7;b77#d74 ,su* revis$ table %all be develop$ by increas+ ! doll> am\nt specifi$ 9 sections #dge7;c77#d71 #dgf7;b77#c71 & #dgg7;b77#d7 to reflect ! inflation>y adju/m5t t is us$ = ! income protection all[ances 9 subsection 7b74 4 7h7 ,applicants exempt f asset report+ ,section #dgi 7#bj ,u4,s4,c4 #ajhgss7 is am5d$ to read z foll[s3 #dgi4 ,applicants exempt f asset report+ 7a7 ,9 g5]al ,not)/&+ any o!r provision ( law1 ?is section %all be effective = ea* individual seek+ to apply = ,f$]al f9ancial aid "u ?is title1 z "p ( ! simplifi$ application = ,f$]al /ud5t f9ancial aid "u section #dhc4 7b7 ,applicants exempt f asset report+ 7#a7 ,9 g5]al ,except z provid$ 9 p>agraph 7#c71 9 c>ry+ out section #dhc1 ! ,secret>y %all n use asset in=mation f an eligible applicant or1 z applicable1 ! p>5t or sp\se ( an eligible applicant4 7#b7 ,eligible applicants ,9 ?is subsection1 ! t]m eligible applicant means an applicant :o meets at lea/ "o ( ! foll[+ crit]ia3 7,a7 ,is an applicant :o qualifies = an automatic z]o /ud5t aid index or automatic negative /ud5t aid index "u subsection 7b71 7c7 or 7d7 ( section #dgc4 7,b7 ,is an applicant :o is a dep5d5t /ud5t & ! /ud5t's p>5ts h a total adju/$ gross income 7exclud+ any income ( ! dep5d5t /ud5t7 t is less ?an #ge1jjj & d n file a ,s*$ule ,a1 ,b1 ,d1 ,e1 ,f1 or ,h 7or equival5t successor s*$ules71 ) ! ,f$]al income tax return = ! second prec$+ tax ye>1 &-- 7i7 d n file a ,s*$ule ,c 7or ! equival5t successor s*$ule7 ) ! ,f$]al income tax return = ! second prec$+ tax ye>2 or 7ii7 file a ,s*$ule ,c 7or ! equival5t successor s*$ule7 ) net bus9ess income ( n m ?an a #aj1jjj loss or ga9 ) ! ,f$]al income tax return = ! second prec$+ tax ye>4 7,c7 ,is an applicant :o is an indep5d5t /ud5t & ! /ud5t 7& includ+ ! /ud5t's sp\se1 if any7 has a total adju/$ gross income t is less ?an #ge1jjj & does n file a ,s*$ule ,a1 ,b1 ,c1 ,d1 ,e1 ,f1 or ,h 7or equival5t successor s*$ules71 ) ! ,f$]al income tax return = ! second prec$+ tax ye>1 &-- 7i7 does n file a ,s*$ule ,c 7or ! equival5t successor s*$ule7 ) ! ,f$]al income tax return = ! second prec$+ tax ye>2 or 7ii7 files a ,s*$ule ,c 7or ! equival5t successor s*$ule7 ) net bus9ess income ( n m ?an a #aj1jjj loss or ga9 ) ! ,f$]al income tax return = ! second prec$+ tax ye>4 7#c7 ,special rule ,an eligible applicant %all n be exempt f asset report+ "u ?is section if ! applicant is a dep5d5t /ud5t & ! /ud5ts' p>5ts d n-- 7,a7 reside 9 ! ,unit$ ,/ates or a ,unit$ ,/ates t]ritory2 or 7,b7 file taxes 9 ! ,unit$ ,/ates or a ,unit$ ,/ates t]ritory1 except if su* nonfil+ is due to n be+ requir$ to file a ,f$]al tax return = ! applicable tax ye> due to a l[ income4 4 7i7 ,discretion ( /ud5t f9ancial aid adm9i/rators ,section #dgi;,a 7#bj ,u4,s4,c4 #ajhgtt7 is am5d$ to read z foll[s3 #dgi;,a4 ,discretion ( /ud5t f9ancial aid adm9i/rators 7a7 ,au?ority ( f9ancial aid adm9i/rator 7#a7 ,g5]al au?ority ,a f9ancial aid adm9i/rator %all h ! au?ority to1 on ! basis ( docum5tation1 make adju/m5ts on a case-by-case basis to ! co/ ( att5dance or ! values ( ! data us$ to calculate ! /ud5t aid index or ,f$]al ,pell ,grant aw>d 7or bo?7 = an individual eligible applicant ) special circum/ances4 ,9 mak+ adju/m5ts describ$ 9 ?is p>agraph1 a f9ancial aid adm9i/rator may-- 7,a7 reque/ & use supplem5t>y in=mation1 z necess>y1 ab\t ! f9ancial /atus or p]sonal circum/ances ( eligible applicants z x relates to ! special circum/ances bas$ on :i* ! applicant is reque/+ an adju/m5t2 or 7,b7 (f] a dep5d5t /ud5t f9ancial assi/ance "u a ,f$]al ,direct ,unsubsidiz$ ,/af=d ,loan )\t requir+ ! p>5ts ( su* /ud5t to file ! ,free ,application = ,f$]al ,/ud5t ,aid if ! /ud5t f9ancial aid adm9i/rator det]m9es t ea* p>5t ( su* /ud5t has end$ f9ancial support ( su* /ud5t & refuses to file su* =m4 7#b7 ,limitation relat+ to au?ority ( ! f9ancial aid adm9i/rator ,9 ! abs5ce ( special circum/ances z describ$ 9 subp>agraphs 7,a7 & 7,b7 ( ?is p>agraph1 ! au?ority "u p>agraph 7#a7 %all n be con/ru$ to p]mit f9ancial aid adm9i/rators to deviate f ! co/ ( att5dance1 ! values ( ! data us$ to calculate ! /ud5t aid index or ! values ( ! data us$ to calculate ! ,f$]al ,pell ,grant aw>d 7or bo?7 = aw>d+ aid "u ?is title4 7,a7 ,special circum/ances = adju/m5ts relat$ to pell grants ,special circum/ances = adju/m5ts to calculate a ,f$]al ,pell ,grant aw>d-- 7i7 %all be conditions t diff]5tiate an individual /ud5t f a class ( /ud5ts r ?an conditions t exi/ across a class ( /ud5ts2 & 7ii7 may include-- 7,i7 rec5t unemploym5t ( a family memb] or an indep5d5t /ud5t2 7,,ii7 a /ud5t or family memb] :o is a dislocat$ work] 7z def9$ 9 section #c ( ! ,work=ce ,innovation & ,opportunity ,act72 7,,iii7 a *ange 9 h\s+ /atus t results 9 an individual be+ homeless 7z def9$ 9 section #ajc ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act72 7,,iv7 a rec5t condition ( sev]e disability ( ! /ud5t1 ! dep5d5t /ud5t's p>5t or gu>dian1 or an indep5d5t /ud5t's dep5d5t or sp\se2 or 7,v7 o!r *anges or adju/m5ts 9 ! income1 assets1 or size ( a family1 or a /ud5t's dep5d5cy /atus4 7,b7 ,special circum/ances = adju/m5ts relat$ to co/ ( att5dance & /ud5t aid index ,special circum/ances = adju/m5ts to ! co/ ( att5dance or ! values ( ! data us$ to calculate ! /ud5t aid index-- 7i7 %all be conditions t diff]5tiate an individual /ud5t f a class ( /ud5ts r ?an conditions t exi/ across a class ( /ud5ts2 & 7ii7 may include-- 7,i7 tuition exp5ses at an elem5t>y s*ool or second>y s*ool2 7,,ii7 m$ical1 d5tal1 or nurs+ home exp5ses n cov]$ by insurance2 7,,iii7 unusually high *ild c>e or dep5d5t c>e co/s2 7,,iv7 rec5t unemploym5t ( a family memb] or an indep5d5t /ud5t2 7,v7 a /ud5t or family memb] :o is a dislocat$ work] 7z def9$ 9 section #c ( ! ,work=ce ,innovation & ,opportunity ,act72 7,,vi7 ! numb] ( family memb]s enroll$ 9 a degree1 c]tificate1 or o!r program lead+ to a recogniz$ educational cr$5tial at an in/itution ) a program p>ticipation agreem5t "u section #dhg2 7,,vii7 a *ange 9 h\s+ /atus t results 9 an individual be+ homeless 7z def9$ 9 section #ajc ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act72 7,,viii7 9 ! case ( a dep5d5t /ud5t1 a rec5t condition ( sev]e disability ( ! /ud5t1 ! dep5d5t /ud5t's p>5t or gu>dian1 or an indep5d5t /ud5t's dep5d5t or sp\se2 7,,ix7 exceptional circum/ances ( claim$ losses aga9/ income on ! ,f$]al tax return t sub/antially l[] adju/$ gross income1 su* z unusual bus9ess1 inve/m5t1 or real e/ate losses2 or 7,x7 o!r *anges or adju/m5ts 9 ! income1 assets1 or size ( a family1 or a /ud5t's dep5d5cy /atus4 7#c7 ,use ( au?ority ,no in/itution ( high] education or f9ancial aid adm9i/rator %all ma9ta9 a policy ( d5y+ all reque/s = adju/m5ts "u ?is subsection4 7#d7 ,docum5tation & prohibition on fees 7,a7 ,9 g5]al ,docum5tation = adju/m5ts "u p>agraph 7#a7 %all sub/antiate ! special circum/ances ( individual /ud5ts1 & may include a docum5t$ int]view betwe5 ! /ud5t & ! f9ancial aid adm9i/rator4 7,b7 ,no additional fee ,no /ud5t or p>5t %all be *>g$ a fee = a docum5t$ int]view ( ! /ud5t by ! f9ancial aid adm9i/rator or = ! review ( a /ud5t or p>5t's reque/ = adju/m5ts "u ?is subsection includ+ ! review ( any supplem5t>y in=mation or docum5tation ( a /ud5t or p>5t's special circum/ance4 7,c7 ,disclosure ,ea* in/itution ( high] education %all provide a public notice on ! in/itution's f9ancial aid website t /ud5ts apply+ = aid "u ?is title %all h ! opportunity to pursue adju/m5ts "u ?is subsection4 7b7 ,provisional indep5d5t /ud5ts 7#a7 ,requirem5ts = ! secret>y ,! ,secret>y %all-- 7,a7 enable ea* /ud5t :o1 bas$ on an unusual circum/ance specifi$ 9 accordance ) section #dhj7;d77#a77;,i71 may qualify = an adju/m5t "u subsection 7a7 t w result 9 a det]m9ation ( indep5d5ce "u ?is section & section #dhj7;d77#a77;,i7 to complete ! ,free ,application = ,f$]al ,/ud5t ,aid z an indep5d5t /ud5t = ! purpose ( a provisional det]m9ation ( ! /ud5t's ,f$]al f9ancial aid aw>d1 b subject to ! au?ority "u p>agraph 7#b77;,e71 = ! purpose ( ! f9al det]m9ation ( ! aw>d2 7,b7 ^u completion ( ! ,free ,application = ,f$]al ,/ud5t ,aid provide an e/imate ( ! /ud5t's ,f$]al ,pell ,grant aw>d1 bas$ on ! assumption ! /ud5t is det]m9$ to be an indep5d5t /ud5t2 & 7,c7 specify1 on ! ,free ,application = ,f$]al ,/ud5t ,aid1 ! consequ5ces "u section #dij7;a7 ( kn[+ly & willfully complet+ ! ,free ,application = ,f$]al ,/ud5t ,aid z an indep5d5t /ud5t "u subp>agraph 7,a7 )\t meet+ ! unusual circum/ances to qualify = su* a det]m9ation4 7#b7 ,requirem5ts = f9ancial aid adm9i/rators ,) respect to a /ud5t accept$ = admission :o completes ! ,free ,application = ,f$]al ,/ud5t ,aid z an indep5d5t /ud5t "u p>agraph 7#a77;,a71 a f9ancial aid adm9i/rator-- 7,a7 %all notify ! /ud5t ( ! in/itutional process & requirem5ts = an adju/m5t "u ?is section & section #dhj7;d77#a77;,i7 t w result 9 a review ( ! /ud5t's reque/ = an adju/m5t & a det]m9ation ( ! /ud5t's dep5d5cy /atus "u su* sections )9 a reasonable "t aft] ! /ud5t completes ! ,free ,application = ,f$]al ,/ud5t ,aid2 7,b7 %all provide ! /ud5t a f9al det]m9ation ( ! /ud5t's dep5d5cy /atus & ,f$]al f9ancial aid aw>d )9 a reasonable am\nt ( "t aft] all reque/$ docum5tation is provid$2 7,c7 may consid] z adequate v]ification t a /ud5t qualifies = an adju/m5t "u ?is section & #dhj7;d77#a77;,i7-- 7i7 submission ( a c\rt ord] or (ficial ,f$]al or ,/ate docum5tation t ! /ud5t's p>5ts or legal gu>dians are inc>c]at$ 9 any ,f$]al or ,/ate p5al in/itution2 7ii7 a docum5t$ phone call or a writt5 /atem5t1 :i* confirms ! specific unusual circum/ances )-- 7,i7 a *ild welf>e ag5cy au?oriz$ by a ,/ate or c\nty2 7,,ii7 a ,tribal *ild welf>e au?ority2 7,,iii7 an indep5d5t liv+ case work]2 or 7,,iv7 a public or private ag5cy1 facility1 or program s]v+ ! victims ( abuse1 neglect1 assault1 or viol5ce2 7iii7 a docum5t$ phone call or a writt5 /atem5t f an attorney1 a gu>dian ad litem1 or a c\rt appo9t$ special advocate1 :i* confirms ! specific unusual circum/ances & docum5ts ! p]son's relation%ip to ! /ud5t2 7iv7 a docum5t$ phone call or a writt5 /atem5t f a repres5tative ( a program "u *apt] #a or #b ( subp>t #b ( "p ,a1 :i* confirms ! specific unusual circum/ances & docum5ts ! p]son's relation%ip to ! /ud5t2 7v7 submission ( a copy ( ! /ud5t's p>5ts'-- 7,i7 c]tificates ( dea?2 or 7,,ii7 v]ifi$ obitu>ies2 or 7vi7 9 ! abs5ce ( docum5tation describ$ 9 ?is subp>agraph1 o!r docum5tation ! f9ancial aid adm9i/rator det]m9es is adequate & appropriate to confirm ! unusual circum/ances2 7,d7 %all reta9 all docum5ts relat$ to ! adju/m5t "u ?is section & section #dhj7;d77#a77;,i71 includ+ docum5t$ int]views1 = at lea/ ! duration ( ! /ud5t's enrollm5t1 & %all abide by all o!r record keep+ requirem5ts ( ?is ,act2 & 7,e7 %all presume t any /ud5t :o has obta9$ an adju/m5t "u ?is section & section #dhj7;d77#a77;,i7 & a f9al det]m9ation ( indep5d5ce = a prec$+ aw>d ye> at an in/itution to be indep5d5t = a subsequ5t aw>d ye> at ! same in/itution unless-- 7i7 ! /ud5t in=ms ! in/itution t circum/ances h *ang$2 or 7ii7 ! in/itution has specific conflict+ in=mation ab\t ! /ud5t's indep5d5ce4 7c7 ,adju/m5ts to assets or income tak5 into acc\nt ,a f9ancial aid adm9i/rator %all be consid]$ to be mak+ a necess>y adju/m5t 9 accordance ) subsection 7a7 if-- 7#a7 ! adm9i/rator makes adju/m5ts exclud+ f family income or assets any proce$s or losses f a sale ( f>m or bus9ess assets ( a family if su* sale results f a volunt>y or involunt>y =eclosure1 =feiture1 or bankruptcy or a volunt>y or involunt>y liquidation2 or 7#b7 ! adm9i/rator makes adju/m5ts = a /ud5t ) a disability s z to take into consid]ation ! additional co/s su* /ud5t incurs z a result ( su* /ud5t's disability4 7d7 ,refusal or adju/m5t ( loan c]tifications ,on a case-by-case basis1 an eligible in/itution may refuse to use ! au?ority provid$ "u ?is section1 c]tify a /atem5t t p]mits a /ud5t to receive a loan "u "p ,d1 c]tify a loan am\nt1 or make a loan t is less ?an ! /ud5t's det]m9ation ( ne$ 7z det]m9$ "u ?is "p71 if ! reason = ! action is docum5t$ & provid$ 9 writt5 =m to ! /ud5t4 ,no eligible in/itution %all discrim9ate aga9/ any borr[] or applicant 9 obta9+ a loan on ! basis ( race1 national orig91 religion1 sex1 m>ital /atus1 age1 or disability /atus4 4 7j7 ,disreg>d ( /ud5t aid 9 o!r programs ,section #dgi;,b 7#bj ,u4,s4,c4 #ajhguu7 is am5d$ to read z foll[s3 #dgi;,b4 ,disreg>d ( /ud5t aid 9 o!r programs ,not)/&+ any o!r provision ( law1 /ud5t f9ancial assi/ance receiv$ "u ?is title1 or "u ,bureau ( ,indian ,affairs /ud5t assi/ance programs1 %all n be tak5 into acc\nt 9 det]m9+ ! ne$ or eligibility ( any p]son = b5efits or assi/ance1 or ! am\nt ( su* b5efits or assi/ance1 "u any ,f$]al1 ,/ate1 or local program f9anc$ 9 :ole or 9 "p ) ,f$]al funds4 4 7k7 ,native ,am]ican /ud5ts ,section #dgi;,c 7#bj ,u4,s4,c4 #ajhguu-#a7 is am5d$ to read z foll[s3 #dgi;,c4 ,native ,am]ican /ud5ts ,9 det]m9+ ! /ud5t aid index = ,native ,am]ican /ud5ts1 computations p]=m$ pursuant to ?is "p %all exclude-- 7#a7 any income & assets ( #b1jjj or less p] individual paym5t receiv$ by ! /ud5t 7& sp\se7 & /ud5t's p>5ts "u ,public ,law #ih-fd 7#be ,u4,s4,c4 #aag;a et seq42 #ig ,/at4 #cfe7 7commonly kn[n z ! ,p] ,capita ,act7 or ! ,indian ,tribal ,judgm5t ,funds ,use or ,di/ribution ,act 7#be ,u4,s4,c4 #adja et seq472 & 7#b7 any income receiv$ by ! /ud5t 7& sp\se7 & /ud5t's p>5ts "u ! ,alaska ,native ,claims ,settlem5t ,act 7#dc ,u4,s4,c4 #afja et seq47 or ! ,ma9e ,indian ,claims ,settlem5t ,act ( #aihj 7#be ,u4,s4,c4 #agba et seq474 4 7l7 ,def9itions ,section #dhj 7#bj ,u4,s4,c4 #ajhgvv7 is am5d$ to read z foll[s3 #dhj4 ,def9itions ,9 ?is "p3 7a7 ,total income ,! t]m total income means ! am\nt equal to adju/$ gross income = ! second prec$+ tax ye> plus untax$ income & b5efits = ! second prec$+ tax ye> m9us excludable income = ! second prec$+ tax ye>4 ,! factors us$ to det]m9e total income %all be d]iv$ f ! ,f$]al income tax return1 if available1 except = ! applicant's ability to indicate a qualifi$ rollov] 9 ! second prec$+ tax ye> z outl9$ 9 section #dhc4 7b7 ,untax$ income & b5efits ,! t]m untax$ income & b5efits means-- 7#a7 d$uctions & paym5ts to self-employ$ ,,sep1 ,,simple1 ,keogh1 & o!r qualifi$ individual retirem5t acc\nts exclud$ f income = ,f$]al tax purposes1 except su* t]m %all n include paym5ts made to tax-def]r$ p5sion & retirem5t plans1 paid directly or )held f e>n+s1 t are n del9eat$ on ! ,f$]al tax return2 7#b7 tax-exempt int]e/ income2 7#c7 untax$ portion ( individual retirem5t acc\nt di/ributions2 7#d7 untax$ portion ( p5sions2 & 7#e7 untax$ contributions to heal? sav+s acc\nts4 7c7 ,vet]an ,! t]m vet]an has ! mean+ giv5 ! t]m 9 section #aja7b7 ( title #ch1 ,unit$ ,/ates ,code4 7d7 ,indep5d5t /ud5ts & det]m9ations 7#a7 ,def9ition ,! t]m indep5d5t1 :5 us$ ) respect to a /ud5t1 means any individual :o-- 7,a7 is #bd ye>s ( age or old] by ,decemb] #ca ( ! aw>d ye>2 7,b7 is an orphan1 9 fo/] c>e1 or a w>d ( ! c\rt1 or 0 an orphan1 9 fo/] c>e1 or a w>d ( ! c\rt at any "t :5 ! individual 0 #ac ye>s ( age or old]2 7,c7 is1 or 0 imm$iately prior to atta9+ ! age ( majority1 an emancipat$ m9or or 9 legal gu>dian%ip z det]m9$ by a c\rt ( compet5t jurisdiction 9 ! individual's ,/ate ( legal resid5ce2 7,d7 is a vet]an ( ! ,arm$ ,=ces ( ! ,unit$ ,/ates 7z def9$ 9 subsection 7c77 or is curr5tly s]v+ on active duty 9 ! ,arm$ ,=ces = o!r ?an tra9+ purposes2 7,e7 is a graduate or pr(essional /ud5t2 7,f7 is a m>ri$ individual2 7,g7 has legal dep5d5ts o!r ?an a sp\se2 7,h7 has be5 v]ifi$ z ei!r an unaccompani$ y\? #bc ye>s ( age or y\ng] :o is a homeless *ild or y\? 