Details, Details
Applications with only checkboxes selected and no narrative text are an example of this.
What are conclusory allegations?
When you are writing a letter your margin format should be this.
What is full justification?
1) If the allegation relates to an _____, you would add this additional sentence when you introduce the applicable law.
--------------------------------------------------------
2) The applicable law states that to receive relief, a borrower must demonstrate that their school (1) made a misrepresentation; (2) that is substantial; (3) that the borrower reasonably relied on; (4) to their detriment.
A statement that ___ information in such a way as to make the statement ___, ___, or ___ may be considered a misrepresentation.
1) What is an omission?
2) A statement that omits information in such a way as to make the statement false, erroneous, or misleading may be considered a misrepresentation.
True or False: Punctuation always goes INSIDE the quotation marks at the end of a quote.
True
Questions that MUST be answered in narrative text for a misrepresentation claim to be considered.
What are: who, what, how?
[(a) specifically what the school said, (b) who told the borrower the information, and (c) how the information was provided.]
Note (to be sufficiently detailed, borrower's response should generally cover the following:
What are:
When and where were you told this information?
How was this information deceptive or misleading and how did you determine the information was deceptive or misleading? )
Check to see if the application you are reviewing includes one of these 4 bases for claims for which we are not currently writing letters.
Set the case aside if the borrower makes an allegation related to Judgment, Breach of Contract, Closed School Discharge and/or False Cert.
1) If the allegation relates to __________ or state licensure, you would add this sentence to your analysis.
--------------------------------------------
2) Further, at the time of your attendance, your school was Title IV eligible, meaning that the school was _____ by a Department-recognized accreditor and licensed by each state in which the school operated.
1) What is Institutional Accreditation?
2) What is accredited?
You would use these to 1) offset block quotes and 2) when quoting something that is a full sentence.
What are colons?
These are the two types of corroborating evidence that should be considered in a credibility determination.
What are (1) borrower attachments to the application and (2) other borrower applications?
These are two things you need to do if a borrower’s application includes attachments.
What is describe the attachments in the letter (in the fact section) and write attachments in the header?
When you are writing a letter, you would include the harm paragraph below (at the end of the first allegation only) in cases where _____________.
“Your application also includes statements relating to the harm you experienced in connection with your enrollment at this school. These statements do not constitute separate allegations; however, they were considered during the review of this allegation and subsequent allegations addressed in this letter."
1) borrower writes attenuated/extensive harm statements that you haven't already captured within the facts paragraph
and/or
2) borrower discusses harm extensively in the Financial Harm Section that you haven't already captured within the facts paragraph
Example (Harm Paragraph Not Required)
In your application when asked to provide information about the difficulties you have had getting a job in your field of study you wrote: “I struggled to find employment and did not have assistance with identifying the proper certifications I qualified for. I was also not adequately trained to teach Common Core which was another setback in finding a job.”
You would use these to
1) offset a quote when you’ve used an explicit introductory phrase:
•Ex: On your application you said, “School staff lied.”
2) when your quote comes in the middle of the sentence:
•Ex: You stated, “I wanted to improve my life,” under this check box.
3) when you are not quoting a something that could be a sentence on its own (a.k.a. a dependent clause):
•Ex: You explained that you enrolled in the school, “to improve my life.”
What are commas?
If the borrower's allegation is otherwise approvable, this checkbox alone is sufficient to establish an element of a substantial misrepresentation claim.
What is the reliance checkbox?
When writing a letter, this is what you will use to recite allegations from a borrower’s application.
What is direct quote?
You only need to use the paragraph below when the borrower checks "no" in response to which question?
[Your application also does not demonstrate _____. On your application, in response to the question “was the alleged misrepresentation the basis of or pivotal to your decision to attend the school,” you checked “No.” Additionally, you did not state anything about whether this alleged misrepresentation was the basis of or pivotal to your decision to take out loans or continue your enrollment.]
What is reliance?
True or False: You can skip punctuation around quotations.
True (in very few instances)
ONLY when what you are quoting fits seamlessly into your sentence:
Ex: In your application, you wrote that the school “lied, cheated, and stole.”
These are the factors in a credibility analysis of a borrower's application.
What are (1) level of detail, (2) personal knowledge, (3) internal consistency, (4) corroborating evidence?
1) These are two places – aside from the PDF application – that you should check for additional allegation text when writing a decision letter.
2) This is the field on the borrower's application in which a borrower's response may not usually appear on the PDF application, but will appear within the allegation in Salesforce itself.
1) What are web comments and Salesforce allegations?
2) What is the Misconduct Date Explanation field?
1) You use this sentence when you have multiple allegations under the same category (i.e. EP with checked boxes for job placement rate/guaranteed employment/accreditation) and you have already described the borrower's responses regarding how they communicated with the school, the difficulty of finding a job, the financial impact, the date they discovered the information was inaccurate, the misconduct data explanation, whether or not they relied etc.
2) You add this paragraph when you have multiple allegations under the same category (i.e. EP with checked boxes for job placement rate/guaranteed employment/accreditation) and you have already outlined the additional helpful information that the borrower needs to provide when writing up the first allegation.
1) This checkbox appears in the Employment Prospects section of the application. For this reason, the answers you provided to the questions that appear in this section of the application, described in Allegation 1 above, also apply to this allegation.
2) For this allegation to be approvable, the Department needs additional information regarding the specific facts and circumstances surrounding the alleged substantial misrepresentation. Additional helpful information (some of which you may have already provided) can include answers to the questions listed above in Allegation 1.
True or False: If the borrower uses double quotations around narrative text, you can change it to single quotations when writing the letter.
Ex. "They believed in a 'do it yourself and make mistakes to learn' teaching."
True (However, remember that you should include direct quotes of the allegations exactly as they are written.)