SettleADebt.
Get debt help
Home/Debt topics

FIND THE EXPLANATION

Share household costs without confusing who owes

Before a household shares a payment, make sure it understands whether it is also sharing legal responsibility.

Read the complete guide →

This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.

If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.

Original source archive (optional)Original working documents, complete tables and revision history
About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

Home / Research library / R077
DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Federal Title IV nonattendance and withdrawal-return framework

R077 · pass-01Captured 2026-10-2817 tables · 112 claim records · 34 source recordsScoped coordinator review completed

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

SettleADebt R077 PASS-01

Research status and controlling distinctions

Actual access/check date: October 27, 2026, America/Los_Angeles. The corresponding browsing session occurred on October 28, 2026 UTC. The complete bodies of 20 USC 1091b, 34 CFR 668.21, and 34 CFR 668.22 were read, together with the bounded cross-references and historical instruments identified below. No earlier report supplies a premise for this investigation.

The selected framework contains three materially different routes:

  1. Failure to begin attendance: §668.21 allocates return responsibilities by program and by whether funds were credited to the institutional account, paid to the institution, or disbursed directly to the student.
  2. Withdrawal after beginning attendance: §668.22 determines whether a withdrawal occurred, identifies the applicable dates and period, calculates earned assistance, and allocates return or post-withdrawal-disbursement responsibilities.
  3. The optional full-refund withdrawal exemption added by the 2025 final rule: this requires all the specified record-treatment, aid-return, institutional-refund, and balance-cancellation conditions. Its availability does not establish that an institution elected or satisfied it. C022–C039. ecfr.gov+2

Currentness is bounded. The successful official statutory compilation displayed currency through Public Law 119-124, October 15, 2026. The latest successful eCFR checks displayed Title 34 current through October 26, 2026, with a title-wide last-amended date of October 8, 2026. These are compilation labels, not a certification that every intervening enactment, correction, judicial decision, or institution’s implementation has been examined. The eCFR describes itself as authoritative but unofficial and not the official legal edition of the CFR. C001–C004, C109. uscode.house.gov+2

Several discrepancies must remain visible: statutory and regulatory unearned-aid wording uses different bases; the grant-protection provisions use different descriptions of the grant base; disaster provisions use different year/event terminology; and several current regulatory cross-references point to provisions that have been renumbered or no longer contain the described rule. These are documented below rather than silently corrected. C065, C074, C077, C104–C107.

Register conventions

  • S001 means R077-P1-S001, and similarly for every source identifier.
  • C001 means R077-P1-C001, and similarly for every atomic claim identifier.
  • M identifies a measurement-register row; B a conditional branch; D a comparison row.
  • R means a rule supported by the retrieved current text; G means official guidance; H means historical authority; P means partial or unresolved.
  • All source-register entries concern United States federal law or federal agency instructions and were accessed on October 27, 2026, America/Los_Angeles.
  • HTML has no PDF index. PDF indices below are zero-based. PDF review was of parsed text; no claim is made to have inspected page pixels.

1. Source register

Current statutory and regulatory bodies

Source ID Issuer, title, complete literal HTTPS URL Exact actual read bounds Version, status, application, and limits
R077-P1-S001 Office of the Law Revision Counsel, 20 USC 1091b—Institutional refunds. https://uscode.house.gov/us/usc/119-124/t20/s1091b/ Complete §1091b(a)–(e), source credit, displayed editorial/amendment/effective-date notes. HTML; no PDF index. Displayed through PL 119-124, October 15, 2026. Enacted statutory text in current compilation; selected original enactments separately authenticated below. Earlier failed endpoints remain in the failure log. Not an exhaustive later-law audit. uscode.house.gov
R077-P1-S002 Department of Education; OFR/GPO eCFR, 34 CFR Part 668, Subpart B, §§668.21 and 668.22. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.21 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.22 Complete §668.21(a)–(d) and complete §668.22(a)–(l), including source credits and nested clauses. HTML. Latest displayed currency October 26, 2026; title last amended October 8, 2026. Earlier retrieval displayed October 23. Current eCFR compilation, authoritative but unofficial. §668.22’s material 2025 amendments became effective July 1, 2026, subject to specified early implementation. Same regulatory instrument, not independent corroboration. ecfr.gov+2
R077-P1-S003 ED/OFR/GPO, 34 CFR 600.2—Definitions. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2 Complete selected definitions: academic engagement, academic year/award-year-related terminology where present, clock hour, credit hour, correspondence course, distance education, educational program, eligible institution. Remainder not adopted as a complete eligibility dossier. HTML. Latest title currency October 26, 2026. Current codification; individual definitions’ complete amendment chains not reconstructed. Incorporated institutional/accreditation qualifications remain held. ecfr.gov+1
R077-P1-S004 ED/OFR/GPO, 34 CFR Part 668, Subpart A. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.3 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.8 §668.2: complete selected definitions full-time, half-time, subscription-based program, parent, participating institution, FWS, SAR/ISIR, and scope-limited “student”; relevant program definitions. Complete §§668.3 and 668.4. §668.8 (k)–(l) complete, with introductory context; not whole §668.8. Latest title currency October 26, 2026. Current codification. §668.4(d) contains cross-references not matched by current target paragraphs; preserved as unresolved. Full institutional/program eligibility remains outside scope. ecfr.gov+3
R077-P1-S005 ED/OFR/GPO, 34 CFR 690.63—Calculation of a Federal Pell Grant for a payment period. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-F/section-690.63 Complete (a)(1)–(2) for standard/nonstandard calendar classification. Other Pell calculation provisions not read as a complete regime. HTML. Latest title currency October 26, 2026. Used only for §668.22(l)(8)’s calendar boundary, not a Pell award computation. ecfr.gov
R077-P1-S006 ED/OFR/GPO, 34 CFR Part 668, Subpart K—Cash Management. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.163 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.164 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.165 §668.163 (a)–(b); §668.164 (a)–(c), (d)(1)–(3), (h), (i), (j), (m) complete selected clauses; beginning of (d)(4) encountered, not full bank-arrangement regime. §668.165 (a)–(b) complete. Latest title currency October 26, 2026. §668.164(j) is the current late-disbursement provision; (i) addresses early disbursement. Other cash-management, account, unclaimed-payment, and delivery regimes not completed. ecfr.gov+3
R077-P1-S007 ED/OFR/GPO, 34 CFR 668.173—Refund reserve standards. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-L/section-668.173 Complete (b), with necessary surrounding applicability context. Reserve, audit, and letter-of-credit regime not adopted. HTML. Latest title currency October 26, 2026. Used for institutional return methods and check-timeliness conditions. ecfr.gov
R077-P1-S008 ED/OFR/GPO, 34 CFR 668.43—Institutional and programmatic information. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-D/section-668.43 Complete (a)(2)–(4) with introductory requirement. No actual disclosure or institutional policy inspected. Latest title currency October 26, 2026. Future amendment to paragraph (d) examined separately; it is not a substitute for these selected paragraphs. ecfr.gov
R077-P1-S009 ED/OFR/GPO, 34 CFR 685.211—Miscellaneous repayment provisions. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-B/section-685.211 Complete (c) and (e). Other repayment, rehabilitation, and collection provisions not adopted. Latest title currency October 26, 2026. Narrow incorporation from §668.21 and principal-credit distinction only; no actual default or collection finding. ecfr.gov
R077-P1-S010 ED/OFR/GPO, 34 CFR 685.303—Processing loan proceeds, and 685.301—Origination. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.303 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.301 §685.303 (b)(1), (b)(4)–(5) complete; adjacent (b), selected (d), and (f) inspected for limits. §685.301 current paragraph structure and (b) read to test §668.4(d)’s reference. Latest title currency October 26, 2026. No complete origination, loan-limit, cohort-default-rate, or promissory-note dossier. Current §685.301(b) does not contain (b)(8). ecfr.gov+1
R077-P1-S011 ED/OFR/GPO, 34 CFR 682.412, 682.411, 682.604. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.412 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.411 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-F/section-682.604 Complete §682.412(a)–(e); §682.411(f) complete with adjacent delinquency context; current §682.604 body inspected to test the referenced (c)(10). Latest title currency October 26, 2026. §682.604 now concerns exit counseling and has no (c)(10). Broader FFEL collection/default-claim machinery held. §682.207 failures logged separately. ecfr.gov+2
R077-P1-S012 OLRC, 20 USC 1089—Master calendar. https://uscode.house.gov/us/usc/119-124/t20/s1089/ Complete (c)(1)–(2). Other master-calendar requirements not adopted. HTML. Compilation through PL 119-124, October 15, 2026. Statutory final-publication/award-year and designated early-implementation framework. uscode.house.gov
R077-P1-S013 OLRC, 42 USC 5170—Procedure for declaration. https://uscode.house.gov/us/usc/119-124/t42/s5170/ Complete (a)–(c). No declaration, geographic list, disaster record, or broader Stafford Act dossier inspected. Compilation through PL 119-124, October 15, 2026. Used only to identify the formal presidential-declaration predicate incorporated by the return provisions. uscode.house.gov
R077-P1-S031 ED/OFR/GPO, 34 CFR 668.236—Eligible prison education program. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-P/section-668.236 Complete (a)–(c) read. Its incorporated program, institution, oversight, accreditation, licensing, and best-interest regimes not completed. Latest title currency October 26, 2026. Establishes that the LOA exception refers to a conditioned legal category, not simply incarceration or a program label. Qualification remains held. ecfr.gov
R077-P1-S034 ED/OFR/GPO, 34 CFR 690.75—Determination of eligibility for payment; 686.31—Determination of eligibility for payment and cancellation of a TEACH Grant. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-G/section-690.75 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-686/subpart-D/section-686.31 §690.75 complete body; §686.31 complete (a) and adjacent (b)–(e) encountered. Reliance limited to preceding-payment-period completion and the cumulative prerequisites in (a). Latest rechecks October 26, 2026; earlier cached views displayed October 20 and October 2 respectively. Full grant eligibility, service obligations, cancellation, and satisfactory-progress remedies held. ecfr.gov+1

Material adoption, application, and interpretive instruments

Source ID Issuer, instrument, complete literal HTTPS URL Exact actual read bounds; printed page / PDF index Status and dates
R077-P1-S014 ED, Program Integrity and Institutional Quality: Distance Education and Return of Title IV, HEA Funds, final rule. https://www.govinfo.gov/content/pkg/FR-2025-01-03/pdf/2024-31031.pdf Dates and Implementation V, printed 470–471 / indices 0–1; complete relevant R2T4 discussion of unadopted nonattendance proposal, full-refund exemption, attendance documentation, unadopted distance-attendance proposal, prison-program LOA, clock-hour and module changes, 483–489 / 13–19; complete instruction 12 amending §668.22, p.504 / index34. Not all 35 pages. Published January 3, 2025; generally effective July 1, 2026. Specified early implementation February 3, 2025 for the full-refund exemption and prison-program LOA provision. Preamble interpretation distinguished from amendatory text. govinfo.gov+2
R077-P1-S015 Federal Student Aid, GENERAL-26-20—Implementation of R2T4 Regulations Effective July 1, 2026. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2026-03-27/implementation-return-title-iv-funds-r2t4-regulations-effective-july-1-2026 Complete substantive announcement body, including implementation, withdrawal exemption, attendance documentation, modules, clock hours, and LOA explanation. HTML. Posted March 27, 2026. Official operational interpretation, not a regulation. States application to withdrawal, cessation of attendance, or beginning approved LOA on/after July 1, 2026. No actual implementation verified. Knowledge Center
R077-P1-S016 FSA, 2026–2027 Federal Student Aid Handbook, Volume 5, Chapter 1 and Chapter 2 Parts 1–2. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch1-general-requirements-withdrawals-and-return-title-iv-funds ; https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-1 ; https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-2 Chapter 1: complete selected headings on introductory distinctions, withdrawal exemptions/49% denominator, institutional charges through proration, rounding, included funds and limits. Chapter 2 Part 1: complete selected Step 1 aid categories; selected attendance, overlapping periods, and clock-hour discussions. Part 2 only introductory extract successfully read; later body retrieval failed. No whole-volume claim. Edition 2026–2027. Ch.1 and Ch.2 Part1 displayed last modified June 20, 2026, with older host publication dates March 28, 2021 and January 11, 2022. Official guidance; not an independent source of legislation. Published numerical stories were not adopted or reproduced. 2026-2027 Federal Student Aid Handbook+3
R077-P1-S017 Congress/GPO, PL 105-244, Higher Education Amendments of 1998. https://www.govinfo.gov/content/pkg/PLAW-105publ244/html/PLAW-105publ244.htm Complete §485, rewriting HEA §484B, 112 Stat.1737–1741; §3 general effective clause. HTML statutory pagination; no PDF index. Rest of Act not read. Enacted October 7, 1998. §484B(e)’s specific two-year implementation/early-election language distinguished from §3’s general October 1, 1998 effective rule. govinfo.gov+2
R077-P1-S018 Congress/GPO, PL 109-66, Pell Grant Hurricane and Disaster Relief Act. https://www.govinfo.gov/content/pkg/PLAW-109publ66/html/PLAW-109publ66.htm Complete enacted body and approval; 119 Stat.1999–2000. HTML; no PDF index. Approved September 21, 2005. Adds Pell student-return waiver authority; no separate delayed effective clause found in the complete short Act. govinfo.gov
R077-P1-S019 Congress/GPO, PL 109-67, Student Grant Hurricane and Disaster Relief Act. https://www.govinfo.gov/content/pkg/PLAW-109publ67/html/PLAW-109publ67.htm Complete enacted body and approval; 119 Stat.2001–2002. HTML. Approved September 21, 2005. Adds corresponding other-grant waiver authority; no separate delayed effective clause found. govinfo.gov
R077-P1-S020 Congress/GPO, PL 109-171, Higher Education Reconciliation Act provisions. https://www.govinfo.gov/content/pkg/PLAW-109publ171/html/PLAW-109publ171.htm Complete §8022, 120 Stat.178–179; complete §8001(c) effective clause. Printed page for the latter was not separately established in the selected HTML extract. Whole Act not read. Enacted February 8, 2006; selected amendments effective July 1, 2006, except otherwise provided. govinfo.gov+1
R077-P1-S021 ED, Student Assistance General Provisions; FFEL; Direct Loan, 1999 final rule. https://www.govinfo.gov/content/pkg/FR-1999-11-01/pdf/99-28315.pdf Dates/implementation, 59016 / index0; complete instruction 5’s then-new §668.22, 59038–59042 / indices22–26. Not all 29 pages. Published November 1, 1999; regulatory effective date July 1, 2000; stated mandatory implementation October 7, 2000; early implementation from November 1, 1999 with entire-rule, all-withdrawals, and no-reversion conditions. Historical text, later amended. govinfo.gov+3
R077-P1-S022 ED, Federal Student Aid Programs, 2002 final rule. https://www.federalregister.gov/documents/2002/11/01/02-27627/federal-student-aid-programs Dates and complete selected instruction 11, §668.22, printed 67073; HTML, no PDF index. Published November 1, 2002; selected rule effective July 1, 2003; permitted early implementation November 1, 2002. Unrelated differently effective provision not imported. federalregister.gov+1
R077-P1-S023 ED, Federal Student Aid Programs, 2006 interim final rule. https://www.federalregister.gov/documents/2006/08/09/06-6696/federal-student-aid-programs Dates; complete instruction 13 amending §668.22, printed 45694–45696; complete selected grant-protection and disaster explanation, including 45671–45672 context. HTML. Published August 9, 2006; effective September 8, 2006. Historical interim final rule; separate information-collection approval condition noted, later approval notice not authenticated. federalregister.gov+1
R077-P1-S024 ED, Federal Student Aid Programs, 2006 final rule. https://www.federalregister.gov/documents/2006/11/01/E6-18183/federal-student-aid-programs Dates and complete instruction 4, §668.22, printed 64397. HTML. Published November 1, 2006; effective December 1, 2006. Changes include written late-PWD outcome, grant-program wording, and disaster “occurred” wording. federalregister.gov
R077-P1-S025 ED, Federal Student Aid Programs, 2007 final rule. https://www.govinfo.gov/content/pkg/FR-2007-11-01/pdf/E7-21083.pdf Header dates; complete instruction 5’s §668.21 and complete instruction 6’s PWD paragraph, printed 62027–62028 / indices13–14. Other amendments selected only; not whole 21-page instrument. Published November 1, 2007; effective July 1, 2008; early implementation permitted November 1, 2007. Historical source for current nonattendance and PWD architecture. govinfo.gov+2
R077-P1-S026 ED, TEACH Grant Program and Other Federal Student Aid Programs, final rule. https://www.federalregister.gov/documents/2008/06/23/E8-13587/the-teacher-education-assistance-for-college-and-higher-education-teach-grant-program-and-other Dates and complete selected instructions 8–9, §§668.21–.22, printed 35493. HTML. Published June 23, 2008; effective July 1, 2008. TEACH additions only; full service/loan-conversion regime not investigated. federalregister.gov+1
R077-P1-S027 ED, Program Integrity Issues, 2010 final rule. https://www.federalregister.gov/documents/2010/10/29/2010-26531/program-integrity-issues Dates; complete instruction 18, §668.22, printed 66951–66952. HTML. Published October 29, 2010; selected changes effective July 1, 2011. Includes attendance/category and numbering changes; later module amendments separately read. federalregister.gov
R077-P1-S028 ED, Program Integrity and Improvement, 2015 final rule. https://www.govinfo.gov/content/pkg/FR-2015-10-30/pdf/2015-27145.pdf Dates; complete amendatory §668.164(j), printed 67199–67200 / indices73–74. Other cash-management amendments not completed; not whole 76-page rule. Published October 30, 2015; selected rule effective July 1, 2016. Establishes actual adopted late-disbursement paragraph (j). govinfo.gov
R077-P1-S029 ED, Distance Education and Innovation, 2020 final rule. https://www.govinfo.gov/content/pkg/FR-2020-09-02/pdf/2020-18636.pdf Dates/implementation, 54742–54743 / indices0–1; complete instruction 20, §668.22, 54816–54818 / indices74–76. Not whole 77-page instrument. Published September 2, 2020; effective July 1, 2021; early implementation permitted September 2, 2020. Actual instruction changes §668.22(a)(5)’s reference to (i) while changing (l)(1)/(4) to (j). govinfo.gov+2
R077-P1-S030 ED, Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: STATS and Earnings Accountability, final rule. https://www.federalregister.gov/documents/2026/07/01/2026-13286/accountability-in-higher-education-and-access-through-demand--driven-workforce-pell-student-tuition Dates; complete instruction 5’s list of §668.2 definitions changed; instruction 8’s scope revising §668.43(d), and selected replacement text. Printed locators 40280, 40282; HTML. Not the whole earnings-accountability regime. Published July 1, 2026; generally effective July 1, 2027, except instructions 13–14 effective August 31, 2026. The selected future definition changes do not rewrite the full-time/half-time definitions used here; instruction 8 concerns (d), not (a)(2)–(4). federalregister.gov+2
R077-P1-S032 Congress/GPO, PL 117-103, Division R, FAFSA Simplification Act Technical Corrections Act. https://www.govinfo.gov/content/pkg/PLAW-117publ103/html/PLAW-117publ103.htm Complete §102(a)–(c), 136 Stat.819–820. Other divisions and substantive FAFSA formulas not completed. HTML. Enacted March 15, 2022. Authenticates changes to July 1, 2024/award year 2024–2025 and specified earlier-implementation conditions. Original PL 116-260 body retrieval failed; complete SAI replacement chain therefore remains partial. govinfo.gov
R077-P1-S033 Congress/GPO, PL 116-260, Division FF, Title VII, discovery target only. https://www.govinfo.gov/content/pkg/PLAW-116publ260/html/PLAW-116publ260.htm ; https://www.govinfo.gov/content/pkg/PLAW-116publ260/pdf/PLAW-116publ260.pdf ; https://www.congress.gov/116/plaws/publ260/PLAW-116publ260.pdf No successful original-body read: HTML size limit, PDF parse failure, and restricted alternate URL. Failed/discovery-only source; supports no substantive proposition. S032’s actual amendatory body and S016’s current guidance do not substitute for reading this missing original.

2. Substantive findings and atomic claim register

The following tables constitute the substantive findings. Each claim is conditional on the legal category and facts specified; none is an application to an actual or invented student, parent, institution, or transaction.

A. Scope, definitions, periods, and source status

Claim ID Supported proposition and consequential qualifications Exact authority and scope
C001 The three selected core bodies were read completely. Their displayed currency is distinct from this investigation’s access date and from legal effectiveness. No exhaustive later-law or judicial certification follows. S001 complete §1091b and notes; S002 complete §§668.21–.22 and headers.
C002 The 2025 rule’s selected amendments became generally effective July 1, 2026. Only the full-refund withdrawal exemption and eligible-prison-program LOA change were designated for early implementation beginning February 3, 2025. Availability of an optional exemption is not compulsory use of it. S014, Dates, Implementation V, instruction 12. govinfo.gov
C003 FSA’s implementation announcement applies the new requirements to students who withdraw, cease attendance, or begin an approved LOA on or after July 1, 2026. An institution’s actual early-implementation decision is absent. S015, implementation paragraphs; G, subordinate to S014.
C004 The handbook is official guidance for the displayed 2026–2027 edition. Its June 20, 2026 modification labels and older webpage publication dates are not enactment dates, and its operational explanations do not replace conflicting statutory or regulatory wording. S016, edition/footer and selected bodies.
C005 §1091b concerns a recipient of covered Title IV grant or loan assistance who withdraws during a payment period or enrollment period in which attendance began; assistance under Part C is excluded. The selected FWS definition identifies FWS as the Title IV-C employment program. S001 §1091b(a)(1); S004 §668.2, FWS definition.
C006 Current §668.22(a)(3) lists only Direct Loan, Pell, Iraq and Afghanistan Service Grant, TEACH, and FSEOG assistance. It excludes the nonfederal FSEOG share when matching is by the individual-recipient or aggregate method. The handbook includes both shares for a fund-specific match. Presence in the text does not establish current award availability. S002 §668.22(a)(3); S016 Ch.1, “FSEOG Program Funds.” ecfr.gov+1
C007 §668.21 has a different express program list: Perkins, FSEOG, TEACH, Pell, ACG, and National SMART for its all-funds rule; FFEL and Direct Loan funds receive separate treatment. Its wording is not interchangeable with §668.22(a)(3). S002 §668.21(a)(1)–(2).
C008 A “recipient” for §668.22 is a student for whom §668.164(j)(2)’s conditions have been met. That includes a processed official aid record before loss of eligibility and, for the specified programs, timely origination or award. Receipt of cash alone is not the definition. S002 §668.22(l)(4); S006 §668.164(j)(2).
C009 The selected rules distinguish institution, student, and parent PLUS borrower. §668.2’s parent definition includes biological/adoptive parents and the specified stepparent circumstance; a participating institution must be eligible, meet Subpart B standards, and have a current participation agreement. The separate §668.2 “student” definition expressly limited to Subparts Q/S and §668.43(d) must not be imported into R2T4. S004 §668.2, complete selected definitions. Full institutional eligibility and parent-loan eligibility remain held.
C010 Academic engagement requires active participation in an institution-defined instructional activity consistent with applicable accreditor/State requirements. Covered examples include interactive class attendance, assignments, examinations, interactive instruction, assigned group/discussion activity, and academic interaction with an instructor. Housing, meal-plan use, logging in without participation, and academic counseling/advisement alone are excluded. S003 §600.2, “Academic engagement,” complete definition.
C011 For §668.22, academic attendance/activity must include academic engagement; the institution must determine and document it. A student’s unsupported certification is insufficient. This is an evidentiary rule, not a finding that any absent record proves misconduct. S002 §668.22(l)(7).
C012 A modular program uses a standard or nonstandard-term calendar, is not subscription-based, and has a course or courses shorter than the full period. “Substantially equal” permits no term more than two instructional weeks longer than another. Nonstandard status depends on the incorporated §690.63(a)(1)–(2) calendar tests. S002 §668.22(l)(5)–(8); S004 §668.4(h); S005.
C013 A subscription program charges by subscription for each term with an expected credit quantity; coursework need not start/end within that term. Enrollment status is established for the program, changeable no more than once per academic year. Subsequent-disbursement credit requirements aggregate applicable status-based credits for attended terms, excluding the current and most recently attended terms; less-than-half-time terms use at least one credit or equivalent. S004 §668.2, complete “Subscription-based program.” This definition does not establish anyone’s entitlement.
C014 Full-time is an institution-determined, uniformly applied workload subject to the applicable minimum and course-repeat rules. Half-time generally means at least half the applicable full-time minimum, with a separate sole-correspondence rule. The complete category-dependent numerical standards are recorded in M031–M032; a familiar “six credits” shorthand is not universal. S004 §668.2, complete full-time and half-time definitions. ecfr.gov
C015 Credit hours and clock hours are distinct legal units. Credit-hour equivalence permits different delivery methods/calendars but requires the defined institutional/accreditor framework. Clock-hour definitions include specified instructional-minute and monitored-distance-activity conditions. Certain undergraduate credit-hour programs require the separate §668.8(k)–(l) conversion unless a stated exception applies. S003 §600.2; S004 §668.8(k)–(l); M033–M034. No program conversion performed.
C016 An award year runs July 1–June 30. An academic year is an instructional/hours construct under §668.3, with a conditional Secretary-approved reduced-week route. These terms cannot be substituted for one another in the disaster waiver or period calculation. S003 “Award year”; S004 complete §668.3; M035.
C017 For eligible credit-hour programs using standard terms or substantially equal nonstandard terms, §668.4(a) makes the academic term the payment period. Unequal nonstandard terms use different grant/Perkins and FFEL/Direct Loan definitions. S004 §668.4(a)–(b), subject to unresolved (d).
C018 In the specified unequal-term loan, nonterm-credit, and clock-hour categories, payment periods depend on successful completion of both hours and weeks, using the program, academic year, or remaining portion as the prescribed base. Remaining portions at or below half an academic year receive different treatment from portions above half. If completion of half the hours cannot be determined under (c), the later of half the coursework and half the weeks governs. Excused clock-hour absences require written policy and the least of the applicable accreditor, State, and 10% limits. S004 §668.4(b)(2), (c), (e), (h)(2); M036–M037.
C019 For §668.4(c) programs, same-program reentry within 180 days keeps the same payment period, subject to stated agency/lender conditions. Reentry after 180 days or transfer generally creates new periods from remaining hours/weeks. Same-institution transfer may retain the period only with continuous enrollment, substantially similar coursework, substantially equal hours/weeks, little or no charge change, and acceptance of credits. S004 §668.4(f)–(g), all nested conditions.
C020 R2T4 uses a payment period for standard-term programs. Nonterm and nonstandard-term programs may use payment period or enrollment period, but must use the selected basis consistently within each specified category—students attending from the beginning, reentering students, and transferring students—in the same program. S002 §668.22(e)(5)(i)–(ii), (l)(2).
C021 For unequal nonstandard terms where payment-period treatment is chosen, aid under both §668.4(b)(1) and (b)(2) requires use of the period ending later, including attributable aid from overlapping periods. If aid uses only one definition, that definition controls. S002 §668.22(e)(5)(iii).

B. Failure to begin attendance

Claim ID Supported proposition and qualifications Exact authority and scope
C022 If the student does not begin attendance in the relevant payment/enrollment period, the institution must return all listed Perkins/grant funds credited to the institutional account or disbursed directly to the student for that period. The rule does not use the withdrawal earned-percentage calculation. S002 §668.21(a)(1). ecfr.gov
C023 For FFEL/Direct funds, the institution must return all loan funds credited to the institutional account and payments made directly by or on behalf of the student to the institution for the period, up to the total loan funds disbursed. These are different payment categories; the text does not establish an actual balance. S002 §668.21(a)(2)(i)(A)–(B).
C024 For remaining FFEL/Direct amounts disbursed directly to the student, the institution ordinarily is not responsible for returning those amounts, but must immediately notify the lender or Secretary upon awareness that attendance will not or did not begin, so the referenced final-demand process can occur. The section expressly includes specified study-abroad/foreign-school disbursements, but the current §682.207 subclauses could not be retrieved. S002 §668.21(a)(2)(ii); S009/S011 for demand rules. Foreign-disbursement mechanics remain partial.
C025 The preceding institutional nonresponsibility does not apply where the institution knew before making the direct FFEL/Direct disbursement that attendance would not begin: it must return those funds. S002 §668.21(a)(2)(iii). Knowledge and sequence are absent.
C026 For §668.21, inability of the institution to document attendance at any class during the relevant period results in the Secretary treating attendance as not begun. This is not a rule that missing one class establishes nonattendance, nor proof that any attendance establishes all underlying aid eligibility. S002 §668.21(c).
C027 Institutional returns under §668.21 must occur as soon as possible and no later than 30 days after institutional awareness. Deposit/transfer, EFT initiation, FFEL adjustment transaction, and check routes have distinct specified acts. A check fails the rule if issued after day 30 or endorsed by the Secretary/lender’s bank after day 45. S002 §668.21(b), (d); S006 §668.163(a)–(b) for the referenced institutional account.
C028 The incorporated FFEL route requires lender learning and substantiation of the specified ineligibility circumstances. Its nonattendance branch includes withdrawal/expulsion before classes or failure to attend and unpaid/unreturned proceeds. The demand concerns the ineligible principal plus specified accrued interest; the 30-day mailing-triggered response/payment rule and conditional consequences are not proof of actual default. S011 §682.412(a)–(e), §682.411(f). Broad collection/default-claim procedures remain held.
C029 The Direct Loan cross-reference requires a Secretary determination under §685.211(e), with its own enumerated ineligibility predicates. The demand is for ineligible principal and accrued interest within 30 days after mailing; failure has the specified default consequence. No inference of false information, fraud, ineligibility, mailing, or noncompliance is permissible from this generic framework. S009 §685.211(e)(1)–(4).

C. Withdrawal classification, dates, leave, and modules

Claim ID Supported proposition and qualifications Exact authority and scope
C030 Subject to all exceptions, credit-hour withdrawal includes failure to complete all scheduled days; clock-hour withdrawal includes failure to complete all scheduled clock hours and weeks of instructional time. Attendance must first have begun for §668.22(a)(1). S002 §668.22(a)(1), (a)(2)(i)(A)–(B).
C031 Standard/nonstandard-term programs other than subscription programs have a withdrawal condition when no further course is scheduled for more than 45 calendar days after the end of the ceased-attendance module. Nonterm/subscription programs use inability to resume for more than 60 calendar days after cessation. Approved LOA is an express exception. S002 §668.22(a)(2)(i)(C)–(D).
C032 Completing all program graduation requirements before completing scheduled days/hours is an express nonwithdrawal category. Mere completion of some coursework is not that category. S002 §668.22(a)(2)(ii)(A)(1).
C033 In a modular program, successful completion of one module or combined modules containing at least 49% of payment-period days—excluding scheduled breaks of at least five consecutive days and all days between modules—or successful completion of at least the institution’s applicable half-time coursework provides a nonwithdrawal route. S002 §668.22(a)(2)(ii)(A)(2); S004 §668.2.
C034 The handbook’s 49% test uses the applicable payment-period/program calendar, not the separate individualized R2T4 denominator. It excludes all between-module days, counts overlapping days once, addresses intersessions and home-institution consortium calendars, and does not permit rounding a result below 49% up to eligibility. S016 Ch.1, complete selected module-exemption discussion. G; actual calendar/classification absent.
C035 Written confirmation must be obtained at the time the student otherwise would be a withdrawal. Modular return must be in the same payment/enrollment period; the standard/nonstandard non-subscription route also requires the later module to begin within 45 calendar days after the prior module ends. Subscription confirmation requires same-period return within 60 calendar days; nonterm confirmation uses the stated 60-calendar-day limit. S002 §668.22(a)(2)(ii)(A)(3)–(5).
C036 A confirmed return date may be changed in writing before the previously confirmed date, subject to the same-period and 45/60-day conditions. Failure to return as scheduled makes the student a withdrawal, with withdrawal date and denominator determined as if the confirmation had not been given. S002 §668.22(a)(2)(ii)(B)–(C).
C037 Same-program modular reentry before the period ends can restore eligibility for prior eligible assistance, including returned funds, only subject to Secretary conditions and enrollment status supporting the full amount. Clock/nonterm same-program reentry within 180 calendar days invokes the same-period rule and its conditions. S002 §668.22(a)(2)(iii); S004 §668.4(f).
C038 The full-refund exemption requires all of: records treating the student as never having attended that period; return of all disbursed Title IV grant/loan assistance including student/parent credit balances; refund of all institutional charges for the period; and cancellation/write-off of the period balance owed because of the institution’s return of aid to ED. S002 §668.22(a)(2)(ii)(A)(6)(i)–(iv). ecfr.gov
C039 ED describes this exemption as optional, usable under institutional policy, and distinct from actual §668.21 nonattendance. Initial aid eligibility and attendance documentation must be retained. Continued attendance in non-Title-IV courses prevents the required never-attended treatment. The exemption is not a general cancellation of every obligation. S014 full-refund discussion; S015 complete exemption explanation.
C040 An institution is required to take attendance for this purpose if an outside entity requires it, the institution requires instructors to do it, or an institution/outside requirement can be met only through attendance-taking or a comparable process. S002 §668.22(b)(3)(i).
C041 A requirement for only some students applies to those students. A requirement for a limited period applies during that period; a student present at the last required attendance-taking who later ceases attendance is treated under the nonrequired category. A requirement on only one census-reporting day does not by itself make the institution attendance-required. S002 §668.22(b)(3)(ii)–(iv).
C042 For attendance-required students, the withdrawal date is the last academic-attendance date from institutional records, including failed/unapproved LOA cases. The institution must document that date within 14 days of last attendance and maintain the documentation as of determination. ED explains that this is a documentation requirement, not automatic administrative withdrawal after an absence. S002 §668.22(b)(1)–(2); S014 attendance-documentation discussion; S015.
C043 At a nonrequired institution, official withdrawal uses the date the prescribed process began or official oral/written notification occurred. If both occur, the earlier date applies unless a later academically related activity date is properly used. S002 §668.22(c)(1)(i)–(ii), (c)(2)(ii), (c)(3).
C044 Without official notification, the regulatory starting rule is the period midpoint. If illness, accident, grievous loss, or another circumstance beyond the student’s control prevented the process/notice, including notice by someone acting for the student, the institution may determine a date related to that circumstance. No circumstance is established here. S002 §668.22(c)(1)(iii)–(iv); S001 §1091b(c).
C045 An institution may permit rescission of official withdrawal through a written statement of continued academic participation and intent to complete. Later cessation negates that rescission and restores the original date unless a later activity date is properly established. S002 §668.22(c)(2)(i).
C046 A nonrequired institution may use documented last attendance at an academically related activity notwithstanding its general date rules. Both the academic nature of the activity and attendance must be documented. The statute’s unofficial-withdrawal clause expressly describes midpoint or a later documented date; the regulation’s (c)(3) wording is broader. No judicial reconciliation is supplied. S002 §668.22(c)(3); S001 §1091b(c)(1)(A)(iii).
C047 Official notification must reach an institution-designated office; the institution must designate one or more readily contactable offices. The date and basis must be documented and retained as of determination. This establishes no actual notice or delivery. S002 §668.22(c)(4)–(5).
C048 For nonrequired institutions, determination date is: official withdrawal—later of withdrawal date or notification; unofficial—awareness of cessation; failed approved LOA—earlier of leave end or notice of nonreturn; negated rescission—awareness the period was/will not be completed; unapproved LOA—leave start. These are not a universal definition for every attendance-required situation. S002 §668.22(l)(3)(i)–(v).
C049 A nonrequired institution must determine the withdrawal date for an unnotified withdrawal no later than 30 days after the earliest ending of the applicable payment/enrollment period, academic year, or educational program. This is distinct from the return deadline. S002 §668.22(j)(2).
C050 An approved LOA requires a formal written/publicized policy; student compliance; reasonable expectation of return; approval under the policy; no additional institutional charges; the duration limit; the applicable coursework-return rule; and preapproval explanation to loan recipients of failure-to-return effects, including possible grace-period exhaustion. S002 §668.22(d)(1), (d)(3)(iii); S001 §1091b(a)(2).
C051 Total approved LOA days must not exceed 180 in any 12-month period. The first day of the initial leave begins the counting and the 12-month period. A signed, dated, reason-stating request generally precedes leave; unforeseen circumstances permit later collection if the institution documents its decision. S002 §668.22(d)(1)(vi), (d)(3); M012.
C052 The coursework-resumption condition has express exceptions for clock-hour, nonterm-credit, subscription, and eligible prison education programs. The prison-program addition changes that condition only; the remaining LOA requirements still apply. Qualification as an eligible prison program is independently conditioned and not established. S002 §668.22(d)(1)(vii); S014 prison-program discussion; S031.
C053 Failure to resume attendance at or before approved-leave end requires withdrawal treatment. For nonrequired institutions, failed or unapproved leave generally uses leave start as the withdrawal date; attendance-required institutions use their last-attendance records. S002 §668.22(d)(2), (b)(1), (c)(1)(v)–(vi).

