HomeMy WebLinkAbout03-0939F:WILES~DATAFILE~DickinsonCollect.doc\40.coml
Created: 11/02/02 12:09:16AM
Revised: 02/28/03 11:52:36AM
DICKINSON COLLEGE, Plaintiff
V.
TARA E. JONES,
Defendant
13/THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03. 93'~ ~
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by attorney and filing in writing with the court
your defenses or objections to the claims set forth against you. You are warned that if you fail to do
so, the case may proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the Complaint or for any other claim or relief
requested by the Plaintiffs. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
Telephone (717) 249-3166
Date:
MARTSON DEARDO]~FF^WILLIAMS
By~~
David R. Galloway, ~quire
I.D. Number 87326
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
& OTTO
Attomeys for Plaintiff
DICKINSON COLLEGE, :
Plaintiff :
V. :
TARA E. JONES, :
Defendant :
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 0-3- 939
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
COMPLAINT
AND NOW, comes Plaintiff Dickinson College by and through its attorneys, MARTSON
DEARDORFF WILLIAMS & OTTO, and hereby avers as follows:
1. Plaintiff Dickinson College is a Pennsylvania educational institution and nonprofit
corporation with its principle place of business at West Street, Post Office Box 1773, Carlisle,
Cumberland County, Pennsylvania 17013.
2. Defendant Tara E. Jones is an adult individual with a last known residence at 639
Plymouth Road, Apt. A-2, Baltimore, Baltimore County, Maryland, 21229.
3. On or about September 2, 1992, Defendant entered into a Promissory Note - Federal
Perkins Loan Program ("Note #1") with Plaintiff. A copy of Note #1 is attached hereto as Exhibit
4. Note #1 provided for the financing of $2,000.00 plus interest and costs by Defendant
on her own behalf for educational services and benefits at Plaintiff's institution.
5. On or about October 3, 1992, Defendant entered into an additional Promissory Note -
Federal Perkins Loan Program ("Note #2") with Plaintiff. A copy of Note #2 is attached hereto as
Exhibit "B."
6. Note #2 provided for the financing of $450.00 plus interest and costs by Defendant
on her own behalf for educational services and benefits at Plaintiff's institution.
7. On or about August 29, 1984, Defendant entered into an additional PromissoryNote -
Federal Perkins Loan Program ("Note #3") with Plaintiff. A copy of Note #3 is attached hereto as
Exhibit "C."
8. Note #3 provided for the financing of $2,000.00 plus interest and costs by Defendant
on her own behalf for educational services and benefits at Plaintiff's institution.
Exhibit A
FEDERAL PERKINS LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
Jones, Tara E.
639 Plymouth Rd., Apt.
Baltimore, MD 21229
A-2
6. SchoolName &Address ~eet, c~state, zipcode)
Dickins~ College
P.O. Bc~ 1773
Carlisle, PA 17013-2896
00273-000-00-2937-09
2. Social Security Number
4. ~ea d~e~eleph~e Number
5. DrYer's License Number (List state abbreviation fimt~
Z Boff~ S~tus 8. I~erest Rate
9. Loan Amoum: 10. Loan Peri~
~ 1997-1998
TERMS AND CONDITIONS:
[Any bracketed clause or paragraph may be included at option of institution.]
APPLICABLE LAW - The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of the Higher
Education Act of 1965. as amended (hereinafter called the Act), as well as Federal regulations issued under the Act. All sums advanced under this note are subject to the
Act and Federal regulations issued under the Act.
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter called the school) OVer a period
beginning 9 months (or sooner if I am a less than a half-time borrower) after the date I cease to be at least a half-time student at an Institution of higher education or a
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending 10 years later, unless [
request in writing that my repayment period begin sOoner. [ understand that the school will report the amount of my installment payments, along with the amount of this
loan to a national credit bureau. Interest on this loan shall accrue from the beginning of the repayment period. My repayment period may be shorter than I0 years if I am
required by my school to make minimum monthly payments. Upon my written request my repayment period may be extended during periods of deferment, hardship, or
forbearance and I may make graduated installments in accordance with a schedule approved by the Secretary. I will make my installment payments in equal monthly,
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple of $5. II will make a
minimum monthly repayment of $40 (or $30 if I have outstanding Federal Perkins loarm made before October ], 1992 that included the $30 minimum payment option)
in accordance with the Minimum Monthly Payment ~ection of the Terms and Conditions contained on the reverse side of this document.]
