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Credit Check Processing for Borrowers with a "Credit Freeze"

A message from the US Department of Education Common Origination & Disbursement (COD)  

10/13/17 (Excerpt) As a result of recent data breach events and heightened security concerns, many consumers are understandably taking steps to protect their personally identifiable information (PII). One of those steps may be placing a “credit freeze” on their credit profile at one or more of the credit bureaus, which prevents further credit activity from occurring without additional consent.

Because a credit check is part of the process when a borrower or endorser completes a Direct PLUS Loan Request or an Endorser Addendum on the StudentLoans.gov website, borrowers or endorsers with an active credit freeze may not be able to fully complete either process and may receive an error message when the credit check is run. The borrower or endorser must remove the credit freeze first; this action cannot be done by the school or Federal Student Aid.

Note: Federal Student Aid can process an inquiry at two of the three main credit bureaus (currently Equifax and TransUnion).  Federal Student Aid is working to include additional messaging on the StudentLoans.gov website to inform borrowers and endorsers that those who have a credit freeze on their credit profile will need to remove it before completing a Direct PLUS Loan Request or the Endorser Addendum. 

Get information about lifting a security freeze.

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IRS Data Retrieval Tool (IRS DRT) Available for 2018-19   

The IRS DRT is available to use with the 2018-19 FAFSA form. Additional security and privacy protections have been added to address concerns that data from the tool could be used by identity thieves to file fraudulent tax returns. The IRS DRT will not return for the 2017-2018 form. The IRS DRT remains the fastest, most accurate way to input your tax return information into the FAFSA form. 

1819 FAFSA screenshot

For your privacy, the tax information you transfer from the IRS into your FAFSA form won’t be visible to you. Instead, you will see “Transferred from the IRS” in the appropriate fields on fafsa.gov, the IRS DRT web page, and on the Student Aid Report

Also, if you filed an amended tax return, you now may be eligible to use the IRS DRT.

Although the IRS DRT is unavailable to use when completing the 2017‒18 FAFSA form, you can still apply at fafsa.gov and manually enter your tax return information.

Remember: The 2017–18 FAFSA form requires your 2015 tax data. 

Got your tax return or transcript in hand, and not sure what goes where on the FAFSA form? You can still fill out the FAFSA form without access to the IRS DRT.

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Maintaining Financial Aid Eligibility

Once you’ve filled out your Free Application for Federal Student Aid (FAFSA) form and received your grant, loan, or work-study funds to help you pay for college or career school, make sure you stay eligible throughout the academic year—and in subsequent years.

 

Calendar

2018-2019 FAFSA available now!

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View and register for upcoming Chat Tuesday Sessions 

View Outreach Calendar 

October 24 

Chat Tuesday! "Things to Know Before You Go:

December Graduates Preparation" 

November 7

Chat Tuesday! "Financial Aid for Education Abroad/Transient Study" 

November 7 

Bill Due Date 

November 13 

Seahawk Salute  UNCW Bookstore 

November 21 

Chat Tuesday : "FYSA Info Session"

November 22 

No Classses

November 23-24

Thanksgiving State Holiday University Closed

November 27 

Classes Resume

November 28 

Bill Due Date 

November 30 

Last Day of Classes 

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