D. Earned aid, bases, charges, responsibility, and protection

Claim ID Supported proposition and qualifications Exact authority and scope
C054 Earned assistance is the earned percentage applied to qualifying assistance disbursed and that could have been disbursed for the selected period, measured as of the withdrawal date. This base is not simply cash in the student’s possession. S001 §1091b(a)(3)(A); S002 §668.22(e)(1).
C055 Credit-hour completion uses calendar days completed in the selected period divided by total included calendar days in that period, as of the withdrawal date, with the regulatory exclusions. It does not use credits passed as its R2T4 fraction. S002 §668.22(f)(1)(i), (f)(2).
C056 Clock-hour completion uses hours scheduled since the student began attendance in that payment/enrollment period, through withdrawal, divided by total clock hours in that period. The schedule must predate the beginning class date, match published program materials unless modified before withdrawal, and meet applicable accreditor/State standards. It is not an actual-hours-attended fraction. S002 §668.22(f)(1)(ii)(A)–(C); S014 clock-hour amendment.
C057 Scheduled breaks of at least five consecutive days are excluded from both completed and total calendar days. The total excludes approved-LOA days and qualifying modular breaks when no module/other course is scheduled. Under current (l)(9), module days become scheduled only when attendance in that module begins. The 49% exemption uses its separately stated exclusions. S002 §668.22(f)(2), (l)(9), contrasted with (a)(2)(ii)(A)(2).
C058 At or before the 60% point, the earned percentage is the completed fraction. After 60%, it is 100%. Equality at 60% does not satisfy “after.” The unearned percentage is the complement of the earned percentage. S001 §1091b(a)(3)(B)–(C); S002 §668.22(e)(2)–(3).
C059 Handbook rounding uses dollars/cents to the nearest penny; final return/PWD amounts may be rounded to the nearest dollar, but no upward disbursement rounding may exceed annual/aggregate/lifetime limits. Fractions are calculated to four decimal places and rounded to three, with fourth digit at least five rounding upward; the specific greater-than-60% exception prevents a fraction just over 60% from being rounded down to 60%. S016 Ch.1, “Rounding.” G; no calculation performed. 2026-2027 Federal Student Aid Handbook
C060 The handbook uses net loan amounts for disbursed and potentially disbursable aid. Aid disbursed by determination is generally included, but inadvertent disbursement after cessation and before determination is classified as potentially disbursable. Undisbursed grants may not simply replace loans already disbursed. S016 Ch.2 Part1, Step 1. Underlying disbursement definition and deemed dates: S006 §668.164(a).
C061 §668.164(j)(2) requires the processed official aid record and program-specific origination/award before the student becomes ineligible. The handbook additionally explains the signed-note condition by calculation time, the effect of declining/failing an institutional affirmative-confirmation process, period limits, and Pell lifetime/Direct Loan aggregate limits. The regulation still says EFC; the current handbook says SAI. S006 §668.164(j)(1)–(2); S016 Step 1 and funds-limit headings; discrepancy C107.
C062 Counting aid as potentially disbursable does not establish that it may be paid after withdrawal. §668.164(j)(4) prohibits late disbursement after the outer 180-day limit; prohibits a second/subsequent Direct disbursement absent successful completion of its loan period; imposes the first-year/first-time limitation unless an exemption applies; and requires a valid SAR/ISIR by the separately published deadline. S006 §668.164(j)(4), complete. Annual deadline notice not selected because no award year/application is supplied.
C063 The first-year/first-time Direct Loan restriction concerns the defined prior-loan history and the first 30 days of the program. Its institutional exceptions depend on the exact cohort-rate categories, fiscal-year sets, strict percentages, loan-disbursement date, study-abroad role, and later Secretary notification stated in §685.303(b)(5). None is inferred from a school label or asserted rate. S010 §685.303(b)(5)(i)–(iii); M026. Full cohort-rate calculation rules held.
C064 Under §668.22, compare earned assistance with assistance disbursed as of determination: excess disbursed assistance is the return amount; excess earned assistance enters the PWD route. Where earned is less than disbursed, no additional disbursement for that period is permitted. Equality creates neither difference under those clauses. S002 §668.22(a)(4)–(5), (e)(4).
C065 The statutory “amount not earned” clause applies the unearned percentage to disbursed plus potentially disbursable aid as of withdrawal. Regulatory (e)(4) defines the amount to be returned as aid disbursed as of determination minus earned aid. These are not interchangeable expressions. Statutory (a)(4)(B) also addresses received assistance exceeding earned assistance. No silent algebraic harmonization or validity conclusion is made. S001 §1091b(a)(3)(C), (a)(4)(B); S002 §668.22(e)(4).
C066 The institution’s regulatory return is the lesser of the total unearned amount to be returned and institutional charges for the selected period multiplied by the unearned percentage. Student grant protection does not reduce this institutional formula. S002 §668.22(g)(1); compare S001 §1091b(b)(1).
C067 Institutional charges include tuition, fees, institution-contracted room/board, and other assessed educationally related expenses. For a nonterm program calculated by payment period but charged over a longer period, the charge base is the greater of prorated longer-period charges or Title IV assistance retained for institutional charges as of withdrawal. S002 §668.22(g)(2)–(3); S006 §668.164(c)(5).
C068 The handbook generally uses charges initially assessed, adjusted for legitimate changes before withdrawal, not subsequent refund-driven reductions. Other aid paying charges does not by itself reduce the charge base. Ledger placement alone does not decide whether a charge is institutional. These ordinary-calculation statements must be read subject to the separate full-refund exemption. S016 Ch.1, institutional-charge headings; S002 §668.22(a)(2)(ii)(A)(6).
C069 Official charge guidance addresses required materials with no real/reasonable unaffiliated purchase option; requires documentation for claimed alternatives; and provides a conditional documented-cost exclusion for nonreturnable equipment or equipment not returned in good condition within 20 days. A reasonable, consistent, fair policy disclosed at enrollment is necessary; declaring all used items nonreturnable is not sufficient. Application fees, specified continuing insurance, discretionary charges, and refundable damage deposits receive distinct treatment. S016 Ch.1, complete institutional/noninstitutional, equipment-return, and alternative-purchase headings. G; no actual policy inspected.
C070 Crediting a PWD is constrained by §668.164(c), not merely by an account balance. Current-period tuition/fees/institutional room-board and properly authorized educational goods/services are distinguished. Book/supply inclusion has alternative conditions; prior-year charges are capped at $200 with “current year” determined by loan/award-year rules. Prior current-year unpaid allowable charges require eligibility in that period. S006 §668.164(c)(1)–(5), §668.165(b); M029.
C071 The student-side amount is the total unearned amount to return minus the institution’s required return. This is a program allocation, not proof of a school’s enforceable receivable. S002 §668.22(h)(1)–(2); S001 §1091b(b)(2)(A).
C072 Loan amounts allocated to the student—or parent for parent PLUS—are repaid according to loan terms. Grants are treated as overpayments subject to the selected protection and repayment provisions. A grant and a loan do not acquire identical immediate payment treatment. S002 §668.22(h)(3); S001 §1091b(b)(2)(B).
C073 Regulatory grant protection excludes the portion at or below 50% of total grants disbursed plus potentially disbursable for the period. After applying it, an overpayment of $50 or less for a grant program, which is not a remaining balance, is not required to be returned. This is not a $50 write-off of a larger balance reduced through payments. S002 §668.22(h)(3)(ii)(A)–(B); S023 explanation.
C074 The statute states 50% of total grant assistance received and a minimum exception for amounts of $50 or less. The regulation adds “could have been disbursed,” program-specific wording, and the nonremaining-balance qualification. These textual differences are preserved. S001 §1091b(b)(2)(C); S002 §668.22(h)(3)(ii); S020 §8022.
C075 The institution must send a withdrawal-related grant-overpayment notice within 30 days of determination. The student-side eligibility-preserving window uses the earlier of 45 days after notice is sent or 45 days after it was required to be sent, with repayment or the specified agreement during that window. This is a sending-based rule, not a receipt presumption. S002 §668.22(h)(4)(i)–(ii).
C076 An institution choosing a repayment agreement must permit repayment while maintaining eligibility and require full repayment within two years of determination. Referral is required for failure to act within the window, breach of the institutional agreement, or election of a Secretary agreement. The specified loss/regaining of eligibility is conditional; it is not an actual award determination. S002 §668.22(h)(4)(iii)–(vi), complete.
C077 Disaster waiver is discretionary with the Secretary and requires the specified residence/employment/institution location, a presidential major-disaster declaration, disaster-caused interruption, and temporal condition. The statute says withdrawal “ended” within the academic year or next; the regulation says withdrawal “occurred” within the award year or next. The 2006 preamble explains its award-year choice; it does not erase the textual difference. The waiver concerns student grant returns, not institutional returns. S001 §1091b(b)(2)(D)–(E); S002 §668.22(h)(5); S013; S018–S019; S023–S024.
C078 Current regulatory returns are credited to outstanding balances for the relevant period in this order: unsubsidized Direct Stafford; subsidized Direct Stafford; Direct PLUS received on behalf of the student; then Pell; Iraq and Afghanistan Service Grant; FSEOG; TEACH. Remaining-grant ordering follows repayment of the specified outstanding loan amounts. S002 §668.22(i)(1)–(2).
C079 Statutory ordering separately lists §1078-8 loans, §1078 loans, unsubsidized nonparent Direct loans, subsidized Direct loans, Part E loans, §1078-2 loans, and parent Direct loans; then Part A subparts 1 and 3 and other covered assistance. That statutory list is retained separately from the narrower current regulation; it does not prove current origination availability for every listed program. S001 §1091b(b)(3), complete.
C080 The institution’s withdrawal return must be made as soon as possible and no later than 45 days after determination. §668.173(b) specifies the qualifying deposit/transfer/EFT/adjustment/check acts; a check fails if issued after day 45 or bank-endorsed after day 60. This is distinct from §668.21’s 30/45 framework. S001 §1091b(b)(1); S002 §668.22(j)(1); S007 §668.173(b).

E. Post-withdrawal disbursement and downstream boundaries

Claim ID Supported proposition and qualifications Exact authority and scope
C081 PWDs use available grant funds before loan funds. Grant PWDs may be credited up to outstanding allowable charges; loan PWD credits require borrower confirmation in addition to allowable-charge rules. S002 §668.22(a)(6)(i), (ii)(A); S006 §668.164(c).
C082 Grant PWD amounts not credited to the account must be disbursed directly as soon as possible and no later than 45 days after determination. This is different from the loan-confirmation process. S002 §668.22(a)(6)(ii)(B)(1).
C083 Within 30 days of determination, the institution must provide written loan-PWD notification to the student or parent PLUS borrower identifying type/amount, requesting confirmation for credit/direct payment, explaining partial acceptance/declination, possible institutional concurrence for redirecting declined account credits, repayment obligation, and response consequence. S002 §668.22(a)(6)(iii)(A)(1)–(5), complete; S001 §1091b(a)(4)(A).
C084 The loan-PWD response period is 14 days from sending, or a later institutional deadline. The same deadline applies to account-credit and direct-payment confirmation. This is not an automatic right to receive declined account-credit funds directly. S002 §668.22(a)(6)(iii)(A)(3), (A)(5), (B).
C085 A timely confirmation requires disbursement in the specified manner as soon as possible, no later than 180 days after determination, subject to the other late-disbursement prohibitions and valid underlying eligibility. S002 §668.22(a)(6)(iii)(C); S006 §668.164(j)(4).
C086 A late response may be honored only on the stated basis, including disbursing all accepted funds, or declined. A late-response denial must be communicated in writing. No response permits no loan PWD. Notification results and final decision must be documented. S002 §668.22(a)(6)(iii)(D)–(F), (iv).
C087 Late disbursement is broader than withdrawal: §668.164(j)(3) separately addresses completed periods and students who cease half-time enrollment without withdrawing. Those categories cannot be relabeled as PWDs. For clock/nonterm programs, Pell/TEACH later-period payment also requires completion of the preceding paid period and other program prerequisites. S006 §668.164(j)(3); S034 §690.75(a), §686.31(a).
C088 Written authorizations under §668.165(b) must be voluntary, explain the activity/time period, and permit cancellation/modification. The ordinary §668.165(a) notification/cancellation framework expressly distinguishes §668.22 PWDs; its ordinary periods must not be substituted for the PWD periods. Authorization to retain credit balances has its own limits. S006 §668.165(a)–(b), complete selected body.
C089 Required consumer information separately identifies the institution’s refund policy, official withdrawal procedure, and a summary of R2T4 requirements. The federal disclosure obligation is not evidence of any particular policy’s terms or compliance. S002 §668.22(k); S008 §668.43(a)(2)–(4).
C090 For Direct Loans, the Secretary applies an institutional refund/return received under §668.22 against outstanding principal and notifies the borrower. This is a crediting rule; it does not establish discharge of the entire loan or the amount of any remaining obligation. S009 §685.211(c), complete.
C091 Ordinary Title IV return, institutional tuition refund, and a possible institutional receivable are separate legal questions. The full-refund exemption is an express narrow exception requiring cancellation of the specified return-created institutional balance. Neither ordinary return nor the exemption resolves unrelated contracts, charges, debts, or private enforcement. S002 §§668.21, 668.22(g)–(h), (a)(2)(ii)(A)(6); S008; S016 introductory distinctions.
C092 The selected bodies do not determine private-loan liability, general discharge/cancellation, bankruptcy, credit reporting, collection status, dependency/PLUS underwriting, cosigner obligations, State protections, or an individual refund/payment strategy. These are outside this component, not presumed unavailable. Scope conclusion from complete S001–S002 and the bounded cross-references; exact next inquiries appear below.

F. Adoption, conflicts, and currentness findings

Claim ID Supported proposition and qualifications Exact authority and scope
C093 PL 105-244 §485 rewrote HEA §484B with a specific implementation provision two years after enactment and optional earlier compliance. The 1999 rule separately states July 1, 2000 effectiveness, October 7, 2000 mandatory implementation, and permitted November 1, 1999 early implementation of the entire package for all subsequent withdrawals without reversion. S017 §485(e), §3; S021 Dates/Implementation. Historical, not present deadlines.
C094 The two September 21, 2005 Acts added the separate Pell and other-grant student-return disaster waivers using the statutory academic-year/“ended” language. S018–S019, complete enacted bodies.
C095 PL 109-171 §8022 introduced the relevant scheduled-clock-hour, multiple-LOA, loan-confirmation, 45-day institutional return, and 50%/$50 grant-protection amendments; §8001(c) supplies July 1, 2006 effectiveness absent another provision. S020, complete selected clauses.
C096 The 2002 rule amended selected LOA and related provisions, with July 1, 2003 effectiveness and permitted November 1, 2002 early implementation. Current LOA treatment comes from the current text and later amendments, not this historical version alone. S022 instruction 11 and Dates.
C097 The 2006 interim/final instruments implemented the selected statutory changes. The final instrument changed disaster wording from “ended” to “occurred” while retaining award-year treatment. The preamble explains award-year treatment because relevant grants are awarded by award year. S023 instruction 13/preamble; S024 instruction 4.
C098 The 2007 rule supplies the complete nonattendance return structure and the material loan-PWD confirmation/timing revision read here; it became effective July 1, 2008 with permitted earlier implementation. S025 instructions 5 and selected complete PWD amendment.
C099 The 2008 selected amendments added TEACH treatment to §§668.21–.22; their July 1, 2008 effective date does not establish the full current TEACH service/repayment regime. S026 instructions 8–9 and Dates.
C100 The 2010 rule materially revised attendance requirements and withdrawal organization and renumbered relevant paragraphs. Its selected provisions became effective July 1, 2011. S027 instruction 18 and Dates.
C101 The actual 2015 amendatory body places late-disbursement rules in §668.164(j), effective July 1, 2016. Current (i) instead concerns early disbursements. S028 selected complete (j); S006 current (i)–(j).
C102 The 2020 rule added/revised the modular and subscription withdrawal routes and definitions, with July 1, 2021 effectiveness and September 2, 2020 permitted early implementation. Its former module-scheduling rule was later replaced by the 2025 amendment. S029 instruction 20; S014 instruction 12.
C103 The 2025 final rule adopted the full-refund exemption, attendance-documentation, prison-program LOA, clock-hour, and module changes. It did not finalize the proposed ordinary-note treatment for never-attending loan recipients or the proposed general distance-education attendance mandate. A proposal is not current operative text. S014 complete relevant preamble sections and instruction 12.
C104 Current §668.22(a)(5) points to §668.164(i). Actual 2020 instruction 20(g) made that change, while instructions 20(i)–(j) changed §668.22(l)(1)/(4) to §668.164(j). The mismatch is authenticated, not repaired by assumption. The independently read current (j) supplies the expressly labeled late-disbursement rules. S002 (a)(5), (l)(1)/(4); S029 instruction 20(g), (i)–(j); S006.
C105 Other numbering issues remain: §668.164(j)(3)(i) references §668.22(a)(4)/(5), while current PWD treatment is in (a)(5)/(6); §668.22(a)(6)(iii)(A)(5) points to (C) for a late response, while (D) contains the late-response choice. Each operative adjacent clause was read; no claimed official correction was found/read. S006 §668.164(j)(3)(i); S002 §668.22(a)(6)(iii)(A)(5), (C)–(D).
C106 §668.4(d) invokes §682.604(c)(10) and §685.301(b)(8). Those paragraphs are not present in the current target bodies inspected. Application of that payment-period exception therefore remains unresolved; no replacement provision is silently substituted. S004 §668.4(d); S010 §685.301(b); S011 §682.604.
C107 Current regulation says official EFC; the 2026–2027 handbook uses official SAI. PL 117-103 §102’s actual text authenticates the delayed implementation dates and limited early treatment, but the original PL 116-260 body failed retrieval. The complete substantive replacement/application chain is therefore partial. S006 §668.164(j)(2)(i); S016 Step1; S032; S033 failure.
C108 The encountered 2026 future rule generally takes effect July 1, 2027, with separate August 31, 2026 instructions. Its inspected definition-change list and §668.43(d) instruction do not replace the selected current full-time/half-time definitions or §668.43(a)(2)–(4). The broader rule was not investigated. S030 Dates, instructions 5 and 8.
C109 Source failures and differing compilation dates limit certification. No failure proves repeal, absence of law, defective credentials, or an operational/model limit. No exhaustive review of uncodified special relief, later amendments, judicial treatment, or actual implementation is claimed. Source/failure registers; S001–S034 read bounds.
C110 “Eligible prison education program” has cumulative program/institution, oversight approval, credit-transfer, adverse-action, licensing/employment, and exception predicates in §668.236. The LOA carveout does not establish those predicates or dispense with the rest of the LOA rule. S031 complete (a)–(c); S002 §668.22(d)(1)(vii). Incorporated qualification regimes held.
C111 The master-calendar statute generally postpones regulatory changes not final by November 1 before the relevant award year until the prescribed later award year; it permits the Secretary to designate earlier implementation through a Federal Register notice with conditions/timing. An institution’s election has effect under those designated terms. S012 §1089(c)(1)–(2), complete.
C112 FSA’s 2026 announcement instructs calculation within 30 days after withdrawal determination and return within 45 days; the general calculation statement is agency instruction. Current §668.22’s express 30-day provisions have their own particular subjects, including unofficial determination, loan-PWD notice, and grant-overpayment notice. The 14-day attendance provision concerns documentation. S015; S002 §668.22(b)(2), (a)(6)(iii), (h)(4)(ii), (j).

3. Provision-specific comparison

ID Comparison Supported distinction and cumulative conditions Claim/source links; coverage
D01 Nonattendance versus withdrawal §668.21 concerns no beginning attendance in the relevant period and has program-specific return rules. §668.22 requires beginning attendance and then a legally defined withdrawal, unless an exception applies. C005–C007, C022–C030; S001–S002. Answered; application held.
D02 Actual nonattendance versus optional full-refund exemption The exemption can address a student who began attendance, but only with all four statutory-regulatory conditions and the institution’s optional use. Retaining evidence of initial eligibility/attendance is compatible with the special record treatment. C026, C038–C039; S002/S014/S015.
D03 Withdrawal date versus determination date The former drives earned-aid timing; the latter starts several institutional return/PWD/notice clocks. The nonrequired-institution definition lists different determination events by category. C042–C049, C054, C080–C086; S002.
D04 Attendance-required versus nonrequired Required status can come from outside or institutional requirements and may be limited by students/time. Required institutions use attendance records; nonrequired institutions have official, midpoint, circumstances, and documented-activity rules. C040–C048; S002.
D05 Payment period versus enrollment period Standard-term R2T4 is payment-period based. Nonterm/nonstandard programs have a consistent-category choice. Underlying payment-period definitions and unequal-term overlapping aid can change the relevant base. C017–C021; S002/S004. Partial as to stale §668.4(d).
D06 Credit hours versus clock hours Credit-hour R2T4 uses included calendar days. Clock-hour R2T4 uses scheduled hours since actual beginning in that selected period. Successful completion of hours/weeks for payment-period progression is a separate test. C015, C018, C055–C057; S002–S004.
D07 Modular 49% exemption versus 60% earned-aid boundary The former is a successful-completion nonwithdrawal test with its own denominator/exclusions. The latter determines earned percentage after withdrawal is established. Equality and rounding differ. C033–C034, C057–C059; S002/S016.
D08 Earned assistance versus payable PWD Potentially disbursable aid can increase the earned base without being legally payable after withdrawal. Origination, note, prior-period completion, timing, valid aid-record, and other eligibility conditions remain. C054, C060–C064, C081–C087; S006/S010/S016/S034.
D09 Institution versus student/parent Institutional return uses the lesser-of formula. Student responsibility is residual. Parent responsibility attaches to the specified parent-borrowed loan category, not to all student assistance. C066–C076; S001–S002.
D10 Grant versus loan Grants have overpayment protections and specified agreement/eligibility treatment. Allocated loan amounts follow loan terms. Loan PWD requires confirmation; direct grant PWD has a different duty/deadline. C072–C086; S001–S002.
D11 Return to program versus tuition refund or school debt Return is a federal aid allocation. Refund policy and private liability require separate authority/facts. The optional exemption expressly requires a defined refund and write-off; ordinary returns do not. C038, C067–C070, C089–C091; S002/S008/S016.
D12 Mandatory effective date versus optional early implementation July 1, 2026 applicability and the two designated February 3, 2025 early provisions must be distinguished from earlier historical implementation regimes. No actual institutional election is established. C002–C003, C093–C103, C111; S012/S014/S015/S017–S029.
D13 Statute versus regulation Both are read directly. Differences in unearned bases, grant-protection wording, disaster periods, program lists, and unofficial-date wording are retained. No judicial reconciliation is inferred. C046, C065, C074, C077–C079. Partial/unresolved reconciliation.
D14 Regulation versus manual Net-loan entry, rounding, charge interpretation, and operational instructions are labeled guidance. The manual’s SAI terminology does not silently amend the retrieved EFC text. C004, C059–C061, C068–C070, C107, C112.
D15 Notice sent versus notice received versus payment PWD response and grant-overpayment windows use specified sending events; final demands use mailing; return methods use specified institutional/bank acts. None supplies an actual receipt or due date. C027–C029, C075, C080, C083–C086; S002/S007/S009/S011.
D16 Program return versus collection/relief A principal credit, note-based repayment rule, or conditional demand consequence does not establish collection status, discharge, a receivable, credit damage, or an appropriate financial action. C028–C029, C072, C090–C092.

4. Complete measurement register for quantities relied on

Application facts are absent for every row. No row is a calculation. “Days” means the unit actually stated in the cited provision; where the text does not establish a general business/calendar-day convention, holiday extension, receipt presumption, or endpoint rule, this register does not add one. Express calendar-day rules and the particular preamble explanation are identified.

A. Return, withdrawal, earned-aid, and notice measurements

ID Quantity, unit, actor/base, and boundary Trigger, cumulative conditions, exceptions, convention Authority / claims
M001 All listed nonattendance grant/Perkins funds; FFEL/Direct credited funds plus qualifying payments up to total loan disbursed Relevant payment/enrollment period; separate direct-to-student and prior-knowledge branches. No arbitrary dollar input. §668.21(a); S002; C022–C025
M002 Institutional nonattendance return ≤30 days; check endorsement ≤45 days Awareness attendance will not/did not begin; act ASAP. Check issuance and bank endorsement are separate conditions; no actual awareness date. §668.21(b),(d); C027
M003 Incorporated ineligible-loan demand 30 days after mailing; specified accrued-interest periods and subsequent quarterly adjustment Only after respective lender substantiation/Secretary determination. FFEL accounting includes specified prior interest/special-allowance treatment; not a universal borrower grace period. §§682.412(a)–(e), 685.211(e); S009/S011; C028–C029
M004 More than 45 calendar days creates specified gap condition; confirmed later module ≤45 calendar days Standard/nonstandard, nonsubscription; measured after end of ceased-attendance module; same-period conditions and approved-LOA exception. §668.22(a)(2)(i)(C),(ii)(A)(3),(B); C031/C035/C036
M005 More than 60 calendar days / confirmed return ≤60 calendar days Nonterm/subscription; measured after cessation; subscription same-period requirement; written-confirmation/change conditions; approved LOA exception. §668.22(a)(2)(i)(D),(ii)(A)(4)–(5),(B); C031/C035/C036
M006 Successful module completion ≥49% Numerator: successfully completed qualifying module days; denominator: prescribed payment-period days, excluding breaks ≥5 consecutive days and all between-module days. No rounding upward to reach 49%. §668.22(a)(2)(ii)(A)(2); S016; C033–C034
M007 Successful coursework ≥ applicable half-time workload Alternative modular nonwithdrawal test; depends on institution’s lawful category-specific standard, not a universal credit count. Same clause (iii); §668.2; C014/C033
M008 Modular reentry before period end; clock/nonterm reentry within 180 calendar days Same program; Secretary conditions; term modular enrollment status must support full prior aid. “Before period end” is distinct from “within 180 days.” §668.22(a)(2)(iii); §668.4(f); C019/C037
M009 Reentry after 180 days; remaining portion ≤half academic year New payment periods generally required for delayed reentry/transfer; same-institution five-condition exception. Remaining hours/weeks set the base. §668.4(g); C019
M010 Attendance documentation within 14 days of last attendance Attendance-required category. Preamble explains calendar days, including weekends, holidays, and breaks; not automatic administrative withdrawal. §668.22(b)(2); S014 pp.485–487; C042
M011 Unofficial-withdrawal determination ≤30 days after earliest relevant ending Nonrequired institution; earliest end of applicable period, academic year, or educational program. §668.22(j)(2); C049
M012 Approved LOA total ≤180 days in any 12-month period Aggregate all approved leaves; first day of initial leave starts counting and period. Written-request exception only for documented unforeseen circumstances; other LOA conditions still required. §1091b(a)(2); §668.22(d); C050–C053
M013 Earned fraction through 60% inclusive; 100% only after 60% Correct credit-day or scheduled-clock-hour fraction; unearned percentage is complement. Equality is not “after.” §1091b(a)(3); §668.22(e)(2)–(3); C058
M014 Credit-hour fraction: included completed calendar days / total included calendar days Breaks ≥5 consecutive days excluded from numerator and denominator; approved LOA and specified modular breaks excluded as provided; only begun modules scheduled under current (l)(9). §668.22(f)(1)(i),(f)(2),(l)(9); C055/C057
M015 Clock-hour fraction: scheduled hours since attendance began in selected period / total period clock hours Schedule established before beginning class date; consistent published program; permitted prewithdrawal modifications; applicable State/accreditor standards. §668.22(f)(1)(ii); C056
M016 Full-refund exemption: all four conditions, including all disbursed aid/credit balances and all institutional charges Period-specific; cancellation limited to the specified balance arising from return to ED. Optional institutional use; no actual election. §668.22(a)(2)(ii)(A)(6); C038–C039
M017 Earned-aid monetary base: disbursed + qualifying potentially disbursable aid; handbook uses net loans Period-specific, with withdrawal/determination dates distinguished; no double count of disbursed/potential aid; actual fees/limits absent. §668.22(e)(1),(4); S016 Step1; C054/C060–C065
M018 Institution’s return: lesser of total return amount or charges × unearned percentage Charges are period-specific. Nonterm longer-charge base uses greater of prorated charges and aid retained for charges. Equal payment periods: total program charges / number of periods; otherwise period hours / program hours × total charges. §668.22(g); §668.164(c)(5); C066–C067
M019 Grant protection 50%; de minimis ≤$50 per grant program, after protection, not a remaining balance Regulation’s base is disbursed + could; statute says received. Applies to student grant responsibility, not institution’s return. §1091b(b)(2)(C); §668.22(h)(3); C073–C074
M020 Grant notice ≤30 days; action window earlier of 45 days after sent or required-sent date; institutional agreement ≤2 years from determination Conditional eligibility continuation, repayment/agreement, referral, and default provisions; no deemed-receipt rule supplied. §668.22(h)(4); C075–C076
M021 Institutional withdrawal return ≤45 days; check endorsement ≤60 days Determination trigger; ASAP; specified acts under §668.173(b). Check issuance after45 or endorsement after60 fails. §1091b(b)(1); §§668.22(j)(1),668.173(b); C080
M022 Direct grant PWD ≤45 days Determination trigger; grant portion not credited to allowable charges; ASAP. §668.22(a)(6)(ii)(B)(1); C082
M023 Written loan-PWD notice within30 days Determination trigger; all content/recipient/confirmation predicates; not a receipt-based period. §668.22(a)(6)(iii)(A); C083
M024 Loan-PWD response within14 days of sending or later set deadline; timely accepted disbursement ≤180 days after determination Same response deadline for credit/direct payment; late response discretionary; all accepted funds condition; no response means no loan PWD; independent late-disbursement bars. §668.22(a)(6)(iii); C084–C086
M025 Late-disbursement outer limit 180 days; first-year/first-time rule 30 days Withdrawal determination or, for nonwithdrawal, loss of eligibility; second/subsequent Direct disbursement requires completed loan period; valid aid-record deadline separately published. §668.164(j)(4); C062–C063
M026 Cohort exceptions: <10% for three most recent fiscal years; for loans first disbursed on/after October1,2011, <15% for three years; eligible home study-abroad route <5% for single most recent year Exact permitted cohort/rate types under §685.303(b)(5); exceptions cease for loans originated beginning 30 days after Secretary notification of disqualifying rate. Full rate calculation and actual data held. S010 §685.303(b)(5); C063
M027 Rounding: nearest penny; optional final nearest dollar; fraction calculated to 4 decimals, rounded to 3, fourth digit ≥5 rounds up No upward disbursement rounding beyond annual/aggregate/lifetime limits. Quotients just above60% may not be rounded down to60%. Separate no-round-up49% rule. S016 Ch.1 “Rounding”; C034/C059
M028 Equipment-return guidance 20 days from withdrawal Documented actual institutional cost; nonreturnable or not returned in good condition; reasonable, consistent, fair, disclosed policy; blanket “all used” rule insufficient. S016 Ch.1 “Returning Equipment”; C069
M029 Allowable prior-year charges ≤$200; book/supply access by seventh day under one inclusion route $200 applies across one or more current-year payment periods, not a new cap per period; current year depends on loan/award mix. Book route also needs below-market arrangement and opt-out, or separate unavailability/health-safety alternative. §668.164(c)(2)–(3); C070
M030 Credit-balance baseline 14 days after balance occurs if after class start, otherwise14days after first class day; retained-fund authorization cancellation has its own14-day payment rule Subject to the separately read lawful authorization/retention conditions in §668.165(b). These ordinary cash-management clocks are not substituted for PWD grant/loan clocks. S006 §§668.164(h),668.165(b); C088
M031 Undergraduate full-time minima: standard term 12 semester/quarter credits; nonterm 24 semester/36 quarter credits per academic year or prorated equivalent; clock 24 hours/week; course series 12 credits in ≤18 weeks Nonstandard-term minimum is term instructional weeks / academic-year instructional weeks × academic-year credits. Cooperative work must be equivalent. Correspondence full-time requires a commensurate load and at least half noncorrespondence coursework meeting half the institutional standard. Subscription uses its specified alternatives. §668.2 complete full-time definition; C014
M032 Half-time ≥half applicable minimum; sole correspondence ≥12 work hours/week or ≥6 credits/term, never above half-time; passed-course repeat ≤one in stated term category; subscription status change ≤once/academic year, less-than-half term ≥one credit All category-specific conditions in §668.2 apply. Subscription cumulative calculation excludes current and most recently attended terms. S004 §668.2; C013–C014
M033 Credit-hour definition generally 1 hour instruction + ≥2 outside hours weekly, approximately 15 weeks semester/trimester or 10–12 weeks quarter, or equivalent; clock-hour categories use 50–60 minutes in60, with specified60-minute correspondence work and distance-monitoring conditions Institution/accreditor/State framework, equivalent lab/internship work, alternate delivery/calendar, and complete clock-hour category requirements; not actual instructional records. S003 §600.2; C015
M034 Required conversion minima 30 clock hours per semester/trimester credit;20 per quarter credit §668.8(k) exceptions include qualifying degree programs at least two academic years or fully creditable courses with the specified qualifying graduate in current/two prior award years. Full program eligibility and the paragraph’s additional cross-reference are held. S004 §668.8(k)–(l); C015
M035 Academic year: ≥30 instructional weeks credit / ≥26 clock; undergraduate expected ≥24 semester/trimester credits,36 quarter credits, or900 clock hours; week 7 consecutive days Instructional week has specified instruction/exam/study or asynchronous-support/engagement conditions; breaks/orientation/counseling excluded. Secretary may approve 26–29 weeks for stated two-/four-year degree institutions on written good cause and accreditor/State approval; expires with participation agreement unless extended. Award year is July1–June30. S003/S004 §668.3; C016
M036 Payment-period division at half hours AND half weeks; remaining portion >half but <full academic year split; ≤half remainder generally one period Applies only to specified §668.4(b)(2)/(c) categories; first/second period and successful-coursework tests; if hours-completion cannot be determined, later of half coursework/half weeks. S004 §668.4; C017–C019
M037 Excused clock absences ≤least of accreditor limit, State limit,10% of payment-period clock hours Written institutional policy; hours need not be made up; multiple-accreditor designation cross-reference remains an application prerequisite. §668.4(e); C018
M038 Substantially equal terms: difference ≤2 instructional weeks; standard-calendar classification includes ≥30 weeks, two semesters/trimesters or three quarters, with separate shorter-calendar route Full §690.63(a)(1)–(2) nonoverlap/cohort conditions apply; not a universal academic-calendar classification. §§668.22(l)(5),(8),668.4(h); S005; C012/C017
M039 Disaster temporal window: designation academic year or next academic year in statute; designation award year or next award year in regulation Formal declaration, location/relationship, causation, and discretionary waiver required. “Ended”/“occurred” difference unresolved. §1091b(b)(2)(D)–(E); §668.22(h)(5); C077
M040 FSEOG fund-specific match includes 100% of award; individual/aggregate matching excludes nonfederal share Matching method must be established before choosing base; no award assumed. §668.22(a)(3); S016; C006
M041 Agency instruction: calculate within30 days after determination G, not a substitute for each distinct express regulatory clock; institution’s records and action date absent. S015; C112
M042 Deemed institutional-advance disbursement dates: 30th day after period begins for covered delayed Direct loans; 10th day before first class for earlier institutional credits §668.164(a)(2)’s conditions; ordinary physical ledger entry alone may not establish the legal disbursement date. No general early-disbursement eligibility inferred. S006 §668.164(a); C060