7z su* t]m is def9$ 9 section #gbe ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act71 or z unaccompani$1 at risk ( homelessness1 & self-support+1 by-- 7i7 a local educational ag5cy homeless liaison1 designat$ pursuant to section #gbb7;g77#a77;,j77ii7 ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act or a designee ( ! liaison2 7ii7 ! director ( a recogniz$ em]g5cy %elt]1 transitional liv+1 /reet outrea* program1 or o!r program s]v+ individuals :o are homeless or a designee ( ! director2 7iii7 ! director ( a ,f$]al ,,trio program or a ,ga9+ ,e>ly ,aw>5ess & ,read9ess = ,und]graduate program "u *apt] #a or #b ( subp>t #b ( "p ,a or a designee ( ! director2 or 7iv7 a f9ancial aid adm9i/rator :o v]ifi$ ! /ud5t's circum/ance 9 a prior aw>d ye>2 or 7,i7 is a /ud5t = :om a f9ancial aid adm9i/rator makes a docum5t$ det]m9ation ( indep5d5ce by reason ( o!r unusual circum/ances 9 :i* ! /ud5t is unable to contact a p>5t or :]e contact ) p>5ts poses a risk to su* /ud5t1 :i* may include circum/ances (-- 7i7 human traffick+1 z describ$ 9 ! ,traffick+ ,victims ,protection ,act ( #bjjj 7#bb ,u4,s4,c4 #gaja et seq472 7ii7 legally grant$ refugee or asylum /atus2 7iii7 p>5tal ab&onm5t2 or 7iv7 p>5tal imprisonm5t4 7#b7 ,simplify+ ! dep5d5cy ov]ride process ,a f9ancial aid adm9i/rator may make a det]m9ation ( indep5d5ce "u p>agraph 7#a77;,i7 bas$ ^u a docum5t$ det]m9ation ( indep5d5ce t 0 previ\sly made by ano!r f9ancial aid adm9i/rator "u su* p>agraph 9 ! same aw>d ye>4 7#c7 ,det]m9ation process = unaccompani$ y\? ,a f9ancial aid adm9i/rator %all make a case-by-case det]m9ation "u p>agraph 7#a77;,h7 if a /ud5t does n h1 & _c get1 docum5tation f any ( ! o!r designat$ au?orities describ$ 9 su* p>agraph1 &1 9 ! abs5ce ( conflict+ in=mation1 may v]ify a /atus describ$ 9 su* p>agraph4 ,su* a det]m9ation %all be-- 7,a7 bas$ on ! def9itions outl9$ 9 p>agraph 7#a77;,h72 7,b7 di/9ct f a det]m9ation ( indep5d5ce "u p>agraph 7#a77;,i72 7,c7 bas$ on a writt5 /atem5t f or a docum5t$ int]view ) ! /ud5t :i* confirms ! /ud5t's /atus z an unaccompani$ y\?2 7,d7 limit$ to :e!r ! /ud5t's /atus has be5 v]ifi$ ?r\gh an individual describ$ 9 p>agraph 7#a77;,h72 & 7,e7 made indep5d5t f ! reasons = ! /ud5t's homelessness4 7#d7 ,v]ification process = fo/] c>e y\? ,if an in/itution requires docum5tation to v]ify t a /ud5t 0 9 fo/] c>e :5 ! /ud5t 0 age #ac or old]1 z describ$ 9 p>agraph 7#a77;,b71 a f9ancial aid adm9i/rator %all consid] any ( ! foll[+ z adequate v]ification1 9 ! abs5ce ( docum5t$ conflict+ in=mation3 7,a7 ,submission ( a c\rt ord] or (ficial ,/ate docum5tation t ! /ud5t receiv$ ,f$]al or ,/ate support 9 fo/] c>e4 7,b7 ,a docum5t$ phone call1 writt5 /atem5t1 or v]ifiable electronic data mat*1 :i* confirms ! /ud5t 0 9 fo/] c>e at an applicable age1 f-- 7i7 a ,/ate or tribal ag5cy adm9i/]+ a program "u "p ,b or ,e ( title ,,iv ( ! ,social ,security ,act 7#db ,u4,s4,c4 #fba et seq4 & #fgj et seq472 7ii7 a ,/ate ,m$icaid ag5cy2 or 7iii7 a public or private fo/] c>e plac+ ag5cy or fo/] c>e facility or placem5t4 7,c7 ,a docum5t$ phone call or a writt5 /atem5t f an attorney1 a gu>dian ad litem1 or a ,c\rt ,appo9t$ ,special ,advocate t confirms t ! /ud5t 0 9 fo/] c>e at an applicable age1 & docum5ts ! p]son's relation%ip to ! /ud5t4 7,d7 ,v]ification ( ! /ud5t's eligibility = an education & tra9+ v\*] "u ! ,john ,h4 ,*afee ,fo/] ,c>e ,program "u section #dgg ( ! ,social ,security ,act 7#db ,u4,s4,c4 #fgg74 7#e7 ,tim+2 use ( e>li] det]m9ation 7,a7 ,tim+ ,a det]m9ation "u subp>agraph 7,b71 7,h7 or 7,i7 ( p>agraph 7#a7 = a /ud5t-- 7i7 %all be made z quickly z practicable2 7ii7 may be made z e>ly z ! ye> be=e ! aw>d ye> = :i* ! /ud5t initially submits an application2 & 7iii7 %all be made n lat] ?an dur+ ! aw>d ye> = :i* ! /ud5t initially submits an application4 7,b7 ,use ( e>li] det]m9ation ,any /ud5t :o is det]m9$ to be indep5d5t "u subp>agraph 7,b71 7,h7 or 7,i7 ( p>agraph 7#a7 = a prec$+ aw>d ye> at an in/itution %all be presum$ to be indep5d5t = ea* subsequ5t aw>d ye> at ! same in/itution unless-- 7i7 ! /ud5t in=ms ! in/itution t circum/ances h *ang$2 or 7ii7 ! in/itution has specific conflict+ in=mation ab\t ! /ud5t's indep5d5ce1 & has in=m$ ! /ud5t ( ?is in=mation4 7#f7 ,ret5tion ( docum5ts ,a f9ancial aid adm9i/rator %all reta9 all docum5ts relat$ to ! det]m9ation ( indep5d5ce "u subp>agraph 7,b7 or 7,h7 ( p>agraph 7#a71 includ+ docum5t$ int]views4 7e7 ,excludable income ,! t]m excludable income means an am\nt equal to ! education cr$its describ$ 9 p>agraphs 7#a7 & 7#b7 ( section #be;,a7a7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 7f7 ,assets 7#a7 ,9 g5]al ,! t]m assets means ca% on h&1 includ+ ! am\nt 9 *eck+ & sav+s acc\nts1 "t deposits1 money m>ket funds1 tru/s1 /ocks1 bonds1 d]ivatives1 o!r securities1 mutual funds1 tax %elt]s1 qualifi$ education b5efits 7except z provid$ 9 p>agraph 7#c771 ! annual am\nt ( *ild support receiv$ & ! net value ( real e/ate1 income produc+ prop]ty1 & bus9ess & f>m assets1 det]m9$ 9 accordance ) section #dgh7;c74 7#b7 ,exclusions ,) respect to det]m9ations ( ne$ "u ?is title1 ! t]m assets %all n include ! net value ( ! family's pr9cipal place ( resid5ce4 7#c7 ,qualifi$ education b5efit ,a qualifi$ education b5efit %all be consid]$ an asset (-- 7,a7 ! /ud5t if ! /ud5t is an indep5d5t /ud5t2 or 7,b7 ! p>5t if ! /ud5t is a dep5d5t /ud5t & ! acc\nt is designat$ = ! /ud5t1 reg>dless ( :e!r ! own] ( ! acc\nt is ! /ud5t or ! p>5t4 7g7 ,net assets ,! t]m net assets means ! curr5t m>ket value at ! "t ( application ( ! assets 7z def9$ 9 subsection 7f771 m9us ! out/&+ liabilities or indebt$ness aga9/ ! assets4 7h7 ,treatm5t ( income taxes paid to o!r jurisdictions 7#a7 ,! tax on income paid to ! ,gov]nm5ts ( ! ,commonweal? ( ,pu]to ,rico1 ,guam1 ,am]ican ,samoa1 ! ,virg9 ,isl&s1 or ! ,commonweal? ( ! ,nor!rn ,m>iana ,isl&s1 ! ,republic ( ! ,m>%all ,isl&s1 ! ,f$]at$ ,/ates ( ,micronesia1 or ,palau "u ! laws applicable to ^? jurisdictions1 or ! comp>able tax paid to ! c5tral gov]nm5t ( a =eign c\ntry1 %all be treat$ z ,f$]al income taxes4 7#b7 ,ref]5ces 9 ?is "p to title #bf1 ,f$]al income tax =ms1 & ! ,int]nal ,rev5ue ,s]vice %all1 = purposes ( ! tax describ$ 9 p>agraph 7#a71 be treat$ z ref]5ces to ! correspond+ laws1 tax =ms1 & tax collection ag5cies ( ^? jurisdictions1 respectively1 subject to su* adju/m5ts z ! ,secret>y may provide by regulation4 7i7 ,curr5t balance ,! t]m curr5t balance ( *eck+ & sav+s acc\nts does n include any funds ov] :i* an individual is b>r$ f ex]cis+ discretion & control because ( ! actions ( any ,/ate 9 decl>+ a bank em]g5cy due to ! insolv5cy ( a private deposit insurance fund4 7j7 ,o!r f9ancial assi/ance 7#a7 ,= purposes ( det]m9+ a /ud5t's eligibility = funds "u ?is title1 o!r f9ancial assi/ance n receiv$ "u ?is title %all include all s*ol>%ips1 grants1 loans1 or o!r assi/ance kn[n to ! in/itution at ! "t ! det]m9ation ( ! /ud5t's ne$ is made1 includ+ national s]vice educational aw>ds or po/-s]vice b5efits "u title ,i ( ! ,national & ,community ,s]vice ,act ( #aiij 7#db ,u4,s4,c4 #abeaa et seq474 7#b7 ,not)/&+ p>agraph 7#a71 a tax cr$it tak5 "u section #be;,a ( ! ,int]nal ,rev5ue ,code ( #aihf1 or a di/ribution t is n includable 9 gross income "u section #ebi ( su* ,code1 "u ano!r prepaid tuition plan (f]$ by a ,/ate1 or "u a ,cov]dell education sav+s acc\nt "u section #ecj ( su* ,code1 %all n be treat$ z o!r f9ancial assi/ance = purposes ( section #dga7;a77#c74 7#c7 ,not)/&+ p>agraph 7#a7 & section #dgb1 assi/ance n receiv$ "u ?is title may be exclud$ f bo? o!r f9ancial assi/ance & co/ ( att5dance1 if t assi/ance is provid$ by a ,/ate & is designat$ by su* ,/ate to (fset a specific compon5t ( ! co/ ( att5dance4 ,if t assi/ance is exclud$ f ei!r o!r f9ancial assi/ance or co/ ( att5dance1 x %all be exclud$ f bo?4 7#d7 ,not)/&+ p>agraph 7#a71 paym5ts made & s]vices provid$ "u "p ,e ( title ,,iv ( ! ,social ,security ,act to or on behalf ( any *ild or y\? ov] :om ! ,/ate ag5cy has responsibility = placem5t1 c>e1 or sup]vision1 includ+ ! value ( v\*]s = education & tra9+ & am\nts exp5d$ = room & bo>d = y\? :o are n 9 fo/] c>e b are receiv+ s]vices "u section #dgg ( su* ,act1 %all n be treat$ z o!r f9ancial assi/ance = purposes ( section #dga7;a77#c74 7k7 ,dep5d5ts 7#a7 ,except z o!rwise provid$1 ! t]m dep5d5t ( ! p>5t means ! /ud5t1 dep5d5t *ildr5 ( ! /ud5t's p>5ts1 includ+ ^? *ildr5 :o are deem$ to be dep5d5t /ud5ts :5 apply+ = aid "u ?is title1 & o!r p]sons :o live ) & receive m ?an "o-half ( _! support f ! p>5t & w cont9ue to receive m ?an half ( _! support f ! p>5t dur+ ! aw>d ye>4 7#b7 ,except z o!rwise provid$1 ! t]m dep5d5t ( ! /ud5t means ! /ud5t's dep5d5t *ildr5 & o!r p]sons 7except ! /ud5t's sp\se7 :o live ) & receive m ?an "o-half ( _! support f ! /ud5t & w cont9ue to receive m ?an half ( _! support f ! /ud5t dur+ ! aw>d ye>4 7l7 ,family size 7#a7 ,dep5d5t /ud5t ,except z provid$ 9 p>agraph 7#c71 9 det]m9+ family size 9 ! case ( a dep5d5t /ud5t-- 7,a7 if ! p>5ts are n divorc$ or sep>at$1 family memb]s include ! /ud5t's p>5ts1 & any dep5d5t 7)9 ! mean+ ( section #aeb ( ! ,int]nal ,rev5ue ,code ( #aihf or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( ! /ud5t's p>5ts = ! taxable ye> us$ 9 det]m9+ ! am\nt ( ne$ ( ! /ud5t = f9ancial assi/ance "u ?is title2 7,b7 if ! p>5ts are divorc$ or sep>at$1 family memb]s include ! p>5t ^: income is includ$ 9 comput+ available income & any dep5d5t 7)9 ! mean+ ( section #aeb ( ! ,int]nal ,rev5ue ,code ( #aihf or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( t p>5t = ! taxable ye> us$ 9 det]m9+ ! am\nt ( ne$ ( ! /ud5t = f9ancial assi/ance "u ?is title2 7,c7 if ! p>5ts are divorc$ & ! p>5ts ^: income is s includ$ is rem>ri$1 or if ! p>5t 0 a wid[ or wid[] :o has rem>ri$1 family memb]s also include1 9 addition to ^? individuals ref]r$ to 9 p>agraph 7,b71 & any dep5d5t 7)9 ! mean+ ( section #aeb ( ! ,int]nal ,rev5ue ,code ( #aihf or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( ! new sp\se = ! taxable ye> us$ 9 det]m9+ ! am\nt ( ne$ ( ! /ud5t = f9ancial assi/ance "u ?is title1 if t sp\se's income is includ$ 9 det]m9+ ! p>5t's adju/$ available income2 & 7,d7 if ! /ud5t is n consid]$ z a dep5d5t 7)9 ! mean+ ( section #aeb ( ! ,int]nal ,rev5ue ,code ( #aihf or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( any p>5t1 ! p>5ts' family size %all include ! /ud5t & ! family memb]s applicable to ! p>5ts' situation "u subp>agraph 7,a71 7,b71 or 7,c74 7#b7 ,indep5d5t /ud5t ,except z provid$ 9 p>agraph 7#c71 9 det]m9+ family size 9 ! case ( an indep5d5t /ud5t-- 7,a7 family memb]s include ! /ud5t1 ! /ud5t's sp\se1 & any dep5d5t 7)9 ! mean+ ( section #aeb ( ! ,int]nal ,rev5ue ,code ( #aihf or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( t /ud5t = ! taxable ye> us$ 9 det]m9+ ! am\nt ( ne$ ( ! /ud5t = f9ancial assi/ance "u ?is title2 & 7,b7 if ! /ud5t is divorc$ or sep>at$1 family memb]s d n include ! sp\se 7or ex-sp\se71 b d include ! /ud5t & any dep5d5t 7)9 ! mean+ ( section #aeb ( ! ,int]nal ,rev5ue ,code ( #aihf or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( t /ud5t = ! taxable ye> us$ 9 det]m9+ ! am\nt ( ne$ ( ! /ud5t = f9ancial assi/ance "u ?is title4 7#c7 ,proc$ures & modification ,! ,secret>y %all provide proc$ures = det]m9+ family size 9 cases 9 :i* in=mation = ! taxable ye> us$ 9 det]m9+ ! am\nt ( ne$ ( ! /ud5t = f9ancial assi/ance "u ?is title has *ang$ or does n accurately reflect ! applicant's curr5t h\sehold size4 7m7 ,bus9ess assets ,! t]m bus9ess assets means prop]ty t is us$ 9 ! op]ation ( a trade or bus9ess1 includ+ real e/ate1 inv5tories1 build+s1 ma*9]y1 & o!r equipm5t1 pat5ts1 fran*ise rights1 & copyrights4 4 7m7 ,,fafsa ,section #dhc 7#bj ,u4,s4,c4 #ajij7 is am5d$ to read z foll[s3 #dhc4 ,free application = f$]al /ud5t aid 7a7 ,simplifi$ application = f$]al /ud5t f9ancial aid 7#a7 ,9 g5]al ,ea* individual seek+ to apply = ,f$]al f9ancial aid "u ?is title = any aw>d ye> %all file a free application ) ! ,secret>y1 kn[n z ! ,free ,application = ,f$]al ,/ud5t ,aid1 to det]m9e eligibility = su* aid1 z describ$ 9 p>agraph 7#b71 & 9 accordance ) section #dgi4 7#b7 ,free application 7,a7 ,9 g5]al ,! ,secret>y %all make available1 = ! purposes ( p>agraph 7#a71 a free application to det]m9e ! eligibility ( a /ud5t = ,f$]al f9ancial aid "u ?is title4 7,b7 ,in=mation requir$ by ! applicant 7i7 ,9 g5]al ,! applicant1 &1 if necess>y1 ! p>5ts or sp\se ( ! applicant1 %all provide ! ,secret>y ) ! applicable in=mation describ$ 9 clause 7ii7 9 ord] to be eligible = ,f$]al f9ancial aid "u ?is title4 7ii7 ,in=mation to be provid$ ,! in=mation describ$ 9 ?is clause is ! foll[+3 7,i7 ,"n4 7,,ii7 ,contact in=mation1 includ+ address1 phone numb]1 email address1 or o!r electronic address4 7,,iii7 ,social security numb]4 7,,iv7 ,date ( bir?4 7,v7 ,m>ital /atus4 7,,vi7 ,citiz5%ip /atus1 includ+ ali5 regi/ration numb]1 if applicable4 7,,vii7 ,/ate ( legal resid5ce & date ( resid5cy4 7,,viii7 ,"n & location ( ! high s*ool f :i* ! applicant receiv$1 or w receive prior to ! p]iod ( enrollm5t = :i* aid is s\ght1 a regul> high s*ool diploma1 "n & location ( ! entity f :i* ! applicant receiv$1 or w receive prior to ! p]iod ( enrollm5t = :i* aid is s\ght1 a recogniz$ equival5t ( a regul> high s*ool diploma1 or if ! applicant complet$ or w complete prior to ! p]iod ( enrollm5t = :i* aid is s\ght1 a second>y s*ool education 9 a home s*ool sett+ t is