Education Week - July 19, 2017 - 28

COMMENTARY

If the Trump Administration Moves Student Loans,
What Does It Need to Know First?

I

By Megan Coval
t's recently been suggested that the
U.S. Department of Education is
considering moving federal student
loans-a program that in fiscal year
2016 administered nearly $96 billion-across town to the Department
of the Treasury as part of the Trump
administration's efforts to streamline the Education Department.
The idea, previously circulated under the
Clinton administration and ultimately ruled
out by it, resurfaced following the abrupt
resignation of James Runcie, the chief operating officer of the Education Department's
office of federal student aid, or FSA. Runcie, who resigned in late May, cited in his
resignation memo a potential relocation of
the student-loan programs as one of many
points of conflict between himself and U.S.
Secretary of Education Betsy DeVos. He
wrote in the memo that senior members
of his department met with Treasury officials to discuss transferring all or a portion of FSA to their department, a move he
calls "another example of a project that may
provide some value but will certainly divert
critical resources and increase operational
risk in an increasingly challenging environment."
The notion of such a move is not yet an official proposal from the Trump administration, which makes its likelihood difficult to
predict and its impetus hard to pin down.
As with many proposals that come from the
administration, the devil is in details we do
not have. But simply giving student loans a
new home falls far short of solving the problems that have plagued FSA for years when
it comes to improving students' borrowing experience. For future college students, the idea
opens the door to potential changes in how
the federal government supplies financial
aid to help pay for college and how it handles
student-loan repayment.
As the administration examines the issue
further, several important responsibilities
should be considered before any action is
taken to move under a different umbrella the
$1.4 trillion in student-loan debt that FSA is
responsible for managing.
While some might argue that a department
responsible for collecting taxes would be better equipped to also collect student-loan payments, the competencies of administering
and tracking numerous repayment plans, as
well as the operations of nine student-loan
servicers, are not easily replicated. In fact, a
pilot program started by the Obama administration in 2015 to determine whether the
Treasury could be more effective at collecting defaulted student loans found in its first
year that private collection agencies were
more successful at debt collection than the
Treasury Department.

| INSIDE |

22

Skip Sterling for Education Week

"

The core issue is not where
loan operations are hosted,
but rather whether the
federal student-aid process
can be improved."
Policymakers must also consider how
such a move might complicate the lending
process for students and families. There is
a natural fit for housing student financialaid programs at the Education Department,
since it handles all other education-related

WHAT 'UNEXPECTED'
SCHOOLS DO THAT
OTHER SCHOOLS DON'T

28 | EDUCATION WEEK | July 19, 2017 | www.edweek.org/go/commentary

22

programs, including the Free Application for
Federal Student Aid, or FAFSA. A move to
the Treasury could fundamentally shift the
underlying mission from a student focus to
the collection of payments at all costs.
Customer service for student borrowers is
of utmost importance during their time in
school and the period of repayment. Students
who are well-informed about the process are
much more likely to borrow responsibly and
repay in a timely manner. The complexity of
repayment plans, forgiveness options, and inschool deferment options necessitates a responsive, borrower-centric agency. The core
issue is not where loan operations are hosted,
but rather whether the federal student-aid
process can be improved.
As a performance-based organization, FSA
is required by law to improve customer sat-

BEWARE THE FOUR-DAY
SCHOOL-WEEK TRAP

isfaction and provide high-quality, cost-effective services. However, after benchmarking
FSA against other federal performance-based
organizations and examining complaints
from federal partners such as Congress and
the Government Accountability Office, the
National Association of Student Financial
Aid Administrators (NASFAA), concluded
that structural changes are needed to improve its oversight and transparency issues.
A 2015 report by NASFAA, for which I
serve as vice president of policy and federal
relations, offers a number of recommendations for FSA to improve student-loan servicing. Any decisionmaker who is involved
in the future of student financial aid should
consider these:
* Develop a central online loan portal
where students can manage all their loan
repayments.
* Strip individual loan-service branding
from communication with students so Education Department communications don't look
like junk mail.
* Provide standard consumer protections in line with other consumer financial
products-such as error resolution and delinquency servicing-that are offered by
mortgage lenders and credit card companies.
Currently, there is no set of protections for
federal student-loan borrowers.
* Use appropriate technologies, such as an
app, that allow servicers to more efficiently
communicate with student borrowers. (The
working relationship with FSA has become
so strained and so time-consuming that it
hampers financial-aid advisers' ability to assist students effectively.)
NASFAA released a report in May that
recommends establishing a robust customersatisfaction system, publicizing the results,
and incorporating them into the performance
metrics of the overseeing department to ensure it better serves students, stakeholders,
and taxpayers. These changes are necessary
whether the administration of student-loan
programs remains at the Education Department or moves to the Treasury.
While the Treasury Department certainly
has the infrastructure to divvy up and collect
student-aid money, educating a vast federal
agency solely and historically focused on finance about the ins and outs of education
policy may prove challenging. NASFAA urges
the Trump administration and Congress to
carefully consider whether such a move
would be beneficial to students, parents, and
postsecondary institutions before making
any decisions that would impact millions of
borrowers. n
MEGAN COVAL is the vice president of policy and
federal relations at the National Association of Student
Financial Aid Administrators, a nonprofit membership
organization that represents financial-aid professionals
at colleges, universities, and career schools.

