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<strong>Common Manual</strong> – A policy and procedure manual summarizing unified student loan policy that is published by NCHELP. The Common Manual is updated regularly by a committee of FFEL Program agencies.
<strong>Economic hardship</strong> – A period during which the borrower is working full time but is earning an amount that does not exceed the greater of the minimum wage or the poverty line for a family of two. Economic hardship also exists if a borrower' s monthly payments on federal student loans are equal to or greater than 20 percent of his/her monthly income.
<strong>Rescheduling a disbursement</strong> – A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. Within CommonLine 4 files, this transaction is referred to as a disbursement date change and is located within the @1-09 record.
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