LATE CHARGES - The school will impose late charges if [ do not make a scheduled payment when due or if ! fail to submit to the school on or before the due date of
the payment, a properly documented written request that I qualify for any of the forbearance, deferment or cancellation benefits as described below. No late charges may
exceed 20% of my monthly, bimonthly or quarterly payment. The school may add the late charges to principal the day after the scheduled repayment was due or include
it with the next scheduled repayment after [ have received notice of the charge, and such notice is sent before the next Installment Is due.
REQUESTS FOR DEFERMENT. CANCELLATION OR FORBEARANCE - To receive deferment, cancellation, or forbearance benefits, I must make a written request
to the school and must submit to the school any documentation the school requires to prove my eligibility for these benefits. [ am responsible for submitting the
appropriate ~'equests on time, and I may lose my benefits if I fail to file my request on time.
DEFAULT - If I fail to make a scheduled payment when due; if I fail to submit to the school, on or before the due date of a scheduled payment, documentation that I
qualify for a deferment, cancellation, or forbearance; or if [ fail to comply with the terms and conditions of this promissory note or written repayment agreement, the
school may. a't its option, declare my loan to be in default and may accelerate my loan (demand immediate payment of the entire unpaid balance of the loan, including
principal, interest, late charges, and collection costs). The school, and the Secretary. if r~y loan is assigned to the Secretary for collection, shall disclose to credit bureau
organizations that I have defaulted and all other relevant loan information. [ will lose nny right to defer payments and my right to forbearance if I default on my loan. I
will lose my right to receive cancellation benefits for service that is performed after the date the school accelerated the loan. I will be ineligible for any further federal
student financial assistance authorized under the Act until ! make arrangements that are satisfactory to the school or the Secretqry to repay my loan.
CHANCE OF STATUS - I will inform the school of any change in my name, address, telephone number, Social Security number, or driver's license number.
ASSIGNMENT. This note may be assigned by the school only to the United States. 1-he provisions of this note that relate to the school shall where appropriate relate to
the assignee.
PROMISE TO PAY: I promise to pay the school, or a subsequent holder of the Promissory Note, the sum of amount(s) advanced to me under the terms of this Note. plus
interest and other fees which may become due as provided in this Note. I promise to pay all reasonable collection costs, including attorney fees and other charges,
necessary for the collection of any amount not paid when due. [ will not sign this Note before reading it. including the provisions on the reverse side. This loan has been
made to me without security or endorsement. My signature certifies I have read. understand, and agree to the terms and conditions of this Promissory Note. THIS IS A
LOAN(S) THAT MUST BE REPAID
EXHIBIT "A"
Date:
Terms and Conditions (cont.)
HARDSHIP REPAYMENT OPTIONS - Upon my written request, if I
qualify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an additional ten (10) years and
may adiust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if. in its opinion.
prolonged illness or unemployment prevent me from making the scheduled
repayments during which time interest will continue to accn~e. The school
may permit me to pay less than the minimum monthly repayment rate for a
period of not more than one year at a time if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years.
GRACE PERIODS - My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Half-Time Borrower with outstanding Federal
Perkins Loans. my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of: 9
months from the date my loan was made. or 9 months from the date I became
less than a half-time student, even if I received the loan after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows deferments that apply to Federal Perkins
loans.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance,
plus any accrued interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If ! repay amounts during the academic year in
which the loan was made and the initial grace period ended, only those
amounts in excess of the amount due for any repayment period shall be
considered a prepayment. If, in an academic year other than the award year in
which the loan was made, I repay more than the amount due for an install-
ment. the excess will be used to repay principal unless [ designate it as an
advance payment of the next regular installment.