treat$ z a home s*ool or private s*ool "u ,/ate law4 7,,ix7 ,"n ( ea* in/itution :]e ! applicant int5ds to apply = enrollm5t or cont9ue enrollm5t4 7,x7 ,ye> 9 s*ool = p]iod ( enrollm5t = :i* aid is s\ght1 includ+ :e!r applicant w h f9i%$ fir/ ba*elor's degree prior to ! p]iod ( enrollm5t = :i* aid is s\ght4 7,,xi7 ,:e!r "o or bo? ( an applicant's p>5ts att5d$ college4 7,,xii7 ,any requir$ asset in=mation1 unless exempt "u section #dgi1 9 :i* ! applicant %all indicate-- 7aa7 ! annual am\nt ( *ild support receiv$1 if applicable2 & 7bb7 all requir$ asset in=mation n describ$ 9 item 7aa74 7,,xiii7 ,! numb] ( memb]s ( ! applicant's family :o w also be enroll$ 9 an eligible in/itution ( high] education on at lea/ a half-"t basis dur+ ! same enrollm5t p]iod z ! applicant4 7,,xiv7 ,if ! applicant meets any ( ! foll[+ designations3 7aa7 ,homeless1 at risk ( be+ homeless1 or an unaccompani$ y\?4 7bb7 ,emancipat$ m9or4 7cc7 ,9 legal gu>dian%ip4 7dd7 ,dep5d5t w>d ( ! c\rt at any "t s9ce ! applicant turn$ #ac4 7ee7 ,9 fo/] c>e at any "t s9ce ! applicant turn$ #ac4 7ff7 ,if bo? p>5ts h di$ s9ce ! applicant turn$ #ac4 7gg7 ,is a vet]an or a memb] ( ! ,arm$ ,=ces4 7hh7 ,has a dep5d5t *ild or relative & is "u ! age ( #bd4 7ii7 ,does n h access to p>5tal income due to an unusual circum/ance4 7,,xv7 ,if ! applicant receives or has receiv$ any ( ! foll[+ means-te/$ ,f$]al b5efits )9 ! la/ two ye>s3 7aa7 ,! supplem5tal security income program "u title ,,xvi ( ! ,social ,security ,act 7#db ,u4,s4,c4 #acha et seq474 7bb7 ,! supplem5tal nutrition assi/ance program "u ! ,food & ,nutrition ,act ( #bjjh 7#g ,u4,s4,c4 #bjaa et seq474 7cc7 ,! free & r$uc$ price s*ool lun* program e/abli%$ "u ! ,ri*>d ,b4 ,russell ,national ,s*ool ,lun* ,act 7#db ,u4,s4,c4 #agea et seq474 7dd7 ,! program ( block grants = ,/ates = tempor>y assi/ance = ne$y families e/abli%$ "u "p ,a ( title ,,iv ( ! ,social ,security ,act 7#db ,u4,s4,c4 #fja et seq474 7ee7 ,! special supplem5tal nutrition program = wom51 infants1 & *ildr5 e/abli%$ by section #ag ( ! ,*ild ,nutrition ,act ( #aiff 7#db ,u4,s4,c4 #aghf74 7ff7 ,! ,m$icaid program "u title ,,xix ( ! ,social ,security ,act 7#db ,u4,s4,c4 #acif et seq474 7gg7 ,any o!r means-te/$ program det]m9$ by ! ,secret>y to be appropriate4 7,,xvi7 ,if ! applicant1 or1 if necess>y1 ! p>5ts or sp\se ( ! applicant1 report$ receiv+ tax exempt paym5ts f an ,,ira di/ribution or f p5sions or annuities on a ,f$]al tax return ! ,secret>y %all reque/ ! applicant1 or1 if necess>y1 ! p>5ts or sp\se ( ! applicant to provide in=mation z to h[ mu* ( ! ,,ira di/ribution or ! p5sion or annuity disbursem5t 0 a qualifi$ rollov] & ! applicant1 or1 if necess>y1 ! p>5ts or sp\se ( ! applicant %all provide su* in=mation to ! ,secret>y = ! purpose ( ! ne$ analysis4 7iii7 ,prohibition aga9/ reque/+ in=mation m ?an once ,any in=mation reque/$ dur+ ! process ( creat+ an acc\nt = complet+ ! web-bas$ free application "u ?is subsection1 %all n be requir$ a second "t = ! same aw>d ye>1 or 9 a duplicative mann]1 :5 complet+ su* web-bas$ free application4 7iv7 ,*ange 9 family size ,! ,secret>y %all provide a process by :i* an applicant %all confirm ! accuracy ( family size or update ! family size ) respect to su* applicant = purposes ( det]m9+ ! ne$ ( su* applicant = f9ancial assi/ance "u ?is title bas$ on a *ange 9 family size f ! tax ye> data us$ = su* det]m9ation4 7v7 ,s+le "q = homeless /atus ,! ,secret>y %all ensure t1 on ! =m develop$ "u ?is section = :i* ! in=mation is applicable1 !re is a s+le1 easily und]/ood scre5+ "q to id5tify an applicant :o is an unaccompani$ homeless *ild or y\? 7z su* t]m is def9$ 9 section #gbe ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act7 or an unaccompani$ y\? :o is self-support+ & at risk ( homelessness4 7,c7 ,notification ( reque/ = tax return in=mation ,! ,secret>y %all advise /ud5ts & borr[]s :o submit an application = ,f$]al /ud5t f9ancial aid "u ?is title 7z well z p>5ts & sp\ses :o sign su* an application or reque/ or a ,ma/] ,promissory ,note on behalf ( ^? /ud5ts & borr[]s7 ( ! au?ority ( ! ,secret>y to reque/ t ! ,int]nal ,rev5ue ,s]vice disclose _! tax return in=mation z describ$ 9 section #did4 7,d7 ,au?orizations available to ! applicant 7i7 ,au?orization to release & transmit to in/itution ,an applicant &1 if necess>y1 ! p>5ts or sp\se ( ! applicant %all provide ! ,secret>y ) au?orization to release & transmit to an in/itution1 z specifi$ by ! applicant1 9 ord] = ! applicant's eligibility = ,f$]al f9ancial aid programs to be det]m9$1 ! foll[+3 7,i7 ,in=mation describ$ "u section #fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 7,,ii7 ,all in=mation provid$ by ! applicant on ! application describ$ by ?is subsection to det]m9e ! applicant's eligibility = ,f$]al f9ancial aid "u ?is title & = ! application1 aw>d1 & adm9i/ration ( su* ,f$]al f9ancial aid4 7ii7 ,au?orization to release & transmit to ,/ate & in/itution 7,i7 ,9 g5]al ,an applicant &1 if necess>y1 ! p>5ts or sp\se ( ! applicant may provide ! ,secret>y ) au?orization to release & transmit to ! ,/ate ( resid5ce ( ! applicant & to any in/itution specifi$ by ! applicant1 9 ord] = ! applicant's eligibility = ,/ate /ud5t f9ancial aid programs or in/itution-bas$ /ud5t f9ancial aid programs to be det]m9$1 ! foll[+3 7aa7 ,in=mation describ$ "u section #fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 7bb7 ,all in=mation provid$ by ! applicant on ! application describ$ by ?is subsection = ! application1 aw>d1 & adm9i/ration ( f9ancial aid by a ,/ate or an in/itution ( high] education4 7,,ii7 ,special rule ,an in/itution to :i* an applicant selects to release & transmit in=mation "u subclause 7,i7 %all n be disclos$ to any o!r in/itution4 7iii7 ,au?orization to release & transmit to b5efits programs ,an applicant &1 if necess>y1 ! p>5ts or sp\se ( ! applicant may provide ! ,secret>y ) au?orization to release & transmit to means-te/$ ,f$]al b5efit programs1 z def9$ 9 section #dgc7;e71 ! foll[+3 7,i7 ,in=mation describ$ "u section #fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 7,,ii7 ,all in=mation provid$ by ! applicant on ! application describ$ by ?is subsection to det]m9e ! applicant's eligibility = ! application1 aw>d1 & adm9i/ration ( su* means-te/$ ,f$]al b5efits programs4 7,e7 ,action by ! secret>y ,^u receiv+-- 7i7 an application "u ?is section1 ! ,secret>y %all1 z soon z practicable1 p]=m ! necess>y functions ) ! ,commission] ( ,int]nal ,rev5ue to calculate ! applicant's /ud5t aid index & s*$ul$ aw>d = a ,f$]al ,pell ,grant1 if applicable1 assum+ full-"t enrollm5t = an academic ye>1 & note to ! applicant ! assumptions relation%ip to ! s*$ul$ aw>d2 & 7ii7 an au?orization "u subp>agraph 7,d71 ! ,secret>y %all1 z soon z practicable1 release & transmit ! in=mation describ$ "u su* subp>agraph to ! ,/ate ( resid5ce ( ! applicant or an in/itution1 z specifi$ by ! applicant1 9 ord] = ! applicant's eligibility = ,f$]al1 ,/ate1 or in/itutional /ud5t f9ancial aid programs to be e/imat$ or det]m9$4 7#c7 ,in=mation to be suppli$ by ! secret>y ( education 7,a7 ,9 g5]al ,^u receiv+ & timely process+ a free application t conta9s ! in=mation describ$ 9 p>agraph 7#b71 ! ,secret>y %all provide to ! applicant 7& ! p>5ts ( a dep5d5t /ud5t applicant1 or sp\se ( ! indep5d5t /ud5t applicant1 if applicable7 ! foll[+ in=mation bas$ on full-"t att5dance = an academic ye>3 7i7 ,! e/imat$ doll> am\nt ( a ,f$]al ,pell ,grant s*$ul$ aw>d = :i* ! applicant is eligible = su* aw>d ye>4 7ii7 ,in=mation on o!r types ( ,f$]al f9ancial aid = :i* ! applicant may be eligible 7includ+ situations 9 :i* ! applicant c\ld qualify = #aej p]c5t ( a s*$ule ,f$]al ,pell ,grant aw>d & loans made "u ?is title7 & h[ ! applicant c f9d additional in=mation reg>d+ su* aid4 7iii7 ,in=mation reg>d+ ea* in/itution select$ by ! applicant 9 accordance ) p>agraph 7#b77;,b77ii77,,ix71 includ+ ! foll[+3 7,i7 ,! foll[+ in=mation1 z collect$ ?r\gh ! ,integrat$ ,po/second>y ,education ,data ,sy/em3 7aa7 ,net price by income qu9tile4 7bb7 ,m$ian debt ( /ud5ts ^u completion4 7cc7 ,graduation rate4 7dd7 ,ret5tion rate4 7ee7 ,transf] rate1 if available4 7,,ii7 ,in/itutional default rate1 z calculat$ "u section #dce4 7iv7 ,if ! /ud5t is eligible = a /ud5t aid index ( less ?an or equal to z]o "u section #dgc b has n indicat$ t !y receive ,f$]al means-te/$ b5efits1 a notification ( ! ,f$]al means-te/$ b5efits = :i* !y may be eligible4 7v7 ,in=mation on education tax cr$its describ$ 9 p>agraphs 7#a7 & 7#b7 ( section #be;,a7a7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 7vi7 ,if applicable1 ! applicant's curr5t out/&+ balance ( loans "u ?is title4 7,b7 ,in=mation provid$ to ! /ate 7i7 ,9 g5]al ,! ,secret>y %all provide1 ) au?orization f ! applicant 9 accordance ) p>agraph 7#b77;,d77ii71 to a ,/ate ag5cy adm9i/]+ ,/ate-bas$ f9ancial aid & s]v+ ! applicant's ,/ate ( resid5ce1 ! in=mation describ$ "u section #fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code ( #aihf & in=mation describ$ 9 p>agraph 7#b77;,b7 = ! application1 aw>d & adm9i/ration ( grants & o!r aid provid$ directly f ! ,/ate to be det]m9$ by su* ,/ate1 su* in=mation %all include ! li/ ( in/itutions provid$ by ! applicant on ! application4 7ii7 ,use ( in=mation ,a ,/ate ag5cy adm9i/]+ ,/ate-bas$ f9ancial aid-- 7,i7 %all use ! in=mation provid$ "u clause 7i7 solely = ! application1 aw>d1 & adm9i/ration ( ,/ate-bas$ f9ancial aid = :i* ! applicant is eligible & = ,/ate ag5cy rese>* t does n release any individually id5tifiable in=mation on any applicant to promote college att5dance1 p]si/5ce1 & completion2 7,,ii7 may use id5tify+ in=mation = /ud5t applicants to det]m9e :e!r or n a graduat+ second>y /ud5t has fil$ ! application 9 coord9ation ) local educational ag5cies or second>y s*ools to enc\rage /ud5ts to complete ! application2 & 7,,iii7 %all be prohibit$ f %>+ application in=mation ) any o!r entity )\t ! explicit writt5 cons5t ( ! applicant1 except z provid$ 9 subclause 7,,ii74 7iii7 ,limitation on cons5t process ,a ,/ate may provide a cons5t process :]eby an applicant may elect to %>e ! in=mation describ$ 9 clause 7i7 ?r\gh explicit writt5 cons5t to ,f$]al1 ,/ate or local gov]nm5t ag5cies or tribal organizations to assi/ su* applicant 9 apply+ = & receiv+ ,f$]al1 ,/ate1 or local gov]nm5t assi/ance1 or tribal assi/ance = any compon5t ( ! applicant's co/ ( att5dance :i* may include f9ancial assi/ance or non-monet>y assi/ance4 7iv7 ,prohibition ,any entity t receives applicant in=mation "u clause 7iii7 %all n sell1 %>e1 or o!rwise use applicant in=mation o!r ?an = ! purposes outl9$ 9 clause 7iii74 7,c7 ,in=mation provid$ to ! in/itution 7i7 ,9 g5]al ,! ,secret>y %all provide1 ) au?orization f ! applicant 9 accordance ) p>agraph 7#b77;,d77ii71 to ea* in/itution select$ by ! applicant on ! application1 ! in=mation describ$ "u section #fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code ( #aihf & in=mation describ$ 9 p>agraph 7#b77;,b7 = ! application1 aw>d & adm9i/ration ( grants & o!r aid provid$ directly f ! in/itution to be det]m9$ by su* in/itution & grants & o!r aid provid$ directly f ! ,/ate or ,f$]al ,gov]nm5t4 7ii7 ,use ( in=mation ,an in/itution-- 7,i7 %all use ! in=mation provid$ to x "u clause 7i7 solely = ! application1 aw>d1 & adm9i/ration ( f9ancial aid to ! applicant & = in/itutional rese>* t does n release any individually id5tifiable in=mation on any applicant to promote college att5dance1 p]si/5ce & completion2 & 7,,ii7 be prohibit$ f %>+ su* in=mation ) any o!r entity )\t ! explicit writt5 cons5t ( ! applicant4 7iii7 ,limitation on cons5t process ,an in/itution may provide a cons5t process :]eby an applicant c elect to %>e ! in=mation describ$ 9 clause 7i7 ) explicit writt5 cons5t to a s*ol>%ip grant+ organization1 includ+ a tribal organization 7def9$ 9 section #d ( ! ,indian ,self-,det]m9ation & ,education ,assi/ance ,act 7#be ,u4,s4,c4 #ecjd771 or to ,f$]al1 ,/ate or local gov]nm5t ag5cies or tribal organizations to assi/ ! applicant 9 apply+ = & receiv+ private assi/ance1 or ,f$]al1 ,/ate1 local gov]nm5t assi/ance1 or tribal assi/ance = any compon5t ( ! applicant's co/ ( att5dance :i* may include f9ancial assi/ance or non-monet>y assi/ance4 7iv7 ,prohibition ,any entity t receives applicant in=mation "u clause 7iii7 %all n sell1 %>e1 or o!rwise use applicant in=mation o!r ?an = ! purposes outl9$ 9 clause 7iii74 7#d7 ,developm5t ( =m & in=mation ex*ange ,! ,secret>y %all1 to ! ext5t practicable1 consult ) /akehold]s1 prior to ! design ( ! free application describ$ 9 ?is subsection1 to ga!r in=mation ab\t innovations & te*nology available to-- 7,a7 ensure an effici5t & effective process2 7,b7 mitigate un9t5d$ consequ5ces2 & 7,c7 det]m9e ! be/ practices = outrea* to /ud5ts & families dur+ ! transition to ! /reaml9$ process = ! det]m9ation ( ,f$]al f9ancial aid & ,f$]al ,pell ,grant eligibility :ile r$uc+ ! data burd5 on applicants & families4 7#e7 ,no additional in=mation reque/s p]mitt$ ,9 c>ry+ out ?is subsection1 ! ,secret>y may n require additional in=mation to be submitt$ by an applicant 7or ! p>5ts or sp\se ( an applicant7 = ,f$]al f9ancial aid ?r\gh o!r requirem5ts or report+4 7#f7 ,/ate-run programs 7,a7 ,9 g5]al ,! ,secret>y %all conduct outrea* to ,/ates 9 ord] to rese>* ! b5efits to /ud5ts ( ,/ates rely+ solely on ! f9ancial data made available1 ^u au?orization by ! applicant1 z a result ( an application = aid "u ?is subsection = det]m9+ ! eligibility ( ! applicant = ,/ate provid$ f9ancial aid4 7,b7 ,secret>ial review ,if a ,/ate det]m9es t !re is a ne$ = additional data elem5ts beyond ^? provid$ pursuant to ?is subsection = det]m9+ ! eligibility ( an applicant = ,/ate provid$ f9ancial aid1 ! ,/ate %all =w>d a li/ ( ^? additional data elem5ts det]m9$ necess>y1 b n provid$ by virtue ( ! application "u ?is subsection1 to ! ,secret>y4 ,! ,secret>y %all make readily available to ! public ?r\gh its websites & o!r means-- 7i7 a li/ ( ,/ates t d n require additional f9ancial in=mation sep>ate f ! ,free ,application = ,f$]al ,/ud5t ,aid & d n require asset in=mation f /ud5ts :o qualify = ! exemption f asset report+ "u section #dgi = ! purposes ( aw>d+ ,/ate s*ol>%ips & grant aid2 7ii7 a li/ ( ,/ates t require asset in=mation f /ud5ts :o qualify = ! exemption f asset report+ "u section #dgi = ! purposes ( aw>d+ ,/ate s*ol>%ips & grant aid2 7iii7 a li/ ( ,/ates t h indicat$ t !y require additional f9ancial in=mation sep>ate f ! ,free ,application = ,f$]al ,/ud5t ,aid = purposes ( aw>d+ ,/ate