Student loan consolidation: joint hearings before the Subcommittee on Postsecondary Education of the Committee on Education and Labor, House of Representatives and the Subcommittee on Education, Arts, and Humanities of the Committee on Labor and Human Resources, United States Senate, Ninety-eighth Congress, first session, hearings held in Washington, D.C., on May 25, and June 8, 1983
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9 percent Accounting Ofﬁce application balance loans believe beneﬁts BIKLEN bonds borrower certiﬁcate Chairman cial Citibank Colorado consolidated loans creditor debt default rate Department of Education difﬁculty direct lenders ELMENDORF extending loan consolidation Federal Government ﬁgure ﬁnanced ﬁnancial ﬁnd ﬁrst graduated repayment gram GSL loans GSLís guarantee agency guaranteed student loan GUNDERSON HENIG increase indebtedness Indiana Secondary Market interest rate issue JEFFORDS Kentucky legislation loan amounts loan consolidation authority loan consolidation program Loan Marketing Association Maeís maximum ment million monthly payments NDSLís NSLP ofﬁcials OPTIONS program participate PAUL SIMON payoff percent loans PETRI portfolio potential private lenders problems programs we visited Promissory Note reduce repay repayment schedule repayment terms Sallie Mae Senator STAFFORD signiﬁcant SIMON special allowance payments speciﬁc student loan consolidation Student Loan Marketing student loan program Subcommittee tax-exempt testimony Thank tion