3 linggo na lang ata defense na. bago daw magexam eh. oo. wala pa kaming system. Major design meron na pero ung laman? wala pa. ung database wala pa. dahil sa tamad na tamad ako ngayong semester. T.T
after talaga ng pupuntahan ko mamaya. i’ll go study na ung database. dahil kapag di ako kumilos baka maulit na naman na bagsak na naman ako sa visual basic. dot net nga lang ngayon at hindi ko hahayaan un! think positive. at eports please. :D
Konstantin Barulin goes “topless” to try to stop Miroslav Šatan during the 2014 KHL All-Star Game. Sports.ru reported yesterday that Barulin will play in the NHL next season for the St. Louis Blues, who drafted him back in 2003.
Education Department Says College Loan Giant Didn’t Cheat Troops
The U.S. Department of Education says college loan giant Navient didn’t cheat American troops by giving them high interest rates. Instead, the department said that Navient “complied in the vast majority of cases.”
Education officials had investigated Navient after the Department of Justice found that a high percentage of active service members had college loans with interest rates that were too high. Navient and its former parent company, Sallie Mae, settled a justice department lawsuit in 2014 by agreeing to refund roughly 60,000 troops about $60 million.
The Education Department said its probe found that Navient was more likely to wrongfully provide troops with benefits they weren’t entitled to rather than to deny them benefits they should have received.
The law caps interest rates on student loans at 6 percent for borrowers entering active duty. In a review of 23 borrowers’ files, just one was incorrectly denied rights under the Servicemembers Civil Relief Act, while six borrowers had their interest rates reduced even though they weren’t entitled to the benefit.
Navient will keep its lucrative Education Department contract to collect borrowers’ monthly payments on their federal student loans, department spokeswoman Dorie Nolt said. Patricia Christel, a Navient spokeswoman, didn’t respond to a request for comment.
When the complaint and settlement were announced last year, Education Secretary Arne Duncan said his department had launched a review to determine whether the company had violated its loan-servicing contract with his department as a result of the Justice Department allegations. Duncan’s department had effectively ignored past warnings by other federal authorities that Navient was allegedly harming troops. The contract forbids companies from violating relevant federal and state laws.
The 8 percent figure from the Justice Department suggested that Navient would face a tough battle in trying to keep its contract.
But the Education Department used its own criteria to determine whether the company flouted federal law, rather than the Justice Department’s interpretation of the provision. The Justice Department is responsible for interpreting and enforcing the law, and it has taken a more expansive reading of the provision to ensure that troops don’t face any obstacles in trying to receive the law’s benefits.
But in the Education Department’s reckoning, troops had to specifically request the law’s benefits in writing. They also had to provide a copy of their military orders.
Basically, the justice department saw a problem, but the education department saw a mistake. The fundamental difference in the two entities’ interpretation of the law is quite interesting. The justice department seems to be looking out for the troops, while the education department seems to be looking out for Navient.
These college loan companies are behemoths. Hardly accountable to anyone, they make money by putting students into debt. In this case, they gave some soldiers lower rates than they should, gave others higher rates, and did everything but administer the loans equitably.
It’s hard to imagine any other industry staying in business after failing to do its single fundamental duty. It’s like a restaurant that charges you more than the menu price unless you ask, in writing, to be charged the menu price. Pretty ridiculous. But I guess in the elite world of education bureaucracy, it’s more important to be scratching backs than helping people better themselves.