s*ol>%ips & grant aid2 & 7iv7 ) ! publication ( ! li/s "u ?is subp>agraph1 in=mation ab\t additional res\rces available to applicants1 includ+ l9ks to su* ,/ate websites4 7,c7 ,/udies ,! ,secret>y %all conduct /udies on ! effect ( ,/ates requir+ additional in=mation specifi$ 9 clauses 7ii7 & 7iii7 ( subp>agraph 7,b7 on ! det]m9ation ( ,/ate f9ancial aid aw>ds & :e!r ! additional in=mation requir$ is a b>ri] to college enrollm5t by exam9+-- 7i7 h[ mu* f9ancial aid aw>ds w\ld *ange if ! additional in=mation 7 n requir$2 7ii7 ! numb] ( /ud5ts :o />t$ b did n f9i% ! ,free ,application = ,f$]al ,/ud5t ,aid1 comp>$ to ! basel9e ye> ( #bjba2 & 7iii7 ! numb] ( /ud5ts :o />t$ a ,free ,application = ,f$]al ,/ud5t ,aid b did n enroll 9 an in/itution ( high] education 9 ! correspond+ academic ye>4 7#g7 ,in/itution-run f9ancial aid 7,a7 ,9 g5]al ,! ,secret>y %all conduct outrea* to in/itutions ( high] education to describe ! b5efits to /ud5ts ( rely+ solely on ! f9ancial data made available1 ^u au?orization = release by ! applicant1 z a result ( an application = aid "u ?is subsection = det]m9+ ! eligibility ( ! applicant = in/itutional f9ancial aid4 ,! ,secret>y %all make readily available to ! public ?r\gh its websites & o!r means-- 7i7 a li/ ( in/itutions t d n require additional f9ancial in=mation sep>ate f ! ,free ,application = ,f$]al ,/ud5t ,aid & d n require asset in=mation f /ud5ts :o qualify = ! exemption f asset report+ "u section #dgi = ! purpose ( aw>d+ in/itution-run f9ancial aid2 7ii7 a li/ ( in/itutions t require asset in=mation f /ud5ts :o qualify = ! exemption f asset report+ "u section #dgi = ! purpose ( aw>d+ in/itution-run f9ancial aid2 7iii7 a li/ ( in/itutions t require additional f9ancial in=mation sep>ate f ! ,free ,application = ,f$]al ,/ud5t ,aid = ! purpose ( aw>d+ in/itution-run f9ancial aid2 & 7iv7 ) ! publication ( ! li/ 9 clause 7iii71 in=mation ab\t additional res\rces available to applicants4 7#h7 ,security ( data ,! ,secret>y %all1 9 consultation ) ! ,secret>y ( ! ,treasury1 take all /eps necess>y to-- 7,a7 safegu>d ! data requir$ to be transmitt$ = ! purpose ( ?is section betwe5 ,f$]al ag5cies & to ,/ates & in/itutions ( high] education2 7,b7 secure ! transmittal ( su* data2 & 7,c7 provide guidance to ,/ates & in/itutions ( high] education reg>d+ _! obligation to ensure ! security ( ! data provid$ "u ?is section4 7#i7 ,report to congress 7,a7 ,9 g5]al ,n lat] ?an "o ye> aft] ! date ( enactm5t ( ! ,/ud5t ,aid ,improvem5t ,act ( #bjai1 ! ,secret>y %all report to ! ,committee on ,heal?1 ,education1 ,labor1 & ,p5sions ( ! ,s5ate & ! ,committee on ,education & ,labor ( ! ,h\se ( ,repres5tatives on ! progress ( ! ,secret>y 9 c>ry+ out ?is subsection1 includ+ plann+ & /akehold] consultation4 ,su* report %all include-- 7i7 b5*m>ks = implem5tation2 7ii7 entities & organization to :i* ! ,secret>y rea*$ out = consultation2 7iii7 sy/em requirem5ts = su* implem5tation & h[ !y w be address$2 7iv7 any areas ( conc]n & pot5tial problem issues uncov]$ t may hamp] su* implem5tation2 & 7v7 solutions det]m9$ to address su* issues4 7,b7 ,qu>t]ly updates ,! ,secret>y %all provide updates to ! ,committees describ$ 9 subp>agraph 7,a7-- 7i7 z to ! progress & plann+ describ$ 9 subp>agraph 7,a7 prior to implem5tation ( ! ,free ,application = ,f$]al ,/ud5t ,aid "u ?is subsection n less (t5 ?an qu>t]ly2 & 7ii7 at lea/ #f mon?s & #a ye> po/ implem5tation ( ! ,free ,application = ,f$]al ,/ud5t ,aid4 7b7 ,adju/m5ts & improvem5ts 7#a7 ,9 g5]al ,! ,secret>y %all disclose 9 a consum]-te/$ =mat1 on ! =m notify+ a /ud5t ( ! /ud5t's ,f$]al ,pell ,grant eligibility1 t ! /ud5t may1 on a case-by-case basis1 qualify = an adju/m5t "u section #dgi;,a to ! co/ ( att5dance or ! values ( ! data items requir$ to calculate ! ,f$]al ,pell ,grant or ! ne$ analysis = ! /ud5t or p>5t4 ,su* disclosure %all specify-- 7,a7 examples ( ! special circum/ances "u :i* a /ud5t or family memb] may qualify = su* adju/m5t or det]m9ation ( indep5d5ce2 & 7,b7 additional in=mation reg>d+ ! /eps a /ud5t or family memb] may take 9 ord] to seek an adju/m5t "u section #dgi;,a4 7#b7 ,consum] te/+ 7,a7 ,9 g5]al ,! developm5t ( ! ,free ,application = ,f$]al ,/ud5t ,aid "u ?is section %all be consum] te/$ ) prospective fir/-g5]ation college /ud5ts & families z well z l[-income individuals & families4 7,b7 ,updates ,= aw>d ye> #bjba & ea* f\r? succe$+ aw>d ye> !reaft]1 ! design ( ! ,free ,application = ,f$]al ,/ud5t ,aid %all be updat$ bas$ on additional consum] te/+ ) ! populations describ$ 9 subp>agraph 7,a7 9 ord] to improve communication4 7#c7 ,languages = fafsa ,! ,secret>y1 9 conjunction ) ! ,director ( ! ,c5sus ,bureau1 %all det]m9e ! mo/ common languages spok5 at home 9 ! ,unit$ ,/ates & %all develop v]sions ( ! ,free ,application = ,f$]al ,/ud5t ,aid =m 9 ea* ( ^? languages4 7#d7 ,reapplication 9 a succe$+ academic ye> ,9 ord] to /reaml9e applicant's exp]i5ce apply+ = f9ancial aid1 ! ,secret>y %all all[ an applicant :o electronically applies = f9ancial assi/ance "u ?is title = an academic ye> subsequ5t to an academic ye> = :i* su* applicant appli$ = f9ancial assi/ance "u ?is title to automatically electronically import all ( ! applicant's 7includ+ p>5ts1 gu>dians1 or sp\ses1 z applicable7 id5tify+1 demographic1 & s*ool data f ! previ\s application & to update su* in=mation to reflect any circum/ances t h *ang$4 7#e7 ,te*nology accessibility ,! ,secret>y %all make ! application "u ?is section available ?r\gh ! preval5t te*nology4 ,su* te*nology %all1 at a m9imum1 enable applicants to-- 7,a7 save data2 & 7,b7 submit ! application "u ?is title to ! ,secret>y ?r\gh su* te*nology4 7#f7 ,v]ification burd5 ,! ,secret>y %all-- 7,a7 to ! maximum ext5t practicable1 /reaml9e & simplify ! process ( v]ification = applicants = ,f$]al f9ancial aid2 7,b7 9 e/abli%+ policies & proc$ures to v]ify applicants' eligibility = ,f$]al f9ancial aid1 consid]-- 7i7 ! burd5 plac$ on l[-income applicants2 7ii7 ! risk to l[-income applicants ( fail+ to enroll or complete f be+ select$ = v]ification2 7iii7 ! effectiv5ess ( ! policies & proc$ures 9 safegu>d+ aga9/ a net co/ to taxpay]s2 & 7iv7 ! reasons = ! s\rce ( any improp] paym5ts2 & 7,c7 issue a report n less (t5 ?an annually %>+ ! p]c5tage ( applicants subject to v]ification1 :e!r ! applicants ultimately receiv$ ,f$]al f9ancial aid disbursem5ts1 & :e!r ! /ud5t aid index *ang$ en\gh to affect ! applicant's aw>d ( any ,f$]al f9ancial aid "u ?is title4 7c7 ,data & in=mation 7#a7 ,9 g5]al ,! ,secret>y %all publi% data 9 a publicly accessible mann]-- 7,a7 annually on ! total numb] ( ,free ,applications = ,f$]al ,/ud5t ,aid submitt$ by application cycle1 disaggregat$ by demographic *>act]i/ics1 type ( in/itution or in/itutions ( high] education to :i* ! applicant appli$1 ! applicant's ,/ate ( legal resid5ce1 & high s*ool & public s*ool di/rict2 7,b7 qu>t]ly on ! total numb] ( ,free ,applications = ,f$]al ,/ud5t ,aid submitt$ by application cycle1 disaggregat$ by type ( in/itution or in/itutions ( high] education to :i* ! applicant appli$1 ! applicant's ,/ate ( legal resid5ce1 & high s*ool & public s*ool di/rict2 7,c7 weekly on ! total numb] ( ,free ,applications = ,f$]al ,/ud5t ,aid submitt$1 disaggregat$ by high s*ool & public s*ool di/rict2 & 7,d7 annually on ! numb] ( individuals :o apply = ,f$]al f9ancial aid pursuant to ?is section :o indicat$ !y are a homeless *ild or y\? 7z def9$ 9 section #gbe ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act71 an unaccompani$ y\?1 or a fo/] c>e y\?4 7#b7 ,cont5ts ,! data describ$ 9 p>agraph 7#a7 ) respect to homeless *ildr5 & y\? %all include1 at a m9imum1 = ea* application cycle-- 7,a7 ! total numb] ( all applicants :o 7 det]m9$ to be individuals describ$ 9 section #dhj7;d77#a77;,h72 & 7,b7 ! numb] ( applicants describ$ 9 subp>agraph 7,a71 disaggregat$-- 7i7 by ,/ate2 & 7ii7 by ! s\rces ( det]m9ation z describ$ 9 clauses 7i7 ?r\gh 7iv7 ( section #dhj7;d77#a77;,h74 7#c7 ,data %>+ ,! ,secret>y may ent] into data %>+ agreem5ts ) ! appropriate ,f$]al or ,/ate ag5cies to connect applicants ) ! means-te/$ ,f$]al b5efit programs describ$ 9 subsection 7a77#b77;,b77ii77,,xv7 = :i* ! applicants may be eligible4 7d7 ,ensur+ =m usability 7#a7 ,signature ,not)/&+ any o!r provision ( ?is title1 ! ,secret>y may p]mit ! ,free ,application = ,f$]al ,/ud5t ,aid to be submitt$ )\t a signature1 if a signature is subsequ5tly submitt$ by ! applicant1 or if ! applicant uses an access device provid$ by ! ,secret>y4 7#b7 ,free prep>ation au?oriz$ ,not)/&+ any provision ( ?is title1 an applicant may use a prep>] = consultative or prep>ation s]vices = ! completion ( ! ,free ,application = ,f$]al ,/ud5t ,aid )\t *>g+ a fee to ! applicant if ! prep>]-- 7,a7 includes1 at ! "t ! application is submitt$ to ! ,dep>tm5t1 ! "n1 address or employ]'s address1 social security numb] or employ] id5tification numb]1 & organizational affiliation ( ! prep>] on ! applicant's =m2 7,b7 is subject to ! same p5alties z an applicant = purposely giv+ false or mislead+ in=mation 9 ! application2 7,c7 cle>ly in=ms ea* individual ^u initial contact1 t ! ,free ,application = ,f$]al ,/ud5t ,aid is a free =m t may be complet$ )\t pr(essional assi/ance2 & 7,d7 does n produce1 use1 or dissem9ate any o!r =m = ! purpose ( apply+ = ,f$]al f9ancial aid o!r ?an ! ,free ,application = ,f$]al ,/ud5t ,aid =m develop$ by ! ,secret>y "u ?is section4 7#c7 ,*>ges to /ud5ts & p>5ts = use ( =ms prohibit$ ,! ne$ & eligibility ( a /ud5t = f9ancial assi/ance "u ?is title may be det]m9$ only by us+ ! ,free ,application = ,f$]al ,/ud5t ,aid develop$ by ! ,secret>y "u ?is section4 ,su* application %all be produc$1 di/ribut$1 & process$ by ! ,secret>y1 & no p>5t or /ud5t %all be *>g$ a fee by ! ,secret>y1 a contractor1 a ?ird-p>ty s]vic] or private s(tw>e provid]1 or any o!r public or private entity = ! collection1 process+1 or deliv]y ( ,f$]al f9ancial aid ?r\gh ! use ( su* application4 ,no data collect$ on a =m = :i* a fee is *>g$ %all be us$ to complete ! ,free ,application = ,f$]al ,/ud5t ,aid prescrib$ "u ?is section1 except t a ,f$]al or ,/ate income tax =m prep>$ by a paid income tax prep>] or prep>] s]vice = ! prim>y purpose ( fil+ a ,f$]al or ,/ate income tax return may be us$ to complete ! ,free ,application = ,f$]al ,/ud5t ,aid prescrib$ "u ?is section4 7#d7 ,application process+ cycle ,! ,secret>y %all enable /ud5ts to submit a ,free ,application = ,f$]al ,/ud5t ,aid develop$ "u ?is section & initiate ! process+ ( su* application1 n lat] ?an ,janu>y #a ( ! /ud5t's plann$ ye> ( enrollm5t1 to ! maximum ext5t practicable1 on or ar\nd ,octob] #a prior to ! /ud5t's plann$ ye> ( enrollm5t4 7#e7 ,e>ly e/imates ,! ,secret>y %all ma9ta9 an electronic me?od = applicants to ent] income & family size in=mation to calculate a non-b9d+ e/imate ( ! applicant's ,f$]al f9ancial aid available "u ?is title & %all place su* calculator on a prom95t location at ! beg9n+ ( ! ,free ,application = ,f$]al ,/ud5t ,aid4 4 7n7 ,/ud5t eligibility ,section #dhd 7#bj ,u4,s4,c4 #ajia7 is am5d$-- 7#a7 by /rik+ subsection 7q7 & ins]t+ ! foll[+3 7q7 ,use ( income data ) ,,irs ,! ,secret>y1 9 coop]ation ) ! ,secret>y ( ! ,treasury1 %all fulfill ! data transf] requirem5ts "u section #fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 2 7#b7 by /rik+ subsection 7r72 7#c7 by r$esignat+ subsections 7s7 & 7t7 z subsections 7r7 & 7s71 respectively2 & 7#d7 by add+ at ! end ! foll[+3 7t7 ,exception to requir$ regi/ration ) ! selective s]vice sy/em ,not)/&+ section #ab7;f7 ( ! ,milit>y ,selective ,s]vice ,act 7#ej ,u4,s4,c4 #chaa7;f771 an individual %all n be ineligible = assi/ance or a b5efit provid$ "u ?is title if ! individual is requir$ "u section #c ( su* ,act 7#ej ,u4,s4,c4 #chjb7 to pres5t himself = & submit to regi/ration "u su* section & fails to d s 9 accordance ) any proclamation issu$ "u su* section1 or 9 accordance ) any rule or regulation issu$ "u su* section4 4 7o7 ,in/itutional & f9ancial assi/ance in=mation = /ud5ts ,section #dhe 7#bj ,u4,s4,c4 #ajib7 is am5d$ by /rik+ subsection 7k74 7p7 ,e>ly aw>5ess ( f9ancial aid eligibility ,section #dhe;,e 7#bj ,u4,s4,c4 #ajib;f7 is am5d$ to read z foll[s3 #dhe;,e4 ,e>ly aw>5ess ( f9ancial aid eligibility 7a7 ,9 g5]al ,! ,secret>y %all implem5t e>ly outrea* activities 9 ord] to provide prospective /ud5ts & families ) e>ly in=mation ab\t f9ancial aid & e/imates ( su* prospective /ud5ts' eligibility = f9ancial aid4 ,su* e>ly outrea* activities %all include ! activities describ$ 9 subsections 7b71 7c71 & 7d74 7b7 ,pell grant e>ly aw>5ess 7#a7 ,9 g5]al ,! ,secret>y %all produce a consum]-te/$ me?od ( e/imat+ /ud5t eligibility = ,f$]al ,pell ,grants outl9$ 9 section #dja7;b7 utiliz+ ! v>iables ( family size & adju/$ gross income1 & pres5t$ 9 electronic =mat4 ,!re %all be a me?od = /ud5ts to indicate :e!r !y are1 or w be 9-- 7,a7 a s+le p>5t h\sehold2 7,b7 a h\sehold ) two p>5ts2 or 7,c7 a h\sehold ) no *ildr5 or dep5d5ts4 7#b7 ,consum] te/+ 7,a7 ,9 g5]al ,! me?od ( e/imat+ eligibility describ$ 9 p>agraph 7#a7 %all be consum] te/$ ) prospective fir/-g5]ation /ud5ts & families z well z l[-income individuals & families4 7,b7 ,updates ,= aw>d ye> #bjbb-bjbc & ea* f\r? succe$+ aw>d ye> !reaft]1 ! design ( ! me?od ( e/imat+ eligibility %all be updat$ bas$ on additional consum] te/+ ) ! populations describ$ 9 subp>agraph 7,a74 7#c7 ,di/ribution ,! me?od ( e/imat+ eligibility describ$ 9 p>agraph 7#a7 %all be-- 7,a7 made publicly & prom95tly available on ! ,dep>tm5t ( ,education website2 & 7,b7 actively %>$ by ! ,secret>y )-- 7i7 in/itutions ( high] education p>ticipat+ 9 programs "u ?is title2 7ii7 all middle & second>y s*ools eligible = funds "u "p ,a ( title ,i ( ! ,elem5t>y & ,second>y ,education ,act ( #aife2 & 7iii7 local educational ag5cies & middle s*ools & second>y s*ools t s]ve /ud5ts n less ?an #be p]c5t ( :om meet a measure ( pov]ty z describ$ 9 section #aaac7;a77#e7 ( ! ,elem5t>y & ,second>y ,education ,act ( #aife4 7#d7 ,electronic e/imator ,9 accordance ) subsection 7d77#e7 ( section #dhc1 ! ,secret>y %all ma9ta9 an electronic me?od = applicants to ent] income & family size in=mation to calculate a non-b9d+ e/imate ( ! applicant's ,f$]al f9ancial aid available "u ?is title & %all place su* calculator on a prom95t location on ! ,,fafsa website4 7c7 ,e>ly aw>5ess plans ,! ,secret>y %all e/abli% & implem5t e>ly aw>5ess plans to provide e>ly in=mation ab\t ! availability ( ,f$]al f9ancial aid & e/imates ( prospective /ud5ts' eligibility = ,f$]al f9ancial aid z well z to promote ! atta9m5t ( po/second>y education specifically among prospective fir/-g5]ation /ud5ts & families z well z l[-income individuals & families1 z foll[s3 7#a7 ,aw>5ess plans = l[-income *ildr5 7,a7 ,9 g5]al ,! ,secret>y %all develop plans to dissem9ate in=mation ab\t ! availability ( ,f$]al f9ancial aid "u ?is title1 9 addition to & 9 coord9ation ) ! di/ribution ( ! me?od ( e/imat+ eligibility "u subsection 7b71 to-- 7i7 all middle s*ools & second>y s*ools eligible = funds "u "p ,a ( title ,i ( ! ,elem5t>y & ,second>y ,education ,act ( #aife2 7ii7 local educational ag5cies & middle s*ools & high s*ools t s]ve /ud5ts n less ?an #be p]c5t ( :om meet a measure ( pov]ty z describ$ 9 section #aaac7;a77#e7 ( ! ,elem5t>y & ,second>y ,education ,act2 & 7iii7 h\seholds receiv+ assi/ance "u ! supplem5tal nutrition assi/ance program e/abli%$ "u ! ,food & ,nutrition ,act ( #bjjh 7#g ,u4,s4,c4 #bjaa et seq474 7,b7 ,report+ & updates ,! ,secret>y %all po/ ! in=mation ab\t ! plans "u subp>agraph 7,a7 & associat$ goals publicly on ! ,dep>tm5t ( ,education website4 ,on an annual basis1 ! ,secret>y %all report qualitative & quantitative outcomes reg>d+ ! implem5tation ( ! plans "u subp>agraph 7,a74 ,! ,secret>y %all review & update su* plans n less (t5 ?an e #d aw>d ye>s ) ! goal ( progressively increas+ ! impact ( ! activities "u ?is p>agraph4 7,c7 ,p>tn]%ip ,! ,secret>y may p>tn] ) ,/ates1 ,/ate sy/ems ( high] education1 in/itutions ( high] education1 or college access organizations to c>ry out ?is p>agraph4 7#b7 ,int]ag5cy coord9ation plans 7,a7 ,9 g5]al ,! ,secret>y %all develop int]ag5cy coord9ation plans 9 ord] to in=m m prospective /ud5ts & families1 includ+ l[-income individuals or families1 ab\t ! availability ( ,f$]al f9ancial aid "u ?is title ?r\gh p>ticipation 9 exi/+ ,f$]al programs or tax b5efits t s]ve l[-income individuals or families1 9 coord9ation ) ! foll[+ ,secret>ies3 7i7 ,! ,secret>y ( ! ,treasury4 7ii7 ,! ,secret>y ( ,labor4 7iii7 ,! ,secret>y ( ,heal? & ,human ,s]vices4 7iv7 ,! ,secret>y ( ,agriculture4 7v7 ,! ,secret>y ( ,h\s+ & ,urban ,developm5t4 7vi7 ,! ,secret>y ( ,comm]ce4 7vii7 ,! ,secret>y ( ,vet]ans ,affairs4 7,b7 ,process1 activities1 & goals ,ea* int]ag5cy coord9ation plan "u subp>agraph 7,a7 %all-- 7i7 e/abli% a process to id5tify opportunities 9 :i* l[-income individuals & families c\ld be in=m$ ( ! availability ( ,f$]al f9ancial aid "u ?is title ?r\gh access to o!r ,f$]al programs t s]ve l[-income individuals & families2 7ii7 e/abli% a process to id5tify me?ods to effectively in=m l[-income individuals & families ( ! availability ( ,f$]al f9ancial aid = po/second>y education "u ?is title2 7iii7 develop e>ly aw>5ess activities t align ) ! opportunities & me?ods id5tifi$ "u clauses 7ii7 & 7iii72 & 7iv7 e/abli% goals reg>d+ ! effects ( ! activities to be implem5t$ "u clause 7iii74 7,c7 ,report+ & updates ,! ,secret>y %all po/ ! in=mation ab\t ! int]ag5cy coord9ation plans "u subp>agraph 7,b7 & associat$ goals publicly on ! ,dep>tm5t ( ,education website4 ,on n less (t5 ?an a quadr5nial basis1 ! ,secret>y %all publicly report qualitative & quantitative outcomes reg>d+ ! implem5tation ( ! plans on ! ,dep>tm5t ( ,education website4 ,! ,secret>y %all review & update ! plans n less (t5 ?an ^u ea* *ange 9 ,secret>ial lead]%ip ) an ag5cy t is p>ty to a plan4 ,updates to ! plans %all h ! goal ( progressively increas+ ! impact ( ! activities "u ?is p>agraph by increas+ ! numb] ( l[-income applicants =1 & recipi5ts (1 ,f$]al f9ancial aid4 7#c7 ,nationwide p>ticipation 9 e>ly aw>5ess plans 7,a7 ,9 g5]al ,! ,secret>y %all solicit volunt>y public commitm5ts f entities1 su* z ,/ates1 ,/ate sy/ems ( high] education1 in/itutions ( high] education1 & o!r int]e/$ organizations1 to c>ry out e>ly aw>5ess plans1 :i* %all include goals1 to-- 7i7 notify prospective & exi/+ /ud5ts :o are l[-income individuals & families ab\t _! eligibility = ,f$]al aid "u ?is title1 z well z ,/ate-bas$ f9ancial aid1 if applicable1 on an annual basis2 7ii7 increase ! numb] ( prospective & curr5t /ud5ts :o are l[-income individuals & families fil+ ! ,free ,application = ,f$]al ,/ud5t ,aid2 & 7iii7 increase ! numb] ( prospective & curr5t /ud5ts :o are l[-income individuals & families enroll+ 9 po/second>y education4 7,b7 ,report+ & updates ,ea* entity t makes a volunt>y public commitm5t to c>ry out an e>ly aw>5ess plan may submit quantitative & qualitative data bas$ on ! entity's progress t[>d ! goals ( ! plan annually prior to a date select$ by ! ,secret>y4 7,c7 ,e>ly aw>5ess *ampions ,bas$ on data submitt$ by entities1 ! ,secret>y %all select & designate entities submitt+ public commitm5ts1 plans1 & goals1 z ,e>ly ,aw>5ess ,*ampions on an annual basis4 ,^? entities designat$ z ,e>ly ,aw>5ess ,*ampions %all provide "o or m case /udies reg>d+ ! activities ! entity und]took "u ?is p>agraph :i* %all be made public by ! ,secret>y on ! ,dep>tm5t ( ,education website to promote ! spread ( be/ practices4 7d7 ,public aw>5ess campaign 7#a7 ,9 g5]al ,! ,secret>y %all develop & implem5t a public aw>5ess campaign design$ us+ curr5t & relevant indep5d5t rese>* reg>d+ /rategies & m$ia plat=ms f\nd to be mo/ effective 9 communicat+ ) l[-income populations 9 ord] to increase national aw>5ess reg>d+ ! availability ( ,f$]al ,pell ,grants & f9ancial aid "u ?is title4 7#b7 ,coord9ation ,! public aw>5ess campaign describ$ 9 p>agraph 7#a7 %all lev]age ! activities 9 subsections 7b7 & 7c7 to highlight eligibility among l[-income populations4 ,9 develop+ & implem5t+ ! campaign1 ! ,secret>y may "w 9 coord9ation ) ,/ates1 in/itutions ( high] education1 e>ly int]v5tion & outrea* programs "u ?is title1 o!r ,f$]al ag5cies1 organizations involv$ 9 college access & /ud5t f9ancial aid1 second>y s*ools1 local educational ag5cies1 public libr>ies1 community c5t]s1 bus9esses1 employ]s1 work=ce inve/m5t bo>ds1 & organizations t provide s]vices to individuals t are or 7 homeless1 9 fo/] c>e1 or are disconnect$ y\?4 7#c7 ,report+ ,! ,secret>y %all report on ! success ( ! public aw>5ess campaign describ$ 9 p>agraph 7#a7 annually reg>d+ ! ext5t to :i* ! public & t>get populations 7 rea*$ us+ data commonly us$ to evaluate adv]tis+ & outrea* campaigns & data reg>d+ :e!r ! campaign produc$ any increase 9 applicants = ,f$]al aid "u ?is title publicly on ! ,dep>tm5t ( ,education website4 4 #d4 ,provid+ inc>c]at$ individuals ) ,f$]al ,pell ,grants 7a7 ,9 g5]al ,section #dhd 7#bj ,u4,s4,c4 #ajia71 z am5d$ by section #c7n71 is fur!r am5d$ by add+ at ! end ! foll[+3 7u7 ,conf9$ or inc>c]at$ individuals 7#a7 ,def9itions ,9 ?is subsection3 7,a7 ,conf9$ or inc>c]at$ individual ,! t]m conf9$ or inc>c]at$ individual means an individual :o is conf9$ or inc>c]at$ 9 a ,f$]al or ,/ate p5al in/itution1 a juv5ile ju/ice facility1 or a local or c\nty jail4 7,b7 ,eligible prison education program ! t]m eligible prison education program means an education or tra9+ program t-- 7i7 is an eligible program "u ?is title2 & 7ii7 has be5 approv$ to op]ate 9 a correctional facility by ! appropriate ,/ate dep>tm5t ( corrections or o!r entity t is responsible = ov]see+ correctional facilities or by ! ,bureau ( ,prisons4 7#b7 ,f$]al pell grant eligibility ,not)/&+ subsection 7a71 9 ord] = a conf9$ or inc>c]at$ individual :o o!rwise meets ! eligibility requirem5ts ( ?is title to be eligible to receive a ,f$]al ,pell ,grant "u section #dja1 ! individual %all-- 7,a7 n be inc>c]at$ ) a s5t5ce ( life )\t ! possibility ( p>ole2 & 7,b7 be enroll$ or accept$ = enrollm5t 9 an eligible prison education program at an in/itution ( high] education4 7#c7 ,ineligibility = o!r assi/ance "u ?is act ,a conf9$ or inc>c]at$ individual %all n be eligible to receive any o!r /ud5t f9ancial assi/ance "u ?is ,act except a ,f$]al ,pell ,grant 9 accordance ) ?is subsection4 7#d7 ,evaluation ,9 ord] to evaluate & improve ! impact ( activities support$ "u ?is subsection1 ! ,secret>y1 9 p>tn]%ip ) ! ,director ( ! ,in/itute = ,education ,sci5ces1 %all aw>d "o or m grants to1 or ent] into "o or m coop]ative agreem5ts )1 ) exp]i5c$ public or private in/itutions & organizations to enable ! in/itutions & organizations to conduct an ext]nal evaluation t %all-- 7,a7 exam9e 9-cu/ody outcomes & po/-release outcomes relat+ to provid+ ,f$]al ,pell ,grants to conf9$ or inc>c]at$ individuals1 includ+-- 7i7 progress t[>ds cr$5tial atta9m5t2 7ii7 safety 9 prisons ) eligible prison education programs2 7iii7 ! size ( wait+ li/s = eligible prison education programs2 7iv7 ! ext5t to :i* individuals :o 7 conf9$ or inc>c]at$ individuals receiv+ ,f$]al ,pell ,grants cont9ue _! education po/-release2 7v7 employm5t & e>n+s outcomes = su* individuals2 & 7vi7 rates ( recidivism = su* individuals2 & 7,b7 track individuals :o receiv$ ,f$]al ,pell ,grants "u ?is subsection = #a to #c ye>s aft] ! individuals' release f conf9em5t or inc>c]ation4 7#e7 ,report ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ! ,/ud5t ,aid ,improvem5t ,act ( #bjai & on at lea/ an annual basis !reaft]1 ! ,secret>y %all submit to ! au?oriz+ committees1 & make publicly available on ! website ( ! ,dep>tm5t1 a report on ! impact ( ?is subsection :i* %all include1 at a m9imum-- 7,a7 ! names & types ( in/itutions ( high] education (f]+ eligible prison education programs at :i* conf9$ or inc>c]at$ individuals are enroll$ & receiv+ ,f$]al ,pell grants2 7,b7 ! numb] ( conf9$ or inc>c]at$ individuals receiv+ ,f$]al ,pell grants2 7,c7 ! am\nt ( ,f$]al ,pell grant exp5ditures p] eligible prison education program2 7,d7 ! demographics ( conf9$ or inc>c]at$ individuals receiv+ ,f$]al ,pell ,grants2 7,e7 ! co/ ( att5dance = su* individuals2 7,f7 ! mode ( in/ruction 7su* z di/ance education1 9-p]son in/ruction1 or a comb9ation ( su* modes7 = ea* prison education program2 7,g7 in=mation on ! academic outcomes ( su* individuals 7su* z cr$its attempt$ & e>n$1 & cr$5tial & degree completion72 & 7,h7 to ! ext5t practicable1 in=mation on po/-release outcomes ( su* individuals 7su* z cont9u$ po/second>y enrollm5t1 employm5t1 & recidivism74 4 7b7 ,elim9at+ ,f$]al ,pell ,grant limitation ,section #dja7;b7 7#bj ,u4,s4,c4 #ajgj;a et seq47 is am5d$-- 7#a7 9 p>agraph 7#b77;,a77ii71 by /rik+ 7#g77;,b7 & ins]t+ 7#f77;,b72 7#b7 by /rik+ p>agraph 7#f72 & 7#c7 by r$esignat+ p>agraphs 7#g7 & 7#h7 z p>agraphs 7#f7 & 7#g71 respectively4 7c7 ,effective date ,?is section1 & ! am5dm5ts made by ?is section1 %all take effect on ,july #a1 #bjbj4 #e4 ,all[+ /ud5ts enroll$ 9 %ort-t]m programs to receive ,f$]al ,pell ,grants 7a7 ,9 g5]al ,section #dha7;b7 7#bj ,u4,s4,c4 #ajhgvv7b77 is am5d$-- 7#a7 by r$esignat+ p>agraphs 7#c7 & 7#d7 z p>agraphs 7#d7 & 7#e71 respectively2 & 7#b7 by ins]t+ aft] p>agraph 7#b7 ! foll[+3 7#c7 ,eligible job tra9+ program 7,a7 ,,wioa def9itions ,9 ?is p>agraph1 ! t]ms 9-dem& indu/ry sector or occupation1 indu/ry or sector p>tn]%ip1 local bo>d1 recogniz$ po/second>y cr$5tial1 & ,/ate bo>d h ! mean+s giv5 su* t]ms 9 section #c ( ! ,work=ce ,innovation & ,opportunity ,act 7#bi ,u4,s4,c4 #cajb74 7,b7 ,eligibility ( job tra9+ program ,an eligible job tra9+ program is an eligible program = ! purposes ( section #dja if x is a program-- 7i7 ( n less ?an #aej1 & n m ?an #fjj1 clock h\rs ( in/ruction (f]$ by an in/itution ( high] education dur+ a p]iod ( n less ?an #h weeks & n m ?an #ae weeks2 & 7ii7 t-- 7,i7 provides tra9+ align$ ) ! requirem5ts ( high-skill1 high-wage1 or 9-dem& indu/ry sectors or occupations 9 ! ,/ate or local area2 7,,ii7 provides a /ud5t1 ^u completion ( ! program1 ) a recogniz$ po/second>y cr$5tial t is recogniz$ by employ]s 9 ! relevant indu/ry1 includ+ cr$5tials recogniz$ by indu/ry or sector p>tn]%ips 9 ! relevant indu/ry 9 ! ,/ate or local area :]e ! indu/ry is locat$ & ! job tra9+ program is provid$2 7,,iii7 has be5 det]m9$ by ! in/itution ( high] education 7aft] validation ( t det]m9ation by a ,/ate bo>d1 local bo>d1 or an indu/ry or sector p>tn]%ip7 to provide academic cont5t1 an am\nt ( in/ructional "t1 & a recogniz$ po/second>y cr$5tial t are suffici5t to-- 7aa7 meet ! hir+ requirem5ts ( pot5tial employ]s2 & 7bb7 satisfy any applicable educational pr]equisite requirem5t = pr(essional lic5sure or c]tification2 7,,iv7 does n exce$ by m ?an #ej p]c5t ! m9imum numb] ( clock h\rs requir$ = tra9+ = ! occupation1 if ! ,/ate has e/abli%$ su* a requirem5t2 7,v7 7aa7 has publi%$ tuition & fees = ea* ( ! #c prec$+ aw>d ye>s t h n increas$ above ! annual rate ( inflation 7z det]m9$ by ! ,consum] ,price ,index ( ! ,dep>tm5t ( ,labor7 = ! correspond+ ye>2 & 7bb7 = ea* ye> :ile receiv+ funds "u section #dja1 w publi% tuition & fees = ! ye>1 :i* w n increase above ! rate ( inflation1 z s det]m9$1 = ! correspond+ ye>2 & 7,,vi7 demon/rates outcomes = ! mo/ rec5t ye> t meet ! level ( p]=mance or ,/ate adju/$ level ( p]=mance = ! ,/ate 9 :i* ! in/itution ( high] education is locat$ = ! foll[+ prim>y indicators ( p]=mance "u section #aaf7;b7 ( ! ,work=ce ,innovation & ,opportunity ,act = su* ye>3 7aa7 ,! p]c5tage ( program p>ticipants :o are 9 unsubsidiz$ employm5t dur+ ! second qu>t] aft] exit f ! program4 7bb7 ,! p]c5tage ( program p>ticipants :o are 9 unsubsidiz$ employm5t dur+ ! f\r? qu>t] aft] exit f ! program4 7cc7 ,! p]c5tage ( program p>ticipants :o are 9 an education or tra9+ program t leads to a recogniz$ po/second>y cr$5tial or employm5t & :o are a*iev+ measurable skill ga9s t[>d su* a cr$5tial or employm5t4 7,c7 ,approval by ! secret>y ,9 ! case ( a program t is seek+ to e/abli% eligibility z an eligible job tra9+ program "u ?is p>agraph1 ! ,secret>y %all make a det]m9ation ab\t :e!r ! program meets ! requirem5ts ( subp>agraph 7,b7 n m ?an #fj days aft] ! date on :i* ! in/itution submitt$ ! program = consid]ation z an eligible job tra9+ program4 7,d7 ,am\nt ( aw>d & inclusion 9 total eligibility p]iod 7i7 ,inclusion 9 total eligibility p]iod ,any p]iod dur+ :i* a /ud5t receives a ,f$]al ,pell ,grant "u ?is p>agraph %all be includ$ 9 calculat+ ! /ud5t's p]iod ( eligibility = ,f$]al ,pell ,grants "u section #dja7;d77#e74 7,e7 ,int]ag5cy data %>+ ,= ! purposes ( subp>agraph 7,b77ii77,,vi71 ! ,secret>y may coord9ate & ent] into a data %>+ agreem5t ) ! ,secret>y ( ,labor to ensure access to data on indicators ( p]=mance collect$ "u section #aaf ( ! ,work=ce ,innovation & ,opportunity ,act 7#bi ,u4,s4,c4 #cada74 4 7b7 ,effective date ,?is section %all take effect on ,july #a1 #bjba4 #f4 ,support+ /ud5t af=dability by inve/+ 9 ! ,f$]al ,pell ,grant ,section #dja 