Borrowers Defense

The office of inspector General of the DOE has released the new report on the Federal Student Aid’s Borrowers Defense to Repayment Loan Discharge Process. (Dated December 8, 2017)

I thought this might be good reading for all and another of the 10 good reasons you and your school need to attend any Regions PCCS meeting.   Remember our first meeting is in Kansas City!

Terry Hopkins  


NEW FAFSA Application

More on the NEW FAFSA Application, another REALLY good reason for you to attend the Regions PCCS meeting in your Area!

Click here to read the full article

Terry Hopkins

Sen. Lamar Alexander dangles a paper copy of the Free Application for Federal Student Aid to emphasize its length. The application, which could be available as a mobile app as early as next spring, is also being scrutinized by the Senate education committee, of which Senator Alexander is the chairman.


From November 29, 2017 Orlando meeting: Education Secretary Betsy DeVos kicked off the day with the announcement that the department would create a mobile app for the Fafsa.

“There is no continuity of experience for borrowers,” she said during her keynote speech at the Federal Student Aid Training Conference for Financial Aid Professionals, in Orlando. “A student may begin the aid process through at least three different portals,” Ms. DeVos continued, “Then, if the student is eligible and a loan is secured, that same student will now be passed off to begin working with his or her school’s financial-aid office.”

Ms. DeVos said the app would be a more “consumer friendly” ecosystem for students, and meet them where they are. “The goal is a customer experience that will rival Amazon or Apple’s Genius Bar,” she said, “one that better serves students and taxpayers.”

An Education Department spokesman told The Chronicle that the department hopes to launch the app by next spring, and that the web version of the application would still be available to those who need it.

The announcement was met with excitement. “We’ve seen more and more people are using smartphones and just easy-to-use interfaces to get through their daily lives,” said Tariq Habash, a policy associate at the Century Foundation. “This is just another way to make the Fafsa more digestible for Americans in the 21st century.”

But the key to the app’s success will be in the details, several experts told The Chronicle, including its accessibility for non-English speakers, its launch on multiple platforms, and potential security concerns.

Ms. DeVos acknowledged the latter issue in her speech, remarking that the initiative included “enhancing cybersecurity to protect personal data.”

“This is a responsibility the department has neglected for too long,” she said. “We are making marked improvements because there are serious and ever-iterating threats.” Earlier this year, the department was forced to shut down a tool that makes it easier for students to fill out the Fafsa after it was compromised.

Barmak Nassirian, director of federal relations and policy analysis at the American Association of State Colleges and Universities, commended the secretary for her awareness of the security issues but said he does not think they are a deal-breaker for the app. “There are concerns,” he said, “but those concerns are systemic with regard to anything you put on the internet.”

“You could argue that a mobile app could be more secure,” he continued. “But the department really needs to up its game with regard to security anyway.”

Click here to read the full article



AMCA exams

New Student-Aid Mobile App

‘Apple-esque’: New Student-Aid Mobile App Earns Oohs and Ahhs….

I was at the FSA meeting in Orlando with 6000 others and was treated to roll out of the NEW Mobile FAFSA application.  Mobile is the word of the new world and now students will be able to apply and access ALL their own student aid information, loans, payments, make payments all in one place on mobile platform (phone), on regular computer or Ipad  I must admit it was pretty impressive and will really change how all our students and us can and will interact with Student Aid details in the future.   We all will have plenty to talk about and learn in 2018!  See you at a meeting!

Terry Hopkins


From Politico

A. Wayne Johnson Ph.D

FINANCIAL AID CHIEF CHARTS AMBITIOUS STUDENT LOAN OVERHAUL: The Trump administration announced this week that college students, for the first time, will be able to apply for federal financial aid using a mobile app. But that’s just the beginning of a sweeping overhaul of how the Education Department distributes financial aid, collects loan payments and communicates with its more than 42 million borrowers, according to the agency’s top student aid official.

– A. Wayne Johnson, the chief operating officer of the Office of Federal Student Aid, described in an interview with POLITICO how he envisions revamping the entire process of how students apply for financial aid, receive that money, and make student loan payments. He’ll be unveiling some of those plans at today’s FSA conference in Orlando, Fla.

– “We’re one of the world’s largest consumer loan portfolios,” Johnson said. “We should deliver service on par with world-class financial services firms. We should be a very respected and trusted brand and, very bluntly, to do that we’ve got to modernize our technical and operating infrastructure.”

– What are the big changes? The new system that Johnson is spearheading – which the department has dubbed its “Next Generation Financial Services Environment” – centers around creating a more standardized experience for borrowers.