B. Version, enactment, and application-date measurements

ID Source-stated date/period relied on Legal function, boundary, and claim links
M043 Access October27,2026 LA; statutory compilation October15,2026; latest eCFR currency October26,2026; title amendment label October8,2026 Different metadata functions; not actual transaction dates or complete later-law proof. C001/C109; S001–S013/S031/S034.
M044 Master-calendar November1 cutoff and prescribed second award year rule Applies to regulatory final-publication timing; designated early implementation can alter entity application under conditions. C111; S012.
M045 PL105-244 enactment October7,1998; specific two-year implementation; general October1,1998 clause; rule effective July1,2000, required implementation October7,2000, early November1,1999 Historical; specific §484B(e) distinguished from general Act effectiveness. Entire-package/all-withdrawals/no-reversion early conditions. C093; S017/S021.
M046 September21,2005 disaster Acts; PL109-171 enacted February8,2006, selected amendments effective July1,2006 Historical statutory adoption/application, not current personal deadlines. C094–C095; S018–S020.
M047 2002 rule published/early November1,2002, selected effectiveness July1,2003 Unrelated differently effective provision excluded. C096; S022.
M048 Interim rule August9,2006 / September8,2006; final rule November1,2006 / December1,2006 Publication/effectiveness distinguished; information-collection approval history not fully authenticated. C097; S023–S024.
M049 2007 rule publication/early November1,2007, effectiveness July1,2008; TEACH rule publication June23,2008, effectiveness July1,2008 Historical selected amendments. C098–C099; S025–S026.
M050 2010 rule October29,2010 / July1,2011; 2015 rule October30,2015 / July1,2016 Selected publication/effective dates; unrelated phased requirements not imported. C100–C101; S027–S028.
M051 2020 publication/early September2,2020, effectiveness July1,2021 Entity discretion for early implementation; later superseded module paragraph identified. C102/C104; S029.
M052 2025 publication January3,2025, two early provisions February3,2025, general effectiveness July1,2026; announcement March27,2026 The announcement’s withdrawal/cessation/LOA application trigger is separate from publication and institution election. C002–C003/C103; S014–S015.
M053 Handbook edition 2026–2027, modified June20,2026, older host publication labels March28,2021 / January11,2022 Guidance version metadata, not legal effective dates. C004; S016.
M054 2026 future rule publication July1,2026; general effectiveness July1,2027; instructions13–14 August31,2026 Selected future amendment boundary only; not an R2T4 deadline. C108; S030.
M055 PL117-103 enactment March15,2022; substituted July1,2024 / award year2024–2025; specified earlier implementation July1,2023–July1,2024, notice ≥60 days before §102(c)’s specified subject list and temporary SAI-as-EFC treatment apply only within its terms. Original substantive replacement chain incomplete. C107; S032–S033.

No illustrative financial or calendar model is supplied. The formulas above are source-stated legal relationships, not populated examples. Program status, period choice, attendance, charges, disbursement classification, aid limits, applicable annual deadlines, and several cross-reference questions remain absent or unresolved.

5. Conditional legal-category branches

The branch table also supplies branch-level coverage. “Answered/held” means the generic conditional rule is supported while every actual application remains held. “Partial” identifies a public-authority gap as well.

Branch Conditional rule and exact links Missing predicate/authority Adverse inference to avoid Next permissible generic public-law inquiry; coverage
B01 Scope/program unknown Apply only the program/category list governing the particular route. C005–C009; S001/S002/S004. Program, legal award category, period, applicable version. Every federal/private loan or grant follows the same return rule. Read the relevant program’s current authorization/application clauses if its category becomes material. Answered/held.
B02 No attendance §668.21’s distinct institutional duties apply upon the specified nonattendance predicate. C022–C027; S002. Beginning attendance and disbursement classifications. Use the 60% calculation for never-attendance. Examine only generic ED interpretations of §668.21’s period/program boundary. Answered/held.
B03 Attendance evidence unknown Inability to document any class during the period invokes §668.21(c); §668.22 activity requires institutional support. C010–C011/C026. Documentation category and legally relevant activity. Missing evidence proves fraud, or a login proves attendance. Read generic academic-engagement and attendance-documentation interpretations, without records. Answered/held.
B04 Withdrawal after attendance Apply §668.22 only after beginning attendance and satisfying a withdrawal condition, subject to exemptions. C030–C039. Completion, program/calendar, exception facts. Every cessation is automatically a withdrawal. Read generic interpretation of the particular §668.22(a)(2) category. Answered/held.
B05 Attendance-required category Outside, institutional, or comparable-process requirements can qualify, with student/time/census limits. C040–C042. Type and scope of legal attendance requirement. Every distance program is attendance-required under the unadopted proposal. Read any later final generic amendment addressing attendance; preserve proposal/final distinction. Answered/held.
B06 Official versus unofficial Official process/notice, earlier-date rule, midpoint, and documented activity are separate alternatives. C043–C047. Notice category and institutional determination. Midpoint is universal or student-selected. Read generic agency interpretation of official notice and activity-date substitution. Answered/held.
B07 Circumstance preventing notice The institution may determine a circumstance-related date only under the stated uncontrollable-circumstance conditions. C044. Prevented-notice predicate and legal documentation. Any illness or difficulty automatically changes the date. Examine generic §668.22(c)(1)(iv) guidance; no diagnosis/record inquiry. Answered/held.
B08 Leave conditions All LOA requirements and the aggregate duration limit must be satisfied. C050–C053. Policy category, approval/request/timing, expectation of return. A school-approved academic leave automatically is Title IV-approved LOA. Read generic interpretation of the specific LOA condition. Answered/held.
B09 Eligible prison program Coursework-resumption exception applies only to the legally qualified category; other LOA requirements persist. C052/C110. Incorporated institutional/program/oversight qualifications. Incarceration alone establishes the exception. Read complete indispensable §§668.235/668.241 and institution/program definitions if qualification must be explained. Partial/held.
B10 Modular completion Successful ≥49% module completion or applicable half-time coursework can prevent withdrawal. C033–C034. Program structure, lawful denominator, successful completion. Use the earned-aid denominator or round upward to49%. Read generic intersession/overlap guidance for the legal calendar category. Answered/held.
B11 Confirmed return/reentry Written confirmation, same-period/gap limits, changed-date timing, failure-to-return, and reentry restoration are distinct. C035–C037/C019. Confirmation and return category; Secretary conditions. Intention to return alone prevents withdrawal indefinitely. Read generic conditions for restored aid under §668.22(a)(2)(iii)/§668.4(f). Answered/held; downstream conditions bounded.
B12 Full-refund exemption All four conditions and optional institutional use are required. C038–C039. Election and each condition; no actual records inspected. Any tuition refund eliminates R2T4 or cancels all debts. Read later generic clarification of the exemption’s record/balance scope. Answered/held.
B13 Withdrawal/determination dates Dates serve different functions and depend on attendance/notice/leave category. C042–C049. Relevant legal category and triggering event. Start every deadline from last class or notice receipt. Read generic determination guidance for the precise category. Answered/held.
B14 Period choice Standard-term payment-period rule and nonterm/nonstandard consistent-category choice govern. C017–C021. Calendar, permitted choice, cohort category; stale §668.4(d). Use whichever period produces a preferred result. Authenticate the current replacement, if any, for §668.4(d)’s missing targets. Partial/held.
B15 Numerator/denominator Credit-day and scheduled-clock fractions use their own exclusions and start points. C055–C057. Defined period, schedule, breaks, module beginnings. Mix actual clock attendance with scheduled hours, or combine different periods. Read generic clock-period/module instructions and any correction to the 2025 rule. Answered/held.
B16 Boundary/equality 60% equality remains proportional; only greater than60% earns100%; 49% has a separate inclusive test. C033/C058–C059. Exact legal fraction and rounding convention. Treat60% as100% or round a deficient49% result upward. Read current official rounding instructions if changed. Answered/held.
B17 Institutional charges Statutory/regulatory charges, handbook interpretation, and creditable charges are different inquiries. C067–C070. Charge category, prewithdrawal assessment, prorating, lawful authorization. Every ledger debit is an institutional charge or enforceable debt. Read generic clarification of the particular charge category, not school policies. Answered/held.
B18 Disbursed versus potential aid Net aid, inadvertent disbursements, pre-ineligibility conditions, and limits determine categories. C054/C060–C064. Origination/award/record/note timing; applicable aid limits. Potential aid is necessarily payable cash. Authenticate SAI/EFC statutory transition and relevant annual record deadline. Partial/held.
B19 Late-loan restrictions The first-year/first-time, second-disbursement, note, and outer-time restrictions remain independent. C062–C063/C087. Program/borrower category and legally calculated institutional exception. Earned100% overrides a disbursement prohibition. Read only indispensable cohort-rate or program-payment clauses for the selected exception. Answered/held; rate regime excluded.
B20 Institutional responsibility Lesser-of formula and timely-return requirements govern the institution. C066–C067/C080. Correct aid/charge bases and determination date. Student grant protection halves the institution’s return. Read any generic correction affecting §668.22(g) or §668.173(b). Answered/held.
B21 Student/parent distinction Residual responsibility and parent PLUS borrowing category must be separated; loans follow their terms. C071–C072. Borrower role, program, allocation. A parent is liable for every student grant or institutional balance. Read narrowly relevant current parent-loan provisions if a generic borrower definition needs expansion. Answered/held.
B22 Grant protection Apply the specified base,50% protection, and ≤$50 nonremaining per-program rule. C073–C076. Base, program, whether original overpayment or remaining balance. Every balance below$50 is cancelled. Read official clarification reconciling “received” and “could have been disbursed.” Partial reconciliation/held application.
B23 Return order Use the applicable period’s outstanding balances and exact statutory/regulatory sequence. C078–C079. Program and historical/current applicability. A listed legacy program is currently originating awards. Read current program repeal/transition clauses only if that legacy category matters. Answered text/held availability.
B24 PWD offer/consent Grant credit/direct payment and loan written confirmation are distinct; content and partial acceptance conditions apply. C081–C086. Aid type, lawful charges, confirmation, response. Silence authorizes a loan disbursement. Read generic PWD notification guidance; no notice drafting. Answered/held.
B25 Timing/service absent Each clock retains its own awareness, determination, sending, mailing, or bank-act trigger. C027–C029/C075/C080/C083–C086. Trigger and delivery/counting evidence; general extension conventions. A webpage’s “days” means business days or supplies a receipt presumption. Read a complete applicable generic counting/delivery provision before any calendar computation. Partial counting/held application.
B26 Disaster waiver Formal declaration, location, causation, temporal condition, and Secretary discretion are cumulative. C077. All predicates; academic/award-year reconciliation. Any disaster creates automatic waiver or waives institutional returns. Read generic official clarification of the year/event discrepancy; no declaration/area lookup. Partial/held.
B27 Statutory/regulatory discrepancy Preserve different bases, words, and references; adjacent operative bodies were read separately. C046/C065/C074/C077/C104–C107. Corrective instrument or controlling authorized interpretation. Silently amend text or announce invalidity/judicial consensus. Search public generic corrective/amendatory instruments for the exact provision. Unresolved reconciliation.
B28 Current/early/historical application Match event to effective/application provisions and any permitted institutional early election. C002–C003/C093–C103/C111. Relevant period and implementation category. Publication date alone makes every provision operative. Recheck current eCFR and actual Federal Register application clauses. Answered framework/held application.
B29 Source failure/currentness Failed originals support no legal conclusion; successful alternatives remain bounded by their displayed currency. C001/C109. Original FAFSA body, foreign-disbursement clauses, complete later-law chain. Failure proves absence/repeal or authorizes a workaround. Retry ordinary official public originals or another official published format; no security bypass. Partial.
B30 Return/refund/institutional debt Ordinary return, refund policy, principal credit, and privately enforceable balance are separate; narrow exemption write-off is explicit. C089–C092. Applicable contract/other law, excluded from this pass. Federal return establishes school debt, forgiveness, or collection rights. Identify the distinct public-law regime needed for the question without examining an actual contract. Answered boundary; downstream excluded.
B31 Remaining parent dimensions This component supplies no conclusion on tax, credit, collection, bankruptcy, private loans, family allocation, or suitability. C092/C109. Separate legal regimes and all application facts. Treat this return framework as debt relief or a recommendation. Define a separate generic public-law component if later requested. Excluded with reason.

6. Wholly blank analytical evidence worksheet

The labels below identify analytical categories only. Every authority-entry, evidence-entry, analysis, and result cell is blank. This is not an intake form, application, official return worksheet, records request, or decision tool.

Analytical field Authority entry Evidence entry Analysis Result
Source/version/status
Actual access and read bounds
Effective/application provision
Generic program category
Generic actor category
Underlying eligibility boundary
Payment-period category
Enrollment-period category
Credit/clock/calendar category
Subscription/modular category
Nonattendance category
Academic-engagement evidence category
Attendance-required classification
Withdrawal classification
Official/unofficial notice category
Withdrawal-date rule
Determination-date rule
Leave-of-absence conditions
Completion/confirmation/reentry exception
Optional full-refund exemption
Disbursed-aid category
Potentially disbursable-aid category
Grant/loan/parent-borrower distinction
Institutional-charge category
Allowable-credit/authorization category
Numerator/denominator
Base/unit/threshold/equality
Rounding convention
Institutional responsibility
Student/parent responsibility
Grant-protection condition
Return ordering
PWD offer/confirmation category
Notice content/recipient category
Trigger/unit/sending/receipt distinction
Return/disbursement method condition
Statutory/regulatory discrepancy
Unresolved cross-reference
Currentness/source-access gap
Refund/contract/debt boundary
Other downstream boundary
Missing public authority
Next permissible generic inquiry

7. Granular question coverage and question-to-claim crosswalk

Branch-level coverage is in B01–B31; comparison-level coverage is in D01–D16. The table below maps every numbered question and its material subquestions to the substantive evidence.

User question / material subquestion Status and finding Claim/source/branch links Missing evidence or authority; exact next permissible inquiry
1(a) Complete selected current bodies Answered: complete statute and both regulations read. C001; S001–S002 Full later-law/judicial certification not claimed; recheck official compilations and subsequent amendatory instruments.
1(b) Definitions, nested clauses, exceptions Answered within selected bodies; partial incorporations. C005–C021, C030–C053; S003–S013/S031/S034 Full institutional/program eligibility, cohort-rate and prison-program qualification regimes held; trace only a newly indispensable clause.
1(c) Version/legal publication status Answered with separate compilation/access/effectiveness labels. C001–C004/C109; source register No unseen UI/model verification; no complete uncodified-law audit.
1(d) Recent amendments, mandatory/early implementation Answered for material 2020/2025 instruments; future 2026 boundary bounded. C002–C003/C102–C108/C111; S014/S029/S030 Actual early election absent; inquire only into generic application clauses.
2(a) Programs and exclusions Answered text; program availability held. C005–C009/C078–C079; B01/B23 Current origination/award eligibility not inferred from legacy names; read relevant program transition if necessary.
2(b) Generic institution/student/parent roles Answered within return mechanism. C008–C009/C071–C072 Full eligibility/parent PLUS underwriting excluded.
2(c) Payment/enrollment/academic structures Answered; §668.4(d) partial. C012–C021/C106; S004/S005; B14 Authenticate missing target paragraphs or corrective rule; no substitute assumed.
2(d) Attendance, engagement, leave, modules Answered conditional framework. C010–C013/C030–C053; B03–B13 No actual academic/attendance determination; generic interpretations only.
3(a) Nonattendance trigger and covered funds Answered. C022–C026; S002; B02–B03 Program/period/attendance facts absent; no facts sought.
3(b) Institution/direct-recipient allocation and knowledge exception Answered; foreign-disbursement incorporation partial. C023–C025/C028–C029; S009–S011 Current §682.207 subclauses inaccessible; obtain ordinary official text if needed.
3(c) Notices, deadlines, methods Answered text; actual service/counting held. C024/C027–C029; M002–M003 No awareness/mailing/bank event; read generic delivery/counting authority before computation.
3(d) No attendance versus evidence failure/withdrawal Answered. C026/C030/C038–C039; D01–D02 No fraud/default/error inference.
4(a) Required/nonrequired attendance categories Answered. C040–C042; D04/B05 Actual requirement absent; no institution lookup.
4(b) Official/unofficial/activity date Answered text; statutory broader-regulation reconciliation held. C043–C047; S001–S003 Clarify exact statutory/regulatory difference through generic corrective/interpretive authority.
4(c) Withdrawal date versus determination Answered. C048–C049; D03/M010–M011 Attendance-required determination details beyond selected guidance remain bounded.
4(d) LOA, failure to return, rescission Answered; prison qualification partial. C045/C050–C053/C110; B08–B09 Full prison-program qualification incorporated regimes not completed.
4(e) Modules, return confirmation, reentry, completion exemptions Answered conditional rules. C031–C039; B10–B12 Actual schedule/completion/confirmation absent; no chronology created.
5(a) Earned/unearned bases and comparison Answered regulatory mechanism; statutory wording difference unresolved. C054/C064–C065; S001/S002 No mathematical harmonization assumed; inspect generic corrective interpretation.
5(b) Numerator/denominator, days/hours, breaks Answered. C055–C057; M014–M015 Period, schedule, breaks, module attendance absent.
5(c) Threshold/equality/rounding Answered, with guidance status explicit. C033–C034/C058–C059; M006/M013/M027 No calculation or example.
5(d) Period selection and unequal-period attribution Answered except stale exemption. C017–C021/C106 Resolve §668.4(d) separately.
5(e) Charges, net/gross, credited/disbursed/could Answered selected framework. C060–C070; S006/S016 Actual charges and eligibility absent; annual record deadline not selected.
5(f) Institution/student/parent, order, grant protection Answered; statutory/regulatory differences preserved. C066–C080 No actual allocation/receivable established.
6(a) PWD grant/loan offer, confirmation, partial acceptance Answered. C081–C086; S002 No notice or acceptance created.
6(b) Allowable credit and authorization Answered narrow clauses; full banking/delivery held. C070/C088; S006 Full §668.164(d)(4)–(g) account-arrangement regime not completed.
6(c) PWD/late-disbursement timing and restrictions Answered; annual deadline and rate computation held. C062–C063/C082–C087 Read applicable generic annual Federal Register deadline only when the award-year legal question is specified.
6(d) Grant overpayment notice/protection/agreements Answered. C073–C077; M019–M020 No agreement, waiver, eligibility, or receipt result.
6(e) Loan-note treatment and program return Answered narrow distinction. C072/C090–C092 Full loan contract, servicing, collection, and discharge excluded.
7(a) Actual enacted/amendatory/effective bodies Answered for listed material instruments; not exhaustive history. C093–C103; S017–S029 Unread earlier predecessors, separate information-collection notice, later history remain explicit.
7(b) Statute/regulation/manual discrepancies Partial/unresolved reconciliation. C046/C065/C074/C077/C104–C107 Exact corrective interpretation or amendment not established.
7(c) Necessary handbook bounds Answered selected headings; Part2 body unavailable. C004/C034/C059–C061/C068–C070; S016 No reliance on unread Part2 body; retry ordinary original if additional question requires it.
7(d) Failures/ordinary alternatives Answered log. C109; failure log No inference of legal absence or workaround.
8(a) Tuition refund/institutional balance Answered separation and narrow exemption. C038/C089–C091; D11/B30 Contracts/State refund law excluded; no actual policy read.
8(b) Discharge, bankruptcy, collection, credit, private/parent liability Excluded with reason: separate regimes. C092; B31 Next inquiry must name a distinct generic legal regime, not actual records.
9(a) Required comparisons Answered/qualified individually in D01–D16. Claims/sources in each comparison row Partial items explicitly marked; no actual classification.
9(b) All relied-on quantities Answered in M001–M055. Exact clauses/claims in each row No actual values, dates, or computing conventions invented.
9(c) Optional model Excluded by choice with reason: no need for populated or universal model. C054–C080; measurement register Missing classifications and unresolved cross-references prevent a single application model.
10(a) At least20 substantive branches Answered with31 branches. B01–B31 Each contains predicates, adverse inference, next inquiry, and status.
10(b) Adapt unsupported premises Answered: unadopted proposals, legacy lists, and missing references not treated as current permissions. C103–C107; B05/B14/B23/B27 No padding with invented rules.
11(a) Wholly blank worksheet Answered. Section6 All authority/evidence/analysis/result cells blank.
11(b) No intake, screening, records, operative documents Answered as research conduct. Worksheet and self-check No actual or invented record, financial allocation, notice, or recommendation created.

8. Source-read and failure log

Successful reads are fully bounded in the source register. The following failures and alternatives remain part of the evidence record; none supports a substantive legal conclusion.

Log ID Attempt and actual result Ordinary alternative / consequence
F01 https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title20-section1091b&num=0&edition=prelim returned a maintenance page rather than the statutory body. S001’s successful OLRC compilation was read completely. Original failure not concealed.
F02 https://uscode.house.gov/us/usc/119-134/t20/s1091b/ was inaccessible. Another preliminary-view attempt also failed. Successful 119-124 compilation used; no claim that an inaccessible later compilation was read.
F03 Preliminary and 119-121 §1089 routes failed, including https://uscode.house.gov/us/usc/119-121/t20/s1089/. S012’s 119-124 text supplied the complete selected subsection.
F04 https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.173 failed because the attempted path was not the successful location. Correct Subpart L source S007 read. A failed guessed path was not treated as missing law.
F05 A guessed handbook Chapter1 “steps…Part1” path failed. The correct Chapter2 Part1 body succeeded. Chapter2 Part2 initially exposed only an introductory extract; subsequent body requests repeatedly timed out/returned errors. S016 records exact partial read. No substantive reliance on unread Part2.
F06 https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-B/section-682.207 and https://www.ecfr.gov/current/title-34/section-682.207 were inaccessible. §668.21’s express cross-reference retained; detailed foreign/study-abroad disbursement conditions unresolved.
F07 https://www.govinfo.gov/content/pkg/CFR-2025-title34-vol4/pdf/CFR-2025-title34-vol4-sec682-207.pdf was inaccessible. No annual-edition body or currentness claim based on it.
F08 The 1999 FederalRegister.gov page exposed metadata rather than the historical operative body. Ordinary GPO original PDF S021 succeeded; selected complete amendatory body and dates read.
F09 PL116-260 HTML exceeded the retrieval size limit; GPO PDF failed parsing; Congress.gov PDF returned a restricted-URL failure. Exact URLs are in S033. No bypass attempted. SAI/EFC substantive original-history chain remains partial despite S032’s successful amendment read.
F10 https://uscode.house.gov/us/usc/119-124/t20/s1087kk/ was inaccessible. No current need-analysis formula adopted. The report identifies the wording mismatch without claiming complete reconciliation.
F11 https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-F/section-690.75 failed. The official cross-reference led to correct Subpart G, S034; body read.
F12 Some first eCFR retrievals displayed older title-currency dates—October23, October20, or October2. Later successful checks displayed October26. Earlier labels were not used as enactment/effectiveness dates; substantive selected clauses were checked in the later accessible text.
F13 One invalid navigation/click request failed as a tool argument rather than producing a source. No legal conclusion or source-absence inference followed.

Read accounting: §§668.21 and 668.22, §1091b, §§668.3–.4, §682.412, and the specified short Acts were read as complete bodies within their stated bounds. Other large instruments were read selectively. Subdivisions, HTML/PDF formats, and repeat retrievals of the same instrument are grouped; they are not independent corroboration.

9. Explicit unresolved issues and downstream holds

Gap What is established What remains unresolved / exact next generic inquiry
G01 Full currentness chain Current official-publisher compilations and material selected originals were read. Exhaustive enactment, correction, uncodified special-relief, and judicial history through the access date was not established. Recheck exact provisions and later official amendatory texts; do not infer absence from no result.
G02 Main late-disbursement cross-reference Current §668.22(a)(5) says (i); current late-disbursement body is (j); actual 2020 amendment confirms the mismatch. Locate an official correction or specific generic reconciliation. No judicial answer is supplied.
G03 Other numbering mismatches §668.164(j)(3)(i), §668.22(a)(6)(iii)(A)(5), and §668.4(d) contain identified inconsistencies/missing targets. Authenticate each replacement/correction individually before operational reliance on the cross-reference.
G04 Statutory/regulatory bases Both complete texts and material 2006 amendments were read. Meaning/reconciliation of received versus potentially disbursable grant base, statutory versus regulatory unearned amount, and unofficial-date breadth is not finally adjudicated here.
G05 Disaster year/event language Statute, regulation, original waiver Acts, and implementing explanation were read. Academic-year/award-year and “ended”/“occurred” difference remains; no actual waiver, declaration, or geographic lookup.
G06 SAI/EFC Current handbook and regulation differ; actual 2022 effective-date amendment read. Original substantive PL116-260 body and complete subsequent application chain were not retrieved.
G07 Foreign/study-abroad disbursement §668.21’s express treatment and final-demand incorporations read. Current §682.207(b)(1)(v)(C)(1)/(D) body inaccessible.
G08 Actual annual deadlines and eligibility §668.164(j)(4)(iv) requires a valid aid record by a separately published deadline. No award year or individual eligibility facts supplied; no annual deadline selected or computed. Full eligibility, limits, and program availability remain separate.
G09 Full institutional/PEP/cohort qualification Complete relevant selected definitions and conditions read. Incorporations into licensing, accreditation, institutional eligibility, prison-program oversight, and cohort-default-rate methodology require separate bounded inquiry if indispensable.
G10 Delivery/counting Express sending, mailing, calendar-day, awareness, determination, and bank-act triggers recorded. No universal receipt presumption, holiday extension, business-day convention, or actual service event established.
G11 Tuition refund and private liability Federal returns and required refund disclosures are distinct; the optional exemption contains a narrow express write-off condition. Actual refund policy, contract, enforceable receivable, restitution, or collection rights remain outside this pass.
G12 Other parent dimensions This component describes only selected federal return mechanisms. Discharge, cancellation, servicing/default beyond indispensable clauses, collection operations, credit reporting, tax, bankruptcy, State protections, family financial allocation, affordability, and suitability remain held.

10. Researcher self-check — not independent review

Check Result of this pass
Independent investigation Earlier reports and conversations were not used as substantive foundations.
Core completeness Complete current retrieved bodies of §1091b and §§668.21–.22 read, including nested exceptions and displayed notes/source credits.
Primary-source discipline Legal findings rest on official statutory/regulatory bodies and actual selected enacted/amendatory instruments; handbook and announcement statements are labeled guidance.
Effective/application distinction Publication, effectiveness, mandatory application, optional early implementation, compilation currency, and actual access date are kept separate.
Numerical discipline Every relied-on operative quantity and reported historical/application date is registered; no personal, institutional, financial, or calendar input was invented.
Category discipline Nonattendance, withdrawal, full-refund exemption, earned aid, potential aid, PWD, institutional return, student grant overpayment, and note repayment remain distinct.
Discrepancies Identified textual and numbering differences remain visible; none was silently repaired.
Source failures Failed originals and successful ordinary alternatives are disclosed; no security/CAPTCHA workaround used.
Read-bound accuracy No whole-document, whole-regime, PDF-pixel, form, or actual-record review is claimed from selected text.
Worksheet All authority/evidence/analysis/result cells are genuinely blank.
Identifying data and actions No actual or invented identifying-party, institution, account, attendance, award, case, roster, contract, or completed-notice inquiry was made; no filing, contact, transaction, or operative document was produced.
Application and acceptance No individual eligibility, liability, return, refund, deadline, breach, default, relief, or recommended financial/legal action is established. No component, A077/parent, operational, or publication acceptance is asserted.
Review status This is the researcher’s own check. It is not independent review.