7#bj ,u4,s4,c4 #ajgj;a7 is am5d$-- 7#a7 9 subsection 7a77#a71 by /rik+ #bjag & ins]t+ #bjba2 & 7#b7 9 subsection 7c77#g77;,c7-- 7,a7 9 ea* ( clauses 7i77,i7 & 7ii77,i71 by /rik+ 7iv77,,ii7 & ins]t+ 7v77,,ii72 7,b7 9 clause 7iii7-- 7i7 by /rik+ ! clause head+ & ins]t+ ,aw>d ye>s #bjah-bjai & #bjai-bjbj4--2 & 7ii7 by /rik+ & ea* subsequ5t aw>d ye>2 7,c7 by r$esignat+ clause 7iv7 z clause 7v72 & 7,d7 by ins]t+ aft] clause 7iii7 ! foll[+3 7iv7 ,aw>d ye> #bjbj-bjba & subsequ5t aw>d ye>s ,= aw>d ye> #bjbj-bjba & ea* subsequ5t aw>d ye>1 ! am\nt det]m9$ "u ?is subp>agraph = purposes ( subp>agraph 7,b77iii7 %all be equal to #a1jhj4 4 #g4 ,f$]al ,pell ,grants3 am\nt & det]m9ations2 applications 7a7 ,f$]al ,pell ,grants ,beg9n+ on ! effective date describ$ 9 subsection 7b71 section #dja 7#bj ,u4,s4,c4 #ajgj;a71 z am5d$ by sections #e & #f1 is fur!r am5d$ to read z foll[s3 #dja4 ,f$]al ,pell ,grants3 am\nt & det]m9ations2 applications 7a7 ,purpose2 def9itions 7#a7 ,purpose ,! purpose ( ?is subp>t is to provide a ,f$]al ,pell ,grant to l[-income /ud5ts4 7#b7 ,def9itions ,9 ?is section-- 7,a7 ! t]m adju/$ gross income means-- 7i7 9 ! case ( a dep5d5t /ud5t1 ! adju/$ gross income 7z def9$ 9 section #fb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( ! /ud5t's p>5ts 9 ! second tax ye> prec$+ ! academic ye>2 & 7ii7 9 ! case ( an indep5d5t /ud5t1 ! adju/$ gross income 7z def9$ 9 section #fb ( ! ,int]nal ,rev5ue ,code ( #aihf7 ( ! /ud5t 7& ! /ud5t's sp\se1 if applicable7 9 ! second tax ye> prec$+ ! academic ye>2 7,b7 ! t]m family size has ! mean+ giv5 ! t]m 9 section #dhj7l72 7,c7 ! t]m pov]ty l9e means ! pov]ty l9e 7z det]m9$ "u ! pov]ty guidel9es updat$ p]iodically 9 ! ,f$]al ,regi/] by ! ,dep>tm5t ( ,heal? & ,human ,s]vices "u ! au?ority ( section #fgc7b7 ( ! ,community ,s]vices ,block ,grant ,act 7#db ,u4,s4,c4 #iijb7b777 applicable to ! /ud5t's family size & applicable to ! second tax ye> prec$+ ! academic ye>2 7,d7 ! t]m s+le p>5t means-- 7i7 a p>5t ( a dep5d5t /ud5t :o 0 a head ( h\sehold 7z def9$ 9 section #b7;b7 ( ! ,int]nal ,rev5ue ,code ( #aihf7 or a surviv+ sp\se 7z def9$ 9 section #b7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf7 or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( su* ,code1 9 ! second tax ye> prec$+ ! academic ye>2 or 7ii7 an indep5d5t /ud5t :o 0 a head ( h\sehold 7z def9$ 9 section #b7;b7 ( ! ,int]nal ,rev5ue ,code ( #aihf7 or a surviv+ sp\se 7z def9$ 9 section #b7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf7 or 0 an eligible individual = purposes ( ! cr$it "u section #cb ( su* ,code1 9 ! second tax ye> prec$+ ! academic ye>2 7,e7 ! t]m total maximum ,f$]al ,pell ,grant means ! total maximum ,f$]al ,pell ,grant aw>d p] /ud5t = any academic ye> describ$ "u p>agraph 7#e72 & 7,f7 ! t]m m9imum ,f$]al ,pell ,grant means ! m9imum am\nt ( a ,f$]al ,pell ,grant t %all be aw>d$ to a /ud5t eligible "u ?is subp>t = any academic ye> 9 :i* t /ud5t is att5d+ full "t1 :i* %all be equal to #aj p]c5t ( ! total maximum ,f$]al ,pell ,grant = su* academic ye>4 7b7 ,am\nt & di/ribution ( grants 7#a7 ,det]m9ation ( am\nt ( a ,f$]al ,pell ,grant ,subject to p>agraphs 7#b7 & 7#c71 ! am\nt ( a ,f$]al ,pell ,grant = a /ud5t eligible "u ?is subp>t %all be det]m9$ 9 accordance ) ! foll[+3 7,a7 ,a /ud5t eligible "u ?is subp>t %all be eligible = a total maximum ,f$]al ,pell ,grant = an academic ye> 9 :i* ! /ud5t is enroll$ 9 an eligible program full "t-- 7i7 if ! /ud5t or1 9 ! case ( a dep5d5t /ud5t1 ! dep5d5t /ud5t's p>5t1 is n requir$ to file a ,f$]al income tax return 9 ! second ye> prec$+ ! academic ye>2 7ii7 if ! /ud5t or1 9 ! case ( a dep5d5t /ud5t1 ! dep5d5t /ud5t's p>5t1 is a s+le p>5t1 if ! adju/$ gross income is equal to or less ?an #baj p]c5t ( ! pov]ty l9e2 or 7iii7 if ! /ud5t or1 9 ! case ( a dep5d5t /ud5t1 ! dep5d5t /ud5t's p>5t1 is n a s+le p>5t1 if ! adju/$ gross income is equal to or less ?an #afj p]c5t ( ! pov]ty l9e4 7,b7 ,a /ud5t eligible "u ?is subp>t :o is n eligible = a total maximum ,f$]al ,pell ,grant "u subp>agraph 7,a7 = an academic ye>1 %all be eligible = a ,f$]al ,pell ,grant = an academic ye> 9 :i* ! /ud5t is enroll$ 9 an eligible program full "t 9 an am\nt t is n m ?an ! am\nt det]m9$ 9 accordance ) ! foll[+3 7i7 ,if ! /ud5t or1 9 ! case ( a dep5d5t /ud5t1 ! dep5d5t /ud5t's p>5t1 is a s+le p>5t & ! adju/$ gross income is great] ?an #baj p]c5t ( ! pov]ty l9e & is less ?an #caj p]c5t ( ! pov]ty l9e1 ! am\nt %all be equal to ! great] (-- 7,i7 ! m9imum ,f$]al ,pell ,grant = ! academic ye>2 & 7,,ii7 ! total maximum ,f$]al ,pell ,grant = ! academic ye>1 m9us ! product (-- 7aa7 ! adju/$ gross income1 less an am\nt equal to #baj p]c5t ( ! pov]ty l9e2 & 7bb7 ! total maximum ,f$]al ,pell ,grant = ! academic ye>1 divid$ by an am\nt equal to #ajj p]c5t ( ! pov]ty l9e4 7ii7 ,if ! /ud5t or1 9 ! case ( a dep5d5t /ud5t1 ! dep5d5t /ud5t's p>5t1 is n a s+le p>5t & ! adju/$ gross income is great] ?an #afj p]c5t ( ! pov]ty l9e & is less ?an #bfj p]c5t ( ! pov]ty l9e1 ! am\nt %all be equal to ! great] (-- 7,i7 ! m9imum ,f$]al ,pell ,grant = ! academic ye>2 & 7,,ii7 ! total maximum ,f$]al ,pell ,grant = ! academic ye>1 m9us ! product (-- 7aa7 ! adju/$ gross income1 less an am\nt equal to #afj p]c5t ( ! pov]ty l9e2 & 7bb7 ! total maximum ,f$]al ,pell ,grant = ! academic ye>1 divid$ by an am\nt equal to #ajj p]c5t ( ! pov]ty l9e4 7#b7 ,less ?an full-"t enrollm5t ,9 any case :]e a /ud5t is enroll$ 9 an eligible program ( an in/itution ( high] education on less ?an a full-"t basis 7includ+ a /ud5t :o att5ds an in/itution ( high] education on less ?an a half-"t basis7 dur+ any academic ye>1 ! am\nt ( ! ,f$]al ,pell ,grant to :i* t /ud5t is entitl$ %all be r$uc$ 9 direct proportion to ! degree to :i* t /ud5t is n s enroll$ on a full-"t basis1 r\nd$ to ! ne>e/ :ole p]c5tage po9t1 z provid$ 9 a s*$ule ( r$uctions publi%$ by ! ,secret>y comput$ 9 accordance ) ?is subp>t4 ,su* s*$ule ( r$uctions %all be publi%$ 9 ! ,f$]al ,regi/] 9 accordance ) section #dhb ( ?is ,act4 ,su* r$uc$ ,f$]al ,pell ,grant = a /ud5t enroll$ on a less ?an full-"t basis %all also apply proportionally to /ud5ts :o are o!rwise eligible to receive ! m9imum ,f$]al ,pell ,grant1 if enroll$ full-"t4 7#c7 ,aw>d may n exce$ co/ ( att5dance ,no ,f$]al ,pell ,grant "u ?is subp>t %all exce$ ! co/ ( att5dance 7z def9$ 9 section #dgb7 at ! in/itution at :i* t /ud5t is 9 att5dance4 ,if1 ) respect to any /ud5t1 x is det]m9$ t ! am\nt ( a ,f$]al ,pell ,grant = t /ud5t exce$s ! co/ ( att5dance = t ye>1 ! am\nt ( ! ,f$]al ,pell ,grant %all be r$uc$ until ! ,f$]al ,pell ,grant does n exce$ ! co/ ( att5dance at su* in/itution4 7#d7 ,/udy abroad ,not)/&+ any o!r provision ( ?is subp>t1 ! ,secret>y %all all[ ! am\nt ( ! ,f$]al ,pell ,grant to be exce$$ = /ud5ts p>ticipat+ 9 a program ( /udy abroad approv$ = cr$it by ! in/itution at :i* ! /ud5t is enroll$ :5 ! reasonable co/s ( su* program are great] ?an ! co/ ( att5dance at ! /ud5t's home in/itution1 except t ! am\nt ( su* ,f$]al ,pell ,grant 9 any fiscal ye> %all n exce$ ! maximum am\nt ( a ,f$]al ,pell ,grant = :i* a /ud5t is eligible "u p>agraph 7#a7 or 7#b7 dur+ su* aw>d ye>4 ,if ! prec$+ s5t5ce applies1 ! f9ancial aid adm9i/rator at ! home in/itution may use ! co/ ( ! /udy abroad program1 r ?an ! home in/itution's co/1 to det]m9e ! co/ ( att5dance ( ! /ud5t4 7#e7 ,total maximum f$]al pell grant 7,a7 ,9 ,g5]al ,= aw>d ye> #bjba-bjbb1 & ea* subsequ5t aw>d ye>1 ! total maximum ,f$]al ,pell ,grant aw>d p] /ud5t %all be equal to ! sum (-- 7i7 #a1jhj2 & 7ii7 ! am\nt specifi$ z ! maximum ,f$]al ,pell ,grant 9 ! la/ enact$ appropriation ,act applicable to t aw>d ye>4 7,b7 ,r\nd+ ,! total maximum ,f$]al ,pell ,grant = any aw>d ye> %all be r\nd$ to ! ne>e/ #e4 7#f7 ,funds by fiscal ye> ,to c>ry out ?is section = ea* ( fiscal ye>s #bjba ?r\gh #bjcj-- 7,a7 !re are au?oriz$ to be appropriat$ & are appropriat$ 79 addition to any o!r am\nts appropriat$ to c>ry out ?is section & out ( any money 9 ! ,treasury n o!rwise appropriat$7 su* sums z are necess>y to c>ry out p>agraph 7#e77;,a77i72 & 7,b7 su* sums z may be necess>y are au?oriz$ to be appropriat$ to c>ry out p>agraph 7#e77;,a77ii74 7#g7 ,appropriation 7,a7 ,9 g5]al ,9 addition to any funds appropriat$ "u p>agraph 7#f7 & any funds made available = ?is section "u any appropriations ,act1 !re are au?oriz$ to be appropriat$1 & !re are appropriat$ 7out ( any money 9 ! ,treasury n o!rwise appropriat$7 to c>ry out ?is section1 #a1ade1jjj1jjj = fiscal ye> #bjba & ea* subsequ5t aw>d ye>4 7,b7 ,no effect on previ\s appropriations ,! am5dm5ts made to ?is section by ! ,/ud5t ,aid ,improvem5t ,act ( #bjai %all n-- 7i7 increase or decrease ! am\nts t h be5 appropriat$ or are available to c>ry out ?is section = fiscal ye> #bjag1 #bjah1 #bjai1 or #bjbj z ( ! day be=e ! effective date ( su* ,act2 or 7ii7 ext5d ! p]iod ( availability = obligation t appli$ to any su* am\nt1 z ( ! day be=e su* effective date4 7#h7 ,me?od ( di/ribution 7,a7 ,9 g5]al ,= ea* fiscal ye> ?r\gh fiscal ye> #bjcj1 ! ,secret>y %all pay to ea* eligible in/itution su* sums z may be necess>y to pay ea* eligible /ud5t = ea* academic ye> dur+ :i* t /ud5t is 9 att5dance at an in/itution ( high] education z an und]graduate1 a ,f$]al ,pell ,grant 9 ! am\nt = :i* t /ud5t is eligible4 7,b7 ,alt]native disbursem5t ,no?+ 9 ?is section %all be int]pret$ to prohibit ! ,secret>y f pay+ directly to /ud5ts1 9 advance ( ! beg9n+ ( ! academic t]m1 an am\nt = :i* !y are eligible1 9 ! cases :]e an eligible in/itution does n p>ticipate 9 ! disbursem5t sy/em "u subp>agraph 7,a74 7#i7 ,additional paym5t p]iods 9 same aw>d ye> 7,a7 ,effective 9 ! #bjag-bjah aw>d ye> & !reaft]1 ! ,secret>y %all aw>d an eligible /ud5t n m ?an "o & "o-half ,f$]al ,pell ,grants dur+ a s+le aw>d ye> to p]mit su* /ud5t to "w t[>d completion ( an eligible program if1 dur+ t s+le aw>d ye>1 ! /ud5t has receiv$ a ,f$]al ,pell ,grant = an aw>d ye> & is enroll$ 9 an eligible program = "o or m additional paym5t p]iods dur+ ! same aw>d ye> t are n o!rwise fully cov]$ by ! /ud5t's ,f$]al ,pell ,grant4 7,b7 ,9 ! case ( a /ud5t receiv+ m ?an "o ,f$]al ,pell ,grant 9 a s+le aw>d ye> "u subp>agraph 7,a71 ! total am\nt ( ,f$]al ,pell ,grants aw>d$ to su* /ud5t = ! aw>d ye> may exce$ ! total maximum ,f$]al ,pell ,grant available = an aw>d ye>4 7,c7 ,any p]iod ( /udy cov]$ by a ,f$]al ,pell ,grant aw>d$ "u subp>agraph 7,a7 %all be includ$ 9 det]m9+ a /ud5t's duration limit "u subsection 7d77#e74 7,d7 ,9 any case :]e an eligible /ud5t is receiv+ a ,f$]al ,pell ,grant = a paym5t p]iod t spans #b aw>d ye>s1 ! ,secret>y %all all[ ! eligible in/itution 9 :i* ! /ud5t is enroll$ to det]m9e ! aw>d ye> to :i* ! additional p]iod %all be assign$1 z x det]m9es is mo/ b5eficial to /ud5ts4 7c7 ,special rule 7#a7 ,9 g5]al ,not)/&+ any o!r provision ( ?is title1 ! total maximum ,f$]al ,pell ,grant %all be provid$ to a /ud5t describ$ 9 p>agraph 7#b74 7#b7 ,applicability ,p>agraph 7#a7 %all apply to any dep5d5t or indep5d5t /ud5t-- 7,a7 :o is eligible to receive a ,f$]al ,pell ,grant = ! aw>d ye> = :i* ! det]m9ation is made2 7,b7 ^: p>5t or gu>dian 0-- 7i7 an individual :o1 on or aft] ,septemb] #aa1 #bjja1 di$ 9 ! l9e ( duty :ile s]v+ on active duty z a memb] ( ! ,arm$ ,=ces2 or 7ii7 actively s]v+ z a public safety (fic] & di$ 9 ! l9e ( duty :ile p]=m+ z a public safety (fic]2 & 7,c7 :o is less ?an #cc ye>s ( age4 7#c7 ,in=mation ,not)/&+ any o!r provision ( law1 ! ,secret>y %all e/abli% ! necess>y data-%>+ agreem5ts ) ! ,secret>y ( ,vet]ans ,affairs & ! ,secret>y ( ,def5se1 z appropriate1 to provide ! in=mation necess>y to det]m9e :i* /ud5ts meet ! requirem5ts ( p>agraph 7#b74 7#d7 ,treatm5t ( ,pell am\nt ,not)/&+ section #abab ( ! ,omnibus ,crime ,control & ,safe ,/reets ,act ( #aifh 7#cd ,u4,s4,c4 #ajcjb71 9 ! case ( a /ud5t :o receives an increas$ ,f$]al ,pell ,grant am\nt "u ?is section1 ! total am\nt ( su* ,f$]al ,pell ,grant1 includ+ ! increase "u ?is subsection1 %all n be consid]$ 9 calculat+ t /ud5t's educational assi/ance b5efits "u ! ,public ,safety ,(fic]s' ,b5efits program "u subp>t #b ( "p ,l ( title ,i ( su* ,act4 7#e7 ,def9ition ( public safety (fic] ,= purposes ( ?is subsection1 ! t]m public safety (fic] means-- 7,a7 a public safety (fic]1 z def9$ 9 section #abjd ( title ,i ( ! ,omnibus ,crime ,control & ,safe ,/reets ,act ( #aifh 7#cd ,u4,s4,c4 #ajbhd72 or 7,b7 a fire police (fic]1 def9$ z an individual :o-- 7i7 is s]v+ 9 accordance ) ,/ate or local law z an (ficially recogniz$ or designat$ memb] ( a legally organiz$ public safety ag5cy2 7ii7 is n a law en=cem5t (fic]1 a firefight]1 a *apla91 or a memb] ( a rescue squad or ambulance crew2 & 7iii7 provides sc5e security or directs traffic-- 7,i7 9 response to any fire drill1 fire call1 or o!r fire1 rescue1 or police em]g5cy2 or 7,,ii7 at a plann$ special ev5t4 7d7 ,p]iod ( eligibility = grants 7#a7 ,9 ,g5]al ,! p]iod dur+ :i* a /ud5t may receive ,f$]al ,pell ,grants %all be ! p]iod requir$ = ! completion ( ! fir/ und]graduate baccalaureate c\rse ( /udy be+ pursu$ by t /ud5t at ! in/itution at :i* ! /ud5t is 9 att5dance1 except t any p]iod dur+ :i* ! /ud5t is enroll$ 9 a noncr$it or rem$ial c\rse ( /udy1 z describ$ 9 p>agraph 7#b71 %all n be c\nt$ = ! purpose ( ?is p>agraph4 7#b7 ,noncr$it or rem$ial c\rses2 /udy abroad ,no?+ 9 ?is section %all exclude f eligibility c\rses ( /udy :i* are noncr$it or rem$ial 9 nature 7includ+ c\rses 9 ,engli% language in/ruction7 :i* are det]m9$ by ! in/itution to be necess>y to help ! /ud5t be prep>$ = ! pursuit ( a fir/ und]graduate baccalaureate degree or c]tificate or1 9 ! case ( c\rses 9 ,engli% language in/ruction1 to be necess>y to enable ! /ud5t to utilize already exi/+ k1 tra9+1 or skills4 ,no?