MINIMUM MONTHLY PAYMENT- I will make a minimum monthly
repayment of $40 (or $30 if ! have outstanding Federal Perkins loans made
before October 1. ! 992 that included the $30 minimum payment option) if
required by the school. If the total monthly repayment rate on this loan and
any outstanding Federal Perkins loans I may have is less than the minimum
monthly repayment rate established by the school, the school may still require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans, including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option, the minimum monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school. I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 1 ? months for periods that collectively do
not exceed three years, under the following conditions: If my monthly Title IV
loan debt- burden equals or exceeds 20% of my total monthly gross income; if
the Secretary authorizes a period of forbearance due to a national military
mobilization .or other national emergency: or if the school determines that !
qualify due to poor health or for other reasons, including service in
AmeriCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school, I may defer making scheduled installment payments and will not
be liable for any interest that might otherwise accrue 1) during any period that
I am: enrolled and attending as a regular student in at least a half-time course
of study at an eligible school: enrolled and attending as a regular student a
graduate fellowship program approved by the Secretary; engaged in graduate
or post-graduate fellowship-supported study outside the US; enrolled and
attending a rehabilitation training program for disabled individuals approved
by the ~ecretary: engaged in public service that qualities me to have part or all
of my loan canceled; 9) for a period not to exceed three years during which !
am seeking but unable to find full-time employment, 3) for a period not to
exceed three years during which I am experiencing an economic hardship as
determined by the school. I am not eligible for a deferment while serving in a
medical internship or residency program. I may continue to defer making
<heduled installment payments and will not be liable for an), interest that
might otherwise accrue for a six-month period immediately following the
expiration of any defemaent period described in this paragraph.
~A~CELLATIONS . Upon making a properly documented written request
to the school. I am entitled to have up to 100% of the original principal loan
amount of this loan canceled if I perform qualifying service in the areas listed
in paragraphs A, B, C. D and E below. Qualifying Service must be performed
after I receive the loan.
A. Teaching · a full-time teacher in a public or other nonprofit elementary or
secondary school, that has been designated by the Secretary in accordance with
the provisions of section 465(a)(2) of the Act as a school with a high
concentration of students from low-income families. An official Directory of
designated low-income schools is published annually by the Secretary. · a full-
time special education teacher in a public or nonprofit elementary or
secondary school system. · a full-time teacher, in a public or other nonprofit
elementary or secondary school system, who teaches mathematics, science,
foreign languages, bilingual education, or any other field of expertise that is
determined by the State Department of Education to have a shortage of
qualified teachers in that State.
B. Early Intervention Services · a full-time qualified professional provider of
early intervention services in a public or other nonprofit program under public
supervision by a lead agency as authorized by section 672(2) of the Individuals
with Disabilities Education Act. Early Intervention Services are provided to
infants and toddlers with disabilities.
C. Law Enforcement or Corrections Officer - a full-time law enforcement
officer for an eligible local, State, or Federal law enforcement agency; or · a
full-time corrections officer for an eligible local. State. or Federal corrections
agency.
D. Nurse or Medical Technician · a full-time nurse providing health care
services: or o a full-time medical technician providing health care services.
E. Child or Family Service Agency - a full-time employee of an eligible public
or private non-profit child or family service agency who is providing or
supervising the provision of services to high-risk children who are from low-
inc. ome communities and the families of such children.
Cancellation Rates - For each completed year of service under paragraphs A,
B, C, D and E a portion of this loan will be canceled at the following rates:
° 15% of the original principal loan amount for each of the first and second
years; · 20% of the original principal loan amount for each of the third year
and fourth years; and ° 30% of the original principal loan amount for the fifth
year.
E Head Start Cancellation - Upon making a properly documented written
request to the school, ! am entilded to have up to 100% of the original
principal loan amount canceled for qualifying service performed after [ receive
the loan as: - a full-time staff member in the educational component of a
Head Start program which is operated for a period comparable to a full school
year and which pays a salary comparable to an employee of the local educa-
tional agency.
Cancellation Rate - For each completed year of service under the Head Start
Cancellation provision, this loan will be canceled at the rate of 15% of the
original principal loan amount.