END R077 PASS-01

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

Captured table 01

Source ID · Issuer, title, complete literal HTTPS URL · Exact actual read bounds · 15 data rows

Source IDIssuer, title, complete literal HTTPS URLExact actual read boundsVersion, status, application, and limits
R077-P1-S001Office of the Law Revision Counsel, 20 USC 1091b—Institutional refunds. https://uscode.house.gov/us/usc/119-124/t20/s1091b/Complete §1091b(a)–(e), source credit, displayed editorial/amendment/effective-date notes. HTML; no PDF index.Displayed through PL 119-124, October 15, 2026. Enacted statutory text in current compilation; selected original enactments separately authenticated below. Earlier failed endpoints remain in the failure log. Not an exhaustive later-law audit. uscode.house.gov
R077-P1-S002Department of Education; OFR/GPO eCFR, 34 CFR Part 668, Subpart B, §§668.21 and 668.22. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.21 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.22Complete §668.21(a)–(d) and complete §668.22(a)–(l), including source credits and nested clauses. HTML.Latest displayed currency October 26, 2026; title last amended October 8, 2026. Earlier retrieval displayed October 23. Current eCFR compilation, authoritative but unofficial. §668.22’s material 2025 amendments became effective July 1, 2026, subject to specified early implementation. Same regulatory instrument, not independent corroboration. ecfr.gov +2
R077-P1-S003ED/OFR/GPO, 34 CFR 600.2—Definitions. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2Complete selected definitions: academic engagement, academic year/award-year-related terminology where present, clock hour, credit hour, correspondence course, distance education, educational program, eligible institution. Remainder not adopted as a complete eligibility dossier. HTML.Latest title currency October 26, 2026. Current codification; individual definitions’ complete amendment chains not reconstructed. Incorporated institutional/accreditation qualifications remain held. ecfr.gov +1
R077-P1-S004ED/OFR/GPO, 34 CFR Part 668, Subpart A. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.3 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.8§668.2: complete selected definitions full-time, half-time, subscription-based program, parent, participating institution, FWS, SAR/ISIR, and scope-limited “student”; relevant program definitions. Complete §§668.3 and 668.4. §668.8 (k)–(l) complete, with introductory context; not whole §668.8.Latest title currency October 26, 2026. Current codification. §668.4(d) contains cross-references not matched by current target paragraphs; preserved as unresolved. Full institutional/program eligibility remains outside scope. ecfr.gov +3
R077-P1-S005ED/OFR/GPO, 34 CFR 690.63—Calculation of a Federal Pell Grant for a payment period. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-F/section-690.63Complete (a)(1)–(2) for standard/nonstandard calendar classification. Other Pell calculation provisions not read as a complete regime. HTML.Latest title currency October 26, 2026. Used only for §668.22(l)(8)’s calendar boundary, not a Pell award computation. ecfr.gov
R077-P1-S006ED/OFR/GPO, 34 CFR Part 668, Subpart K—Cash Management. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.163 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.164 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.165§668.163 (a)–(b); §668.164 (a)–(c), (d)(1)–(3), (h), (i), (j), (m) complete selected clauses; beginning of (d)(4) encountered, not full bank-arrangement regime. §668.165 (a)–(b) complete.Latest title currency October 26, 2026. §668.164(j) is the current late-disbursement provision; (i) addresses early disbursement. Other cash-management, account, unclaimed-payment, and delivery regimes not completed. ecfr.gov +3
R077-P1-S007ED/OFR/GPO, 34 CFR 668.173—Refund reserve standards. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-L/section-668.173Complete (b), with necessary surrounding applicability context. Reserve, audit, and letter-of-credit regime not adopted. HTML.Latest title currency October 26, 2026. Used for institutional return methods and check-timeliness conditions. ecfr.gov
R077-P1-S008ED/OFR/GPO, 34 CFR 668.43—Institutional and programmatic information. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-D/section-668.43Complete (a)(2)–(4) with introductory requirement. No actual disclosure or institutional policy inspected.Latest title currency October 26, 2026. Future amendment to paragraph (d) examined separately; it is not a substitute for these selected paragraphs. ecfr.gov
R077-P1-S009ED/OFR/GPO, 34 CFR 685.211—Miscellaneous repayment provisions. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-B/section-685.211Complete (c) and (e). Other repayment, rehabilitation, and collection provisions not adopted.Latest title currency October 26, 2026. Narrow incorporation from §668.21 and principal-credit distinction only; no actual default or collection finding. ecfr.gov
R077-P1-S010ED/OFR/GPO, 34 CFR 685.303—Processing loan proceeds, and 685.301—Origination. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.303 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.301§685.303 (b)(1), (b)(4)–(5) complete; adjacent (b), selected (d), and (f) inspected for limits. §685.301 current paragraph structure and (b) read to test §668.4(d)’s reference.Latest title currency October 26, 2026. No complete origination, loan-limit, cohort-default-rate, or promissory-note dossier. Current §685.301(b) does not contain (b)(8). ecfr.gov +1
R077-P1-S011ED/OFR/GPO, 34 CFR 682.412, 682.411, 682.604. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.412 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.411 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-F/section-682.604Complete §682.412(a)–(e); §682.411(f) complete with adjacent delinquency context; current §682.604 body inspected to test the referenced (c)(10).Latest title currency October 26, 2026. §682.604 now concerns exit counseling and has no (c)(10). Broader FFEL collection/default-claim machinery held. §682.207 failures logged separately. ecfr.gov +2
R077-P1-S012OLRC, 20 USC 1089—Master calendar. https://uscode.house.gov/us/usc/119-124/t20/s1089/Complete (c)(1)–(2). Other master-calendar requirements not adopted. HTML.Compilation through PL 119-124, October 15, 2026. Statutory final-publication/award-year and designated early-implementation framework. uscode.house.gov
R077-P1-S013OLRC, 42 USC 5170—Procedure for declaration. https://uscode.house.gov/us/usc/119-124/t42/s5170/Complete (a)–(c). No declaration, geographic list, disaster record, or broader Stafford Act dossier inspected.Compilation through PL 119-124, October 15, 2026. Used only to identify the formal presidential-declaration predicate incorporated by the return provisions. uscode.house.gov
R077-P1-S031ED/OFR/GPO, 34 CFR 668.236—Eligible prison education program. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-P/section-668.236Complete (a)–(c) read. Its incorporated program, institution, oversight, accreditation, licensing, and best-interest regimes not completed.Latest title currency October 26, 2026. Establishes that the LOA exception refers to a conditioned legal category, not simply incarceration or a program label. Qualification remains held. ecfr.gov
R077-P1-S034ED/OFR/GPO, 34 CFR 690.75—Determination of eligibility for payment; 686.31—Determination of eligibility for payment and cancellation of a TEACH Grant. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-G/section-690.75 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-686/subpart-D/section-686.31§690.75 complete body; §686.31 complete (a) and adjacent (b)–(e) encountered. Reliance limited to preceding-payment-period completion and the cumulative prerequisites in (a).Latest rechecks October 26, 2026; earlier cached views displayed October 20 and October 2 respectively. Full grant eligibility, service obligations, cancellation, and satisfactory-progress remedies held. ecfr.gov +1
Source links captured in this table

Captured table 02

Source ID · Issuer, instrument, complete literal HTTPS URL · Exact actual read bounds; printed page / PDF index · 19 data rows

Source IDIssuer, instrument, complete literal HTTPS URLExact actual read bounds; printed page / PDF indexStatus and dates
R077-P1-S014ED, Program Integrity and Institutional Quality: Distance Education and Return of Title IV, HEA Funds, final rule. https://www.govinfo.gov/content/pkg/FR-2025-01-03/pdf/2024-31031.pdfDates and Implementation V, printed 470–471 / indices 0–1; complete relevant R2T4 discussion of unadopted nonattendance proposal, full-refund exemption, attendance documentation, unadopted distance-attendance proposal, prison-program LOA, clock-hour and module changes, 483–489 / 13–19; complete instruction 12 amending §668.22, p.504 / index34. Not all 35 pages.Published January 3, 2025; generally effective July 1, 2026. Specified early implementation February 3, 2025 for the full-refund exemption and prison-program LOA provision. Preamble interpretation distinguished from amendatory text. govinfo.gov +2
R077-P1-S015Federal Student Aid, GENERAL-26-20—Implementation of R2T4 Regulations Effective July 1, 2026. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2026-03-27/implementation-return-title-iv-funds-r2t4-regulations-effective-july-1-2026Complete substantive announcement body, including implementation, withdrawal exemption, attendance documentation, modules, clock hours, and LOA explanation. HTML.Posted March 27, 2026. Official operational interpretation, not a regulation. States application to withdrawal, cessation of attendance, or beginning approved LOA on/after July 1, 2026. No actual implementation verified. Knowledge Center
R077-P1-S016FSA, 2026–2027 Federal Student Aid Handbook, Volume 5, Chapter 1 and Chapter 2 Parts 1–2. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch1-general-requirements-withdrawals-and-return-title-iv-funds ; https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-1 ; https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-2Chapter 1: complete selected headings on introductory distinctions, withdrawal exemptions/49% denominator, institutional charges through proration, rounding, included funds and limits. Chapter 2 Part 1: complete selected Step 1 aid categories; selected attendance, overlapping periods, and clock-hour discussions. Part 2 only introductory extract successfully read; later body retrieval failed. No whole-volume claim.Edition 2026–2027. Ch.1 and Ch.2 Part1 displayed last modified June 20, 2026, with older host publication dates March 28, 2021 and January 11, 2022. Official guidance; not an independent source of legislation. Published numerical stories were not adopted or reproduced. 2026-2027 Federal Student Aid Handbook +3
R077-P1-S017Congress/GPO, PL 105-244, Higher Education Amendments of 1998. https://www.govinfo.gov/content/pkg/PLAW-105publ244/html/PLAW-105publ244.htmComplete §485, rewriting HEA §484B, 112 Stat.1737–1741; §3 general effective clause. HTML statutory pagination; no PDF index. Rest of Act not read.Enacted October 7, 1998. §484B(e)’s specific two-year implementation/early-election language distinguished from §3’s general October 1, 1998 effective rule. govinfo.gov +2
R077-P1-S018Congress/GPO, PL 109-66, Pell Grant Hurricane and Disaster Relief Act. https://www.govinfo.gov/content/pkg/PLAW-109publ66/html/PLAW-109publ66.htmComplete enacted body and approval; 119 Stat.1999–2000. HTML; no PDF index.Approved September 21, 2005. Adds Pell student-return waiver authority; no separate delayed effective clause found in the complete short Act. govinfo.gov
R077-P1-S019Congress/GPO, PL 109-67, Student Grant Hurricane and Disaster Relief Act. https://www.govinfo.gov/content/pkg/PLAW-109publ67/html/PLAW-109publ67.htmComplete enacted body and approval; 119 Stat.2001–2002. HTML.Approved September 21, 2005. Adds corresponding other-grant waiver authority; no separate delayed effective clause found. govinfo.gov
R077-P1-S020Congress/GPO, PL 109-171, Higher Education Reconciliation Act provisions. https://www.govinfo.gov/content/pkg/PLAW-109publ171/html/PLAW-109publ171.htmComplete §8022, 120 Stat.178–179; complete §8001(c) effective clause. Printed page for the latter was not separately established in the selected HTML extract. Whole Act not read.Enacted February 8, 2006; selected amendments effective July 1, 2006, except otherwise provided. govinfo.gov +1
R077-P1-S021ED, Student Assistance General Provisions; FFEL; Direct Loan, 1999 final rule. https://www.govinfo.gov/content/pkg/FR-1999-11-01/pdf/99-28315.pdfDates/implementation, 59016 / index0; complete instruction 5’s then-new §668.22, 59038–59042 / indices22–26. Not all 29 pages.Published November 1, 1999; regulatory effective date July 1, 2000; stated mandatory implementation October 7, 2000; early implementation from November 1, 1999 with entire-rule, all-withdrawals, and no-reversion conditions. Historical text, later amended. govinfo.gov +3
R077-P1-S022ED, Federal Student Aid Programs, 2002 final rule. https://www.federalregister.gov/documents/2002/11/01/02-27627/federal-student-aid-programsDates and complete selected instruction 11, §668.22, printed 67073; HTML, no PDF index.Published November 1, 2002; selected rule effective July 1, 2003; permitted early implementation November 1, 2002. Unrelated differently effective provision not imported. federalregister.gov +1
R077-P1-S023ED, Federal Student Aid Programs, 2006 interim final rule. https://www.federalregister.gov/documents/2006/08/09/06-6696/federal-student-aid-programsDates; complete instruction 13 amending §668.22, printed 45694–45696; complete selected grant-protection and disaster explanation, including 45671–45672 context. HTML.Published August 9, 2006; effective September 8, 2006. Historical interim final rule; separate information-collection approval condition noted, later approval notice not authenticated. federalregister.gov +1
R077-P1-S024ED, Federal Student Aid Programs, 2006 final rule. https://www.federalregister.gov/documents/2006/11/01/E6-18183/federal-student-aid-programsDates and complete instruction 4, §668.22, printed 64397. HTML.Published November 1, 2006; effective December 1, 2006. Changes include written late-PWD outcome, grant-program wording, and disaster “occurred” wording. federalregister.gov
R077-P1-S025ED, Federal Student Aid Programs, 2007 final rule. https://www.govinfo.gov/content/pkg/FR-2007-11-01/pdf/E7-21083.pdfHeader dates; complete instruction 5’s §668.21 and complete instruction 6’s PWD paragraph, printed 62027–62028 / indices13–14. Other amendments selected only; not whole 21-page instrument.Published November 1, 2007; effective July 1, 2008; early implementation permitted November 1, 2007. Historical source for current nonattendance and PWD architecture. govinfo.gov +2
R077-P1-S026ED, TEACH Grant Program and Other Federal Student Aid Programs, final rule. https://www.federalregister.gov/documents/2008/06/23/E8-13587/the-teacher-education-assistance-for-college-and-higher-education-teach-grant-program-and-otherDates and complete selected instructions 8–9, §§668.21–.22, printed 35493. HTML.Published June 23, 2008; effective July 1, 2008. TEACH additions only; full service/loan-conversion regime not investigated. federalregister.gov +1
R077-P1-S027ED, Program Integrity Issues, 2010 final rule. https://www.federalregister.gov/documents/2010/10/29/2010-26531/program-integrity-issuesDates; complete instruction 18, §668.22, printed 66951–66952. HTML.Published October 29, 2010; selected changes effective July 1, 2011. Includes attendance/category and numbering changes; later module amendments separately read. federalregister.gov
R077-P1-S028ED, Program Integrity and Improvement, 2015 final rule. https://www.govinfo.gov/content/pkg/FR-2015-10-30/pdf/2015-27145.pdfDates; complete amendatory §668.164(j), printed 67199–67200 / indices73–74. Other cash-management amendments not completed; not whole 76-page rule.Published October 30, 2015; selected rule effective July 1, 2016. Establishes actual adopted late-disbursement paragraph (j). govinfo.gov
R077-P1-S029ED, Distance Education and Innovation, 2020 final rule. https://www.govinfo.gov/content/pkg/FR-2020-09-02/pdf/2020-18636.pdfDates/implementation, 54742–54743 / indices0–1; complete instruction 20, §668.22, 54816–54818 / indices74–76. Not whole 77-page instrument.Published September 2, 2020; effective July 1, 2021; early implementation permitted September 2, 2020. Actual instruction changes §668.22(a)(5)’s reference to (i) while changing (l)(1)/(4) to (j). govinfo.gov +2
R077-P1-S030ED, Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: STATS and Earnings Accountability, final rule. https://www.federalregister.gov/documents/2026/07/01/2026-13286/accountability-in-higher-education-and-access-through-demand--driven-workforce-pell-student-tuitionDates; complete instruction 5’s list of §668.2 definitions changed; instruction 8’s scope revising §668.43(d), and selected replacement text. Printed locators 40280, 40282; HTML. Not the whole earnings-accountability regime.Published July 1, 2026; generally effective July 1, 2027, except instructions 13–14 effective August 31, 2026. The selected future definition changes do not rewrite the full-time/half-time definitions used here; instruction 8 concerns (d), not (a)(2)–(4). federalregister.gov +2
R077-P1-S032Congress/GPO, PL 117-103, Division R, FAFSA Simplification Act Technical Corrections Act. https://www.govinfo.gov/content/pkg/PLAW-117publ103/html/PLAW-117publ103.htmComplete §102(a)–(c), 136 Stat.819–820. Other divisions and substantive FAFSA formulas not completed. HTML.Enacted March 15, 2022. Authenticates changes to July 1, 2024/award year 2024–2025 and specified earlier-implementation conditions. Original PL 116-260 body retrieval failed; complete SAI replacement chain therefore remains partial. govinfo.gov
R077-P1-S033Congress/GPO, PL 116-260, Division FF, Title VII, discovery target only. https://www.govinfo.gov/content/pkg/PLAW-116publ260/html/PLAW-116publ260.htm ; https://www.govinfo.gov/content/pkg/PLAW-116publ260/pdf/PLAW-116publ260.pdf ; https://www.congress.gov/116/plaws/publ260/PLAW-116publ260.pdfNo successful original-body read: HTML size limit, PDF parse failure, and restricted alternate URL.Failed/discovery-only source; supports no substantive proposition. S032’s actual amendatory body and S016’s current guidance do not substitute for reading this missing original.
Source links captured in this table

Captured table 03

Claim ID · Supported proposition and consequential qualifications · Exact authority and scope · 21 data rows

Claim IDSupported proposition and consequential qualificationsExact authority and scope
C001The three selected core bodies were read completely. Their displayed currency is distinct from this investigation’s access date and from legal effectiveness. No exhaustive later-law or judicial certification follows.S001 complete §1091b and notes; S002 complete §§668.21–.22 and headers.
C002The 2025 rule’s selected amendments became generally effective July 1, 2026. Only the full-refund withdrawal exemption and eligible-prison-program LOA change were designated for early implementation beginning February 3, 2025. Availability of an optional exemption is not compulsory use of it.S014, Dates, Implementation V, instruction 12. govinfo.gov
C003FSA’s implementation announcement applies the new requirements to students who withdraw, cease attendance, or begin an approved LOA on or after July 1, 2026. An institution’s actual early-implementation decision is absent.S015, implementation paragraphs; G, subordinate to S014.
C004The handbook is official guidance for the displayed 2026–2027 edition. Its June 20, 2026 modification labels and older webpage publication dates are not enactment dates, and its operational explanations do not replace conflicting statutory or regulatory wording.S016, edition/footer and selected bodies.
C005§1091b concerns a recipient of covered Title IV grant or loan assistance who withdraws during a payment period or enrollment period in which attendance began; assistance under Part C is excluded. The selected FWS definition identifies FWS as the Title IV-C employment program.S001 §1091b(a)(1); S004 §668.2, FWS definition.
C006Current §668.22(a)(3) lists only Direct Loan, Pell, Iraq and Afghanistan Service Grant, TEACH, and FSEOG assistance. It excludes the nonfederal FSEOG share when matching is by the individual-recipient or aggregate method. The handbook includes both shares for a fund-specific match. Presence in the text does not establish current award availability.S002 §668.22(a)(3); S016 Ch.1, “FSEOG Program Funds.” ecfr.gov +1
C007§668.21 has a different express program list: Perkins, FSEOG, TEACH, Pell, ACG, and National SMART for its all-funds rule; FFEL and Direct Loan funds receive separate treatment. Its wording is not interchangeable with §668.22(a)(3).S002 §668.21(a)(1)–(2).
C008A “recipient” for §668.22 is a student for whom §668.164(j)(2)’s conditions have been met. That includes a processed official aid record before loss of eligibility and, for the specified programs, timely origination or award. Receipt of cash alone is not the definition.S002 §668.22(l)(4); S006 §668.164(j)(2).
C009The selected rules distinguish institution, student, and parent PLUS borrower. §668.2’s parent definition includes biological/adoptive parents and the specified stepparent circumstance; a participating institution must be eligible, meet Subpart B standards, and have a current participation agreement. The separate §668.2 “student” definition expressly limited to Subparts Q/S and §668.43(d) must not be imported into R2T4.S004 §668.2, complete selected definitions. Full institutional eligibility and parent-loan eligibility remain held.
C010Academic engagement requires active participation in an institution-defined instructional activity consistent with applicable accreditor/State requirements. Covered examples include interactive class attendance, assignments, examinations, interactive instruction, assigned group/discussion activity, and academic interaction with an instructor. Housing, meal-plan use, logging in without participation, and academic counseling/advisement alone are excluded.S003 §600.2, “Academic engagement,” complete definition.
C011For §668.22, academic attendance/activity must include academic engagement; the institution must determine and document it. A student’s unsupported certification is insufficient. This is an evidentiary rule, not a finding that any absent record proves misconduct.S002 §668.22(l)(7).
C012A modular program uses a standard or nonstandard-term calendar, is not subscription-based, and has a course or courses shorter than the full period. “Substantially equal” permits no term more than two instructional weeks longer than another. Nonstandard status depends on the incorporated §690.63(a)(1)–(2) calendar tests.S002 §668.22(l)(5)–(8); S004 §668.4(h); S005.
C013A subscription program charges by subscription for each term with an expected credit quantity; coursework need not start/end within that term. Enrollment status is established for the program, changeable no more than once per academic year. Subsequent-disbursement credit requirements aggregate applicable status-based credits for attended terms, excluding the current and most recently attended terms; less-than-half-time terms use at least one credit or equivalent.S004 §668.2, complete “Subscription-based program.” This definition does not establish anyone’s entitlement.
C014Full-time is an institution-determined, uniformly applied workload subject to the applicable minimum and course-repeat rules. Half-time generally means at least half the applicable full-time minimum, with a separate sole-correspondence rule. The complete category-dependent numerical standards are recorded in M031–M032; a familiar “six credits” shorthand is not universal.S004 §668.2, complete full-time and half-time definitions. ecfr.gov
C015Credit hours and clock hours are distinct legal units. Credit-hour equivalence permits different delivery methods/calendars but requires the defined institutional/accreditor framework. Clock-hour definitions include specified instructional-minute and monitored-distance-activity conditions. Certain undergraduate credit-hour programs require the separate §668.8(k)–(l) conversion unless a stated exception applies.S003 §600.2; S004 §668.8(k)–(l); M033–M034. No program conversion performed.
C016An award year runs July 1–June 30. An academic year is an instructional/hours construct under §668.3, with a conditional Secretary-approved reduced-week route. These terms cannot be substituted for one another in the disaster waiver or period calculation.S003 “Award year”; S004 complete §668.3; M035.
C017For eligible credit-hour programs using standard terms or substantially equal nonstandard terms, §668.4(a) makes the academic term the payment period. Unequal nonstandard terms use different grant/Perkins and FFEL/Direct Loan definitions.S004 §668.4(a)–(b), subject to unresolved (d).
C018In the specified unequal-term loan, nonterm-credit, and clock-hour categories, payment periods depend on successful completion of both hours and weeks, using the program, academic year, or remaining portion as the prescribed base. Remaining portions at or below half an academic year receive different treatment from portions above half. If completion of half the hours cannot be determined under (c), the later of half the coursework and half the weeks governs. Excused clock-hour absences require written policy and the least of the applicable accreditor, State, and 10% limits.S004 §668.4(b)(2), (c), (e), (h)(2); M036–M037.
C019For §668.4(c) programs, same-program reentry within 180 days keeps the same payment period, subject to stated agency/lender conditions. Reentry after 180 days or transfer generally creates new periods from remaining hours/weeks. Same-institution transfer may retain the period only with continuous enrollment, substantially similar coursework, substantially equal hours/weeks, little or no charge change, and acceptance of credits.S004 §668.4(f)–(g), all nested conditions.
C020R2T4 uses a payment period for standard-term programs. Nonterm and nonstandard-term programs may use payment period or enrollment period, but must use the selected basis consistently within each specified category—students attending from the beginning, reentering students, and transferring students—in the same program.S002 §668.22(e)(5)(i)–(ii), (l)(2).
C021For unequal nonstandard terms where payment-period treatment is chosen, aid under both §668.4(b)(1) and (b)(2) requires use of the period ending later, including attributable aid from overlapping periods. If aid uses only one definition, that definition controls.S002 §668.22(e)(5)(iii).
Source links captured in this table

Captured table 04

Claim ID · Supported proposition and qualifications · Exact authority and scope · 8 data rows

Claim IDSupported proposition and qualificationsExact authority and scope
C022If the student does not begin attendance in the relevant payment/enrollment period, the institution must return all listed Perkins/grant funds credited to the institutional account or disbursed directly to the student for that period. The rule does not use the withdrawal earned-percentage calculation.S002 §668.21(a)(1). ecfr.gov
C023For FFEL/Direct funds, the institution must return all loan funds credited to the institutional account and payments made directly by or on behalf of the student to the institution for the period, up to the total loan funds disbursed. These are different payment categories; the text does not establish an actual balance.S002 §668.21(a)(2)(i)(A)–(B).
C024For remaining FFEL/Direct amounts disbursed directly to the student, the institution ordinarily is not responsible for returning those amounts, but must immediately notify the lender or Secretary upon awareness that attendance will not or did not begin, so the referenced final-demand process can occur. The section expressly includes specified study-abroad/foreign-school disbursements, but the current §682.207 subclauses could not be retrieved.S002 §668.21(a)(2)(ii); S009/S011 for demand rules. Foreign-disbursement mechanics remain partial.
C025The preceding institutional nonresponsibility does not apply where the institution knew before making the direct FFEL/Direct disbursement that attendance would not begin: it must return those funds.S002 §668.21(a)(2)(iii). Knowledge and sequence are absent.
C026For §668.21, inability of the institution to document attendance at any class during the relevant period results in the Secretary treating attendance as not begun. This is not a rule that missing one class establishes nonattendance, nor proof that any attendance establishes all underlying aid eligibility.S002 §668.21(c).
C027Institutional returns under §668.21 must occur as soon as possible and no later than 30 days after institutional awareness. Deposit/transfer, EFT initiation, FFEL adjustment transaction, and check routes have distinct specified acts. A check fails the rule if issued after day 30 or endorsed by the Secretary/lender’s bank after day 45.S002 §668.21(b), (d); S006 §668.163(a)–(b) for the referenced institutional account.
C028The incorporated FFEL route requires lender learning and substantiation of the specified ineligibility circumstances. Its nonattendance branch includes withdrawal/expulsion before classes or failure to attend and unpaid/unreturned proceeds. The demand concerns the ineligible principal plus specified accrued interest; the 30-day mailing-triggered response/payment rule and conditional consequences are not proof of actual default.S011 §682.412(a)–(e), §682.411(f). Broad collection/default-claim procedures remain held.
C029The Direct Loan cross-reference requires a Secretary determination under §685.211(e), with its own enumerated ineligibility predicates. The demand is for ineligible principal and accrued interest within 30 days after mailing; failure has the specified default consequence. No inference of false information, fraud, ineligibility, mailing, or noncompliance is permissible from this generic framework.S009 §685.211(e)(1)–(4).
Source links captured in this table

Captured table 05

Claim ID · Supported proposition and qualifications · Exact authority and scope · 24 data rows

Claim IDSupported proposition and qualificationsExact authority and scope
C030Subject to all exceptions, credit-hour withdrawal includes failure to complete all scheduled days; clock-hour withdrawal includes failure to complete all scheduled clock hours and weeks of instructional time. Attendance must first have begun for §668.22(a)(1).S002 §668.22(a)(1), (a)(2)(i)(A)–(B).
C031Standard/nonstandard-term programs other than subscription programs have a withdrawal condition when no further course is scheduled for more than 45 calendar days after the end of the ceased-attendance module. Nonterm/subscription programs use inability to resume for more than 60 calendar days after cessation. Approved LOA is an express exception.S002 §668.22(a)(2)(i)(C)–(D).
C032Completing all program graduation requirements before completing scheduled days/hours is an express nonwithdrawal category. Mere completion of some coursework is not that category.S002 §668.22(a)(2)(ii)(A)(1).
C033In a modular program, successful completion of one module or combined modules containing at least 49% of payment-period days—excluding scheduled breaks of at least five consecutive days and all days between modules—or successful completion of at least the institution’s applicable half-time coursework provides a nonwithdrawal route.S002 §668.22(a)(2)(ii)(A)(2); S004 §668.2.
C034The handbook’s 49% test uses the applicable payment-period/program calendar, not the separate individualized R2T4 denominator. It excludes all between-module days, counts overlapping days once, addresses intersessions and home-institution consortium calendars, and does not permit rounding a result below 49% up to eligibility.S016 Ch.1, complete selected module-exemption discussion. G; actual calendar/classification absent.
C035Written confirmation must be obtained at the time the student otherwise would be a withdrawal. Modular return must be in the same payment/enrollment period; the standard/nonstandard non-subscription route also requires the later module to begin within 45 calendar days after the prior module ends. Subscription confirmation requires same-period return within 60 calendar days; nonterm confirmation uses the stated 60-calendar-day limit.S002 §668.22(a)(2)(ii)(A)(3)–(5).
C036A confirmed return date may be changed in writing before the previously confirmed date, subject to the same-period and 45/60-day conditions. Failure to return as scheduled makes the student a withdrawal, with withdrawal date and denominator determined as if the confirmation had not been given.S002 §668.22(a)(2)(ii)(B)–(C).
C037Same-program modular reentry before the period ends can restore eligibility for prior eligible assistance, including returned funds, only subject to Secretary conditions and enrollment status supporting the full amount. Clock/nonterm same-program reentry within 180 calendar days invokes the same-period rule and its conditions.S002 §668.22(a)(2)(iii); S004 §668.4(f).
C038The full-refund exemption requires all of: records treating the student as never having attended that period; return of all disbursed Title IV grant/loan assistance including student/parent credit balances; refund of all institutional charges for the period; and cancellation/write-off of the period balance owed because of the institution’s return of aid to ED.S002 §668.22(a)(2)(ii)(A)(6)(i)–(iv). ecfr.gov
C039ED describes this exemption as optional, usable under institutional policy, and distinct from actual §668.21 nonattendance. Initial aid eligibility and attendance documentation must be retained. Continued attendance in non-Title-IV courses prevents the required never-attended treatment. The exemption is not a general cancellation of every obligation.S014 full-refund discussion; S015 complete exemption explanation.
C040An institution is required to take attendance for this purpose if an outside entity requires it, the institution requires instructors to do it, or an institution/outside requirement can be met only through attendance-taking or a comparable process.S002 §668.22(b)(3)(i).
C041A requirement for only some students applies to those students. A requirement for a limited period applies during that period; a student present at the last required attendance-taking who later ceases attendance is treated under the nonrequired category. A requirement on only one census-reporting day does not by itself make the institution attendance-required.S002 §668.22(b)(3)(ii)–(iv).
C042For attendance-required students, the withdrawal date is the last academic-attendance date from institutional records, including failed/unapproved LOA cases. The institution must document that date within 14 days of last attendance and maintain the documentation as of determination. ED explains that this is a documentation requirement, not automatic administrative withdrawal after an absence.S002 §668.22(b)(1)–(2); S014 attendance-documentation discussion; S015.
C043At a nonrequired institution, official withdrawal uses the date the prescribed process began or official oral/written notification occurred. If both occur, the earlier date applies unless a later academically related activity date is properly used.S002 §668.22(c)(1)(i)–(ii), (c)(2)(ii), (c)(3).
C044Without official notification, the regulatory starting rule is the period midpoint. If illness, accident, grievous loss, or another circumstance beyond the student’s control prevented the process/notice, including notice by someone acting for the student, the institution may determine a date related to that circumstance. No circumstance is established here.S002 §668.22(c)(1)(iii)–(iv); S001 §1091b(c).
C045An institution may permit rescission of official withdrawal through a written statement of continued academic participation and intent to complete. Later cessation negates that rescission and restores the original date unless a later activity date is properly established.S002 §668.22(c)(2)(i).
C046A nonrequired institution may use documented last attendance at an academically related activity notwithstanding its general date rules. Both the academic nature of the activity and attendance must be documented. The statute’s unofficial-withdrawal clause expressly describes midpoint or a later documented date; the regulation’s (c)(3) wording is broader. No judicial reconciliation is supplied.S002 §668.22(c)(3); S001 §1091b(c)(1)(A)(iii).
C047Official notification must reach an institution-designated office; the institution must designate one or more readily contactable offices. The date and basis must be documented and retained as of determination. This establishes no actual notice or delivery.S002 §668.22(c)(4)–(5).
C048For nonrequired institutions, determination date is: official withdrawal—later of withdrawal date or notification; unofficial—awareness of cessation; failed approved LOA—earlier of leave end or notice of nonreturn; negated rescission—awareness the period was/will not be completed; unapproved LOA—leave start. These are not a universal definition for every attendance-required situation.S002 §668.22(l)(3)(i)–(v).
C049A nonrequired institution must determine the withdrawal date for an unnotified withdrawal no later than 30 days after the earliest ending of the applicable payment/enrollment period, academic year, or educational program. This is distinct from the return deadline.S002 §668.22(j)(2).
C050An approved LOA requires a formal written/publicized policy; student compliance; reasonable expectation of return; approval under the policy; no additional institutional charges; the duration limit; the applicable coursework-return rule; and preapproval explanation to loan recipients of failure-to-return effects, including possible grace-period exhaustion.S002 §668.22(d)(1), (d)(3)(iii); S001 §1091b(a)(2).
C051Total approved LOA days must not exceed 180 in any 12-month period. The first day of the initial leave begins the counting and the 12-month period. A signed, dated, reason-stating request generally precedes leave; unforeseen circumstances permit later collection if the institution documents its decision.S002 §668.22(d)(1)(vi), (d)(3); M012.
C052The coursework-resumption condition has express exceptions for clock-hour, nonterm-credit, subscription, and eligible prison education programs. The prison-program addition changes that condition only; the remaining LOA requirements still apply. Qualification as an eligible prison program is independently conditioned and not established.S002 §668.22(d)(1)(vii); S014 prison-program discussion; S031.
C053Failure to resume attendance at or before approved-leave end requires withdrawal treatment. For nonrequired institutions, failed or unapproved leave generally uses leave start as the withdrawal date; attendance-required institutions use their last-attendance records.S002 §668.22(d)(2), (b)(1), (c)(1)(v)–(vi).
Source links captured in this table

Captured table 06

Claim ID · Supported proposition and qualifications · Exact authority and scope · 27 data rows

