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30 days 30 percent addition administrative costs agen Agency Collection Practices borrower's collecting defaulted loans collection contractors Collections More Quickly Congress Council of Higher credit bureaus default claims default collections default payments defaulted borrowers defaulted student loans Department of Education Department officials Department's share Education Loan Programs eight agencies Federal Government's Interest fiscal year 1986 FISL Given to Repay Guaranteed Student Loan Guaranty Agency Collection Higher Education Loan implemented income tax refund increase Internal Revenue Service Joint Standards Loan Data System mandatory assignment ment million National Council National Student Loan NCHELP penalty Perkins Loan practices and procedures program regulations promissory note Protect the Federal reasonable collection costs recommendation reduce default costs refund offset program reinsured loans Remit Collections Repay Their Loans repayment period require that guaranty rowers Secretary of Education share of collections Student Loan Data Student Loan Program tax refund offset U.S. Postal Service unpaid costs