G. ]VIilitary Cancellation - Upon making a properly documented written
request to the school, [ am entitled to have up to 50% of the principal amount
of this loan canceled for qualifying service performed after [ receive the loan
as: ° a member of the Armed Forces of the United States in an area of
hostilities that qualifies for special pay under section 310 of Title 37 of the
United States Code.
Cancellation Rate - For each completed year of service under the Military
Cancellation provision, this loan will be canceled at the rate of 12 1/2% of the
original principal loan amount.
H. Volunteer Service Cancellation - Upon making a properly documented
written request to the school. I am entitled to have up to 70% of the original
principal loan amount of this loan canceled for qualifying service performed
after I received the loan as: · a volunteer under the Peace Corps Act: · a
volunteer under the Domestic Volunteer Service Act of 1973 (ACTION
programs).
Cancellation Rate - For each completed year of service under the Volunteer
Service Cancellation provision, a portion of this loan will be canceled at the
following rates:
· 15% of the original principal loan amount for each of the hrst and second
1 Z-month periods of service; and · 20°_/o of the original principal loan amount
for each of the third and fourth 12-month periods of service.
~. Death and Disability Cancellation - In the event of my death, the school
will cancel the total amount owed on this loan. If I become permanently and
totally disabled after [ receive this loan, the school will cancel the total amount
owed c~n this loan.
Exhibit B
FEDERAL PERKINS LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
Jones, tara E.
639 Plymouth Road, Apt. A-2
Baltimore, ~D 21229
6. School Name & Address (street, city, state, zip code)
P.O. B~x 1773
Carlisle, PA 17013-2896
TERMS AND CONDITIOINS:
2. Social Security Number
217-33-6956
3. Date of Birth --
9/17/76
4. Area Code/Telephone Number -
410-747-5314
5. Driver's License Number (List state abbreviation first)
tdDJ-520-785-210-721
Borrower Status 8. Interest Rate
9. Loan Amount: 10. LoanPeriod
$450.00
[Any bracketed clause or paragraph may be included at option of institutlort]
APPLICABLE LAW - The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title [V of the Higher
Education Act of 1965. as amended (hereinafter called the Act), as well as Federal regulations issued under the Act. Ail sums advanced under this note are subject to the
Act and Federal regulations issued under the Act.
REPAYMENT - 1 am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter called the school) over a period
beginning 9 months (or sooner if I am a less than a half-time borrower) after the date [ cease to be at least a half-time student at an Institution of higher education or a
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending l0 years later, unless I
request in writing that my repayment period begin sooner. ! understand that the school will report the amount of my installment payments, along with the amount of this
loan to a national credit bureau· Interest on this loan shall accrue from the beginnin8 of the repayment period. My repayment period may be shorter than 10 years if ! am
required by my school to make minimum monthly paymenu. Upon my written request my repayment period may be extended during periods of deferment, hardship, or
forbearance and ! may make graduated installments in accordance with a schedule approved by the ~ecretary. I will make my installment payments in equal monthly.
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple of SS. [! will make a
minimum monthly repayment of $40 (or $30 if I have outstandin& Federal Perkins loans made before October ]. 1992 that included the $30 minimum payment option)
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document.!
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if I fail to submit to the school on or before the due date of
the payment, a properly documented written request that ] qualiry for any of the forbearance, deferment or cancellation benefits as described below. No late charges may
exceed 20% of my monthly, bimonthly or quarterly payment. The school may add the late charges to principal the day after the scheduled repayment was due or include
it with the next scheduled repayment after I have received notice of the charge, and such notice is sent before the next installment is due.
REQUESTS FOR DEFERMENT. CANCELLATION OR FORBEARANCE -To receive deferment, cancellation, or forbearance benefits. ! must make a written request
to the school and must submit to the school any documentation the school requires to prove my eligibility for these benefits. I am responsible for submitting the
appropriate ?equests on time, and I may lose my benefits if I fail to tile my request on time.