Claim IDSupported proposition and qualificationsExact authority and scope
C054Earned assistance is the earned percentage applied to qualifying assistance disbursed and that could have been disbursed for the selected period, measured as of the withdrawal date. This base is not simply cash in the student’s possession.S001 §1091b(a)(3)(A); S002 §668.22(e)(1).
C055Credit-hour completion uses calendar days completed in the selected period divided by total included calendar days in that period, as of the withdrawal date, with the regulatory exclusions. It does not use credits passed as its R2T4 fraction.S002 §668.22(f)(1)(i), (f)(2).
C056Clock-hour completion uses hours scheduled since the student began attendance in that payment/enrollment period, through withdrawal, divided by total clock hours in that period. The schedule must predate the beginning class date, match published program materials unless modified before withdrawal, and meet applicable accreditor/State standards. It is not an actual-hours-attended fraction.S002 §668.22(f)(1)(ii)(A)–(C); S014 clock-hour amendment.
C057Scheduled breaks of at least five consecutive days are excluded from both completed and total calendar days. The total excludes approved-LOA days and qualifying modular breaks when no module/other course is scheduled. Under current (l)(9), module days become scheduled only when attendance in that module begins. The 49% exemption uses its separately stated exclusions.S002 §668.22(f)(2), (l)(9), contrasted with (a)(2)(ii)(A)(2).
C058At or before the 60% point, the earned percentage is the completed fraction. After 60%, it is 100%. Equality at 60% does not satisfy “after.” The unearned percentage is the complement of the earned percentage.S001 §1091b(a)(3)(B)–(C); S002 §668.22(e)(2)–(3).
C059Handbook rounding uses dollars/cents to the nearest penny; final return/PWD amounts may be rounded to the nearest dollar, but no upward disbursement rounding may exceed annual/aggregate/lifetime limits. Fractions are calculated to four decimal places and rounded to three, with fourth digit at least five rounding upward; the specific greater-than-60% exception prevents a fraction just over 60% from being rounded down to 60%.S016 Ch.1, “Rounding.” G; no calculation performed. 2026-2027 Federal Student Aid Handbook
C060The handbook uses net loan amounts for disbursed and potentially disbursable aid. Aid disbursed by determination is generally included, but inadvertent disbursement after cessation and before determination is classified as potentially disbursable. Undisbursed grants may not simply replace loans already disbursed.S016 Ch.2 Part1, Step 1. Underlying disbursement definition and deemed dates: S006 §668.164(a).
C061§668.164(j)(2) requires the processed official aid record and program-specific origination/award before the student becomes ineligible. The handbook additionally explains the signed-note condition by calculation time, the effect of declining/failing an institutional affirmative-confirmation process, period limits, and Pell lifetime/Direct Loan aggregate limits. The regulation still says EFC; the current handbook says SAI.S006 §668.164(j)(1)–(2); S016 Step 1 and funds-limit headings; discrepancy C107.
C062Counting aid as potentially disbursable does not establish that it may be paid after withdrawal. §668.164(j)(4) prohibits late disbursement after the outer 180-day limit; prohibits a second/subsequent Direct disbursement absent successful completion of its loan period; imposes the first-year/first-time limitation unless an exemption applies; and requires a valid SAR/ISIR by the separately published deadline.S006 §668.164(j)(4), complete. Annual deadline notice not selected because no award year/application is supplied.
C063The first-year/first-time Direct Loan restriction concerns the defined prior-loan history and the first 30 days of the program. Its institutional exceptions depend on the exact cohort-rate categories, fiscal-year sets, strict percentages, loan-disbursement date, study-abroad role, and later Secretary notification stated in §685.303(b)(5). None is inferred from a school label or asserted rate.S010 §685.303(b)(5)(i)–(iii); M026. Full cohort-rate calculation rules held.
C064Under §668.22, compare earned assistance with assistance disbursed as of determination: excess disbursed assistance is the return amount; excess earned assistance enters the PWD route. Where earned is less than disbursed, no additional disbursement for that period is permitted. Equality creates neither difference under those clauses.S002 §668.22(a)(4)–(5), (e)(4).
C065The statutory “amount not earned” clause applies the unearned percentage to disbursed plus potentially disbursable aid as of withdrawal. Regulatory (e)(4) defines the amount to be returned as aid disbursed as of determination minus earned aid. These are not interchangeable expressions. Statutory (a)(4)(B) also addresses received assistance exceeding earned assistance. No silent algebraic harmonization or validity conclusion is made.S001 §1091b(a)(3)(C), (a)(4)(B); S002 §668.22(e)(4).
C066The institution’s regulatory return is the lesser of the total unearned amount to be returned and institutional charges for the selected period multiplied by the unearned percentage. Student grant protection does not reduce this institutional formula.S002 §668.22(g)(1); compare S001 §1091b(b)(1).
C067Institutional charges include tuition, fees, institution-contracted room/board, and other assessed educationally related expenses. For a nonterm program calculated by payment period but charged over a longer period, the charge base is the greater of prorated longer-period charges or Title IV assistance retained for institutional charges as of withdrawal.S002 §668.22(g)(2)–(3); S006 §668.164(c)(5).
C068The handbook generally uses charges initially assessed, adjusted for legitimate changes before withdrawal, not subsequent refund-driven reductions. Other aid paying charges does not by itself reduce the charge base. Ledger placement alone does not decide whether a charge is institutional. These ordinary-calculation statements must be read subject to the separate full-refund exemption.S016 Ch.1, institutional-charge headings; S002 §668.22(a)(2)(ii)(A)(6).
C069Official charge guidance addresses required materials with no real/reasonable unaffiliated purchase option; requires documentation for claimed alternatives; and provides a conditional documented-cost exclusion for nonreturnable equipment or equipment not returned in good condition within 20 days. A reasonable, consistent, fair policy disclosed at enrollment is necessary; declaring all used items nonreturnable is not sufficient. Application fees, specified continuing insurance, discretionary charges, and refundable damage deposits receive distinct treatment.S016 Ch.1, complete institutional/noninstitutional, equipment-return, and alternative-purchase headings. G; no actual policy inspected.
C070Crediting a PWD is constrained by §668.164(c), not merely by an account balance. Current-period tuition/fees/institutional room-board and properly authorized educational goods/services are distinguished. Book/supply inclusion has alternative conditions; prior-year charges are capped at $200 with “current year” determined by loan/award-year rules. Prior current-year unpaid allowable charges require eligibility in that period.S006 §668.164(c)(1)–(5), §668.165(b); M029.
C071The student-side amount is the total unearned amount to return minus the institution’s required return. This is a program allocation, not proof of a school’s enforceable receivable.S002 §668.22(h)(1)–(2); S001 §1091b(b)(2)(A).
C072Loan amounts allocated to the student—or parent for parent PLUS—are repaid according to loan terms. Grants are treated as overpayments subject to the selected protection and repayment provisions. A grant and a loan do not acquire identical immediate payment treatment.S002 §668.22(h)(3); S001 §1091b(b)(2)(B).
C073Regulatory grant protection excludes the portion at or below 50% of total grants disbursed plus potentially disbursable for the period. After applying it, an overpayment of $50 or less for a grant program, which is not a remaining balance, is not required to be returned. This is not a $50 write-off of a larger balance reduced through payments.S002 §668.22(h)(3)(ii)(A)–(B); S023 explanation.
C074The statute states 50% of total grant assistance received and a minimum exception for amounts of $50 or less. The regulation adds “could have been disbursed,” program-specific wording, and the nonremaining-balance qualification. These textual differences are preserved.S001 §1091b(b)(2)(C); S002 §668.22(h)(3)(ii); S020 §8022.
C075The institution must send a withdrawal-related grant-overpayment notice within 30 days of determination. The student-side eligibility-preserving window uses the earlier of 45 days after notice is sent or 45 days after it was required to be sent, with repayment or the specified agreement during that window. This is a sending-based rule, not a receipt presumption.S002 §668.22(h)(4)(i)–(ii).
C076An institution choosing a repayment agreement must permit repayment while maintaining eligibility and require full repayment within two years of determination. Referral is required for failure to act within the window, breach of the institutional agreement, or election of a Secretary agreement. The specified loss/regaining of eligibility is conditional; it is not an actual award determination.S002 §668.22(h)(4)(iii)–(vi), complete.
C077Disaster waiver is discretionary with the Secretary and requires the specified residence/employment/institution location, a presidential major-disaster declaration, disaster-caused interruption, and temporal condition. The statute says withdrawal “ended” within the academic year or next; the regulation says withdrawal “occurred” within the award year or next. The 2006 preamble explains its award-year choice; it does not erase the textual difference. The waiver concerns student grant returns, not institutional returns.S001 §1091b(b)(2)(D)–(E); S002 §668.22(h)(5); S013; S018–S019; S023–S024.
C078Current regulatory returns are credited to outstanding balances for the relevant period in this order: unsubsidized Direct Stafford; subsidized Direct Stafford; Direct PLUS received on behalf of the student; then Pell; Iraq and Afghanistan Service Grant; FSEOG; TEACH. Remaining-grant ordering follows repayment of the specified outstanding loan amounts.S002 §668.22(i)(1)–(2).
C079Statutory ordering separately lists §1078-8 loans, §1078 loans, unsubsidized nonparent Direct loans, subsidized Direct loans, Part E loans, §1078-2 loans, and parent Direct loans; then Part A subparts 1 and 3 and other covered assistance. That statutory list is retained separately from the narrower current regulation; it does not prove current origination availability for every listed program.S001 §1091b(b)(3), complete.
C080The institution’s withdrawal return must be made as soon as possible and no later than 45 days after determination. §668.173(b) specifies the qualifying deposit/transfer/EFT/adjustment/check acts; a check fails if issued after day 45 or bank-endorsed after day 60. This is distinct from §668.21’s 30/45 framework.S001 §1091b(b)(1); S002 §668.22(j)(1); S007 §668.173(b).
Source links captured in this table

Captured table 07

Claim ID · Supported proposition and qualifications · Exact authority and scope · 12 data rows

Claim IDSupported proposition and qualificationsExact authority and scope
C081PWDs use available grant funds before loan funds. Grant PWDs may be credited up to outstanding allowable charges; loan PWD credits require borrower confirmation in addition to allowable-charge rules.S002 §668.22(a)(6)(i), (ii)(A); S006 §668.164(c).
C082Grant PWD amounts not credited to the account must be disbursed directly as soon as possible and no later than 45 days after determination. This is different from the loan-confirmation process.S002 §668.22(a)(6)(ii)(B)(1).
C083Within 30 days of determination, the institution must provide written loan-PWD notification to the student or parent PLUS borrower identifying type/amount, requesting confirmation for credit/direct payment, explaining partial acceptance/declination, possible institutional concurrence for redirecting declined account credits, repayment obligation, and response consequence.S002 §668.22(a)(6)(iii)(A)(1)–(5), complete; S001 §1091b(a)(4)(A).
C084The loan-PWD response period is 14 days from sending, or a later institutional deadline. The same deadline applies to account-credit and direct-payment confirmation. This is not an automatic right to receive declined account-credit funds directly.S002 §668.22(a)(6)(iii)(A)(3), (A)(5), (B).
C085A timely confirmation requires disbursement in the specified manner as soon as possible, no later than 180 days after determination, subject to the other late-disbursement prohibitions and valid underlying eligibility.S002 §668.22(a)(6)(iii)(C); S006 §668.164(j)(4).
C086A late response may be honored only on the stated basis, including disbursing all accepted funds, or declined. A late-response denial must be communicated in writing. No response permits no loan PWD. Notification results and final decision must be documented.S002 §668.22(a)(6)(iii)(D)–(F), (iv).
C087Late disbursement is broader than withdrawal: §668.164(j)(3) separately addresses completed periods and students who cease half-time enrollment without withdrawing. Those categories cannot be relabeled as PWDs. For clock/nonterm programs, Pell/TEACH later-period payment also requires completion of the preceding paid period and other program prerequisites.S006 §668.164(j)(3); S034 §690.75(a), §686.31(a).
C088Written authorizations under §668.165(b) must be voluntary, explain the activity/time period, and permit cancellation/modification. The ordinary §668.165(a) notification/cancellation framework expressly distinguishes §668.22 PWDs; its ordinary periods must not be substituted for the PWD periods. Authorization to retain credit balances has its own limits.S006 §668.165(a)–(b), complete selected body.
C089Required consumer information separately identifies the institution’s refund policy, official withdrawal procedure, and a summary of R2T4 requirements. The federal disclosure obligation is not evidence of any particular policy’s terms or compliance.S002 §668.22(k); S008 §668.43(a)(2)–(4).
C090For Direct Loans, the Secretary applies an institutional refund/return received under §668.22 against outstanding principal and notifies the borrower. This is a crediting rule; it does not establish discharge of the entire loan or the amount of any remaining obligation.S009 §685.211(c), complete.
C091Ordinary Title IV return, institutional tuition refund, and a possible institutional receivable are separate legal questions. The full-refund exemption is an express narrow exception requiring cancellation of the specified return-created institutional balance. Neither ordinary return nor the exemption resolves unrelated contracts, charges, debts, or private enforcement.S002 §§668.21, 668.22(g)–(h), (a)(2)(ii)(A)(6); S008; S016 introductory distinctions.
C092The selected bodies do not determine private-loan liability, general discharge/cancellation, bankruptcy, credit reporting, collection status, dependency/PLUS underwriting, cosigner obligations, State protections, or an individual refund/payment strategy. These are outside this component, not presumed unavailable.Scope conclusion from complete S001–S002 and the bounded cross-references; exact next inquiries appear below.

Captured table 08

Claim ID · Supported proposition and qualifications · Exact authority and scope · 20 data rows

Claim IDSupported proposition and qualificationsExact authority and scope
C093PL 105-244 §485 rewrote HEA §484B with a specific implementation provision two years after enactment and optional earlier compliance. The 1999 rule separately states July 1, 2000 effectiveness, October 7, 2000 mandatory implementation, and permitted November 1, 1999 early implementation of the entire package for all subsequent withdrawals without reversion.S017 §485(e), §3; S021 Dates/Implementation. Historical, not present deadlines.
C094The two September 21, 2005 Acts added the separate Pell and other-grant student-return disaster waivers using the statutory academic-year/“ended” language.S018–S019, complete enacted bodies.
C095PL 109-171 §8022 introduced the relevant scheduled-clock-hour, multiple-LOA, loan-confirmation, 45-day institutional return, and 50%/$50 grant-protection amendments; §8001(c) supplies July 1, 2006 effectiveness absent another provision.S020, complete selected clauses.
C096The 2002 rule amended selected LOA and related provisions, with July 1, 2003 effectiveness and permitted November 1, 2002 early implementation. Current LOA treatment comes from the current text and later amendments, not this historical version alone.S022 instruction 11 and Dates.
C097The 2006 interim/final instruments implemented the selected statutory changes. The final instrument changed disaster wording from “ended” to “occurred” while retaining award-year treatment. The preamble explains award-year treatment because relevant grants are awarded by award year.S023 instruction 13/preamble; S024 instruction 4.
C098The 2007 rule supplies the complete nonattendance return structure and the material loan-PWD confirmation/timing revision read here; it became effective July 1, 2008 with permitted earlier implementation.S025 instructions 5 and selected complete PWD amendment.
C099The 2008 selected amendments added TEACH treatment to §§668.21–.22; their July 1, 2008 effective date does not establish the full current TEACH service/repayment regime.S026 instructions 8–9 and Dates.
C100The 2010 rule materially revised attendance requirements and withdrawal organization and renumbered relevant paragraphs. Its selected provisions became effective July 1, 2011.S027 instruction 18 and Dates.
C101The actual 2015 amendatory body places late-disbursement rules in §668.164(j), effective July 1, 2016. Current (i) instead concerns early disbursements.S028 selected complete (j); S006 current (i)–(j).
C102The 2020 rule added/revised the modular and subscription withdrawal routes and definitions, with July 1, 2021 effectiveness and September 2, 2020 permitted early implementation. Its former module-scheduling rule was later replaced by the 2025 amendment.S029 instruction 20; S014 instruction 12.
C103The 2025 final rule adopted the full-refund exemption, attendance-documentation, prison-program LOA, clock-hour, and module changes. It did not finalize the proposed ordinary-note treatment for never-attending loan recipients or the proposed general distance-education attendance mandate. A proposal is not current operative text.S014 complete relevant preamble sections and instruction 12.
C104Current §668.22(a)(5) points to §668.164(i). Actual 2020 instruction 20(g) made that change, while instructions 20(i)–(j) changed §668.22(l)(1)/(4) to §668.164(j). The mismatch is authenticated, not repaired by assumption. The independently read current (j) supplies the expressly labeled late-disbursement rules.S002 (a)(5), (l)(1)/(4); S029 instruction 20(g), (i)–(j); S006.
C105Other numbering issues remain: §668.164(j)(3)(i) references §668.22(a)(4)/(5), while current PWD treatment is in (a)(5)/(6); §668.22(a)(6)(iii)(A)(5) points to (C) for a late response, while (D) contains the late-response choice. Each operative adjacent clause was read; no claimed official correction was found/read.S006 §668.164(j)(3)(i); S002 §668.22(a)(6)(iii)(A)(5), (C)–(D).
C106§668.4(d) invokes §682.604(c)(10) and §685.301(b)(8). Those paragraphs are not present in the current target bodies inspected. Application of that payment-period exception therefore remains unresolved; no replacement provision is silently substituted.S004 §668.4(d); S010 §685.301(b); S011 §682.604.
C107Current regulation says official EFC; the 2026–2027 handbook uses official SAI. PL 117-103 §102’s actual text authenticates the delayed implementation dates and limited early treatment, but the original PL 116-260 body failed retrieval. The complete substantive replacement/application chain is therefore partial.S006 §668.164(j)(2)(i); S016 Step1; S032; S033 failure.
C108The encountered 2026 future rule generally takes effect July 1, 2027, with separate August 31, 2026 instructions. Its inspected definition-change list and §668.43(d) instruction do not replace the selected current full-time/half-time definitions or §668.43(a)(2)–(4). The broader rule was not investigated.S030 Dates, instructions 5 and 8.
C109Source failures and differing compilation dates limit certification. No failure proves repeal, absence of law, defective credentials, or an operational/model limit. No exhaustive review of uncodified special relief, later amendments, judicial treatment, or actual implementation is claimed.Source/failure registers; S001–S034 read bounds.
C110“Eligible prison education program” has cumulative program/institution, oversight approval, credit-transfer, adverse-action, licensing/employment, and exception predicates in §668.236. The LOA carveout does not establish those predicates or dispense with the rest of the LOA rule.S031 complete (a)–(c); S002 §668.22(d)(1)(vii). Incorporated qualification regimes held.
C111The master-calendar statute generally postpones regulatory changes not final by November 1 before the relevant award year until the prescribed later award year; it permits the Secretary to designate earlier implementation through a Federal Register notice with conditions/timing. An institution’s election has effect under those designated terms.S012 §1089(c)(1)–(2), complete.
C112FSA’s 2026 announcement instructs calculation within 30 days after withdrawal determination and return within 45 days; the general calculation statement is agency instruction. Current §668.22’s express 30-day provisions have their own particular subjects, including unofficial determination, loan-PWD notice, and grant-overpayment notice. The 14-day attendance provision concerns documentation.S015; S002 §668.22(b)(2), (a)(6)(iii), (h)(4)(ii), (j).

Captured table 09

ID · Comparison · Supported distinction and cumulative conditions · 16 data rows

IDComparisonSupported distinction and cumulative conditionsClaim/source links; coverage
D01Nonattendance versus withdrawal§668.21 concerns no beginning attendance in the relevant period and has program-specific return rules. §668.22 requires beginning attendance and then a legally defined withdrawal, unless an exception applies.C005–C007, C022–C030; S001–S002. Answered; application held.
D02Actual nonattendance versus optional full-refund exemptionThe exemption can address a student who began attendance, but only with all four statutory-regulatory conditions and the institution’s optional use. Retaining evidence of initial eligibility/attendance is compatible with the special record treatment.C026, C038–C039; S002/S014/S015.
D03Withdrawal date versus determination dateThe former drives earned-aid timing; the latter starts several institutional return/PWD/notice clocks. The nonrequired-institution definition lists different determination events by category.C042–C049, C054, C080–C086; S002.
D04Attendance-required versus nonrequiredRequired status can come from outside or institutional requirements and may be limited by students/time. Required institutions use attendance records; nonrequired institutions have official, midpoint, circumstances, and documented-activity rules.C040–C048; S002.
D05Payment period versus enrollment periodStandard-term R2T4 is payment-period based. Nonterm/nonstandard programs have a consistent-category choice. Underlying payment-period definitions and unequal-term overlapping aid can change the relevant base.C017–C021; S002/S004. Partial as to stale §668.4(d).
D06Credit hours versus clock hoursCredit-hour R2T4 uses included calendar days. Clock-hour R2T4 uses scheduled hours since actual beginning in that selected period. Successful completion of hours/weeks for payment-period progression is a separate test.C015, C018, C055–C057; S002–S004.
D07Modular 49% exemption versus 60% earned-aid boundaryThe former is a successful-completion nonwithdrawal test with its own denominator/exclusions. The latter determines earned percentage after withdrawal is established. Equality and rounding differ.C033–C034, C057–C059; S002/S016.
D08Earned assistance versus payable PWDPotentially disbursable aid can increase the earned base without being legally payable after withdrawal. Origination, note, prior-period completion, timing, valid aid-record, and other eligibility conditions remain.C054, C060–C064, C081–C087; S006/S010/S016/S034.
D09Institution versus student/parentInstitutional return uses the lesser-of formula. Student responsibility is residual. Parent responsibility attaches to the specified parent-borrowed loan category, not to all student assistance.C066–C076; S001–S002.
D10Grant versus loanGrants have overpayment protections and specified agreement/eligibility treatment. Allocated loan amounts follow loan terms. Loan PWD requires confirmation; direct grant PWD has a different duty/deadline.C072–C086; S001–S002.
D11Return to program versus tuition refund or school debtReturn is a federal aid allocation. Refund policy and private liability require separate authority/facts. The optional exemption expressly requires a defined refund and write-off; ordinary returns do not.C038, C067–C070, C089–C091; S002/S008/S016.
D12Mandatory effective date versus optional early implementationJuly 1, 2026 applicability and the two designated February 3, 2025 early provisions must be distinguished from earlier historical implementation regimes. No actual institutional election is established.C002–C003, C093–C103, C111; S012/S014/S015/S017–S029.
D13Statute versus regulationBoth are read directly. Differences in unearned bases, grant-protection wording, disaster periods, program lists, and unofficial-date wording are retained. No judicial reconciliation is inferred.C046, C065, C074, C077–C079. Partial/unresolved reconciliation.
D14Regulation versus manualNet-loan entry, rounding, charge interpretation, and operational instructions are labeled guidance. The manual’s SAI terminology does not silently amend the retrieved EFC text.C004, C059–C061, C068–C070, C107, C112.
D15Notice sent versus notice received versus paymentPWD response and grant-overpayment windows use specified sending events; final demands use mailing; return methods use specified institutional/bank acts. None supplies an actual receipt or due date.C027–C029, C075, C080, C083–C086; S002/S007/S009/S011.
D16Program return versus collection/reliefA principal credit, note-based repayment rule, or conditional demand consequence does not establish collection status, discharge, a receivable, credit damage, or an appropriate financial action.C028–C029, C072, C090–C092.

Captured table 10

ID · Quantity, unit, actor/base, and boundary · Trigger, cumulative conditions, exceptions, convention · 42 data rows

IDQuantity, unit, actor/base, and boundaryTrigger, cumulative conditions, exceptions, conventionAuthority / claims
M001All listed nonattendance grant/Perkins funds; FFEL/Direct credited funds plus qualifying payments up to total loan disbursedRelevant payment/enrollment period; separate direct-to-student and prior-knowledge branches. No arbitrary dollar input.§668.21(a); S002; C022–C025
M002Institutional nonattendance return ≤30 days; check endorsement ≤45 daysAwareness attendance will not/did not begin; act ASAP. Check issuance and bank endorsement are separate conditions; no actual awareness date.§668.21(b),(d); C027
M003Incorporated ineligible-loan demand 30 days after mailing; specified accrued-interest periods and subsequent quarterly adjustmentOnly after respective lender substantiation/Secretary determination. FFEL accounting includes specified prior interest/special-allowance treatment; not a universal borrower grace period.§§682.412(a)–(e), 685.211(e); S009/S011; C028–C029
M004More than 45 calendar days creates specified gap condition; confirmed later module ≤45 calendar daysStandard/nonstandard, nonsubscription; measured after end of ceased-attendance module; same-period conditions and approved-LOA exception.§668.22(a)(2)(i)(C),(ii)(A)(3),(B); C031/C035/C036
M005More than 60 calendar days / confirmed return ≤60 calendar daysNonterm/subscription; measured after cessation; subscription same-period requirement; written-confirmation/change conditions; approved LOA exception.§668.22(a)(2)(i)(D),(ii)(A)(4)–(5),(B); C031/C035/C036
M006Successful module completion ≥49%Numerator: successfully completed qualifying module days; denominator: prescribed payment-period days, excluding breaks ≥5 consecutive days and all between-module days. No rounding upward to reach 49%.§668.22(a)(2)(ii)(A)(2); S016; C033–C034
M007Successful coursework ≥ applicable half-time workloadAlternative modular nonwithdrawal test; depends on institution’s lawful category-specific standard, not a universal credit count.Same clause (iii); §668.2; C014/C033
M008Modular reentry before period end; clock/nonterm reentry within 180 calendar daysSame program; Secretary conditions; term modular enrollment status must support full prior aid. “Before period end” is distinct from “within 180 days.”§668.22(a)(2)(iii); §668.4(f); C019/C037
M009Reentry after 180 days; remaining portion ≤half academic yearNew payment periods generally required for delayed reentry/transfer; same-institution five-condition exception. Remaining hours/weeks set the base.§668.4(g); C019
M010Attendance documentation within 14 days of last attendanceAttendance-required category. Preamble explains calendar days, including weekends, holidays, and breaks; not automatic administrative withdrawal.§668.22(b)(2); S014 pp.485–487; C042
M011Unofficial-withdrawal determination ≤30 days after earliest relevant endingNonrequired institution; earliest end of applicable period, academic year, or educational program.§668.22(j)(2); C049
M012Approved LOA total ≤180 days in any 12-month periodAggregate all approved leaves; first day of initial leave starts counting and period. Written-request exception only for documented unforeseen circumstances; other LOA conditions still required.§1091b(a)(2); §668.22(d); C050–C053
M013Earned fraction through 60% inclusive; 100% only after 60%Correct credit-day or scheduled-clock-hour fraction; unearned percentage is complement. Equality is not “after.”§1091b(a)(3); §668.22(e)(2)–(3); C058
M014Credit-hour fraction: included completed calendar days / total included calendar daysBreaks ≥5 consecutive days excluded from numerator and denominator; approved LOA and specified modular breaks excluded as provided; only begun modules scheduled under current (l)(9).§668.22(f)(1)(i),(f)(2),(l)(9); C055/C057
M015Clock-hour fraction: scheduled hours since attendance began in selected period / total period clock hoursSchedule established before beginning class date; consistent published program; permitted prewithdrawal modifications; applicable State/accreditor standards.§668.22(f)(1)(ii); C056
M016Full-refund exemption: all four conditions, including all disbursed aid/credit balances and all institutional chargesPeriod-specific; cancellation limited to the specified balance arising from return to ED. Optional institutional use; no actual election.§668.22(a)(2)(ii)(A)(6); C038–C039
M017Earned-aid monetary base: disbursed + qualifying potentially disbursable aid; handbook uses net loansPeriod-specific, with withdrawal/determination dates distinguished; no double count of disbursed/potential aid; actual fees/limits absent.§668.22(e)(1),(4); S016 Step1; C054/C060–C065
M018Institution’s return: lesser of total return amount or charges × unearned percentageCharges are period-specific. Nonterm longer-charge base uses greater of prorated charges and aid retained for charges. Equal payment periods: total program charges / number of periods; otherwise period hours / program hours × total charges.§668.22(g); §668.164(c)(5); C066–C067
M019Grant protection 50%; de minimis ≤$50 per grant program, after protection, not a remaining balanceRegulation’s base is disbursed + could; statute says received. Applies to student grant responsibility, not institution’s return.§1091b(b)(2)(C); §668.22(h)(3); C073–C074
M020Grant notice ≤30 days; action window earlier of 45 days after sent or required-sent date; institutional agreement ≤2 years from determinationConditional eligibility continuation, repayment/agreement, referral, and default provisions; no deemed-receipt rule supplied.§668.22(h)(4); C075–C076
M021Institutional withdrawal return ≤45 days; check endorsement ≤60 daysDetermination trigger; ASAP; specified acts under §668.173(b). Check issuance after45 or endorsement after60 fails.§1091b(b)(1); §§668.22(j)(1),668.173(b); C080
M022Direct grant PWD ≤45 daysDetermination trigger; grant portion not credited to allowable charges; ASAP.§668.22(a)(6)(ii)(B)(1); C082
M023Written loan-PWD notice within30 daysDetermination trigger; all content/recipient/confirmation predicates; not a receipt-based period.§668.22(a)(6)(iii)(A); C083
M024Loan-PWD response within14 days of sending or later set deadline; timely accepted disbursement ≤180 days after determinationSame response deadline for credit/direct payment; late response discretionary; all accepted funds condition; no response means no loan PWD; independent late-disbursement bars.§668.22(a)(6)(iii); C084–C086
M025Late-disbursement outer limit 180 days; first-year/first-time rule 30 daysWithdrawal determination or, for nonwithdrawal, loss of eligibility; second/subsequent Direct disbursement requires completed loan period; valid aid-record deadline separately published.§668.164(j)(4); C062–C063
M026Cohort exceptions: <10% for three most recent fiscal years; for loans first disbursed on/after October1,2011, <15% for three years; eligible home study-abroad route <5% for single most recent yearExact permitted cohort/rate types under §685.303(b)(5); exceptions cease for loans originated beginning 30 days after Secretary notification of disqualifying rate. Full rate calculation and actual data held.S010 §685.303(b)(5); C063
M027Rounding: nearest penny; optional final nearest dollar; fraction calculated to 4 decimals, rounded to 3, fourth digit ≥5 rounds upNo upward disbursement rounding beyond annual/aggregate/lifetime limits. Quotients just above60% may not be rounded down to60%. Separate no-round-up49% rule.S016 Ch.1 “Rounding”; C034/C059
M028Equipment-return guidance 20 days from withdrawalDocumented actual institutional cost; nonreturnable or not returned in good condition; reasonable, consistent, fair, disclosed policy; blanket “all used” rule insufficient.S016 Ch.1 “Returning Equipment”; C069
M029Allowable prior-year charges ≤$200; book/supply access by seventh day under one inclusion route$200 applies across one or more current-year payment periods, not a new cap per period; current year depends on loan/award mix. Book route also needs below-market arrangement and opt-out, or separate unavailability/health-safety alternative.§668.164(c)(2)–(3); C070
M030Credit-balance baseline 14 days after balance occurs if after class start, otherwise14days after first class day; retained-fund authorization cancellation has its own14-day payment ruleSubject to the separately read lawful authorization/retention conditions in §668.165(b). These ordinary cash-management clocks are not substituted for PWD grant/loan clocks.S006 §§668.164(h),668.165(b); C088
M031Undergraduate full-time minima: standard term 12 semester/quarter credits; nonterm 24 semester/36 quarter credits per academic year or prorated equivalent; clock 24 hours/week; course series 12 credits in ≤18 weeksNonstandard-term minimum is term instructional weeks / academic-year instructional weeks × academic-year credits. Cooperative work must be equivalent. Correspondence full-time requires a commensurate load and at least half noncorrespondence coursework meeting half the institutional standard. Subscription uses its specified alternatives.§668.2 complete full-time definition; C014
M032Half-time ≥half applicable minimum; sole correspondence ≥12 work hours/week or ≥6 credits/term, never above half-time; passed-course repeat ≤one in stated term category; subscription status change ≤once/academic year, less-than-half term ≥one creditAll category-specific conditions in §668.2 apply. Subscription cumulative calculation excludes current and most recently attended terms.S004 §668.2; C013–C014
M033Credit-hour definition generally 1 hour instruction + ≥2 outside hours weekly, approximately 15 weeks semester/trimester or 10–12 weeks quarter, or equivalent; clock-hour categories use 50–60 minutes in60, with specified60-minute correspondence work and distance-monitoring conditionsInstitution/accreditor/State framework, equivalent lab/internship work, alternate delivery/calendar, and complete clock-hour category requirements; not actual instructional records.S003 §600.2; C015
M034Required conversion minima 30 clock hours per semester/trimester credit;20 per quarter credit§668.8(k) exceptions include qualifying degree programs at least two academic years or fully creditable courses with the specified qualifying graduate in current/two prior award years. Full program eligibility and the paragraph’s additional cross-reference are held.S004 §668.8(k)–(l); C015
M035Academic year: ≥30 instructional weeks credit / ≥26 clock; undergraduate expected ≥24 semester/trimester credits,36 quarter credits, or900 clock hours; week 7 consecutive daysInstructional week has specified instruction/exam/study or asynchronous-support/engagement conditions; breaks/orientation/counseling excluded. Secretary may approve 26–29 weeks for stated two-/four-year degree institutions on written good cause and accreditor/State approval; expires with participation agreement unless extended. Award year is July1–June30.S003/S004 §668.3; C016
M036Payment-period division at half hours AND half weeks; remaining portion >half but <full academic year split; ≤half remainder generally one periodApplies only to specified §668.4(b)(2)/(c) categories; first/second period and successful-coursework tests; if hours-completion cannot be determined, later of half coursework/half weeks.S004 §668.4; C017–C019
M037Excused clock absences ≤least of accreditor limit, State limit,10% of payment-period clock hoursWritten institutional policy; hours need not be made up; multiple-accreditor designation cross-reference remains an application prerequisite.§668.4(e); C018
M038Substantially equal terms: difference ≤2 instructional weeks; standard-calendar classification includes ≥30 weeks, two semesters/trimesters or three quarters, with separate shorter-calendar routeFull §690.63(a)(1)–(2) nonoverlap/cohort conditions apply; not a universal academic-calendar classification.§§668.22(l)(5),(8),668.4(h); S005; C012/C017
M039Disaster temporal window: designation academic year or next academic year in statute; designation award year or next award year in regulationFormal declaration, location/relationship, causation, and discretionary waiver required. “Ended”/“occurred” difference unresolved.§1091b(b)(2)(D)–(E); §668.22(h)(5); C077
M040FSEOG fund-specific match includes 100% of award; individual/aggregate matching excludes nonfederal shareMatching method must be established before choosing base; no award assumed.§668.22(a)(3); S016; C006
M041Agency instruction: calculate within30 days after determinationG, not a substitute for each distinct express regulatory clock; institution’s records and action date absent.S015; C112
M042Deemed institutional-advance disbursement dates: 30th day after period begins for covered delayed Direct loans; 10th day before first class for earlier institutional credits§668.164(a)(2)’s conditions; ordinary physical ledger entry alone may not establish the legal disbursement date. No general early-disbursement eligibility inferred.S006 §668.164(a); C060

Captured table 11

ID · Source-stated date/period relied on · Legal function, boundary, and claim links · 13 data rows

IDSource-stated date/period relied onLegal function, boundary, and claim links
M043Access October27,2026 LA; statutory compilation October15,2026; latest eCFR currency October26,2026; title amendment label October8,2026Different metadata functions; not actual transaction dates or complete later-law proof. C001/C109; S001–S013/S031/S034.
M044Master-calendar November1 cutoff and prescribed second award year ruleApplies to regulatory final-publication timing; designated early implementation can alter entity application under conditions. C111; S012.
M045PL105-244 enactment October7,1998; specific two-year implementation; general October1,1998 clause; rule effective July1,2000, required implementation October7,2000, early November1,1999Historical; specific §484B(e) distinguished from general Act effectiveness. Entire-package/all-withdrawals/no-reversion early conditions. C093; S017/S021.
M046September21,2005 disaster Acts; PL109-171 enacted February8,2006, selected amendments effective July1,2006Historical statutory adoption/application, not current personal deadlines. C094–C095; S018–S020.
M0472002 rule published/early November1,2002, selected effectiveness July1,2003Unrelated differently effective provision excluded. C096; S022.
M048Interim rule August9,2006 / September8,2006; final rule November1,2006 / December1,2006Publication/effectiveness distinguished; information-collection approval history not fully authenticated. C097; S023–S024.
M0492007 rule publication/early November1,2007, effectiveness July1,2008; TEACH rule publication June23,2008, effectiveness July1,2008Historical selected amendments. C098–C099; S025–S026.
M0502010 rule October29,2010 / July1,2011; 2015 rule October30,2015 / July1,2016Selected publication/effective dates; unrelated phased requirements not imported. C100–C101; S027–S028.
M0512020 publication/early September2,2020, effectiveness July1,2021Entity discretion for early implementation; later superseded module paragraph identified. C102/C104; S029.
M0522025 publication January3,2025, two early provisions February3,2025, general effectiveness July1,2026; announcement March27,2026The announcement’s withdrawal/cessation/LOA application trigger is separate from publication and institution election. C002–C003/C103; S014–S015.
M053Handbook edition 2026–2027, modified June20,2026, older host publication labels March28,2021 / January11,2022Guidance version metadata, not legal effective dates. C004; S016.
M0542026 future rule publication July1,2026; general effectiveness July1,2027; instructions13–14 August31,2026Selected future amendment boundary only; not an R2T4 deadline. C108; S030.
M055PL117-103 enactment March15,2022; substituted July1,2024 / award year2024–2025; specified earlier implementation July1,2023–July1,2024, notice ≥60 days before§102(c)’s specified subject list and temporary SAI-as-EFC treatment apply only within its terms. Original substantive replacement chain incomplete. C107; S032–S033.