23

LETTERS TO
THE EDITOR


http://www.edweek.org/go/commentary

Education Week - July 19, 2017

Table of Contents for the Digital Edition of Education Week - July 19, 2017

Education Week - July 19, 2017
New Union Battlefield: Charters
Thousands of ELLs Fall Short On Test of Language Skills
Clash Over Study Involving Sign Language
More Schools Battle Poverty, But Should They?
News in Brief
Report Roundup
Social-Emotional-Learning Researchers Seek Educator Input
Principals Are Loath to Give Their Teachers Bad Ratings
Is There Really a ‘Skills Gap’?
Facebook CEO Mark Zuckerberg and his wife, pediatrician Priscilla Chan, have launched an initiative to support students’ academic and social-emotional needs.
Personalized Learning Gets a Fresh Push
Personalized Learning: ‘A Cautionary Tale’
K-12 Funding Entangled in States’ Budget Drama
States Bristle as Ed. Dept. Rolls Out ESSA-Plan Feedback
Health-Care Overhaul: The States for K-12
K-12 and the U.S. Supreme Court: 2016-17 Term
K-12 Panel Advances Budget Bill
Paul Hill: Beware the Four-Day School-Week Trap
Karin Chenoweth: What ‘Unexpected’ Schools Do That Other Schools Don’t
Letters
TopSchoolJobs Recruitment Marketplace
Megan Coval: If the Trump Administration Moves Student Loans, What Does It Need to Know First?
Education Week - July 19, 2017 - More Schools Battle Poverty, But Should They?
Education Week - July 19, 2017 - 2
Education Week - July 19, 2017 - 3
Education Week - July 19, 2017 - News in Brief
Education Week - July 19, 2017 - Report Roundup
Education Week - July 19, 2017 - Social-Emotional-Learning Researchers Seek Educator Input
Education Week - July 19, 2017 - Principals Are Loath to Give Their Teachers Bad Ratings
Education Week - July 19, 2017 - Is There Really a ‘Skills Gap’?
Education Week - July 19, 2017 - 9
Education Week - July 19, 2017 - Personalized Learning Gets a Fresh Push
Education Week - July 19, 2017 - Personalized Learning: ‘A Cautionary Tale’
Education Week - July 19, 2017 - 12
Education Week - July 19, 2017 - 13
Education Week - July 19, 2017 - 14
Education Week - July 19, 2017 - 15
Education Week - July 19, 2017 - 16
Education Week - July 19, 2017 - 17
Education Week - July 19, 2017 - States Bristle as Ed. Dept. Rolls Out ESSA-Plan Feedback
Education Week - July 19, 2017 - Health-Care Overhaul: The States for K-12
Education Week - July 19, 2017 - K-12 and the U.S. Supreme Court: 2016-17 Term
Education Week - July 19, 2017 - K-12 Panel Advances Budget Bill
Education Week - July 19, 2017 - Karin Chenoweth: What ‘Unexpected’ Schools Do That Other Schools Don’t
Education Week - July 19, 2017 - Letters
Education Week - July 19, 2017 - 24
Education Week - July 19, 2017 - 25
Education Week - July 19, 2017 - TopSchoolJobs Recruitment Marketplace
Education Week - July 19, 2017 - 27
Education Week - July 19, 2017 - Megan Coval: If the Trump Administration Moves Student Loans, What Does It Need to Know First?
Education Week - July 19, 2017 - CW1
Education Week - July 19, 2017 - CW2
Education Week - July 19, 2017 - CW3
Education Week - July 19, 2017 - CW4
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