– Loan servicing changes: Rather than rely on its existing nine loan servicing companies, the Education Department is planning to have a single payment processing system. But it may hire multiple contractors to perform various aspects of that servicing.

– A new student aid app: The most immediate change for borrowers will be the ability to fill out FAFSA on a mobile app if they choose starting this spring. And going forward, the department is considering adding a range of features to the app, Johnson said. They include allowing students to compare financial aid offers, manage loan payments, check credit scores, read college sports news, and even make peer-to-peer mobile payments.

– A new way to disburse federal student aid: The Education Department plans to pilot “by the first part of the summer” a new way to disburse student loans and Pell Grants to students – especially the portion of those funds that are used to purchase books, off-campus housing and other living expenses. The goal of a new prepaid card product, a “federal disbursement card,” Johnson said, is primarily to be more proactive in reminding students that they are spending student loan money.

– Some ideas for Congress: Johnson said the department plans to ask Congress to allow the IRS to share data with the Education Department. That would allow students to fill out a FAFSA once and have set it to automatically renew with updated data each year from the IRS.

Terry Hopkins


Andy Thompson wrote a nice article about the new mobile APP in the Chronicle of Higher Education.    Please click to read the whole article.


By Andy Thomason November 29, 2017

The U.S. Education Department demonstrated its recently announced student-aid mobile app on Wednesday morning, and attendees at the demo were bowled over — though some expressed reservations about whether it was feasible.

The new app, which Education Secretary Betsy DeVos announced on Tuesday, would come with a host of features that impressed advocates for simplifying the financial-aid process. Among those features: the ability to fill out the Free Application for Federal Student Aid, or Fafsa, on a phone; the ability to manage a borrower’s federal student loans in the app; and the ability for students to check their credit score.

Details on the app came in the form of a glitzy release at the Federal Student Aid Training Conference for Financial Aid Professionals, in Orlando, Fla.:

After an applicant finishes, he is automatically shown his EFC and expected Pell award #FSATC2017

And finally, repaying debt in the app comes with new features. Perhaps most interestingly, a borrower can access his credit score, which he can also lock in the app

Observers said they were impressed with the features, but wondered whether the department was overpromising what it could deliver in the quick time frame it had identified: a full rollout to students by the spring.

Andy Thomason oversees breaking-news coverage. Send him a tip at And follow him on Twitter @arthomason.

Andy Thompson    Please click to read the whole article.



Sandy Sarge

Editor note, I received this today and wanted you to know that Sandy Sarge is going to be on Gainful Employment Negotiated Rulemaking Committee 2017/18.   One of our own is going to Washington. Click here to Help!

Hello Friends and Colleagues – I am deeply honored to have been selected by the Department of Education as the CFO/Business Officers Primary Negotiator for the upcoming Gainful Employment Negotiated Rulemaking Committee 2017/18.  Most of you know that I am very passionate about students and am constantly looking for ways to improve the financial systems and regulations within Higher Education, in particular, our sector.  I hope to represent us well during this process, however, I find myself at a disadvantage from financial perspective and need your help.

After accepting the position, I was surprised to learn that the ED does not reimbursement for expenses related to this important work.  With the expectation of spending three separate weeks in Washington DC over the next few months, this is likely to cost each negotiator approximately $6,000.  These expenses are usually covered by the negotiator’s organization, but I do not have that financial backing.


I am seeking financial sponsorship from you and your organizations.  Please read the attached letter and consider making a contribution I’d also like to hear any comments or perspectives you may have so that I go to Washington armed with a broad view of what will be best for our students.


I humbly thank you in advance for your support of me as I take this next very important step in representing our collective interests.




Sandy Sarge



SAGE  Advisors­­­­­­­­­­­____

Financial operational, &

Executive Advisors for Higher Ed

Click here to learn more!




AMCA exams

Puerto Rican Schools free registration

Puerto Rican Schools Impacted by Hurricane Irma

Due to the devastating effects of those schools impacted by Hurricane Irma, we are offering free registration for you to attend Regions I, II, & III in Philadelphia.  We are all Americans and Americans help each other out. Pass the word!

Email Larry-for Puerto Rico School Offer



AMCA exams




The first Regional PCCS Conferences started in 1988 in Kansas City, Mo.  The demand was created by private career schools in 1988 because there was a special need for specific training in financial aid for private career schools.  Larry Prather worked at one private career school in Kansas for 20 years as Director of Financial Aid with several locations.

We all attended as many FSA USDE, State and National Conferences, they did not offer what the private career schools needed.  Therefore, we feel the PCCS Conferences was offering the needed information dealing with financial aid for all types of private career schools.