Captured table 12

Branch · Conditional rule and exact links · Missing predicate/authority · 31 data rows

BranchConditional rule and exact linksMissing predicate/authorityAdverse inference to avoidNext permissible generic public-law inquiry; coverage
B01 Scope/program unknownApply only the program/category list governing the particular route. C005–C009; S001/S002/S004.Program, legal award category, period, applicable version.Every federal/private loan or grant follows the same return rule.Read the relevant program’s current authorization/application clauses if its category becomes material. Answered/held.
B02 No attendance§668.21’s distinct institutional duties apply upon the specified nonattendance predicate. C022–C027; S002.Beginning attendance and disbursement classifications.Use the 60% calculation for never-attendance.Examine only generic ED interpretations of §668.21’s period/program boundary. Answered/held.
B03 Attendance evidence unknownInability to document any class during the period invokes §668.21(c); §668.22 activity requires institutional support. C010–C011/C026.Documentation category and legally relevant activity.Missing evidence proves fraud, or a login proves attendance.Read generic academic-engagement and attendance-documentation interpretations, without records. Answered/held.
B04 Withdrawal after attendanceApply §668.22 only after beginning attendance and satisfying a withdrawal condition, subject to exemptions. C030–C039.Completion, program/calendar, exception facts.Every cessation is automatically a withdrawal.Read generic interpretation of the particular §668.22(a)(2) category. Answered/held.
B05 Attendance-required categoryOutside, institutional, or comparable-process requirements can qualify, with student/time/census limits. C040–C042.Type and scope of legal attendance requirement.Every distance program is attendance-required under the unadopted proposal.Read any later final generic amendment addressing attendance; preserve proposal/final distinction. Answered/held.
B06 Official versus unofficialOfficial process/notice, earlier-date rule, midpoint, and documented activity are separate alternatives. C043–C047.Notice category and institutional determination.Midpoint is universal or student-selected.Read generic agency interpretation of official notice and activity-date substitution. Answered/held.
B07 Circumstance preventing noticeThe institution may determine a circumstance-related date only under the stated uncontrollable-circumstance conditions. C044.Prevented-notice predicate and legal documentation.Any illness or difficulty automatically changes the date.Examine generic §668.22(c)(1)(iv) guidance; no diagnosis/record inquiry. Answered/held.
B08 Leave conditionsAll LOA requirements and the aggregate duration limit must be satisfied. C050–C053.Policy category, approval/request/timing, expectation of return.A school-approved academic leave automatically is Title IV-approved LOA.Read generic interpretation of the specific LOA condition. Answered/held.
B09 Eligible prison programCoursework-resumption exception applies only to the legally qualified category; other LOA requirements persist. C052/C110.Incorporated institutional/program/oversight qualifications.Incarceration alone establishes the exception.Read complete indispensable §§668.235/668.241 and institution/program definitions if qualification must be explained. Partial/held.
B10 Modular completionSuccessful ≥49% module completion or applicable half-time coursework can prevent withdrawal. C033–C034.Program structure, lawful denominator, successful completion.Use the earned-aid denominator or round upward to49%.Read generic intersession/overlap guidance for the legal calendar category. Answered/held.
B11 Confirmed return/reentryWritten confirmation, same-period/gap limits, changed-date timing, failure-to-return, and reentry restoration are distinct. C035–C037/C019.Confirmation and return category; Secretary conditions.Intention to return alone prevents withdrawal indefinitely.Read generic conditions for restored aid under §668.22(a)(2)(iii)/§668.4(f). Answered/held; downstream conditions bounded.
B12 Full-refund exemptionAll four conditions and optional institutional use are required. C038–C039.Election and each condition; no actual records inspected.Any tuition refund eliminates R2T4 or cancels all debts.Read later generic clarification of the exemption’s record/balance scope. Answered/held.
B13 Withdrawal/determination datesDates serve different functions and depend on attendance/notice/leave category. C042–C049.Relevant legal category and triggering event.Start every deadline from last class or notice receipt.Read generic determination guidance for the precise category. Answered/held.
B14 Period choiceStandard-term payment-period rule and nonterm/nonstandard consistent-category choice govern. C017–C021.Calendar, permitted choice, cohort category; stale §668.4(d).Use whichever period produces a preferred result.Authenticate the current replacement, if any, for §668.4(d)’s missing targets. Partial/held.
B15 Numerator/denominatorCredit-day and scheduled-clock fractions use their own exclusions and start points. C055–C057.Defined period, schedule, breaks, module beginnings.Mix actual clock attendance with scheduled hours, or combine different periods.Read generic clock-period/module instructions and any correction to the 2025 rule. Answered/held.
B16 Boundary/equality60% equality remains proportional; only greater than60% earns100%; 49% has a separate inclusive test. C033/C058–C059.Exact legal fraction and rounding convention.Treat60% as100% or round a deficient49% result upward.Read current official rounding instructions if changed. Answered/held.
B17 Institutional chargesStatutory/regulatory charges, handbook interpretation, and creditable charges are different inquiries. C067–C070.Charge category, prewithdrawal assessment, prorating, lawful authorization.Every ledger debit is an institutional charge or enforceable debt.Read generic clarification of the particular charge category, not school policies. Answered/held.
B18 Disbursed versus potential aidNet aid, inadvertent disbursements, pre-ineligibility conditions, and limits determine categories. C054/C060–C064.Origination/award/record/note timing; applicable aid limits.Potential aid is necessarily payable cash.Authenticate SAI/EFC statutory transition and relevant annual record deadline. Partial/held.
B19 Late-loan restrictionsThe first-year/first-time, second-disbursement, note, and outer-time restrictions remain independent. C062–C063/C087.Program/borrower category and legally calculated institutional exception.Earned100% overrides a disbursement prohibition.Read only indispensable cohort-rate or program-payment clauses for the selected exception. Answered/held; rate regime excluded.
B20 Institutional responsibilityLesser-of formula and timely-return requirements govern the institution. C066–C067/C080.Correct aid/charge bases and determination date.Student grant protection halves the institution’s return.Read any generic correction affecting §668.22(g) or §668.173(b). Answered/held.
B21 Student/parent distinctionResidual responsibility and parent PLUS borrowing category must be separated; loans follow their terms. C071–C072.Borrower role, program, allocation.A parent is liable for every student grant or institutional balance.Read narrowly relevant current parent-loan provisions if a generic borrower definition needs expansion. Answered/held.
B22 Grant protectionApply the specified base,50% protection, and ≤$50 nonremaining per-program rule. C073–C076.Base, program, whether original overpayment or remaining balance.Every balance below$50 is cancelled.Read official clarification reconciling “received” and “could have been disbursed.” Partial reconciliation/held application.
B23 Return orderUse the applicable period’s outstanding balances and exact statutory/regulatory sequence. C078–C079.Program and historical/current applicability.A listed legacy program is currently originating awards.Read current program repeal/transition clauses only if that legacy category matters. Answered text/held availability.
B24 PWD offer/consentGrant credit/direct payment and loan written confirmation are distinct; content and partial acceptance conditions apply. C081–C086.Aid type, lawful charges, confirmation, response.Silence authorizes a loan disbursement.Read generic PWD notification guidance; no notice drafting. Answered/held.
B25 Timing/service absentEach clock retains its own awareness, determination, sending, mailing, or bank-act trigger. C027–C029/C075/C080/C083–C086.Trigger and delivery/counting evidence; general extension conventions.A webpage’s “days” means business days or supplies a receipt presumption.Read a complete applicable generic counting/delivery provision before any calendar computation. Partial counting/held application.
B26 Disaster waiverFormal declaration, location, causation, temporal condition, and Secretary discretion are cumulative. C077.All predicates; academic/award-year reconciliation.Any disaster creates automatic waiver or waives institutional returns.Read generic official clarification of the year/event discrepancy; no declaration/area lookup. Partial/held.
B27 Statutory/regulatory discrepancyPreserve different bases, words, and references; adjacent operative bodies were read separately. C046/C065/C074/C077/C104–C107.Corrective instrument or controlling authorized interpretation.Silently amend text or announce invalidity/judicial consensus.Search public generic corrective/amendatory instruments for the exact provision. Unresolved reconciliation.
B28 Current/early/historical applicationMatch event to effective/application provisions and any permitted institutional early election. C002–C003/C093–C103/C111.Relevant period and implementation category.Publication date alone makes every provision operative.Recheck current eCFR and actual Federal Register application clauses. Answered framework/held application.
B29 Source failure/currentnessFailed originals support no legal conclusion; successful alternatives remain bounded by their displayed currency. C001/C109.Original FAFSA body, foreign-disbursement clauses, complete later-law chain.Failure proves absence/repeal or authorizes a workaround.Retry ordinary official public originals or another official published format; no security bypass. Partial.
B30 Return/refund/institutional debtOrdinary return, refund policy, principal credit, and privately enforceable balance are separate; narrow exemption write-off is explicit. C089–C092.Applicable contract/other law, excluded from this pass.Federal return establishes school debt, forgiveness, or collection rights.Identify the distinct public-law regime needed for the question without examining an actual contract. Answered boundary; downstream excluded.
B31 Remaining parent dimensionsThis component supplies no conclusion on tax, credit, collection, bankruptcy, private loans, family allocation, or suitability. C092/C109.Separate legal regimes and all application facts.Treat this return framework as debt relief or a recommendation.Define a separate generic public-law component if later requested. Excluded with reason.

Captured table 13

Analytical field · Authority entry · Evidence entry · 43 data rows

Analytical fieldAuthority entryEvidence entryAnalysisResult
Source/version/status
Actual access and read bounds
Effective/application provision
Generic program category
Generic actor category
Underlying eligibility boundary
Payment-period category
Enrollment-period category
Credit/clock/calendar category
Subscription/modular category
Nonattendance category
Academic-engagement evidence category
Attendance-required classification
Withdrawal classification
Official/unofficial notice category
Withdrawal-date rule
Determination-date rule
Leave-of-absence conditions
Completion/confirmation/reentry exception
Optional full-refund exemption
Disbursed-aid category
Potentially disbursable-aid category
Grant/loan/parent-borrower distinction
Institutional-charge category
Allowable-credit/authorization category
Numerator/denominator
Base/unit/threshold/equality
Rounding convention
Institutional responsibility
Student/parent responsibility
Grant-protection condition
Return ordering
PWD offer/confirmation category
Notice content/recipient category
Trigger/unit/sending/receipt distinction
Return/disbursement method condition
Statutory/regulatory discrepancy
Unresolved cross-reference
Currentness/source-access gap
Refund/contract/debt boundary
Other downstream boundary
Missing public authority
Next permissible generic inquiry

Captured table 14

User question / material subquestion · Status and finding · Claim/source/branch links · 41 data rows

User question / material subquestionStatus and findingClaim/source/branch linksMissing evidence or authority; exact next permissible inquiry
1(a) Complete selected current bodiesAnswered: complete statute and both regulations read.C001; S001–S002Full later-law/judicial certification not claimed; recheck official compilations and subsequent amendatory instruments.
1(b) Definitions, nested clauses, exceptionsAnswered within selected bodies; partial incorporations.C005–C021, C030–C053; S003–S013/S031/S034Full institutional/program eligibility, cohort-rate and prison-program qualification regimes held; trace only a newly indispensable clause.
1(c) Version/legal publication statusAnswered with separate compilation/access/effectiveness labels.C001–C004/C109; source registerNo unseen UI/model verification; no complete uncodified-law audit.
1(d) Recent amendments, mandatory/early implementationAnswered for material 2020/2025 instruments; future 2026 boundary bounded.C002–C003/C102–C108/C111; S014/S029/S030Actual early election absent; inquire only into generic application clauses.
2(a) Programs and exclusionsAnswered text; program availability held.C005–C009/C078–C079; B01/B23Current origination/award eligibility not inferred from legacy names; read relevant program transition if necessary.
2(b) Generic institution/student/parent rolesAnswered within return mechanism.C008–C009/C071–C072Full eligibility/parent PLUS underwriting excluded.
2(c) Payment/enrollment/academic structuresAnswered; §668.4(d) partial.C012–C021/C106; S004/S005; B14Authenticate missing target paragraphs or corrective rule; no substitute assumed.
2(d) Attendance, engagement, leave, modulesAnswered conditional framework.C010–C013/C030–C053; B03–B13No actual academic/attendance determination; generic interpretations only.
3(a) Nonattendance trigger and covered fundsAnswered.C022–C026; S002; B02–B03Program/period/attendance facts absent; no facts sought.
3(b) Institution/direct-recipient allocation and knowledge exceptionAnswered; foreign-disbursement incorporation partial.C023–C025/C028–C029; S009–S011Current §682.207 subclauses inaccessible; obtain ordinary official text if needed.
3(c) Notices, deadlines, methodsAnswered text; actual service/counting held.C024/C027–C029; M002–M003No awareness/mailing/bank event; read generic delivery/counting authority before computation.
3(d) No attendance versus evidence failure/withdrawalAnswered.C026/C030/C038–C039; D01–D02No fraud/default/error inference.
4(a) Required/nonrequired attendance categoriesAnswered.C040–C042; D04/B05Actual requirement absent; no institution lookup.
4(b) Official/unofficial/activity dateAnswered text; statutory broader-regulation reconciliation held.C043–C047; S001–S003Clarify exact statutory/regulatory difference through generic corrective/interpretive authority.
4(c) Withdrawal date versus determinationAnswered.C048–C049; D03/M010–M011Attendance-required determination details beyond selected guidance remain bounded.
4(d) LOA, failure to return, rescissionAnswered; prison qualification partial.C045/C050–C053/C110; B08–B09Full prison-program qualification incorporated regimes not completed.
4(e) Modules, return confirmation, reentry, completion exemptionsAnswered conditional rules.C031–C039; B10–B12Actual schedule/completion/confirmation absent; no chronology created.
5(a) Earned/unearned bases and comparisonAnswered regulatory mechanism; statutory wording difference unresolved.C054/C064–C065; S001/S002No mathematical harmonization assumed; inspect generic corrective interpretation.
5(b) Numerator/denominator, days/hours, breaksAnswered.C055–C057; M014–M015Period, schedule, breaks, module attendance absent.
5(c) Threshold/equality/roundingAnswered, with guidance status explicit.C033–C034/C058–C059; M006/M013/M027No calculation or example.
5(d) Period selection and unequal-period attributionAnswered except stale exemption.C017–C021/C106Resolve §668.4(d) separately.
5(e) Charges, net/gross, credited/disbursed/couldAnswered selected framework.C060–C070; S006/S016Actual charges and eligibility absent; annual record deadline not selected.
5(f) Institution/student/parent, order, grant protectionAnswered; statutory/regulatory differences preserved.C066–C080No actual allocation/receivable established.
6(a) PWD grant/loan offer, confirmation, partial acceptanceAnswered.C081–C086; S002No notice or acceptance created.
6(b) Allowable credit and authorizationAnswered narrow clauses; full banking/delivery held.C070/C088; S006Full §668.164(d)(4)–(g) account-arrangement regime not completed.
6(c) PWD/late-disbursement timing and restrictionsAnswered; annual deadline and rate computation held.C062–C063/C082–C087Read applicable generic annual Federal Register deadline only when the award-year legal question is specified.
6(d) Grant overpayment notice/protection/agreementsAnswered.C073–C077; M019–M020No agreement, waiver, eligibility, or receipt result.
6(e) Loan-note treatment and program returnAnswered narrow distinction.C072/C090–C092Full loan contract, servicing, collection, and discharge excluded.
7(a) Actual enacted/amendatory/effective bodiesAnswered for listed material instruments; not exhaustive history.C093–C103; S017–S029Unread earlier predecessors, separate information-collection notice, later history remain explicit.
7(b) Statute/regulation/manual discrepanciesPartial/unresolved reconciliation.C046/C065/C074/C077/C104–C107Exact corrective interpretation or amendment not established.
7(c) Necessary handbook boundsAnswered selected headings; Part2 body unavailable.C004/C034/C059–C061/C068–C070; S016No reliance on unread Part2 body; retry ordinary original if additional question requires it.
7(d) Failures/ordinary alternativesAnswered log.C109; failure logNo inference of legal absence or workaround.
8(a) Tuition refund/institutional balanceAnswered separation and narrow exemption.C038/C089–C091; D11/B30Contracts/State refund law excluded; no actual policy read.
8(b) Discharge, bankruptcy, collection, credit, private/parent liabilityExcluded with reason: separate regimes.C092; B31Next inquiry must name a distinct generic legal regime, not actual records.
9(a) Required comparisonsAnswered/qualified individually in D01–D16.Claims/sources in each comparison rowPartial items explicitly marked; no actual classification.
9(b) All relied-on quantitiesAnswered in M001–M055.Exact clauses/claims in each rowNo actual values, dates, or computing conventions invented.
9(c) Optional modelExcluded by choice with reason: no need for populated or universal model.C054–C080; measurement registerMissing classifications and unresolved cross-references prevent a single application model.
10(a) At least20 substantive branchesAnswered with31 branches.B01–B31Each contains predicates, adverse inference, next inquiry, and status.
10(b) Adapt unsupported premisesAnswered: unadopted proposals, legacy lists, and missing references not treated as current permissions.C103–C107; B05/B14/B23/B27No padding with invented rules.
11(a) Wholly blank worksheetAnswered.Section6All authority/evidence/analysis/result cells blank.
11(b) No intake, screening, records, operative documentsAnswered as research conduct.Worksheet and self-checkNo actual or invented record, financial allocation, notice, or recommendation created.

Captured table 15

Log ID · Attempt and actual result · Ordinary alternative / consequence · 13 data rows

Log IDAttempt and actual resultOrdinary alternative / consequence
F01https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title20-section1091b&num=0&edition=prelim returned a maintenance page rather than the statutory body.S001’s successful OLRC compilation was read completely. Original failure not concealed.
F02https://uscode.house.gov/us/usc/119-134/t20/s1091b/ was inaccessible. Another preliminary-view attempt also failed.Successful 119-124 compilation used; no claim that an inaccessible later compilation was read.
F03Preliminary and 119-121 §1089 routes failed, including https://uscode.house.gov/us/usc/119-121/t20/s1089/.S012’s 119-124 text supplied the complete selected subsection.
F04https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.173 failed because the attempted path was not the successful location.Correct Subpart L source S007 read. A failed guessed path was not treated as missing law.
F05A guessed handbook Chapter1 “steps…Part1” path failed. The correct Chapter2 Part1 body succeeded. Chapter2 Part2 initially exposed only an introductory extract; subsequent body requests repeatedly timed out/returned errors.S016 records exact partial read. No substantive reliance on unread Part2.
F06https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-B/section-682.207 and https://www.ecfr.gov/current/title-34/section-682.207 were inaccessible.§668.21’s express cross-reference retained; detailed foreign/study-abroad disbursement conditions unresolved.
F07https://www.govinfo.gov/content/pkg/CFR-2025-title34-vol4/pdf/CFR-2025-title34-vol4-sec682-207.pdf was inaccessible.No annual-edition body or currentness claim based on it.
F08The 1999 FederalRegister.gov page exposed metadata rather than the historical operative body.Ordinary GPO original PDF S021 succeeded; selected complete amendatory body and dates read.
F09PL116-260 HTML exceeded the retrieval size limit; GPO PDF failed parsing; Congress.gov PDF returned a restricted-URL failure. Exact URLs are in S033.No bypass attempted. SAI/EFC substantive original-history chain remains partial despite S032’s successful amendment read.
F10https://uscode.house.gov/us/usc/119-124/t20/s1087kk/ was inaccessible.No current need-analysis formula adopted. The report identifies the wording mismatch without claiming complete reconciliation.
F11https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-F/section-690.75 failed.The official cross-reference led to correct Subpart G, S034; body read.
F12Some first eCFR retrievals displayed older title-currency dates—October23, October20, or October2.Later successful checks displayed October26. Earlier labels were not used as enactment/effectiveness dates; substantive selected clauses were checked in the later accessible text.
F13One invalid navigation/click request failed as a tool argument rather than producing a source.No legal conclusion or source-absence inference followed.
Source links captured in this table

Captured table 16

Gap · What is established · What remains unresolved / exact next generic inquiry · 12 data rows

GapWhat is establishedWhat remains unresolved / exact next generic inquiry
G01 Full currentness chainCurrent official-publisher compilations and material selected originals were read.Exhaustive enactment, correction, uncodified special-relief, and judicial history through the access date was not established. Recheck exact provisions and later official amendatory texts; do not infer absence from no result.
G02 Main late-disbursement cross-referenceCurrent §668.22(a)(5) says (i); current late-disbursement body is (j); actual 2020 amendment confirms the mismatch.Locate an official correction or specific generic reconciliation. No judicial answer is supplied.
G03 Other numbering mismatches§668.164(j)(3)(i), §668.22(a)(6)(iii)(A)(5), and §668.4(d) contain identified inconsistencies/missing targets.Authenticate each replacement/correction individually before operational reliance on the cross-reference.
G04 Statutory/regulatory basesBoth complete texts and material 2006 amendments were read.Meaning/reconciliation of received versus potentially disbursable grant base, statutory versus regulatory unearned amount, and unofficial-date breadth is not finally adjudicated here.
G05 Disaster year/event languageStatute, regulation, original waiver Acts, and implementing explanation were read.Academic-year/award-year and “ended”/“occurred” difference remains; no actual waiver, declaration, or geographic lookup.
G06 SAI/EFCCurrent handbook and regulation differ; actual 2022 effective-date amendment read.Original substantive PL116-260 body and complete subsequent application chain were not retrieved.
G07 Foreign/study-abroad disbursement§668.21’s express treatment and final-demand incorporations read.Current §682.207(b)(1)(v)(C)(1)/(D) body inaccessible.
G08 Actual annual deadlines and eligibility§668.164(j)(4)(iv) requires a valid aid record by a separately published deadline.No award year or individual eligibility facts supplied; no annual deadline selected or computed. Full eligibility, limits, and program availability remain separate.
G09 Full institutional/PEP/cohort qualificationComplete relevant selected definitions and conditions read.Incorporations into licensing, accreditation, institutional eligibility, prison-program oversight, and cohort-default-rate methodology require separate bounded inquiry if indispensable.
G10 Delivery/countingExpress sending, mailing, calendar-day, awareness, determination, and bank-act triggers recorded.No universal receipt presumption, holiday extension, business-day convention, or actual service event established.
G11 Tuition refund and private liabilityFederal returns and required refund disclosures are distinct; the optional exemption contains a narrow express write-off condition.Actual refund policy, contract, enforceable receivable, restitution, or collection rights remain outside this pass.
G12 Other parent dimensionsThis component describes only selected federal return mechanisms.Discharge, cancellation, servicing/default beyond indispensable clauses, collection operations, credit reporting, tax, bankruptcy, State protections, family financial allocation, affordability, and suitability remain held.

Captured table 17

Check · Result of this pass · 13 data rows

CheckResult of this pass
Independent investigationEarlier reports and conversations were not used as substantive foundations.
Core completenessComplete current retrieved bodies of §1091b and §§668.21–.22 read, including nested exceptions and displayed notes/source credits.
Primary-source disciplineLegal findings rest on official statutory/regulatory bodies and actual selected enacted/amendatory instruments; handbook and announcement statements are labeled guidance.
Effective/application distinctionPublication, effectiveness, mandatory application, optional early implementation, compilation currency, and actual access date are kept separate.
Numerical disciplineEvery relied-on operative quantity and reported historical/application date is registered; no personal, institutional, financial, or calendar input was invented.
Category disciplineNonattendance, withdrawal, full-refund exemption, earned aid, potential aid, PWD, institutional return, student grant overpayment, and note repayment remain distinct.
DiscrepanciesIdentified textual and numbering differences remain visible; none was silently repaired.
Source failuresFailed originals and successful ordinary alternatives are disclosed; no security/CAPTCHA workaround used.
Read-bound accuracyNo whole-document, whole-regime, PDF-pixel, form, or actual-record review is claimed from selected text.
WorksheetAll authority/evidence/analysis/result cells are genuinely blank.
Identifying data and actionsNo actual or invented identifying-party, institution, account, attendance, award, case, roster, contract, or completed-notice inquiry was made; no filing, contact, transaction, or operative document was produced.
Application and acceptanceNo individual eligibility, liability, return, refund, deadline, breach, default, relief, or recommended financial/legal action is established. No component, A077/parent, operational, or publication acceptance is asserted.
Review statusThis is the researcher’s own check. It is not independent review.

Find the assertion and its boundaries

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

R077-C001 Saved research record

The three selected core bodies were read completely. Their displayed currency is distinct from this investigation’s access date and from legal effectiveness. No exhaustive later-law or judicial certification follows.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 complete §1091b and notes; S002 complete §§668.21–.22 and headers.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["statute", "nonattendance", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C002 Saved research record

The 2025 rule’s selected amendments became generally effective July 1, 2026. Only the full-refund withdrawal exemption and eligible-prison-program LOA change were designated for early implementation beginning February 3, 2025. Availability of an optional exemption is not compulsory use of it.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S014, Dates, Implementation V, instruction 12. govinfo.gov

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["2025_adoption"], "original_researcher_record_unchanged": true}
R077-C003 Saved research record

FSA’s implementation announcement applies the new requirements to students who withdraw, cease attendance, or begin an approved LOA on or after July 1, 2026. An institution’s actual early-implementation decision is absent.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S015, implementation paragraphs; G, subordinate to S014.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["agency_implementation"], "original_researcher_record_unchanged": true}
R077-C004 Saved research record

The handbook is official guidance for the displayed 2026–2027 edition. Its June 20, 2026 modification labels and older webpage publication dates are not enactment dates, and its operational explanations do not replace conflicting statutory or regulatory wording.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S016, edition/footer and selected bodies.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C005 Saved research record

§1091b concerns a recipient of covered Title IV grant or loan assistance who withdraws during a payment period or enrollment period in which attendance began; assistance under Part C is excluded. The selected FWS definition identifies FWS as the Title IV-C employment program.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S001 §1091b(a)(1); S004 §668.2, FWS definition.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C006 Saved research record

Current §668.22(a)(3) lists only Direct Loan, Pell, Iraq and Afghanistan Service Grant, TEACH, and FSEOG assistance. It excludes the nonfederal FSEOG share when matching is by the individual-recipient or aggregate method. The handbook includes both shares for a fund-specific match. Presence in the text does not establish current award availability.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(3); S016 Ch.1, “FSEOG Program Funds.” ecfr.gov +1

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions", "rounding_and_49percent"], "original_researcher_record_unchanged": true}
R077-C007 Saved research record

§668.21 has a different express program list: Perkins, FSEOG, TEACH, Pell, ACG, and National SMART for its all-funds rule; FFEL and Direct Loan funds receive separate treatment. Its wording is not interchangeable with §668.22(a)(3).

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.21(a)(1)–(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["nonattendance"], "original_researcher_record_unchanged": true}
R077-C008 Saved research record

A “recipient” for §668.22 is a student for whom §668.164(j)(2)’s conditions have been met. That includes a processed official aid record before loss of eligibility and, for the specified programs, timely origination or award. Receipt of cash alone is not the definition.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(l)(4); S006 §668.164(j)(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["cash_late_disbursement"], "original_researcher_record_unchanged": true}
R077-C009 Saved research record

The selected rules distinguish institution, student, and parent PLUS borrower. §668.2’s parent definition includes biological/adoptive parents and the specified stepparent circumstance; a participating institution must be eligible, meet Subpart B standards, and have a current participation agreement. The separate §668.2 “student” definition expressly limited to Subparts Q/S and §668.43(d) must not be imported into R2T4.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S004 §668.2, complete selected definitions. Full institutional eligibility and parent-loan eligibility remain held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C010 Saved research record

Academic engagement requires active participation in an institution-defined instructional activity consistent with applicable accreditor/State requirements. Covered examples include interactive class attendance, assignments, examinations, interactive instruction, assigned group/discussion activity, and academic interaction with an instructor. Housing, meal-plan use, logging in without participation, and academic counseling/advisement alone are excluded.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S003 §600.2, “Academic engagement,” complete definition.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C011 Saved research record

For §668.22, academic attendance/activity must include academic engagement; the institution must determine and document it. A student’s unsupported certification is insufficient. This is an evidentiary rule, not a finding that any absent record proves misconduct.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(l)(7).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C012 Saved research record

A modular program uses a standard or nonstandard-term calendar, is not subscription-based, and has a course or courses shorter than the full period. “Substantially equal” permits no term more than two instructional weeks longer than another. Nonstandard status depends on the incorporated §690.63(a)(1)–(2) calendar tests.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(l)(5)–(8); S004 §668.4(h); S005.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C013 Saved research record

A subscription program charges by subscription for each term with an expected credit quantity; coursework need not start/end within that term. Enrollment status is established for the program, changeable no more than once per academic year. Subsequent-disbursement credit requirements aggregate applicable status-based credits for attended terms, excluding the current and most recently attended terms; less-than-half-time terms use at least one credit or equivalent.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S004 §668.2, complete “Subscription-based program.” This definition does not establish anyone’s entitlement.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C014 Saved research record

Full-time is an institution-determined, uniformly applied workload subject to the applicable minimum and course-repeat rules. Half-time generally means at least half the applicable full-time minimum, with a separate sole-correspondence rule. The complete category-dependent numerical standards are recorded in M031–M032; a familiar “six credits” shorthand is not universal.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S004 §668.2, complete full-time and half-time definitions. ecfr.gov

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C015 Saved research record

Credit hours and clock hours are distinct legal units. Credit-hour equivalence permits different delivery methods/calendars but requires the defined institutional/accreditor framework. Clock-hour definitions include specified instructional-minute and monitored-distance-activity conditions. Certain undergraduate credit-hour programs require the separate §668.8(k)–(l) conversion unless a stated exception applies.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S003 §600.2; S004 §668.8(k)–(l); M033–M034. No program conversion performed.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C016 Saved research record

An award year runs July 1–June 30. An academic year is an instructional/hours construct under §668.3, with a conditional Secretary-approved reduced-week route. These terms cannot be substituted for one another in the disaster waiver or period calculation.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S003 “Award year”; S004 complete §668.3; M035.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C017 Saved research record

For eligible credit-hour programs using standard terms or substantially equal nonstandard terms, §668.4(a) makes the academic term the payment period. Unequal nonstandard terms use different grant/Perkins and FFEL/Direct Loan definitions.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S004 §668.4(a)–(b), subject to unresolved (d).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C018 Saved research record

In the specified unequal-term loan, nonterm-credit, and clock-hour categories, payment periods depend on successful completion of both hours and weeks, using the program, academic year, or remaining portion as the prescribed base. Remaining portions at or below half an academic year receive different treatment from portions above half. If completion of half the hours cannot be determined under (c), the later of half the coursework and half the weeks governs. Excused clock-hour absences require written policy and the least of the applicable accreditor, State, and 10% limits.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S004 §668.4(b)(2), (c), (e), (h)(2); M036–M037.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C019 Saved research record

For §668.4(c) programs, same-program reentry within 180 days keeps the same payment period, subject to stated agency/lender conditions. Reentry after 180 days or transfer generally creates new periods from remaining hours/weeks. Same-institution transfer may retain the period only with continuous enrollment, substantially similar coursework, substantially equal hours/weeks, little or no charge change, and acceptance of credits.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S004 §668.4(f)–(g), all nested conditions.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C020 Saved research record

R2T4 uses a payment period for standard-term programs. Nonterm and nonstandard-term programs may use payment period or enrollment period, but must use the selected basis consistently within each specified category—students attending from the beginning, reentering students, and transferring students—in the same program.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(e)(5)(i)–(ii), (l)(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C021 Saved research record

For unequal nonstandard terms where payment-period treatment is chosen, aid under both §668.4(b)(1) and (b)(2) requires use of the period ending later, including attributable aid from overlapping periods. If aid uses only one definition, that definition controls.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(e)(5)(iii).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C022 Saved research record

If the student does not begin attendance in the relevant payment/enrollment period, the institution must return all listed Perkins/grant funds credited to the institutional account or disbursed directly to the student for that period. The rule does not use the withdrawal earned-percentage calculation.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.21(a)(1). ecfr.gov

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["nonattendance"], "original_researcher_record_unchanged": true}
R077-C023 Saved research record

For FFEL/Direct funds, the institution must return all loan funds credited to the institutional account and payments made directly by or on behalf of the student to the institution for the period, up to the total loan funds disbursed. These are different payment categories; the text does not establish an actual balance.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.21(a)(2)(i)(A)–(B).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["nonattendance"], "original_researcher_record_unchanged": true}
R077-C024 Saved research record

For remaining FFEL/Direct amounts disbursed directly to the student, the institution ordinarily is not responsible for returning those amounts, but must immediately notify the lender or Secretary upon awareness that attendance will not or did not begin, so the referenced final-demand process can occur. The section expressly includes specified study-abroad/foreign-school disbursements, but the current §682.207 subclauses could not be retrieved.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.21(a)(2)(ii); S009/S011 for demand rules. Foreign-disbursement mechanics remain partial.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["nonattendance"], "original_researcher_record_unchanged": true}
R077-C025 Saved research record

The preceding institutional nonresponsibility does not apply where the institution knew before making the direct FFEL/Direct disbursement that attendance would not begin: it must return those funds.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.21(a)(2)(iii). Knowledge and sequence are absent.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["nonattendance"], "original_researcher_record_unchanged": true}
R077-C026 Saved research record

For §668.21, inability of the institution to document attendance at any class during the relevant period results in the Secretary treating attendance as not begun. This is not a rule that missing one class establishes nonattendance, nor proof that any attendance establishes all underlying aid eligibility.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.21(c).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["nonattendance"], "original_researcher_record_unchanged": true}
R077-C027 Saved research record

Institutional returns under §668.21 must occur as soon as possible and no later than 30 days after institutional awareness. Deposit/transfer, EFT initiation, FFEL adjustment transaction, and check routes have distinct specified acts. A check fails the rule if issued after day 30 or endorsed by the Secretary/lender’s bank after day 45.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.21(b), (d); S006 §668.163(a)–(b) for the referenced institutional account.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["nonattendance"], "original_researcher_record_unchanged": true}
R077-C028 Saved research record

The incorporated FFEL route requires lender learning and substantiation of the specified ineligibility circumstances. Its nonattendance branch includes withdrawal/expulsion before classes or failure to attend and unpaid/unreturned proceeds. The demand concerns the ineligible principal plus specified accrued interest; the 30-day mailing-triggered response/payment rule and conditional consequences are not proof of actual default.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S011 §682.412(a)–(e), §682.411(f). Broad collection/default-claim procedures remain held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C029 Saved research record

The Direct Loan cross-reference requires a Secretary determination under §685.211(e), with its own enumerated ineligibility predicates. The demand is for ineligible principal and accrued interest within 30 days after mailing; failure has the specified default consequence. No inference of false information, fraud, ineligibility, mailing, or noncompliance is permissible from this generic framework.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S009 §685.211(e)(1)–(4).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C030 Saved research record

Subject to all exceptions, credit-hour withdrawal includes failure to complete all scheduled days; clock-hour withdrawal includes failure to complete all scheduled clock hours and weeks of instructional time. Attendance must first have begun for §668.22(a)(1).