+ 9 ?is section %all exclude f eligibility programs ( /udy abroad t are approv$ = cr$it by ! home in/itution at :i* ! /ud5t is enroll$4 7#c7 ,no concurr5t paym5ts ,no /ud5t is entitl$ to receive ,pell ,grant paym5ts concurr5tly f m ?an "o in/itution or f ! ,secret>y & an in/itution4 7#d7 ,po/baccalaureate program ,not)/&+ p>agraph 7#a71 ! ,secret>y may all[1 on a case-by-case basis1 a /ud5t to receive a ,f$]al ,pell ,grant if ! /ud5t-- 7,a7 is c>ry+ at lea/ "o-half ! normal full-"t "w load = ! c\rse ( /udy ! /ud5t is pursu+1 z det]m9$ by ! in/itution ( high] education2 & 7,b7 is enroll$ or accept$ = enrollm5t 9 a po/baccalaureate program t does n lead to a graduate degree1 & 9 c\rses requir$ by a ,/ate 9 ord] = ! /ud5t to receive a pr(essional c]tification or lic5s+ cr$5tial t is requir$ = employm5t z a tea*] 9 an elem5t>y s*ool or second>y s*ool 9 t ,/ate1 except t ?is p>agraph %all n apply to a /ud5t :o is enroll$ 9 an in/itution ( high] education t (f]s a baccalaureate degree 9 education4 7#e7 ,maximum p]iod 7,a7 ,9 ,g5]al ,except z provid$ 9 subp>agraph 7,b71 ! p]iod dur+ :i* a /ud5t may receive ,f$]al ,pell ,grants %all n exce$ #ab seme/]s1 or ! equival5t ( #ab seme/]s1 z det]m9$ by ! ,secret>y by regulation4 ,su* regulations %all provide1 ) respect to a /ud5t :o receiv$ a ,f$]al ,pell ,grant = a t]m b 0 enroll$ at a fraction ( full "t1 t only t same fraction ( su* seme/] or equival5t %all c\nt t[>ds su* duration limits4 7,b7 ,exception 7i7 ,9 g5]al ,any ,f$]al ,pell ,grant t a /ud5t receiv$ dur+ a p]iod describ$ 9 subclause 7,i7 or 7,,ii7 ( clause 7ii7 %all n c\nt t[>ds ! /ud5t's duration limits "u ?is p>agraph4 7ii7 ,applicable p]iods ,clause 7i7 %all apply ) respect to any ,f$]al ,pell ,grant aw>d$ to a /ud5t to enroll 9 an eligible program at an in/itution-- 7,i7 dur+ a p]iod ( a /ud5t's att5dance at an in/itution-- 7aa7 at :i* ! /ud5t 0 unable to complete a c\rse ( /udy due to ! clos+ ( ! in/itution2 or 7bb7 = :i* ! /ud5t 0 falsely c]tifi$ z eligible = ,f$]al aid "u ?is title2 or 7,,ii7 dur+ a p]iod-- 7aa7 = :i* ! /ud5t receiv$ a loan "u ?is title2 & 7bb7 = :i* ! loan describ$ 9 item 7aa7 is dis*>g$ "u-- 7,,aa7 section #dcg7;c77#a7 or section #dfd7;g77#a72 or 7,,bb7 section #dcb7;a77#f74 7e7 ,applications = grants 7#a7 ,deadl9es ,! ,secret>y %all f "t to "t set dates by :i* /ud5ts %all file ! ,free ,application = ,f$]al ,/ud5t ,aid "u ?is subp>t4 7#b7 ,application ,ea* /ud5t desir+ a ,f$]al ,pell ,grant = any ye> %all file application ! ,free ,application = ,f$]al ,/ud5t ,aid conta9+ su* in=mation & assurances z ! ,secret>y may det]m9e are necess>y to enable ! ,secret>y to c>ry out ! functions & responsibilities ( ?is subp>t4 7f7 ,di/ribution ( grants to /ud5ts ,paym5ts "u ?is section %all be made 9 accordance ) regulations promulgat$ by ! ,secret>y = su* purpose1 9 su* mann] z w be/ accompli% ! purpose ( ?is section4 ,any disbursem5t all[$ to be made by cr$it+ ! /ud5t's acc\nt %all be limit$ to tuition & fees1 & food & h\s+ if t food & h\s+ is in/itutionally own$ or op]at$4 ,! /ud5t may elect to h ! in/itution provide o!r su* goods & s]vices by cr$it+ ! /ud5t's acc\nt4 7g7 ,insuffici5t appropriations ,if1 = any fiscal ye>1 ! funds appropriat$ = paym5ts "u ?is subp>t are insuffici5t to satisfy fully all entitlem5ts1 z calculat$ "u subsection 7b7 7b at ! maximum grant level specifi$ 9 su* appropriation71 ! ,secret>y %all promptly transmit a notice ( su* insuffici5cy to ea* ,h\se ( ! ,congress1 & id5tify 9 su* notice ! additional am\nt t w\ld be requir$ to be appropriat$ to satisfy fully all entitlem5ts 7z s calculat$ at su* maximum grant level74 7h7 ,use ( excess funds 7#a7 #ae p]c5t or less ,if1 at ! end ( a fiscal ye>1 ! funds available = mak+ paym5ts "u ?is subp>t exce$ ! am\nt necess>y to make ! paym5ts requir$ "u ?is subp>t to eligible /ud5ts by #ae p]c5t or less1 !n all ( ! excess funds %all rema9 available = mak+ paym5ts "u ?is subp>t dur+ ! next succe$+ fiscal ye>4 7#b7 ,m ?an #ae p]c5t ,if1 at ! end ( a fiscal ye>1 ! funds available = mak+ paym5ts "u ?is subp>t exce$ ! am\nt necess>y to make ! paym5ts requir$ "u ?is subp>t to eligible /ud5ts by m ?an #ae p]c5t1 !n all ( su* funds %all rema9 available = mak+ su* paym5ts b paym5ts may be made "u ?is p>agraph only ) respect to entitlem5ts = t fiscal ye>4 7i7 ,treatm5t ( in/itutions & /ud5ts "u o!r laws ,any in/itution ( high] education :i* ent]s into an agreem5t ) ! ,secret>y to disburse to /ud5ts att5d+ t in/itution ! am\nts ^? /ud5ts are eligible to receive "u ?is subp>t %all n be deem$1 by virtue ( su* agreem5t1 a contractor ma9ta9+ a sy/em ( records to accompli% a function ( ! ,secret>y4 ,recipi5ts ( ,pell ,grants %all n be consid]$ to be individual grantees = purposes ( subtitle ,d ( title ,v ( ,public ,law #ajj-fij4 7j7 ,in/itutional ineligibility bas$ on default rates 7#a7 ,9 g5]al ,no in/itution ( high] education %all be an eligible in/itution = purposes ( ?is subp>t if su* in/itution ( high] education is ineligible to p>ticipate 9 a loan program "u "p ,b or ,d z a result ( a f9al default rate det]m9ation made by ! ,secret>y "u "p ,b or ,d aft] ! f9al publication ( cohort default rates = fiscal ye> #aiif or a succe$+ fiscal ye>4 7#b7 ,sanctions subject to appeal opportunity ,no in/itution may be subject to ! t]ms ( ?is subsection unless ! in/itution has _h ! opportunity to appeal ! in/itution's default rate det]m9ation "u regulations issu$ by ! ,secret>y = ! loan program au?oriz$ "u "p ,b or ,d1 z applicable4 ,?is subsection %all n apply to an in/itution t 0 n p>ticipat+ 9 ! loan program au?oriz$ "u "p ,b or ,d on ,octob] #g1 #aiih1 unless ! in/itution subsequ5tly p>ticipates 9 ! loan programs4 4 7b7 ,effective date ,?is section1 & ! am5dm5ts made by ?is section1 %all take effect on ,july #a1 #bjba4 #h4 ,mak+ in/itutional /ud5t aid aw>d lett]s comp>able & easi] to und]/& ,section #dhe 7#bj ,u4,s4,c4 #ajib71 z am5d$ by section #c7o71 is am5d$ by ins]t+ aft] subsection 7j7 ! foll[+3 7k7 ,consum] in=mation = f9ancial aid recipi5ts 7#a7 ,/&>d =mat & t]m9ology = f9ancial aid (f]s ,! ,secret>y ( ,education1 9 consultation ) ! heads ( relevant ,f$]al ag5cies1 %all develop /&>d t]m9ology & a /&>d =mat = f9ancial aid (f]s 7includ+ a uni=m title us$ to describe ! applicable docum5t7 bas$ on recomm5dations f repres5tatives ( /ud5ts1 vet]ans1 s]vicememb]s1 /ud5ts' families1 in/itutions ( high] education 7includ+ community colleges1 =-pr(it in/itutions1 #d-ye> public in/itutions1 & #d-ye> private nonpr(it in/itutions71 f9ancial aid exp]ts1 second>y s*ool & po/second>y c\nselors1 nonpr(it organizations1 & consum] gr\ps4 7#b7 ,key requir$ cont5ts = f9ancial aid (f] ,! /&>d =mat develop$ "u p>agraph 7#a7 %all be pres5t$ 9 a consum]-fri5dly mann] t is simple & und]/&able4 ,! /&>d =mat %all include ! foll[+ items cle>ly sep>at$ f ea* o!r ) sep>ate head+s1 &1 if 9 a =mat design$ = pap] %all be li/$ on ! fir/ page ( ! f9ancial aid (f] & if 9 a =mat design$ = digital view+ %all be li/$ fir/3 7,a7 ,co/ in=mation 7i7 ,in=mation on ! /ud5t's e/imat$ annual co/ ( att5dance1 includ+ ! foll[+3 7,i7 ,total direct co/s1 includ+ ! compon5t annual totals ea* =-- 7aa7 tuition & fees1 z det]m9$ "u section #dgb2 & 7bb7 in/itutionally own$ or op]at$ h\s+ & food co/s 7z det]m9$ bas$ on ! co/s = h\s+ & food "u section #dgb74 7,,ii7 ,total e/imat$ o!r annual exp5ses1 includ+-- 7aa7 ! compon5t totals ea* = h\s+ & food co/s = /ud5ts :o d n reside on campus1 z det]m9$ "u section #dgb7c77;,d72 & 7bb7 = all /ud5ts1 books1 supplies1 transportation1 miscellane\s p]sonal exp5ses1 heal? insurance 7if applicable71 & *ild c>e 7if applicable71 z det]m9$ "u section #dgb4 7ii7 ,an indication ( ! academic p]iod cov]$ by ! f9ancial aid (f] relative to ! publi%$ program l5g?1 & an explanation t ! f9ancial aid (f]$ may *ange = academic p]iods n cov]$ by ! aid (f]4 7iii7 ,an indication ( :e!r co/ & aid e/imates are bas$ on full-"t or "p-"t enrollm5t4 7iv7 ,an indication1 z applicable1 ab\t :e!r ! tuition & fees are e/imat$ bas$ on ! previ\s ye>1 or are set1 = ! academic p]iod cov]$ by ! f9ancial aid (f] indicat$ 9 accordance ) clause 7ii74 7,b7 ,grant & s*ol>%ip aid ,! am\nt & s\rce ( f9ancial aid t ! /ud5t does n h to repay1 su* z s*ol>%ips1 grant aid (f]$ "u ?is title1 grant aid (f]$ ?r\gh o!r ,f$]al programs1 or grant aid (f]$ by ! in/itution1 a ,/ate1 or1 if kn[n1 an outside s\rce to ! /ud5t = su* academic p]iod1 includ+-- 7i7 a disclosure t ! f9ancial aid does n h to be repaid2 & 7ii7 if in/itutional aid is includ$-- 7,i7 ! conditions "u :i* ! /ud5t c expect to receive simil> am\nts ( su* f9ancial aid = ea* academic p]iod ! /ud5t is enroll$ at ! in/itution2 & 7,,ii7 :e!r ! in/itutional aid (f] may *ange if grants or s*ol>%ips f outside s\rces are appli$ aft] ! /ud5t receives ! (f]1 &1 if applicable1 h[ t aid w *ange4 7,c7 ,annual net price 7i7 ,! net price t ! /ud5t1 or ! /ud5t's family on behalf ( ! /ud5t1 is e/imat$ to h to pay = ! /ud5t to att5d ! in/itution = su* academic p]iod1 equal to-- 7,i7 ! co/ ( att5dance z describ$ 9 subp>agraph 7,a77i7 = ! /ud5t = ! p]iod indicat$ 9 subp>agraph 7,a77ii72 & 7,,ii7 m9us ! am\nt ( grant aid describ$ 9 subp>agraph 7,b7 t is includ$ 9 ! f9ancial aid (f]4 7ii7 ,a disclosure t ! net price is an e/imate ( ! total exp5ses = ! ye> & n ! am\nt t ! /ud5t w owe directly to ! in/itution4 7,d7 ,"w-/udy ,in=mation on "w-/udy employm5t opportunities1 (f]$ 9 accordance ) "p ,c4 7i7 ,?is in=mation %all include-- 7,i7 ! am\nt ( "w-/udy (f]$2 7,,ii7 a disclosure t ! "w-/udy aid (f]$ is subject to ! availability ( qualifi$ employm5t opportunities2 7,,iii7 a /atem5t t "w-/udy aid does n ne$ to be repaid & c (fset ! ne$ to borr[2 & 7,,iv7 a disclosure t "w-/udy is disburs$ ov] "t z e>n$ by ! /ud5t4 7ii7 ,"w-/udy employm5t opportunities 7or a /ud5t's pot5tial income bas$ on ^? opportunities7 %all n be includ$ 9 ! category ( f9ancial aid describ$ "u subp>agraph 7,b74 7,e7 ,loans 7i7 ,in=mation on ! am\nt ( loans "u "p ,d 7except a ,f$]al ,direct ,,plus ,loan "u "p ,d7 t ! in/itution recomm5ds = ! /ud5t = ! academic p]iod cov]$ by ! (f]1 :i* %all be made-- 7,i7 ) cle> use ( ! ^w loan to describe ! recomm5d$ loan am\nts2 & 7,,ii7 ) cle> label+ ( subsidiz$ & unsubsidiz$ loans4 7ii7 ,a disclosure t su* loans h to be repaid & a disclosure t ! /ud5t c borr[ a less] or1 if applicable1 great] am\nt ?an ! recomm5d$ loan am\nt4 7iii7 ,if an in/itution's recomm5d$ ,f$]al /ud5t loan am\nt is less ?an ! ,f$]al maximum available to ! /ud5t1 ! in/itution %all cle>ly /ate ! applicable loan limit = ,f$]al /ud5t loans = :i* ! /ud5t is eligible & a prom95t recomm5dation t /ud5ts %\ld exhau/ any ,f$]al /ud5t loan eligibility be=e tak+ out private education loans4 7iv7 ,a disclosure t ! int]e/ rates & fees on su* loans are set annually & affect total co/ ov] "t1 & a l9k to electronic in=mation by ! ,dep>tm5t ( ,education t includes curr5t in=mation on int]e/ rates & fees4 7v7 ,a l9k to ! ,dep>tm5t ( ,education's electronic repaym5t calculator = /ud5ts ) in/ruction t ?is calculator conta9s cu/omizable e/imates ( expect$ repaym5t co/s "u diff]5t loan repaym5t plans4 7vi7 ,if ! in/itution does n p>ticipate 9 ! loan program "u "p ,d1 an explanation ( :y ! in/itution does n p>ticipate1 & a disclosure t /ud5ts may h ! option to borr[] ,f$]al /ud5t loans at ano!r in/itution4 7,f7 ,process = accept+ or decl9+ aid & next /eps 7i7 ,! deadl9es & a summ>y ( ! process 7includ+ ! next /eps7 =-- 7,i7 accept+ ! f9ancial aid (f]$ 9 ! f9ancial aid (f]2 7,,ii7 reque/+ diff]5t loan am\nts ?an ! recomm5d$ loan am\nts2 & 7,,iii7 decl9+ aid (f]$4 7ii7 ,in=mation on :5 & h[ direct co/s to ! in/itution mu/ be paid4 7iii7 ,a disclosure t v]ification ( f9ancial circum/ances may require ! /ud5t to submit fur!r docum5tation4 7iv7 ,in=mation ab\t :]e a /ud5t or ! /ud5t's family c seek additional in=mation reg>d+ ! f9ancial aid (f]$1 includ+ contact in=mation = ! in/itution's f9ancial aid (fice & ! ,dep>tm5t ( ,education's website on f9ancial aid4 7,g7 ,additional in=mation ,if 9 consultation ) ! heads ( relevant ,f$]al ag5cies1 includ+ ! ,secret>y ( ! ,treasury & ! ,director ( ! ,bureau ( ,consum] ,f9ancial ,protection1 ! ,secret>y det]m9es ! inclusion ( additional in=mation is necess>y 7bas$ on ! results ( ! consum] te/+ "u p>agraph 7#g77;,b77 s t /ud5ts & p>5ts c make in=m$ loan borr[+ decisions1 ?is in=mation %all be includ$4 ,su* in=mation may include-- 7i7 ! mo/ rec5t cohort default rate1 z def9$ 9 section #dce7m7 ) respect to an in/itution :]e m ?an #cj p]c5t ( enroll$ /ud5ts borr[ loans to pay = _! education1 & a comp>ison to ! national av]age cohort default rate2 7ii7 ! p]c5tage ( /ud5ts at ! in/itution :o borr[ /ud5t loans2 7iii7 ! m$ian loan debt at graduation = /ud5ts at ! in/itution 7cle>ly m>k$ z includ+ only ,f$]al loans if private loan data are n available to be includ$72 7iv7 ! e/imat$ mon?ly loan paym5t bas$ on-- 7,i7 ! m$ian loan debt at graduation calculat$ "u clause 7iii7 & ! /&>d repaym5t plan2 & 7,,ii7 ! m$ian loan debt at graduation calculat$ "u clause 7iii7 & ! m$ian paym5t = v>i\s example sal>ies "u ! ,income ,cont+5t ,repaym5t plan kn[n z ,revis$ ,pay ,z ,y ,e>n2 & 7v7 ! e/imat$ in/itutional *>ges t ! /ud5t1 or ! /ud5t's family on behalf ( ! /ud5t1 w h to pay directly to ! in/itution = ! /ud5t to att5d ! in/itution = ! academic p]iod describ$ 9 subp>agraph 7,a77ii71 equal to-- 7,i7 ! total direct co/s describ$ 9 subp>agraph 7,a77i77,i7 = ! /ud5t = ! p]iod indicat$ 9 subp>agraph 7,a77ii72 m9us 7,,ii7 ! am\nt ( grant aid describ$ 9 subp>agraph 7,b7 t is includ$ on ! f9ancial aid (f]4 7#c7 ,o!r requir$ cont5ts = ! f9ancial aid (f] ,! /&>d f9ancial aid (f] develop$ "u p>agraph 7#a7 %all include1 9 addition to ! in=mation describ$ 9 p>agraph 7#b71 ! foll[+ in=mation 9 a concise =mat locat$ aft] ! requirem5ts ( p>agraph 7#b71 :]e ! =mat %all be design$ by ! ,secret>y ( ,education 9 consultation ) ! heads ( relevant ,f$]al ag5cies3 7,a7 ,in=mation at ! in/itution's discretion ,at ! in/itution's discretion-- 7i7 additional options & pot5tial res\rces = pay+ = ! am\nt li/$ 9 p>agraph 7#b77;,c71 su* z tuition paym5t plans2 7ii7 = an und]graduate /ud5t1 a disclosure t ,f$]al ,direct ,p>5t ,,plus ,loans borr[$ on behalf ( ! /ud5t or private education loans may be available to cov] unmet f9ancial ne$1 except t ! in/itution mu/ include a disclosure t su* loans are subject to an additional application process1 h to be repaid by ! borr[] or ! borr[]'s p>5ts1 z applicable1 include ! applicable int]e/ rate 9 ! case ( ,f$]al ,direct ,,plus ,loans1 & t su* loans may n be eligible = all ! b5efits available = ,f$]al ,direct ,subsidiz$ ,loans or ,f$]al ,direct ,unsubsidiz$ ,loans2 & 7iii7 = a graduate /ud5t1 a disclosure t private education loans may be available to cov] unmet f9ancial ne$1 except t ! in/itution mu/ include a disclosure t su* loans are subject to an additional application process1 h to be repaid by ! borr[]1 & are n eligible = all ! b5efits available = ,f$]al ,direct ,loans or ,f$]al ,,plus ,loans4 7,b7 ,disclosures reg>d+ private education loans ,if ! in/itution includes private education loans 9 ! f9ancial aid (f]1 z all[$ "u subp>agraph 7,a71 ! foll[+ in=mation %all be includ$3 7i7 ,a /atem5t t /ud5ts consid]+ borr[+ to cov] unmet ne$ %\ld exhau/ available ,f$]al