[19971117]97-916_学生贷款合并.pdf

97-916 EPW Updated November 17, 1997 .CRS Report for Congress .Student Loan Consolidation Slargot A. Schenet Specialist in Social Legislation Education and Public Welfare Division Summary Title T V of the Higher Education Act (HEA) authorizes the major federal student aid program, including the guaranteed and direct student loan programs. T n FYI 996; these loan programs supported an estimated $30 billion in various types of loans; borrowers may simplify their repayments by combining their loans into a consolidation loan. This report describes student loan consolidation recent problems with the Federal Direct Student LoanConsolidation program and H.R. 2535 and S. 1294, hills designed to ameliorate the impact of these problems for borrowers. Tncluded in the conference versior ofthe FYI 998 Labor, Health and Hunan Services and Education Appropriatiols bill, the Emergency Student Loan Consolidation Act was passed and signed by the President November 13, 1997 (P I. 105-78). Federal Family Education b a n (FFEL) progranls authorizd by Part B of Title T V of the HEA insure and subsidize loans private lenders make to students or their parents to help them meet the costs of postsecondary e