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(1), (a)(2)(i)(A)–(B).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C031 Saved research record

Standard/nonstandard-term programs other than subscription programs have a withdrawal condition when no further course is scheduled for more than 45 calendar days after the end of the ceased-attendance module. Nonterm/subscription programs use inability to resume for more than 60 calendar days after cessation. Approved LOA is an express exception.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(2)(i)(C)–(D).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C032 Saved research record

Completing all program graduation requirements before completing scheduled days/hours is an express nonwithdrawal category. Mere completion of some coursework is not that category.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(2)(ii)(A)(1).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C033 Saved research record

In a modular program, successful completion of one module or combined modules containing at least 49% of payment-period days—excluding scheduled breaks of at least five consecutive days and all days between modules—or successful completion of at least the institution’s applicable half-time coursework provides a nonwithdrawal route.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(2)(ii)(A)(2); S004 §668.2.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C034 Saved research record

The handbook’s 49% test uses the applicable payment-period/program calendar, not the separate individualized R2T4 denominator. It excludes all between-module days, counts overlapping days once, addresses intersessions and home-institution consortium calendars, and does not permit rounding a result below 49% up to eligibility.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S016 Ch.1, complete selected module-exemption discussion. G; actual calendar/classification absent.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["rounding_and_49percent"], "original_researcher_record_unchanged": true}
R077-C035 Saved research record

Written confirmation must be obtained at the time the student otherwise would be a withdrawal. Modular return must be in the same payment/enrollment period; the standard/nonstandard non-subscription route also requires the later module to begin within 45 calendar days after the prior module ends. Subscription confirmation requires same-period return within 60 calendar days; nonterm confirmation uses the stated 60-calendar-day limit.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(2)(ii)(A)(3)–(5).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C036 Saved research record

A confirmed return date may be changed in writing before the previously confirmed date, subject to the same-period and 45/60-day conditions. Failure to return as scheduled makes the student a withdrawal, with withdrawal date and denominator determined as if the confirmation had not been given.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(2)(ii)(B)–(C).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C037 Saved research record

Same-program modular reentry before the period ends can restore eligibility for prior eligible assistance, including returned funds, only subject to Secretary conditions and enrollment status supporting the full amount. Clock/nonterm same-program reentry within 180 calendar days invokes the same-period rule and its conditions.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(2)(iii); S004 §668.4(f).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C038 Saved research record

The full-refund exemption requires all of: records treating the student as never having attended that period; return of all disbursed Title IV grant/loan assistance including student/parent credit balances; refund of all institutional charges for the period; and cancellation/write-off of the period balance owed because of the institution’s return of aid to ED.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(2)(ii)(A)(6)(i)–(iv). ecfr.gov

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C039 Saved research record

ED describes this exemption as optional, usable under institutional policy, and distinct from actual §668.21 nonattendance. Initial aid eligibility and attendance documentation must be retained. Continued attendance in non-Title-IV courses prevents the required never-attended treatment. The exemption is not a general cancellation of every obligation.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S014 full-refund discussion; S015 complete exemption explanation.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C040 Saved research record

An institution is required to take attendance for this purpose if an outside entity requires it, the institution requires instructors to do it, or an institution/outside requirement can be met only through attendance-taking or a comparable process.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(b)(3)(i).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C041 Saved research record

A requirement for only some students applies to those students. A requirement for a limited period applies during that period; a student present at the last required attendance-taking who later ceases attendance is treated under the nonrequired category. A requirement on only one census-reporting day does not by itself make the institution attendance-required.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(b)(3)(ii)–(iv).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C042 Saved research record

For attendance-required students, the withdrawal date is the last academic-attendance date from institutional records, including failed/unapproved LOA cases. The institution must document that date within 14 days of last attendance and maintain the documentation as of determination. ED explains that this is a documentation requirement, not automatic administrative withdrawal after an absence.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(b)(1)–(2); S014 attendance-documentation discussion; S015.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C043 Saved research record

At a nonrequired institution, official withdrawal uses the date the prescribed process began or official oral/written notification occurred. If both occur, the earlier date applies unless a later academically related activity date is properly used.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(c)(1)(i)–(ii), (c)(2)(ii), (c)(3).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C044 Saved research record

Without official notification, the regulatory starting rule is the period midpoint. If illness, accident, grievous loss, or another circumstance beyond the student’s control prevented the process/notice, including notice by someone acting for the student, the institution may determine a date related to that circumstance. No circumstance is established here.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(c)(1)(iii)–(iv); S001 §1091b(c).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C045 Saved research record

An institution may permit rescission of official withdrawal through a written statement of continued academic participation and intent to complete. Later cessation negates that rescission and restores the original date unless a later activity date is properly established.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(c)(2)(i).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C046 Saved research record

A nonrequired institution may use documented last attendance at an academically related activity notwithstanding its general date rules. Both the academic nature of the activity and attendance must be documented. The statute’s unofficial-withdrawal clause expressly describes midpoint or a later documented date; the regulation’s (c)(3) wording is broader. No judicial reconciliation is supplied.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(c)(3); S001 §1091b(c)(1)(A)(iii).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C047 Saved research record

Official notification must reach an institution-designated office; the institution must designate one or more readily contactable offices. The date and basis must be documented and retained as of determination. This establishes no actual notice or delivery.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(c)(4)–(5).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C048 Saved research record

For nonrequired institutions, determination date is: official withdrawal—later of withdrawal date or notification; unofficial—awareness of cessation; failed approved LOA—earlier of leave end or notice of nonreturn; negated rescission—awareness the period was/will not be completed; unapproved LOA—leave start. These are not a universal definition for every attendance-required situation.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(l)(3)(i)–(v).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C049 Saved research record

A nonrequired institution must determine the withdrawal date for an unnotified withdrawal no later than 30 days after the earliest ending of the applicable payment/enrollment period, academic year, or educational program. This is distinct from the return deadline.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(j)(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C050 Saved research record

An approved LOA requires a formal written/publicized policy; student compliance; reasonable expectation of return; approval under the policy; no additional institutional charges; the duration limit; the applicable coursework-return rule; and preapproval explanation to loan recipients of failure-to-return effects, including possible grace-period exhaustion.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(d)(1), (d)(3)(iii); S001 §1091b(a)(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C051 Saved research record

Total approved LOA days must not exceed 180 in any 12-month period. The first day of the initial leave begins the counting and the 12-month period. A signed, dated, reason-stating request generally precedes leave; unforeseen circumstances permit later collection if the institution documents its decision.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(d)(1)(vi), (d)(3); M012.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C052 Saved research record

The coursework-resumption condition has express exceptions for clock-hour, nonterm-credit, subscription, and eligible prison education programs. The prison-program addition changes that condition only; the remaining LOA requirements still apply. Qualification as an eligible prison program is independently conditioned and not established.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(d)(1)(vii); S014 prison-program discussion; S031.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C053 Saved research record

Failure to resume attendance at or before approved-leave end requires withdrawal treatment. For nonrequired institutions, failed or unapproved leave generally uses leave start as the withdrawal date; attendance-required institutions use their last-attendance records.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(d)(2), (b)(1), (c)(1)(v)–(vi).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["attendance_dates_LOA", "definitions_and_timing"], "original_researcher_record_unchanged": true}
R077-C054 Saved research record

Earned assistance is the earned percentage applied to qualifying assistance disbursed and that could have been disbursed for the selected period, measured as of the withdrawal date. This base is not simply cash in the student’s possession.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 §1091b(a)(3)(A); S002 §668.22(e)(1).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C055 Saved research record

Credit-hour completion uses calendar days completed in the selected period divided by total included calendar days in that period, as of the withdrawal date, with the regulatory exclusions. It does not use credits passed as its R2T4 fraction.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(f)(1)(i), (f)(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C056 Saved research record

Clock-hour completion uses hours scheduled since the student began attendance in that payment/enrollment period, through withdrawal, divided by total clock hours in that period. The schedule must predate the beginning class date, match published program materials unless modified before withdrawal, and meet applicable accreditor/State standards. It is not an actual-hours-attended fraction.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(f)(1)(ii)(A)–(C); S014 clock-hour amendment.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C057 Saved research record

Scheduled breaks of at least five consecutive days are excluded from both completed and total calendar days. The total excludes approved-LOA days and qualifying modular breaks when no module/other course is scheduled. Under current (l)(9), module days become scheduled only when attendance in that module begins. The 49% exemption uses its separately stated exclusions.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(f)(2), (l)(9), contrasted with (a)(2)(ii)(A)(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C058 Saved research record

At or before the 60% point, the earned percentage is the completed fraction. After 60%, it is 100%. Equality at 60% does not satisfy “after.” The unearned percentage is the complement of the earned percentage.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 §1091b(a)(3)(B)–(C); S002 §668.22(e)(2)–(3).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C059 Saved research record

Handbook rounding uses dollars/cents to the nearest penny; final return/PWD amounts may be rounded to the nearest dollar, but no upward disbursement rounding may exceed annual/aggregate/lifetime limits. Fractions are calculated to four decimal places and rounded to three, with fourth digit at least five rounding upward; the specific greater-than-60% exception prevents a fraction just over 60% from being rounded down to 60%.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S016 Ch.1, “Rounding.” G; no calculation performed. 2026-2027 Federal Student Aid Handbook

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["rounding_and_49percent"], "original_researcher_record_unchanged": true}
R077-C060 Saved research record

The handbook uses net loan amounts for disbursed and potentially disbursable aid. Aid disbursed by determination is generally included, but inadvertent disbursement after cessation and before determination is classified as potentially disbursable. Undisbursed grants may not simply replace loans already disbursed.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S016 Ch.2 Part1, Step 1. Underlying disbursement definition and deemed dates: S006 §668.164(a).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C061 Saved research record

§668.164(j)(2) requires the processed official aid record and program-specific origination/award before the student becomes ineligible. The handbook additionally explains the signed-note condition by calculation time, the effect of declining/failing an institutional affirmative-confirmation process, period limits, and Pell lifetime/Direct Loan aggregate limits. The regulation still says EFC; the current handbook says SAI.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S006 §668.164(j)(1)–(2); S016 Step 1 and funds-limit headings; discrepancy C107.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["cash_late_disbursement"], "original_researcher_record_unchanged": true}
R077-C062 Saved research record

Counting aid as potentially disbursable does not establish that it may be paid after withdrawal. §668.164(j)(4) prohibits late disbursement after the outer 180-day limit; prohibits a second/subsequent Direct disbursement absent successful completion of its loan period; imposes the first-year/first-time limitation unless an exemption applies; and requires a valid SAR/ISIR by the separately published deadline.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S006 §668.164(j)(4), complete. Annual deadline notice not selected because no award year/application is supplied.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["cash_late_disbursement"], "original_researcher_record_unchanged": true}
R077-C063 Saved research record

The first-year/first-time Direct Loan restriction concerns the defined prior-loan history and the first 30 days of the program. Its institutional exceptions depend on the exact cohort-rate categories, fiscal-year sets, strict percentages, loan-disbursement date, study-abroad role, and later Secretary notification stated in §685.303(b)(5). None is inferred from a school label or asserted rate.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S010 §685.303(b)(5)(i)–(iii); M026. Full cohort-rate calculation rules held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C064 Saved research record

Under §668.22, compare earned assistance with assistance disbursed as of determination: excess disbursed assistance is the return amount; excess earned assistance enters the PWD route. Where earned is less than disbursed, no additional disbursement for that period is permitted. Equality creates neither difference under those clauses.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(4)–(5), (e)(4).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C065 Saved research record

The statutory “amount not earned” clause applies the unearned percentage to disbursed plus potentially disbursable aid as of withdrawal. Regulatory (e)(4) defines the amount to be returned as aid disbursed as of determination minus earned aid. These are not interchangeable expressions. Statutory (a)(4)(B) also addresses received assistance exceeding earned assistance. No silent algebraic harmonization or validity conclusion is made.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 §1091b(a)(3)(C), (a)(4)(B); S002 §668.22(e)(4).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C066 Saved research record

The institution’s regulatory return is the lesser of the total unearned amount to be returned and institutional charges for the selected period multiplied by the unearned percentage. Student grant protection does not reduce this institutional formula.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(g)(1); compare S001 §1091b(b)(1).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C067 Saved research record

Institutional charges include tuition, fees, institution-contracted room/board, and other assessed educationally related expenses. For a nonterm program calculated by payment period but charged over a longer period, the charge base is the greater of prorated longer-period charges or Title IV assistance retained for institutional charges as of withdrawal.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(g)(2)–(3); S006 §668.164(c)(5).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C068 Saved research record

The handbook generally uses charges initially assessed, adjusted for legitimate changes before withdrawal, not subsequent refund-driven reductions. Other aid paying charges does not by itself reduce the charge base. Ledger placement alone does not decide whether a charge is institutional. These ordinary-calculation statements must be read subject to the separate full-refund exemption.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S016 Ch.1, institutional-charge headings; S002 §668.22(a)(2)(ii)(A)(6).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C069 Saved research record

Official charge guidance addresses required materials with no real/reasonable unaffiliated purchase option; requires documentation for claimed alternatives; and provides a conditional documented-cost exclusion for nonreturnable equipment or equipment not returned in good condition within 20 days. A reasonable, consistent, fair policy disclosed at enrollment is necessary; declaring all used items nonreturnable is not sufficient. Application fees, specified continuing insurance, discretionary charges, and refundable damage deposits receive distinct treatment.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S016 Ch.1, complete institutional/noninstitutional, equipment-return, and alternative-purchase headings. G; no actual policy inspected.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C070 Saved research record

Crediting a PWD is constrained by §668.164(c), not merely by an account balance. Current-period tuition/fees/institutional room-board and properly authorized educational goods/services are distinguished. Book/supply inclusion has alternative conditions; prior-year charges are capped at $200 with “current year” determined by loan/award-year rules. Prior current-year unpaid allowable charges require eligibility in that period.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S006 §668.164(c)(1)–(5), §668.165(b); M029.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["formula_and_charges"], "original_researcher_record_unchanged": true}
R077-C071 Saved research record

The student-side amount is the total unearned amount to return minus the institution’s required return. This is a program allocation, not proof of a school’s enforceable receivable.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(h)(1)–(2); S001 §1091b(b)(2)(A).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C072 Saved research record

Loan amounts allocated to the student—or parent for parent PLUS—are repaid according to loan terms. Grants are treated as overpayments subject to the selected protection and repayment provisions. A grant and a loan do not acquire identical immediate payment treatment.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(h)(3); S001 §1091b(b)(2)(B).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C073 Saved research record

Regulatory grant protection excludes the portion at or below 50% of total grants disbursed plus potentially disbursable for the period. After applying it, an overpayment of $50 or less for a grant program, which is not a remaining balance, is not required to be returned. This is not a $50 write-off of a larger balance reduced through payments.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(h)(3)(ii)(A)–(B); S023 explanation.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C074 Saved research record

The statute states 50% of total grant assistance received and a minimum exception for amounts of $50 or less. The regulation adds “could have been disbursed,” program-specific wording, and the nonremaining-balance qualification. These textual differences are preserved.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 §1091b(b)(2)(C); S002 §668.22(h)(3)(ii); S020 §8022.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C075 Saved research record

The institution must send a withdrawal-related grant-overpayment notice within 30 days of determination. The student-side eligibility-preserving window uses the earlier of 45 days after notice is sent or 45 days after it was required to be sent, with repayment or the specified agreement during that window. This is a sending-based rule, not a receipt presumption.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(h)(4)(i)–(ii).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C076 Saved research record

An institution choosing a repayment agreement must permit repayment while maintaining eligibility and require full repayment within two years of determination. Referral is required for failure to act within the window, breach of the institutional agreement, or election of a Secretary agreement. The specified loss/regaining of eligibility is conditional; it is not an actual award determination.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(h)(4)(iii)–(vi), complete.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C077 Saved research record

Disaster waiver is discretionary with the Secretary and requires the specified residence/employment/institution location, a presidential major-disaster declaration, disaster-caused interruption, and temporal condition. The statute says withdrawal “ended” within the academic year or next; the regulation says withdrawal “occurred” within the award year or next. The 2006 preamble explains its award-year choice; it does not erase the textual difference. The waiver concerns student grant returns, not institutional returns.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 §1091b(b)(2)(D)–(E); S002 §668.22(h)(5); S013; S018–S019; S023–S024.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C078 Saved research record

Current regulatory returns are credited to outstanding balances for the relevant period in this order: unsubsidized Direct Stafford; subsidized Direct Stafford; Direct PLUS received on behalf of the student; then Pell; Iraq and Afghanistan Service Grant; FSEOG; TEACH. Remaining-grant ordering follows repayment of the specified outstanding loan amounts.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(i)(1)–(2).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C079 Saved research record

Statutory ordering separately lists §1078-8 loans, §1078 loans, unsubsidized nonparent Direct loans, subsidized Direct loans, Part E loans, §1078-2 loans, and parent Direct loans; then Part A subparts 1 and 3 and other covered assistance. That statutory list is retained separately from the narrower current regulation; it does not prove current origination availability for every listed program.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 §1091b(b)(3), complete.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["student_grants_disaster_order", "statute"], "original_researcher_record_unchanged": true}
R077-C080 Saved research record

The institution’s withdrawal return must be made as soon as possible and no later than 45 days after determination. §668.173(b) specifies the qualifying deposit/transfer/EFT/adjustment/check acts; a check fails if issued after day 45 or bank-endorsed after day 60. This is distinct from §668.21’s 30/45 framework.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S001 §1091b(b)(1); S002 §668.22(j)(1); S007 §668.173(b).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C081 Saved research record

PWDs use available grant funds before loan funds. Grant PWDs may be credited up to outstanding allowable charges; loan PWD credits require borrower confirmation in addition to allowable-charge rules.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(6)(i), (ii)(A); S006 §668.164(c).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C082 Saved research record

Grant PWD amounts not credited to the account must be disbursed directly as soon as possible and no later than 45 days after determination. This is different from the loan-confirmation process.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(6)(ii)(B)(1).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C083 Saved research record

Within 30 days of determination, the institution must provide written loan-PWD notification to the student or parent PLUS borrower identifying type/amount, requesting confirmation for credit/direct payment, explaining partial acceptance/declination, possible institutional concurrence for redirecting declined account credits, repayment obligation, and response consequence.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(6)(iii)(A)(1)–(5), complete; S001 §1091b(a)(4)(A).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C084 Saved research record

The loan-PWD response period is 14 days from sending, or a later institutional deadline. The same deadline applies to account-credit and direct-payment confirmation. This is not an automatic right to receive declined account-credit funds directly.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(6)(iii)(A)(3), (A)(5), (B).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C085 Saved research record

A timely confirmation requires disbursement in the specified manner as soon as possible, no later than 180 days after determination, subject to the other late-disbursement prohibitions and valid underlying eligibility.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(6)(iii)(C); S006 §668.164(j)(4).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C086 Saved research record

A late response may be honored only on the stated basis, including disbursing all accepted funds, or declined. A late-response denial must be communicated in writing. No response permits no loan PWD. Notification results and final decision must be documented.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §668.22(a)(6)(iii)(D)–(F), (iv).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["definitions_and_timing", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C087 Saved research record

Late disbursement is broader than withdrawal: §668.164(j)(3) separately addresses completed periods and students who cease half-time enrollment without withdrawing. Those categories cannot be relabeled as PWDs. For clock/nonterm programs, Pell/TEACH later-period payment also requires completion of the preceding paid period and other program prerequisites.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S006 §668.164(j)(3); S034 §690.75(a), §686.31(a).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["cash_late_disbursement"], "original_researcher_record_unchanged": true}
R077-C088 Saved research record

Written authorizations under §668.165(b) must be voluntary, explain the activity/time period, and permit cancellation/modification. The ordinary §668.165(a) notification/cancellation framework expressly distinguishes §668.22 PWDs; its ordinary periods must not be substituted for the PWD periods. Authorization to retain credit balances has its own limits.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S006 §668.165(a)–(b), complete selected body.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C089 Saved research record

Required consumer information separately identifies the institution’s refund policy, official withdrawal procedure, and a summary of R2T4 requirements. The federal disclosure obligation is not evidence of any particular policy’s terms or compliance.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S002 §668.22(k); S008 §668.43(a)(2)–(4).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C090 Saved research record

For Direct Loans, the Secretary applies an institutional refund/return received under §668.22 against outstanding principal and notifies the borrower. This is a crediting rule; it does not establish discharge of the entire loan or the amount of any remaining obligation.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S009 §685.211(c), complete.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C091 Saved research record

Ordinary Title IV return, institutional tuition refund, and a possible institutional receivable are separate legal questions. The full-refund exemption is an express narrow exception requiring cancellation of the specified return-created institutional balance. Neither ordinary return nor the exemption resolves unrelated contracts, charges, debts, or private enforcement.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 §§668.21, 668.22(g)–(h), (a)(2)(ii)(A)(6); S008; S016 introductory distinctions.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["statute", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C092 Saved research record

The selected bodies do not determine private-loan liability, general discharge/cancellation, bankruptcy, credit reporting, collection status, dependency/PLUS underwriting, cosigner obligations, State protections, or an individual refund/payment strategy. These are outside this component, not presumed unavailable.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
Scope conclusion from complete S001–S002 and the bounded cross-references; exact next inquiries appear below.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["statute", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C093 Saved research record

PL 105-244 §485 rewrote HEA §484B with a specific implementation provision two years after enactment and optional earlier compliance. The 1999 rule separately states July 1, 2000 effectiveness, October 7, 2000 mandatory implementation, and permitted November 1, 1999 early implementation of the entire package for all subsequent withdrawals without reversion.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S017 §485(e), §3; S021 Dates/Implementation. Historical, not present deadlines.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C094 Saved research record

The two September 21, 2005 Acts added the separate Pell and other-grant student-return disaster waivers using the statutory academic-year/“ended” language.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S018–S019, complete enacted bodies.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C095 Saved research record

PL 109-171 §8022 introduced the relevant scheduled-clock-hour, multiple-LOA, loan-confirmation, 45-day institutional return, and 50%/$50 grant-protection amendments; §8001(c) supplies July 1, 2006 effectiveness absent another provision.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S020, complete selected clauses.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C096 Saved research record

The 2002 rule amended selected LOA and related provisions, with July 1, 2003 effectiveness and permitted November 1, 2002 early implementation. Current LOA treatment comes from the current text and later amendments, not this historical version alone.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S022 instruction 11 and Dates.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C097 Saved research record

The 2006 interim/final instruments implemented the selected statutory changes. The final instrument changed disaster wording from “ended” to “occurred” while retaining award-year treatment. The preamble explains award-year treatment because relevant grants are awarded by award year.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S023 instruction 13/preamble; S024 instruction 4.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C098 Saved research record

The 2007 rule supplies the complete nonattendance return structure and the material loan-PWD confirmation/timing revision read here; it became effective July 1, 2008 with permitted earlier implementation.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S025 instructions 5 and selected complete PWD amendment.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C099 Saved research record

The 2008 selected amendments added TEACH treatment to §§668.21–.22; their July 1, 2008 effective date does not establish the full current TEACH service/repayment regime.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S026 instructions 8–9 and Dates.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C100 Saved research record

The 2010 rule materially revised attendance requirements and withdrawal organization and renumbered relevant paragraphs. Its selected provisions became effective July 1, 2011.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S027 instruction 18 and Dates.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C101 Saved research record

The actual 2015 amendatory body places late-disbursement rules in §668.164(j), effective July 1, 2016. Current (i) instead concerns early disbursements.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S028 selected complete (j); S006 current (i)–(j).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C102 Saved research record

The 2020 rule added/revised the modular and subscription withdrawal routes and definitions, with July 1, 2021 effectiveness and September 2, 2020 permitted early implementation. Its former module-scheduling rule was later replaced by the 2025 amendment.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S029 instruction 20; S014 instruction 12.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C103 Saved research record

The 2025 final rule adopted the full-refund exemption, attendance-documentation, prison-program LOA, clock-hour, and module changes. It did not finalize the proposed ordinary-note treatment for never-attending loan recipients or the proposed general distance-education attendance mandate. A proposal is not current operative text.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S014 complete relevant preamble sections and instruction 12.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["2025_adoption"], "original_researcher_record_unchanged": true}
R077-C104 Saved research record

Current §668.22(a)(5) points to §668.164(i). Actual 2020 instruction 20(g) made that change, while instructions 20(i)–(j) changed §668.22(l)(1)/(4) to §668.164(j). The mismatch is authenticated, not repaired by assumption. The independently read current (j) supplies the expressly labeled late-disbursement rules.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S002 (a)(5), (l)(1)/(4); S029 instruction 20(g), (i)–(j); S006.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["cash_late_disbursement", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C105 Saved research record

Other numbering issues remain: §668.164(j)(3)(i) references §668.22(a)(4)/(5), while current PWD treatment is in (a)(5)/(6); §668.22(a)(6)(iii)(A)(5) points to (C) for a late response, while (D) contains the late-response choice. Each operative adjacent clause was read; no claimed official correction was found/read.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S006 §668.164(j)(3)(i); S002 §668.22(a)(6)(iii)(A)(5), (C)–(D).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["cash_late_disbursement", "withdrawal_exceptions"], "original_researcher_record_unchanged": true}
R077-C106 Saved research record

§668.4(d) invokes §682.604(c)(10) and §685.301(b)(8). Those paragraphs are not present in the current target bodies inspected. Application of that payment-period exception therefore remains unresolved; no replacement provision is silently substituted.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S004 §668.4(d); S010 §685.301(b); S011 §682.604.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C107 Saved research record

Current regulation says official EFC; the 2026–2027 handbook uses official SAI. PL 117-103 §102’s actual text authenticates the delayed implementation dates and limited early treatment, but the original PL 116-260 body failed retrieval. The complete substantive replacement/application chain is therefore partial.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S006 §668.164(j)(2)(i); S016 Step1; S032; S033 failure.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C108 Saved research record

The encountered 2026 future rule generally takes effect July 1, 2027, with separate August 31, 2026 instructions. Its inspected definition-change list and §668.43(d) instruction do not replace the selected current full-time/half-time definitions or §668.43(a)(2)–(4). The broader rule was not investigated.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S030 Dates, instructions 5 and 8.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C109 Saved research record

Source failures and differing compilation dates limit certification. No failure proves repeal, absence of law, defective credentials, or an operational/model limit. No exhaustive review of uncodified special relief, later amendments, judicial treatment, or actual implementation is claimed.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
Source/failure registers; S001–S034 read bounds.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["statute", "nonattendance"], "original_researcher_record_unchanged": true}
R077-C110 Saved research record

“Eligible prison education program” has cumulative program/institution, oversight approval, credit-transfer, adverse-action, licensing/employment, and exception predicates in §668.236. The LOA carveout does not establish those predicates or dispense with the rest of the LOA rule.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S031 complete (a)–(c); S002 §668.22(d)(1)(vii). Incorporated qualification regimes held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C111 Saved research record

The master-calendar statute generally postpones regulatory changes not final by November 1 before the relevant award year until the prescribed later award year; it permits the Secretary to designate earlier implementation through a Federal Register notice with conditions/timing. An institution’s election has effect under those designated terms.

Recorded check status: original atomic record reconciled not freshly verified

Exact authority and scope
S012 §1089(c)(1)–(2), complete.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": [], "original_researcher_record_unchanged": true}
R077-C112 Saved research record

FSA’s 2026 announcement instructs calculation within 30 days after withdrawal determination and return within 45 days; the general calculation statement is agency instruction. Current §668.22’s express 30-day provisions have their own particular subjects, including unofficial determination, loan-PWD notice, and grant-overpayment notice. The 14-day attendance provision concerns documentation.

Recorded check status: selected consequential scope checked remaining incorporations history application held

Exact authority and scope
S015; S002 §668.22(b)(2), (a)(6)(iii), (h)(4)(ii), (j).