f9ancial aid1 includ+ ,f$]al /ud5t loans1 prior to apply+ = or tak+ out private education loans1 includ+ an explanation t ,f$]al /ud5t loans (f] g5]ally m favorable t]ms & b5eficial repaym5t options ?an private education loans4 7ii7 ,! impact ( private education loans on ! /ud5t's pot5tial eligibility = o!r f9ancial assi/ance1 includ+ ,f$]al f9ancial assi/ance "u ?is title4 7iii7 ,a /atem5t expla9+ ! /ud5t's ability to select a private educational l5d] ( ! /ud5t's *oice4 7iv7 ,= any dep5d5t /ud5t1 in=mation ab\t ! availability (1 & t]ms & conditions associat$ )1 ,f$]al ,direct ,,plus ,loans "u section #dee = ! /ud5t's p>5ts reg>dless ( family income4 7v7 ,= any dep5d5t /ud5t1 a notification ( ! /ud5t's increas$ eligibility = ,f$]al /ud5t loans "u ?is title if ! /ud5t's p>5ts apply = a ,f$]al ,direct ,,plus loan & are d5i$4 7,c7 ,total co/ ( degree or c]tificate program in=mation ,! foll[+ in=mation reg>d+ ! total co/ ( a degree or c]tificate program3 7i7 ,total co/ ( att5dance ,in=mation on ! /ud5t's e/imat$ total co/ ( att5dance1 bas$ on ! publi%$ program l5g?1 includ+ ! foll[+3 7,i7 ,total e/imat$ direct co/s bas$ on ! publi%$ program l5g?1 includ+ ! compon5t totals ea* =-- 7aa7 tuition & fees1 z det]m9$ "u section #dgb2 & 7bb7 in/itutionally own$ or op]at$ h\s+ & food co/s 7z det]m9$ bas$ on ! co/s = h\s+ & food "u section #dgb74 7,,ii7 ,total e/imat$ o!r exp5ses bas$ on ! publi%$ program l5g?1 includ+-- 7aa7 ! compon5t totals ea* = h\s+ & food co/s = /ud5ts :o reside (f-campus2 & 7bb7 = all /ud5ts1 books1 supplies1 transportation1 miscellane\s p]sonal exp5ses1 heal? insurance 7if applicable71 & *ild c>e 7if applicable71 z det]m9$ "u section #dgb4 7ii7 ,total net price 7,i7 ,! e/imat$ total net price t ! /ud5t1 or ! /ud5t's family on behalf ( ! /ud5t1 is e/imat$ to h to pay = ! /ud5t to att5d ! in/itution = ! publi%$ program l5g?1 equal to-- 7aa7 ! e/imat$ total co/ ( att5dance z describ$ 9 clause 7i7 = ! /ud5t bas$ on ! publi%$ program l5g?2 m9us 7bb7 ! e/imat$ total am\nt ( grant aid describ$ 9 p>agraph 7#b77;,b7 t is e/imat$ to cont9ue = ! program l5g? & is includ$ 9 ! f9ancial aid (f]1 bas$ on ! publi%$ program l5g?4 7,,ii7 ,a disclosure t ! e/imat$ total net price is an e/imate ( ! total exp5ses = ! publi%$ program l5g? & n equival5t to ! am\nt ! /ud5t w owe directly to ! in/itution ov] ! publi%$ program l5g?4 7#d7 ,additional requirem5ts = f9ancial aid (f] ,! f9ancial aid (f] %all meet ! foll[+ requirem5ts3 7,a7 ,include1 9 addition to ! requirem5ts describ$ 9 p>agraphs 7#b7 & 7#c71 a concise summ>y1 9 pla9 language1 (-- 7i7 ! t]ms & conditions ( f9ancial aid recomm5d$ "u subp>agraphs 7,b71 7,d71 & 7,e7 ( p>agraph 7#b71 & a me?od to provide /ud5ts ) additional in=mation ab\t su* t]ms & conditions1 su* z l9ks to ! supplem5t>y in=mation2 & 7ii7 ,f$]al1 ,/ate1 or in/itutional conditions requir$ to receive & r5ew f9ancial aid & a me?od to provide /ud5ts ) additional in=mation ab\t ^! conditions1 su* z l9ks to ! supplem5t>y in=mation4 7,b7 ,cle>ly di/+ui% betwe5 ! aid (f]$ 9 subp>agraphs 7,b71 7,d71 & 7,e7 ( p>agraph 7#b71 by includ+ a subtotal = ! aid (f]$ 9 ea* ( su* subp>agraphs :i* %all n comb9e ! diff]5t types ( aid describ$ 9 su* subp>agraphs4 7,c7 ,use /&>d t]m9ology & def9itions1 z requir$ 9 p>agraph 7#e77;,a71 & use pla9 language :]e possible4 7,d7 ,use ! /&>d f9ancial aid (f] describ$ 9 p>agraph 7#e77;,b74 7,e7 ,include ! /&>diz$ /atem5t reg>d+ ! possible availability ( ,f$]al education b5efits1 z e/abli%$ by ! ,secret>y 9 accordance ) p>agraph 7#e77;,c74 7,f7 ,include a deliv]y confirmation = electronic f9ancial aid (f]1 except t receipt ( ! f9ancial aid (f] %all n be consid]$ an acceptance or rejection ( aid by ! /ud5t4 7#e7 ,/&>d in=mation e/abli%$ by ! secret>y 7,a7 ,/&>d t]m9ology ,! ,secret>y ( ,education %all use ! /&>d t]m9ology develop$ "u p>agraph 7#h74 7,b7 ,/&>d f9ancial aid (f] 7i7 ,9 g5]al ,! ,secret>y ( ,education %all develop multiple draft f9ancial aid (f]s = consum] te/+1 c>ry out consum] te/+ = su* (f]s1 & e/abli% a f9aliz$ /&>d f9ancial aid (f] or (f]s1 9 accordance ) ! process e/abli%$ 9 p>agraph 7#g7 & ! requirem5ts ( ?is subsection4 7ii7 ,/&>d f9ancial aid (f] =ms = diff]5t types ( /ud5ts ,subject to ! requirem5ts = consum] te/+ & developm5t describ$ 9 p>agraph 7#g71 ! ,secret>y may develop sep>ate f9ancial aid (f] =matt+ = ea* ( ! foll[+ individual types ( /ud5ts t mu/ foll[ a /&>d =mat )9 ea* su* individual type ( /ud5ts3 7,i7 ,new und]graduate /ud5ts4 7,,ii7 ,return+ und]graduate /ud5ts4 7,,iii7 ,new graduate & pr(essional /ud5ts4 7,,iv7 ,return+ graduate & pr(essional /ud5ts4 7,c7 ,additional education b5efits ,! ,secret>y ( ,education1 9 consultation ) ! heads ( relevant ,f$]al ag5cies1 includ+ ! ,secret>y ( ! ,treasury1 ! ,secret>y ( ,vet]ans ,affairs1 ! ,secret>y ( ,def5se1 & ! ,director ( ! ,consum] ,f9ancial ,protection ,bureau1 %all e/abli% /&>d language notify+ /ud5ts t !y may be eligible = education b5efits 7& :]e /ud5ts c locate m in=mation ab\t su* b5efits71 includ+ b5efits 9 accordance ) ea* ( ! foll[+3 7i7 ,*apt] #cj1 #ca1 #cb1 #cc1 #cd1 or #ce ( title #ch1 ,unit$ ,/ates ,code4 7ii7 ,*apt] #aja1 #aje1 #ajf;,a1 #afjf1 #afjg1 or #afjh ( title #aj1 ,unit$ ,/ates ,code4 7iii7 ,section #aghd;a1 #bjje1 or #bjjg ( title #aj1 ,unit$ ,/ates ,code4 7,d7 ,additional means-te/$ b5efits ,! ,secret>y ( ,education1 9 consultation ) ! heads ( relevant ,f$]al ag5cies1 %all e/abli% /&>d language notify+ /ud5ts t !y may be eligible = means-te/$ b5efits 7& :]e /ud5ts c locate m in=mation ab\t su* b5efits7 includ+ b5efits f-- 7i7 ! supplem5tal security income program "u title ,,xvi ( ! ,social ,security ,act 7#db ,u4,s4,c4 #acha et seq472 7ii7 ! supplem5tal nutrition assi/ance program "u ! ,food & ,nutrition ,act ( #bjjh 7#g ,u4,s4,c4 #bjaa et seq472 7iii7 ! program ( block grants = ,/ates = tempor>y assi/ance = ne$y families e/abli%$ "u "p ,a ( title ,,iv ( ! ,social ,security ,act 7#db ,u4,s4,c4 #fja et seq472 7iv7 ! special supplem5tal nutrition program = wom51 infants1 & *ildr5 e/abli%$ by section #ag ( ! ,*ild ,nutrition ,act ( #aiff 7#db ,u4,s4,c4 #aghf72 7v7 ! ,m$icaid program "u title ,,xix ( ! ,social ,security ,act 7#db ,u4,s4,c4 #acif et seq472 & 7vi7 any o!r means-te/$ program det]m9$ by ! ,secret>y to be appropriate4 7#f7 ,supplem5tal in=mation2 removal ( in=mation 7,a7 ,supplem5tal in=mation ,no?+ 9 ?is section %all preclude an in/itution f supplem5t+ ! f9ancial aid (f] ) additional in=mation if su* additional in=mation supplem5ts ! f9ancial aid (f] & is n locat$ on ! f9ancial aid (f]1 & provid$ su* in=mation utilizes ! same /&>d t]m9ology id5tifi$ 9 p>agraph 7#e77;,a74 7,b7 ,removal ( in=mation ,no?+ 9 ?is section %all preclude an in/itution f delet+ a requir$ item if ! borr[] is ineligible = su* aid4 7#g7 ,developm5t ( /&>diz$ f9ancial aid (f] 7,a7 ,draft /&>diz$ (f] ,n lat] ?an #ac mon?s aft] ! date ( enactm5t ( ! ,/ud5t ,aid ,improvem5t ,act ( #bjai1 ! ,secret>y ( ,education1 9 consultation ) ! heads ( relevant ,f$]al ag5cies1 includ+ ! ,secret>y ( ! ,treasury & ! ,director ( ! ,consum] ,f9ancial ,protection ,bureau1 repres5tatives ( in/itutions ( high] education1 nonpr(it consum] gr\ps1 /ud5ts1 & second>y s*ool & high] education guidance c\nselors1 %all design & produce multiple draft f9ancial aid (f]s = consum] te/+ ) po/second>y /ud5ts or prospective /ud5ts4 ,9 develop+ t (f] or ^? (f]s1 ! ,secret>y %all ensure-- 7i7 t ! in=mation describ$ 9 subp>agraphs 7,a7 ?r\gh 7,e7 ( p>agraph 7#b7 is 9 ! same font1 appe>s 9 ! same ord]1 & is display$ prom95tly on ! fir/ page ( ! f9ancial aid (f]1 if 9 pap] =mat1 or 9 a simil>ly prom95t place if 9 electronic =mat1 su* t none ( t in=mation is inappropriately omitt$ or de-emphasiz$2 7ii7 t ! o!r in=mation requir$ 9 p>agraph 7#b7 appe>s 9 a /&>d =mat & design on ! f9ancial aid (f]2 & 7iii7 t ! in/itution may include a logo or br& alongside ! title ( ! f9ancial aid (f]4 7,b7 ,consum] te/+ 7i7 ,9 g5]al ,! ,secret>y ( ,education1 9 consultation ) ! heads ( relevant ,f$]al ag5cies1 %all e/abli% a process to submit ! f9ancial aid (f] drafts develop$ "u subp>agraph 7,a7 = consum] te/+ among repres5tatives ( /ud5ts 7includ+ l[-income /ud5ts1 fir/ g5]ation college /ud5ts1 adult /ud5ts1 vet]ans1 s]vicememb]s1 & prospective /ud5ts71 /ud5ts' families 7includ+ l[-income families1 families ) fir/ g5]ation college /ud5ts1 & families ) prospective /ud5ts71 in/itutions ( high] education1 second>y s*ool & po/second>y c\nselors1 & nonpr(it consum] gr\ps4 7ii7 ,pilot ,dur+ su* consum] te/+1 ! ,secret>y %all ensure t n less ?an #be & n m ?an #ej eligible in/itutions use ! draft (f]s develop$ "u subp>agraph 7,a71 includ+ in/itutions-- 7,i7 t reflect a proportionate repres5tation 7bas$ on ! total numb] ( /ud5ts enroll$ 9 po/second>y education7 ( community colleges1 =-pr(it in/itutions1 #d-ye> public in/itutions1 & #d-ye> private nonpr(it in/itutions2 & 7,,ii7 t reflect geographic div]sity4 7,c7 ,f9al (f] =mat 7i7 ,9 g5]al ,! results ( consum] te/+ "u subp>agraph 7,b7 %all be us$ 9 ! f9al developm5t ( ! f9ancial aid (f]4 7ii7 ,report+ requirem5t ,n lat] ?an #b ye>s aft] ! date ( enactm5t ( ! ,/ud5t ,aid ,improvem5t ,act ( #bjai1 ! ,secret>y ( ,education %all submit to ,congress & publi% on its website ! f9al /&>d f9ancial aid (f] & a report detail+ ! results ( su* te/+1 includ+ :e!r ! ,secret>y ( ,education add$ any additional items to ! /&>d f9ancial aid (f] pursuant to p>agraph 7#b77;,g7 or :e!r ! ,secret>y ( ,education is recomm5d+ ! use ( multiple =mats "u p>agraph 7#e77;,b74 7iii7 ,special rule = diff]5t =mats ,if1 bas$ on ! consum] te/+ "u subp>agraph 7,b71 !re is /rong evid5ce = ! use ( diff]5t (f]s t foll[ a /&>d =mat = individual types ( /ud5ts z describ$ 9 p>agraph 7#e77;,b77ii71 ! ,secret>y %all release m ?an "o /&>diz$ f9al f9ancial aid (f] s long z ea* =m foll[s a /&>d =mat = ea* individual type ( /ud5t4 7,d7 ,au?ority to modify ,! ,secret>y ( ,education may modify ! def9itions1 t]ms1 =matt+1 & design ( ! f9ancial aid (f] bas$ on ! results ( consum] te/+ requir$ "u ?is subsection & be=e f9aliz+ ! (f]1 or 9 subsequ5t consum] te/+4 ,! ,secret>y may also recomm5d additional *anges to ,congress4 7,e7 ,use by in/itutions ,z soon z practicable1 & n lat] ?an = ! #bjbc-bjbd aw>d ye>1 ea* eligible in/itution %all use ! f9al /&>d f9ancial aid (f]1 z publi%$ 9 accordance ) subp>agraph 7,c7 7:i* may include diff]5t /&>diz$ f9al f9ancial aid (f]s if e/abli%$ "u subp>agraph 7,c77iii774 7#h7 ,developm5t ( /&>d t]m9ology = f$]al /ud5t aid 7,a7 ,9 g5]al ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ! ,/ud5t ,aid ,improvem5t ,act ( #bjai1 ! ,secret>y1 9 consultation ) o!r relevant ,f$]al ag5cies1 repres5tatives ( in/itutions ( high] education1 nonpr(it consum] gr\ps1 /ud5ts1 & second>y s*ool & po/second>y s*ool guidance c\nselors1 %all develop or id5tify & release = notice & comm5t = a p]iod ( #fj days-- 7i7 /&>d t]ms & def9itions = ea* t]m li/$ 9 subp>agraphs 7,a7 ?r\gh 7,e7 ( p>agraph 7#b72 7ii7 /&>d names & a summ>y ( ! t]ms & conditions ( ea* individual ,f$]al grant & "w-/udy program "u ?is title1 includ+ g5]al in=mation ab\t eligibility2 & 7iii7 /&>d names & a summ>y ( ! t]ms & conditions ( ea* ,f$]al loan program "u ?is title1 includ+ g5]al in=mation ab\t eligibility1 curr5t int]e/ rates1 ! ability to make paym5ts bas$ on income1 =giv5ess1 cancellation1 & any o!r available b5efits ( ! ,f$]al loan program4 7,b7 ,consum] te/+ 7i7 ,9 g5]al ,! ,secret>y %all conduct consum] te/+ on ! items develop$ "u ?is p>agraph among repres5tatives ( /ud5ts 7includ+ l[-income /ud5ts1 fir/ g5]ation college /ud5ts1 adult /ud5ts1 & prospective /ud5ts71 /ud5ts' families 7includ+ l[-income families1 families ( fir/ g5]ation college /ud5ts1 & families ( prospective /ud5ts71 in/itutions ( high] education1 second>y s*ool & po/second>y s*ool c\nselors1 & nonpr(it consum] gr\ps4 7ii7 ,use ( results ,! ,secret>y %all-- 7,i7 use ! results ( ! consum] te/+ "u ?is clause 9 ! f9al e/abli%m5t ( ea* ( ! items li/$ 9 subp>agraph 7,a72 & 7,,ii7 %>e ! results ( t te/+ ) relevant /akehold]s4 7,c7 ,report to congress ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ! ,/ud5t ,aid ,improvem5t ,act ( #bjai1 & aft] ! consid]ation ( public comm5ts receiv$ pursuant to subp>agraph 7,a71 ! ,secret>y %all submit a report to ,congress conta9+-- 7i7 ! f9al names1 def9itions1 summ>ies1 t]ms1 conditions1 & o!r in=mation describ$ 9 subp>agraph 7,a7 det]m9$ necess>y by ! ,secret>y2 & 7ii7 ! results ( ! consum] te/+ "u subp>agraph 7,b74 7,d7 ,issuance1 use1 updates 7i7 ,issuance ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ! ,/ud5t ,aid ,improvem5t ,act ( #bjai1 ! ,secret>y %all publi% 9 ! ,f$]al ,regi/] & make publicly available ! f9al e/abli%$ names1 def9itions1 summ>ies1 t]ms1 & conditions1 z describ$ 9 subp>agraph 7,a7 & conta9$ 9 ! report "u subp>agraph 7,c74 7ii7 ,use by in/itutions ,z soon z practicable1 & n lat] ?an = ! #bjbb-bjbc aw>d ye>1 ea* eligible in/itution %all use ! f9al e/abli%$ names1 def9itions1 summ>ies1 & t]ms & conditions1 z publi%$ 9 accordance ) clause 7i71 = any communication t is requir$ "u ?is subsection4 7iii7 ,use by ! dep>tm5t ,z soon z practicable1 ! ,dep>tm5t ( ,education %all use ! f9al e/abli%$ names1 def9itions1 summ>ies1 t]ms1 & conditions1 z publi%$ 9 accordance ) clause 7i71 = any communication reg>d+ programs "u ?is title4 7iv7 ,updates ,! ,secret>y %all-- 7,i7 issue updates to ! items li/$ 9 subp>agraph 7,a7 z necess>y & appropriate2 7,,ii7 issue su* updates 9 a mann] t is consi/5t ) & s5sitive to e/abli%$ in/itutional f9ancial aid processes2 7,,iii7 issue significant updates only aft] conduct+ additional consum] te/+ 9 accordance ) subp>agraph 7,b72 & 7,,iv7 publi% any su* updates 9 ! ,f$]al ,regi/] & make !m publicly available4 4 #i4 ,creat+ fairness 9 loan repaym5t ,section #dee7;d7 7#bj ,u4,s4,c4 #ajhg;e7d77 is am5d$-- 7#a7 by r$esignat+ p>agraphs 7#b7 ?r\gh 7#e7 z p>agraphs 7#c7 ?r\gh 7#f71 respectively2 7#b7 9 p>agraph 7#d71 z r$esignat$ by p>agraph 7#a71 by /rik+ p>agraph 7#b7 & ins]t+ p>agraph 7#c72 & 7#c7 by ins]t+ aft] p>agraph 7#a7 ! foll[+3 7#b7 ,fairness 9 loan repaym5t ,) respect to any new borr[] on or aft] ,july #a1 #bjbj1 :o elects a repaym5t plan t is au?oriz$1 creat$ "u ! au?ority (1 or o!rwise (f]$ by ! ,secret>y "u subp>agraph 7,d7 or 7,e7 ( p>agraph 7#a71 ! borr[] %all n be subject to a maximum mon?ly paym5t bas$ on a #aj-ye> /&>d repaym5t plan z describ$ 9 section #dic;,c7b77#f77;,a7 or any o!r maximum mon?ly paym5t4 4