The PCCS Conferences invited the USDE (no fee) to attend & do presentations covering all areas of financial aid.  This was necessary for USDE & PCCS Conferences to relate with rules and regulations, therefore, both parties was learning the details that was being applied through the rules and combined with States and National guidelines to operate the funding of Federal Funds.


The demand was developed by Region VII PCCS Conference in Kansas City, MO.  Therefore, the need spread to Chicago Region V Conference, then Philadelphia Regions I, II & III, then Atlanta Conference and last developed was Denver Regions VIII, IX & X.  Congress assigned a USDE-FSA-Liaison person to attend all the PCCS Conferences.  The average attendee is 175 to 250 private career schools, USDE, Presenters and Exhibitors.  The year 2018 the Regional PCCS Conferences will be 30 years old.  The past several we have had Community Colleges, Non-Profit, Profit and Universities attending because the PCCS Conferences has included teacher training (for all types of schools) technology, placement (on line), accounting, financial aid training and special sessions to cover requirements under USDE regulations.  We give thanks and credit to all involved the past 30 years.    



The Regional PCCS Conferences has always had board members starting out with 4 and today we have 10 to 12 board members at each one of the 5 PCCS Conference


The Regional PCCS Conferences were in such of a demand we added Terry Hopkins 1996 as our website director and working with the exhibitors, presenters and doing webinars currently.                     


          The Regional PCCS Conferences wanted to control our attendees & the growing interest of all types of schools, we added Kathy Hays to control the e-mail addresses bank and helps with the webinars.                     


          We have by-laws, pictures of attendees of past conferences, Ex.Dir

and several board members and USDE-FSA, presentations at one or more of the PCCS Conferences.


          The accounting records and payments are under the control of Larry Prather & Associates, Inc.  The Regional PCCS Conferences funds are processed through the identification number and certification (W-9).  The Regional PCCS Conferences was formed through the By- Laws that we created day one and updated throughout the past years.



Larry Prather- Larry Prather & Associates

                             P.O. Box 20896, Wichita, KS. 67208

                 (316) 682-1838

News for Schools

NEW:  The Veterans Affairs Department said on Friday that it’s moving ahead with implementing the bipartisan expansion of GI Bill educational benefits that President Donald Trump signed into law earlier this year. The VA said that many of the law’s highest-profile provisions – like the removal of the 15-year limit on when recipients must use their GI Bill benefits – have already taken effect and don’t require any action from student veterans.


The VA is still working on the law’s restoration of GI Bill education benefits for veterans affected by the collapse of Corinthian Colleges and ITT Tech. The legislation allows student veterans who were displaced by discontinued or shuttered programs between Jan. 1, 2015, and Aug. 16, 2017, to have their benefits fully restored. “To apply for restoration, we will develop a web page with instructions, information, and a form to complete and return,” Curtis L. Coy, deputy undersecretary of Veterans Affairs for economic opportunity, wrote in an email to veterans. “I will update you when this page is available, and we’ll post an announcement on our main GI Bill page and social media sites.”

I thought many of you would be interested in this.

VAWA Certification Sept. 14, 1 to 4 pm EST

Title IX, VAWA & Clery Act Annual Training

Click here to sign up!

The Violence Against Women Act (“VAWA”), enacted in 2013, amended the Clery Act to require that institutional disciplinary hearings involving issues of sexual misconduct must be conducted by officials who receive annual training. Our webinar, presented by Christopher DeLuca, Esq., addresses Title IX, VAWA and the Clery Act, and includes training on issues related to sexual misconduct and how to conduct an investigation process that protects the safety of victims and promotes accountability. Attendees will receive a certificate of participation upon completion of the webinar.

VAWA Certification
Presenter: Christopher DeLuca
Sept. 14, 1-4 pm EST

Cost: $125
Sept. 14- Learn More and Register!

There is limited seating so register now while are still available!

Click here to sign up!

Kansas City, Jan. 21-23, 2018
Atlanta, Feb. 25-27, 2018
Denver, March 18-20, 2018
Philadelphia, April, 15-17, 2018
Chicago, May 20-22, 2018

Click here to sign up!




VAWA Annual Training – Is Your School Compliant? Join Our Webinar To Learn and Comply.

Schools must have written plan in place as of 7/1/17. Our webinar presented by Chris DeLuca, Esq. provides you with training and certificate of completion. VAWA amended the Clery Act, which requires schools compile statistics for incidents of domestic violence, dating violence, sexual assault occurring on or near campus.


VAWA Certification

Presenter: Christopher DeLuca


1 Date Remains! 

August 15, 1-4 pm EST

Cost: $125 

August 15-Learn More and Register!


There is limited seating so register now while are still available!