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "No new material contradiction established in selected scope. Original qualifications/conflicts/remaining statute-regulation-incorporation/history/secondary/currentness/actual-application holds persist; source-linked group not blanket verification of every sentence.", "selected_evidence_groups": ["agency_implementation"], "original_researcher_record_unchanged": true}

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

R077-P1-S001 Saved research record

Office of the Law Revision Counsel, 20 USC 1091b—Institutional refunds. https://uscode.house.gov/us/usc/119-124/t20/s1091b/

Recorded check status: selected primary body checked with limits

Exact actual read bounds
Complete §1091b(a)–(e), source credit, displayed editorial/amendment/effective-date notes. HTML; no PDF index.
Version, status, application, and limits
Displayed through PL 119-124, October 15, 2026. Enacted statutory text in current compilation; selected original enactments separately authenticated below. Earlier failed endpoints remain in the failure log. Not an exhaustive later-law audit. uscode.house.gov
Direct source URLs
https://uscode.house.gov/us/usc/119-124/t20/s1091b/
https://uscode.house.gov/us/usc/119-124/t20/s1091b/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Complete selected1091b(a)–(e) read via unionnativeL22–178; sourcecredit/selectednotes also retained. CompilationthroughPL119124October15,2026 is not exhaustivecurrentness/judicial authentication. Statutory/regulatory base/date/disaster differences remain unresolved.", "original_researcher_record_unchanged": true}
R077-P1-S002 Saved research record

Department of Education; OFR/GPO eCFR, 34 CFR Part 668, Subpart B, §§668.21 and 668.22. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.21 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.22

Recorded check status: selected primary body checked with limits

Exact actual read bounds
Complete §668.21(a)–(d) and complete §668.22(a)–(l), including source credits and nested clauses. HTML.
Version, status, application, and limits
Latest displayed currency October 26, 2026; title last amended October 8, 2026. Earlier retrieval displayed October 23. Current eCFR compilation, authoritative but unofficial. §668.22’s material 2025 amendments became effective July 1, 2026, subject to specified early implementation. Same regulatory instrument, not independent corroboration. ecfr.gov +2
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.21
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.22
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.21?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.22?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Complete668.21a–d and668.22a–l union proven. Fresh title34headerOctober27,2026/lastamendedOctober8 differs originalOctober26 snapshot; neither silently replaces original. Sourcecredit/currentcompilation not fulladoption/legalstatus audit; incorporateddefinitions/targets separately held.", "original_researcher_record_unchanged": true}
R077-P1-S003 Saved research record

ED/OFR/GPO, 34 CFR 600.2—Definitions. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete selected definitions: academic engagement, academic year/award-year-related terminology where present, clock hour, credit hour, correspondence course, distance education, educational program, eligible institution. Remainder not adopted as a complete eligibility dossier. HTML.
Version, status, application, and limits
Latest title currency October 26, 2026. Current codification; individual definitions’ complete amendment chains not reconstructed. Incorporated institutional/accreditation qualifications remain held. ecfr.gov +1
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S004 Saved research record

ED/OFR/GPO, 34 CFR Part 668, Subpart A. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.3 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.8

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
§668.2: complete selected definitions full-time, half-time, subscription-based program, parent, participating institution, FWS, SAR/ISIR, and scope-limited “student”; relevant program definitions. Complete §§668.3 and 668.4. §668.8 (k)–(l) complete, with introductory context; not whole §668.8.
Version, status, application, and limits
Latest title currency October 26, 2026. Current codification. §668.4(d) contains cross-references not matched by current target paragraphs; preserved as unresolved. Full institutional/program eligibility remains outside scope. ecfr.gov +3
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.2
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.3
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.4
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.8
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.2?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.3?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.4?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-A/section-668.8?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S005 Saved research record

ED/OFR/GPO, 34 CFR 690.63—Calculation of a Federal Pell Grant for a payment period. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-F/section-690.63

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete (a)(1)–(2) for standard/nonstandard calendar classification. Other Pell calculation provisions not read as a complete regime. HTML.
Version, status, application, and limits
Latest title currency October 26, 2026. Used only for §668.22(l)(8)’s calendar boundary, not a Pell award computation. ecfr.gov
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-F/section-690.63
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-F/section-690.63?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S006 Saved research record

ED/OFR/GPO, 34 CFR Part 668, Subpart K—Cash Management. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.163 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.164 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.165

Recorded check status: selected primary body checked with limits

Exact actual read bounds
§668.163 (a)–(b); §668.164 (a)–(c), (d)(1)–(3), (h), (i), (j), (m) complete selected clauses; beginning of (d)(4) encountered, not full bank-arrangement regime. §668.165 (a)–(b) complete.
Version, status, application, and limits
Latest title currency October 26, 2026. §668.164(j) is the current late-disbursement provision; (i) addresses early disbursement. Other cash-management, account, unclaimed-payment, and delivery regimes not completed. ecfr.gov +3
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.163
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.164
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.165
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.163?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.164?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-K/section-668.165?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Fresh selected668.164a,h,i,j andc3–5 only. No whole668.163,668.164,668.165 or completecreditingauthorizations check. EFC/currenti-vs-j andoldPWDcrossreferences retained unresolved.", "original_researcher_record_unchanged": true}
R077-P1-S007 Saved research record

ED/OFR/GPO, 34 CFR 668.173—Refund reserve standards. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-L/section-668.173

Recorded check status: selected primary body checked with limits

Exact actual read bounds
Complete (b), with necessary surrounding applicability context. Reserve, audit, and letter-of-credit regime not adopted. HTML.
Version, status, application, and limits
Latest title currency October 26, 2026. Used for institutional return methods and check-timeliness conditions. ecfr.gov
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-L/section-668.173
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-L/section-668.173?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Fresh668.173a–b selectedincludingwholeb45/60bank-acts. Remainingreserveframework not freshlycertified.", "original_researcher_record_unchanged": true}
R077-P1-S008 Saved research record

ED/OFR/GPO, 34 CFR 668.43—Institutional and programmatic information. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-D/section-668.43

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete (a)(2)–(4) with introductory requirement. No actual disclosure or institutional policy inspected.
Version, status, application, and limits
Latest title currency October 26, 2026. Future amendment to paragraph (d) examined separately; it is not a substitute for these selected paragraphs. ecfr.gov
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-D/section-668.43
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-D/section-668.43?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S009 Saved research record

ED/OFR/GPO, 34 CFR 685.211—Miscellaneous repayment provisions. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-B/section-685.211

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete (c) and (e). Other repayment, rehabilitation, and collection provisions not adopted.
Version, status, application, and limits
Latest title currency October 26, 2026. Narrow incorporation from §668.21 and principal-credit distinction only; no actual default or collection finding. ecfr.gov
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-B/section-685.211
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-B/section-685.211?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S010 Saved research record

ED/OFR/GPO, 34 CFR 685.303—Processing loan proceeds, and 685.301—Origination. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.303 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.301

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
§685.303 (b)(1), (b)(4)–(5) complete; adjacent (b), selected (d), and (f) inspected for limits. §685.301 current paragraph structure and (b) read to test §668.4(d)’s reference.
Version, status, application, and limits
Latest title currency October 26, 2026. No complete origination, loan-limit, cohort-default-rate, or promissory-note dossier. Current §685.301(b) does not contain (b)(8). ecfr.gov +1
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.303
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.301
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.303?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-C/section-685.301?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S011 Saved research record

ED/OFR/GPO, 34 CFR 682.412, 682.411, 682.604. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.412 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.411 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-F/section-682.604

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete §682.412(a)–(e); §682.411(f) complete with adjacent delinquency context; current §682.604 body inspected to test the referenced (c)(10).
Version, status, application, and limits
Latest title currency October 26, 2026. §682.604 now concerns exit counseling and has no (c)(10). Broader FFEL collection/default-claim machinery held. §682.207 failures logged separately. ecfr.gov +2
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.412
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.411
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-F/section-682.604
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.412?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-D/section-682.411?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-682/subpart-F/section-682.604?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S012 Saved research record

OLRC, 20 USC 1089—Master calendar. https://uscode.house.gov/us/usc/119-124/t20/s1089/

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete (c)(1)–(2). Other master-calendar requirements not adopted. HTML.
Version, status, application, and limits
Compilation through PL 119-124, October 15, 2026. Statutory final-publication/award-year and designated early-implementation framework. uscode.house.gov
Direct source URLs
https://uscode.house.gov/us/usc/119-124/t20/s1089/
https://uscode.house.gov/us/usc/119-124/t20/s1089/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S013 Saved research record

OLRC, 42 USC 5170—Procedure for declaration. https://uscode.house.gov/us/usc/119-124/t42/s5170/

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete (a)–(c). No declaration, geographic list, disaster record, or broader Stafford Act dossier inspected.
Version, status, application, and limits
Compilation through PL 119-124, October 15, 2026. Used only to identify the formal presidential-declaration predicate incorporated by the return provisions. uscode.house.gov
Direct source URLs
https://uscode.house.gov/us/usc/119-124/t42/s5170/
https://uscode.house.gov/us/usc/119-124/t42/s5170/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S031 Saved research record

ED/OFR/GPO, 34 CFR 668.236—Eligible prison education program. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-P/section-668.236

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
Complete (a)–(c) read. Its incorporated program, institution, oversight, accreditation, licensing, and best-interest regimes not completed.
Version, status, application, and limits
Latest title currency October 26, 2026. Establishes that the LOA exception refers to a conditioned legal category, not simply incarceration or a program label. Qualification remains held. ecfr.gov
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-P/section-668.236
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-P/section-668.236?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S034 Saved research record

ED/OFR/GPO, 34 CFR 690.75—Determination of eligibility for payment; 686.31—Determination of eligibility for payment and cancellation of a TEACH Grant. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-G/section-690.75 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-686/subpart-D/section-686.31

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds
§690.75 complete body; §686.31 complete (a) and adjacent (b)–(e) encountered. Reliance limited to preceding-payment-period completion and the cumulative prerequisites in (a).
Version, status, application, and limits
Latest rechecks October 26, 2026; earlier cached views displayed October 20 and October 2 respectively. Full grant eligibility, service obligations, cancellation, and satisfactory-progress remedies held. ecfr.gov +1
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-G/section-690.75
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-686/subpart-D/section-686.31
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-690/subpart-G/section-690.75?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-686/subpart-D/section-686.31?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S014 Saved research record

ED, Program Integrity and Institutional Quality: Distance Education and Return of Title IV, HEA Funds, final rule. https://www.govinfo.gov/content/pkg/FR-2025-01-03/pdf/2024-31031.pdf

Recorded check status: selected primary body checked with limits

Exact actual read bounds; printed page / PDF index
Dates and Implementation V, printed 470–471 / indices 0–1; complete relevant R2T4 discussion of unadopted nonattendance proposal, full-refund exemption, attendance documentation, unadopted distance-attendance proposal, prison-program LOA, clock-hour and module changes, 483–489 / 13–19; complete instruction 12 amending §668.22, p.504 / index34. Not all 35 pages.
Status and dates
Published January 3, 2025; generally effective July 1, 2026. Specified early implementation February 3, 2025 for the full-refund exemption and prison-program LOA provision. Preamble interpretation distinguished from amendatory text. govinfo.gov +2
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2025-01-03/pdf/2024-31031.pdf
https://www.govinfo.gov/content/pkg/FR-2025-01-03/pdf/2024-31031.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Fresh35pagePDFselecteddates/implementation/instruction12/optionalexemptionpreamble only; no whole6663line/pixelclaim. P34index/printed504 distinguished; 14daycalendar explanation remainingpreamble not allfresh.", "original_researcher_record_unchanged": true}
R077-P1-S015 Saved research record

Federal Student Aid, GENERAL-26-20—Implementation of R2T4 Regulations Effective July 1, 2026. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2026-03-27/implementation-return-title-iv-funds-r2t4-regulations-effective-july-1-2026

Recorded check status: selected primary body checked with limits

Exact actual read bounds; printed page / PDF index
Complete substantive announcement body, including implementation, withdrawal exemption, attendance documentation, modules, clock hours, and LOA explanation. HTML.
Status and dates
Posted March 27, 2026. Official operational interpretation, not a regulation. States application to withdrawal, cessation of attendance, or beginning approved LOA on/after July 1, 2026. No actual implementation verified. Knowledge Center
Direct source URLs
https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2026-03-27/implementation-return-title-iv-funds-r2t4-regulations-effective-july-1-2026
https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2026-03-27/implementation-return-title-iv-funds-r2t4-regulations-effective-july-1-2026?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Fresh complete narrowimplementationannouncement operativeparagraphs inclonafterJuly1,2026 withdrawal/cessation/LOA; officialguidance distinguished from regulation. Native numericalexample not adoptednewscenario.", "original_researcher_record_unchanged": true}
R077-P1-S016 Saved research record

FSA, 2026–2027 Federal Student Aid Handbook, Volume 5, Chapter 1 and Chapter 2 Parts 1–2. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch1-general-requirements-withdrawals-and-return-title-iv-funds ; https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-1 ; https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-2

Recorded check status: selected primary body checked with limits

Exact actual read bounds; printed page / PDF index
Chapter 1: complete selected headings on introductory distinctions, withdrawal exemptions/49% denominator, institutional charges through proration, rounding, included funds and limits. Chapter 2 Part 1: complete selected Step 1 aid categories; selected attendance, overlapping periods, and clock-hour discussions. Part 2 only introductory extract successfully read; later body retrieval failed. No whole-volume claim.
Status and dates
Edition 2026–2027. Ch.1 and Ch.2 Part1 displayed last modified June 20, 2026, with older host publication dates March 28, 2021 and January 11, 2022. Official guidance; not an independent source of legislation. Published numerical stories were not adopted or reproduced. 2026-2027 Federal Student Aid Handbook +3
Direct source URLs
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch1-general-requirements-withdrawals-and-return-title-iv-funds
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-1
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-2
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch1-general-requirements-withdrawals-and-return-title-iv-funds?utm_source=chatgpt.com
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-1?utm_source=chatgpt.com
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol5/ch2-steps-return-title-iv-aid-calculation-part-2?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Fresh chapter1 selectedrounding/49%calendar/half-time andfundparagraphs only. No freshcompletechapter1 orchapter2part1; originalchapter2part2timeouts protected. Originalnetloans/charges/equipment20day andotherunreopenedpassages stay attributed.", "original_researcher_record_unchanged": true}
R077-P1-S017 Saved research record

Congress/GPO, PL 105-244, Higher Education Amendments of 1998. https://www.govinfo.gov/content/pkg/PLAW-105publ244/html/PLAW-105publ244.htm

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Complete §485, rewriting HEA §484B, 112 Stat.1737–1741; §3 general effective clause. HTML statutory pagination; no PDF index. Rest of Act not read.
Status and dates
Enacted October 7, 1998. §484B(e)’s specific two-year implementation/early-election language distinguished from §3’s general October 1, 1998 effective rule. govinfo.gov +2
Direct source URLs
https://www.govinfo.gov/content/pkg/PLAW-105publ244/html/PLAW-105publ244.htm
https://www.govinfo.gov/content/pkg/PLAW-105publ244/html/PLAW-105publ244.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S018 Saved research record

Congress/GPO, PL 109-66, Pell Grant Hurricane and Disaster Relief Act. https://www.govinfo.gov/content/pkg/PLAW-109publ66/html/PLAW-109publ66.htm

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Complete enacted body and approval; 119 Stat.1999–2000. HTML; no PDF index.
Status and dates
Approved September 21, 2005. Adds Pell student-return waiver authority; no separate delayed effective clause found in the complete short Act. govinfo.gov
Direct source URLs
https://www.govinfo.gov/content/pkg/PLAW-109publ66/html/PLAW-109publ66.htm
https://www.govinfo.gov/content/pkg/PLAW-109publ66/html/PLAW-109publ66.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S019 Saved research record

Congress/GPO, PL 109-67, Student Grant Hurricane and Disaster Relief Act. https://www.govinfo.gov/content/pkg/PLAW-109publ67/html/PLAW-109publ67.htm

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Complete enacted body and approval; 119 Stat.2001–2002. HTML.
Status and dates
Approved September 21, 2005. Adds corresponding other-grant waiver authority; no separate delayed effective clause found. govinfo.gov
Direct source URLs
https://www.govinfo.gov/content/pkg/PLAW-109publ67/html/PLAW-109publ67.htm
https://www.govinfo.gov/content/pkg/PLAW-109publ67/html/PLAW-109publ67.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S020 Saved research record

Congress/GPO, PL 109-171, Higher Education Reconciliation Act provisions. https://www.govinfo.gov/content/pkg/PLAW-109publ171/html/PLAW-109publ171.htm

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Complete §8022, 120 Stat.178–179; complete §8001(c) effective clause. Printed page for the latter was not separately established in the selected HTML extract. Whole Act not read.
Status and dates
Enacted February 8, 2006; selected amendments effective July 1, 2006, except otherwise provided. govinfo.gov +1
Direct source URLs
https://www.govinfo.gov/content/pkg/PLAW-109publ171/html/PLAW-109publ171.htm
https://www.govinfo.gov/content/pkg/PLAW-109publ171/html/PLAW-109publ171.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S021 Saved research record

ED, Student Assistance General Provisions; FFEL; Direct Loan, 1999 final rule. https://www.govinfo.gov/content/pkg/FR-1999-11-01/pdf/99-28315.pdf

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates/implementation, 59016 / index0; complete instruction 5’s then-new §668.22, 59038–59042 / indices22–26. Not all 29 pages.
Status and dates
Published November 1, 1999; regulatory effective date July 1, 2000; stated mandatory implementation October 7, 2000; early implementation from November 1, 1999 with entire-rule, all-withdrawals, and no-reversion conditions. Historical text, later amended. govinfo.gov +3
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-1999-11-01/pdf/99-28315.pdf
https://www.govinfo.gov/content/pkg/FR-1999-11-01/pdf/99-28315.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S022 Saved research record

ED, Federal Student Aid Programs, 2002 final rule. https://www.federalregister.gov/documents/2002/11/01/02-27627/federal-student-aid-programs

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates and complete selected instruction 11, §668.22, printed 67073; HTML, no PDF index.
Status and dates
Published November 1, 2002; selected rule effective July 1, 2003; permitted early implementation November 1, 2002. Unrelated differently effective provision not imported. federalregister.gov +1
Direct source URLs
https://www.federalregister.gov/documents/2002/11/01/02-27627/federal-student-aid-programs
https://www.federalregister.gov/citation/67-FR-67073?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S023 Saved research record

ED, Federal Student Aid Programs, 2006 interim final rule. https://www.federalregister.gov/documents/2006/08/09/06-6696/federal-student-aid-programs

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates; complete instruction 13 amending §668.22, printed 45694–45696; complete selected grant-protection and disaster explanation, including 45671–45672 context. HTML.
Status and dates
Published August 9, 2006; effective September 8, 2006. Historical interim final rule; separate information-collection approval condition noted, later approval notice not authenticated. federalregister.gov +1
Direct source URLs
https://www.federalregister.gov/documents/2006/08/09/06-6696/federal-student-aid-programs
https://www.federalregister.gov/citation/71-FR-45694?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S024 Saved research record

ED, Federal Student Aid Programs, 2006 final rule. https://www.federalregister.gov/documents/2006/11/01/E6-18183/federal-student-aid-programs

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates and complete instruction 4, §668.22, printed 64397. HTML.
Status and dates
Published November 1, 2006; effective December 1, 2006. Changes include written late-PWD outcome, grant-program wording, and disaster “occurred” wording. federalregister.gov
Direct source URLs
https://www.federalregister.gov/documents/2006/11/01/E6-18183/federal-student-aid-programs
https://www.federalregister.gov/citation/71-FR-64397?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S025 Saved research record

ED, Federal Student Aid Programs, 2007 final rule. https://www.govinfo.gov/content/pkg/FR-2007-11-01/pdf/E7-21083.pdf

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Header dates; complete instruction 5’s §668.21 and complete instruction 6’s PWD paragraph, printed 62027–62028 / indices13–14. Other amendments selected only; not whole 21-page instrument.
Status and dates
Published November 1, 2007; effective July 1, 2008; early implementation permitted November 1, 2007. Historical source for current nonattendance and PWD architecture. govinfo.gov +2
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2007-11-01/pdf/E7-21083.pdf
https://www.govinfo.gov/content/pkg/FR-2007-11-01/pdf/E7-21083.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S026 Saved research record

ED, TEACH Grant Program and Other Federal Student Aid Programs, final rule. https://www.federalregister.gov/documents/2008/06/23/E8-13587/the-teacher-education-assistance-for-college-and-higher-education-teach-grant-program-and-other

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates and complete selected instructions 8–9, §§668.21–.22, printed 35493. HTML.
Status and dates
Published June 23, 2008; effective July 1, 2008. TEACH additions only; full service/loan-conversion regime not investigated. federalregister.gov +1
Direct source URLs
https://www.federalregister.gov/documents/2008/06/23/E8-13587/the-teacher-education-assistance-for-college-and-higher-education-teach-grant-program-and-other
https://www.federalregister.gov/citation/73-FR-35493?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S027 Saved research record

ED, Program Integrity Issues, 2010 final rule. https://www.federalregister.gov/documents/2010/10/29/2010-26531/program-integrity-issues

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates; complete instruction 18, §668.22, printed 66951–66952. HTML.
Status and dates
Published October 29, 2010; selected changes effective July 1, 2011. Includes attendance/category and numbering changes; later module amendments separately read. federalregister.gov
Direct source URLs
https://www.federalregister.gov/documents/2010/10/29/2010-26531/program-integrity-issues
https://www.federalregister.gov/citation/75-FR-66951?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S028 Saved research record

ED, Program Integrity and Improvement, 2015 final rule. https://www.govinfo.gov/content/pkg/FR-2015-10-30/pdf/2015-27145.pdf

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates; complete amendatory §668.164(j), printed 67199–67200 / indices73–74. Other cash-management amendments not completed; not whole 76-page rule.
Status and dates
Published October 30, 2015; selected rule effective July 1, 2016. Establishes actual adopted late-disbursement paragraph (j). govinfo.gov
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2015-10-30/pdf/2015-27145.pdf
https://www.govinfo.gov/content/pkg/FR-2015-10-30/pdf/2015-27145.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S029 Saved research record

ED, Distance Education and Innovation, 2020 final rule. https://www.govinfo.gov/content/pkg/FR-2020-09-02/pdf/2020-18636.pdf

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates/implementation, 54742–54743 / indices0–1; complete instruction 20, §668.22, 54816–54818 / indices74–76. Not whole 77-page instrument.
Status and dates
Published September 2, 2020; effective July 1, 2021; early implementation permitted September 2, 2020. Actual instruction changes §668.22(a)(5)’s reference to (i) while changing (l)(1)/(4) to (j). govinfo.gov +2
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2020-09-02/pdf/2020-18636.pdf
https://www.govinfo.gov/content/pkg/FR-2020-09-02/pdf/2020-18636.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S030 Saved research record

ED, Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: STATS and Earnings Accountability, final rule. https://www.federalregister.gov/documents/2026/07/01/2026-13286/accountability-in-higher-education-and-access-through-demand--driven-workforce-pell-student-tuition

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Dates; complete instruction 5’s list of §668.2 definitions changed; instruction 8’s scope revising §668.43(d), and selected replacement text. Printed locators 40280, 40282; HTML. Not the whole earnings-accountability regime.
Status and dates
Published July 1, 2026; generally effective July 1, 2027, except instructions 13–14 effective August 31, 2026. The selected future definition changes do not rewrite the full-time/half-time definitions used here; instruction 8 concerns (d), not (a)(2)–(4). federalregister.gov +2
Direct source URLs
https://www.federalregister.gov/documents/2026/07/01/2026-13286/accountability-in-higher-education-and-access-through-demand--driven-workforce-pell-student-tuition
https://www.federalregister.gov/citation/91-FR-40282?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S032 Saved research record

Congress/GPO, PL 117-103, Division R, FAFSA Simplification Act Technical Corrections Act. https://www.govinfo.gov/content/pkg/PLAW-117publ103/html/PLAW-117publ103.htm

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
Complete §102(a)–(c), 136 Stat.819–820. Other divisions and substantive FAFSA formulas not completed. HTML.
Status and dates
Enacted March 15, 2022. Authenticates changes to July 1, 2024/award year 2024–2025 and specified earlier-implementation conditions. Original PL 116-260 body retrieval failed; complete SAI replacement chain therefore remains partial. govinfo.gov
Direct source URLs
https://www.govinfo.gov/content/pkg/PLAW-117publ103/html/PLAW-117publ103.htm
https://www.govinfo.gov/content/pkg/PLAW-117publ103/html/PLAW-117publ103.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original researcher attribution and exact limits preserved; no fresh body or comprehensive incorporation/adoption/currentness certification. Failed/discovery-only routes never converted to read authority.", "original_researcher_record_unchanged": true}
R077-P1-S033 Saved research record

Congress/GPO, PL 116-260, Division FF, Title VII, discovery target only. https://www.govinfo.gov/content/pkg/PLAW-116publ260/html/PLAW-116publ260.htm ; https://www.govinfo.gov/content/pkg/PLAW-116publ260/pdf/PLAW-116publ260.pdf ; https://www.congress.gov/116/plaws/publ260/PLAW-116publ260.pdf

Recorded check status: original record reconciled body not freshly reopened

Exact actual read bounds; printed page / PDF index
No successful original-body read: HTML size limit, PDF parse failure, and restricted alternate URL.
Status and dates
Failed/discovery-only source; supports no substantive proposition. S032’s actual amendatory body and S016’s current guidance do not substitute for reading this missing original.
Direct source URLs
https://www.govinfo.gov/content/pkg/PLAW-116publ260/html/PLAW-116publ260.htm
https://www.govinfo.gov/content/pkg/PLAW-116publ260/pdf/PLAW-116publ260.pdf
https://www.congress.gov/116/plaws/publ260/PLAW-116publ260.pdf

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "source_checks": "[internal evidence reference]", "scope": "Original discovery/failure-only source; no operativePL116260 or1087kk body retrieved or freshness certified. Protectedoversize/parse/restrictedaccess routes not retried.", "original_researcher_record_unchanged": true}

What was examined—and what is still missing

The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.

coverage-1 Saved research record

1(a) Complete selected current bodies

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered: complete statute and both regulations read.
Claim/source/branch links
C001; S001–S002
Missing evidence or authority; exact next permissible inquiry
Full later-law/judicial certification not claimed; recheck official compilations and subsequent amendatory instruments.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-2 Saved research record

1(b) Definitions, nested clauses, exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered within selected bodies; partial incorporations.
Claim/source/branch links
C005–C021, C030–C053; S003–S013/S031/S034
Missing evidence or authority; exact next permissible inquiry
Full institutional/program eligibility, cohort-rate and prison-program qualification regimes held; trace only a newly indispensable clause.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-3 Saved research record

1(c) Version/legal publication status

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered with separate compilation/access/effectiveness labels.
Claim/source/branch links
C001–C004/C109; source register
Missing evidence or authority; exact next permissible inquiry
No unseen UI/model verification; no complete uncodified-law audit.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-4 Saved research record

1(d) Recent amendments, mandatory/early implementation

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered for material 2020/2025 instruments; future 2026 boundary bounded.
Claim/source/branch links
C002–C003/C102–C108/C111; S014/S029/S030
Missing evidence or authority; exact next permissible inquiry
Actual early election absent; inquire only into generic application clauses.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-5 Saved research record

2(a) Programs and exclusions

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered text; program availability held.
Claim/source/branch links
C005–C009/C078–C079; B01/B23
Missing evidence or authority; exact next permissible inquiry
Current origination/award eligibility not inferred from legacy names; read relevant program transition if necessary.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-6 Saved research record

2(b) Generic institution/student/parent roles

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered within return mechanism.
Claim/source/branch links
C008–C009/C071–C072
Missing evidence or authority; exact next permissible inquiry
Full eligibility/parent PLUS underwriting excluded.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-7 Saved research record

2(c) Payment/enrollment/academic structures

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered; §668.4(d) partial.
Claim/source/branch links
C012–C021/C106; S004/S005; B14
Missing evidence or authority; exact next permissible inquiry
Authenticate missing target paragraphs or corrective rule; no substitute assumed.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-8 Saved research record

2(d) Attendance, engagement, leave, modules

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered conditional framework.
Claim/source/branch links
C010–C013/C030–C053; B03–B13
Missing evidence or authority; exact next permissible inquiry
No actual academic/attendance determination; generic interpretations only.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-9 Saved research record

3(a) Nonattendance trigger and covered funds

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
C022–C026; S002; B02–B03
Missing evidence or authority; exact next permissible inquiry
Program/period/attendance facts absent; no facts sought.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-10 Saved research record

3(b) Institution/direct-recipient allocation and knowledge exception

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered; foreign-disbursement incorporation partial.
Claim/source/branch links
C023–C025/C028–C029; S009–S011
Missing evidence or authority; exact next permissible inquiry
Current §682.207 subclauses inaccessible; obtain ordinary official text if needed.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-11 Saved research record

3(c) Notices, deadlines, methods

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered text; actual service/counting held.
Claim/source/branch links
C024/C027–C029; M002–M003
Missing evidence or authority; exact next permissible inquiry
No awareness/mailing/bank event; read generic delivery/counting authority before computation.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-12 Saved research record

3(d) No attendance versus evidence failure/withdrawal

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
C026/C030/C038–C039; D01–D02
Missing evidence or authority; exact next permissible inquiry
No fraud/default/error inference.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-13 Saved research record

4(a) Required/nonrequired attendance categories

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
C040–C042; D04/B05
Missing evidence or authority; exact next permissible inquiry
Actual requirement absent; no institution lookup.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-14 Saved research record

4(b) Official/unofficial/activity date

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered text; statutory broader-regulation reconciliation held.
Claim/source/branch links
C043–C047; S001–S003
Missing evidence or authority; exact next permissible inquiry
Clarify exact statutory/regulatory difference through generic corrective/interpretive authority.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-15 Saved research record

4(c) Withdrawal date versus determination

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
C048–C049; D03/M010–M011
Missing evidence or authority; exact next permissible inquiry
Attendance-required determination details beyond selected guidance remain bounded.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-16 Saved research record

4(d) LOA, failure to return, rescission

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered; prison qualification partial.
Claim/source/branch links
C045/C050–C053/C110; B08–B09
Missing evidence or authority; exact next permissible inquiry
Full prison-program qualification incorporated regimes not completed.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-17 Saved research record

4(e) Modules, return confirmation, reentry, completion exemptions

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered conditional rules.
Claim/source/branch links
C031–C039; B10–B12
Missing evidence or authority; exact next permissible inquiry
Actual schedule/completion/confirmation absent; no chronology created.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-18 Saved research record

5(a) Earned/unearned bases and comparison

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered regulatory mechanism; statutory wording difference unresolved.
Claim/source/branch links
C054/C064–C065; S001/S002
Missing evidence or authority; exact next permissible inquiry
No mathematical harmonization assumed; inspect generic corrective interpretation.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-19 Saved research record

5(b) Numerator/denominator, days/hours, breaks

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
C055–C057; M014–M015
Missing evidence or authority; exact next permissible inquiry
Period, schedule, breaks, module attendance absent.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-20 Saved research record

5(c) Threshold/equality/rounding

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered, with guidance status explicit.
Claim/source/branch links
C033–C034/C058–C059; M006/M013/M027
Missing evidence or authority; exact next permissible inquiry
No calculation or example.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-21 Saved research record

5(d) Period selection and unequal-period attribution

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered except stale exemption.
Claim/source/branch links
C017–C021/C106
Missing evidence or authority; exact next permissible inquiry
Resolve §668.4(d) separately.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-22 Saved research record

5(e) Charges, net/gross, credited/disbursed/could

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered selected framework.
Claim/source/branch links
C060–C070; S006/S016
Missing evidence or authority; exact next permissible inquiry
Actual charges and eligibility absent; annual record deadline not selected.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-23 Saved research record

5(f) Institution/student/parent, order, grant protection

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered; statutory/regulatory differences preserved.
Claim/source/branch links
C066–C080
Missing evidence or authority; exact next permissible inquiry
No actual allocation/receivable established.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-24 Saved research record

6(a) PWD grant/loan offer, confirmation, partial acceptance

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
C081–C086; S002
Missing evidence or authority; exact next permissible inquiry
No notice or acceptance created.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-25 Saved research record

6(b) Allowable credit and authorization

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered narrow clauses; full banking/delivery held.
Claim/source/branch links
C070/C088; S006
Missing evidence or authority; exact next permissible inquiry
Full §668.164(d)(4)–(g) account-arrangement regime not completed.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-26 Saved research record

6(c) PWD/late-disbursement timing and restrictions

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered; annual deadline and rate computation held.
Claim/source/branch links
C062–C063/C082–C087
Missing evidence or authority; exact next permissible inquiry
Read applicable generic annual Federal Register deadline only when the award-year legal question is specified.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-27 Saved research record

6(d) Grant overpayment notice/protection/agreements

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
C073–C077; M019–M020
Missing evidence or authority; exact next permissible inquiry
No agreement, waiver, eligibility, or receipt result.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-28 Saved research record

6(e) Loan-note treatment and program return

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered narrow distinction.
Claim/source/branch links
C072/C090–C092
Missing evidence or authority; exact next permissible inquiry
Full loan contract, servicing, collection, and discharge excluded.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-29 Saved research record

7(a) Actual enacted/amendatory/effective bodies

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered for listed material instruments; not exhaustive history.
Claim/source/branch links
C093–C103; S017–S029
Missing evidence or authority; exact next permissible inquiry
Unread earlier predecessors, separate information-collection notice, later history remain explicit.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-30 Saved research record

7(b) Statute/regulation/manual discrepancies

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Partial/unresolved reconciliation.
Claim/source/branch links
C046/C065/C074/C077/C104–C107
Missing evidence or authority; exact next permissible inquiry
Exact corrective interpretation or amendment not established.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-31 Saved research record

7(c) Necessary handbook bounds

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered selected headings; Part2 body unavailable.
Claim/source/branch links
C004/C034/C059–C061/C068–C070; S016
Missing evidence or authority; exact next permissible inquiry
No reliance on unread Part2 body; retry ordinary original if additional question requires it.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-32 Saved research record

7(d) Failures/ordinary alternatives

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered log.
Claim/source/branch links
C109; failure log
Missing evidence or authority; exact next permissible inquiry
No inference of legal absence or workaround.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-33 Saved research record

8(a) Tuition refund/institutional balance

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered separation and narrow exemption.
Claim/source/branch links
C038/C089–C091; D11/B30
Missing evidence or authority; exact next permissible inquiry
Contracts/State refund law excluded; no actual policy read.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-34 Saved research record

8(b) Discharge, bankruptcy, collection, credit, private/parent liability

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Excluded with reason: separate regimes.
Claim/source/branch links
C092; B31
Missing evidence or authority; exact next permissible inquiry
Next inquiry must name a distinct generic legal regime, not actual records.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-35 Saved research record

9(a) Required comparisons

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered/qualified individually in D01–D16.
Claim/source/branch links
Claims/sources in each comparison row
Missing evidence or authority; exact next permissible inquiry
Partial items explicitly marked; no actual classification.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-36 Saved research record

9(b) All relied-on quantities

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered in M001–M055.
Claim/source/branch links
Exact clauses/claims in each row
Missing evidence or authority; exact next permissible inquiry
No actual values, dates, or computing conventions invented.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-37 Saved research record

9(c) Optional model

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Excluded by choice with reason: no need for populated or universal model.
Claim/source/branch links
C054–C080; measurement register
Missing evidence or authority; exact next permissible inquiry
Missing classifications and unresolved cross-references prevent a single application model.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-38 Saved research record

10(a) At least20 substantive branches

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered with31 branches.
Claim/source/branch links
B01–B31
Missing evidence or authority; exact next permissible inquiry
Each contains predicates, adverse inference, next inquiry, and status.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-39 Saved research record

10(b) Adapt unsupported premises

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered: unadopted proposals, legacy lists, and missing references not treated as current permissions.
Claim/source/branch links
C103–C107; B05/B14/B23/B27
Missing evidence or authority; exact next permissible inquiry
No padding with invented rules.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-40 Saved research record

11(a) Wholly blank worksheet

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered.
Claim/source/branch links
Section6
Missing evidence or authority; exact next permissible inquiry
All authority/evidence/analysis/result cells blank.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}
coverage-41 Saved research record

11(b) No intake, screening, records, operative documents

Recorded check status: recorded; no individual primary acceptance inferred

Status and finding
Answered as research conduct.
Claim/source/branch links
Worksheet and self-check
Missing evidence or authority; exact next permissible inquiry
No actual or invented record, financial allocation, notice, or recommendation created.

Recorded coordinator check boundaries

coordinator acceptance
scoped_reviewed_with_original_holds_not_parent_acceptance
coordinator review
{"at": "2026-10-29T09:26:08.220303+00:00", "review_file": "[internal evidence reference]", "scope": "Literal coverage/topic/links reconciled; answered/partial/held researcher distinctions retained. Selected source checks do not close currentness/judicial/incorporation/contract/application or originalG01–G12 gaps. No invented coverage ID or parent acceptance.", "original_researcher_record_unchanged": true}

Corrections, review and scope

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

scoped coordinator review completed with original primary history currentness application holds

Other components in this research series

Download this complete public research record (JSON)
Record integrity

Original saved Markdown SHA-256: 991cc74cdec4a3619e53735d1a6a9a81bc6b2d805c63cb908021332294ba6051. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

Get debt settlement help