DEFAULT - If I fail to make a scheduled payment when due; if [ fail to submit to the school, on or before the due date of a scheduled payment, documentation that I
qualify for a deferment, cancellation or forbearance; or if I fail to comnly with the terms an · -
school ma r d conditions of this romlssor not
y all ts o tton declare m P y · or written re a
' P , y Joan to be in default and ma ..... , ........ ,- / ..... ' p yment agreement, the
· ] o~r,~,,,Lc my man %creman(~ lmmeoiate payment of the entire unpaid balance of the loan. including
principal, interest, late charges, and collection costs). The school, and the Secretary, if my loan is assigned to the Secretary for collection, shall disclose to credit bureau
organizations that I have defaulted and all other relevant loan information. ! will lose my right to defer payments and my right to forbearance if ] default on my loan. !
will lose my right to receive cancellation benefits for service that is performed after the date the school accelerated the loan. I will be ineligible for any further federal
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANGE OF STATUS ~ I will inform the school of any change in my name. address, telephone number, Social Security number, or driver's license number.
'ASSIGNMENT - This note may be assigned by the school only to the United States. The provisions of this note that relate to the school shall where appropriate relate to
the assignee.
PROMISE TO PAY: ! promise to pa~ the school, or a subsequent holder of the Promissory Note, the sum of amount(s) advanced to me under the terms or this Note. plus
interest and other fees which may become due as provided in this Note. [ promise to pay all reasonable collection costs, including attorney fees and other charges.
necessary for the collection of any a~mount not paid when due. ! will not sign this Note before reading it. includin§ the provisions on the reverse side· This loan has been
made to me without security or endorsement. My signature certifies ! have read, understand, and agree to the terms and conditions of this Promissory Note. THiS ]'S A
LOAN(S) THAT MUST BE REPAID
EXHIBIT "B"
Terms and Conditions (cont.)
HARDSHIP REPAYMENT OPTIONS - Upon my written request, if I
qualify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if, in icc opinion,
prolonged illness or unemployment prevent me from making the scheduled
repayments during which time interest will continue to accrue. The school
may permit me to pay less than the minimum monthly repayment rate for a
period of not more than one year at a time if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years.
GRACE PERIODS- My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Half-Time Borrower with outstanding Federal
Perkins Loans, my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of: 9
months from the date my loan was made, or 9 months from the date I became
less than a half-time student, even ff I received the loan after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows deferments that apply to Federal Perkins
loans.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance,
plus any accrued interest, at any time without penalt3t. Amounts I repay in the
'academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If I repay amounts during the academic year in
which the loan was made and the initial grace period ended, only those
amounts in excess of the amount due for any repayment period shall be
considered a prepayment. If, in an academic year other than the award year in
which the loan was made. I repay more than the amount due for an install-
ment. the excess will be used to repay principal unless I designate it as an
advance payment of the next regular installment.
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of $40 (or $30 ff I have outstanding Federal Perkins loans made
before October 1, 1992 that included the $30 minimum payment option) if
required by the school. If the total monthly repayment rate on this loan and
any outstanding Federal Perkins loans ! may have is less than the minimum
monthly repayment rate established by the school, the school may still m~luire
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans, including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option, the minimttm monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school. I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 12 months for periods that collectively do
not exceed three years, under the following conditions: If my monthly Title IV
loan debt. burden equals or exceeds 20% of my total monthly gross income; if
the Secretary authorizes a period of forbearance due to a national military
mobilization.or other national emergency; or if the school determines that I
qualify due to poor health or for other reasons, including service in
AmeriCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school, I may defer making scheduled installment payments and will not
be liable for any interest that might otherwise accrue l) during any period that
! am: enrolled and attending as a regular student in at least a half-time course
of study at an eligible school; enrolled and attending as a regular student a
graduate fellowship program approved by the Secretary; engaged in graduate
or post-graduate fellowship~supported study outside the US; enrolled and
attending a rehabilitation training program for disabled individuals approved
by the Secretary; engaged in public service that qualifies me to have part or all
of my loan canceled; 2) for a period not to exceed three years during which I
am seeking but unable to find full-time employment, 3) for a period not to
exceed three years during which I am experiencing an economic hardship as
determined by the school. I am not eligible for a deferment while serving in a
medical internship or residency program. I may continue to defer making
scheduled installment payments and will not b~. liable for any interest that
might otherwise accrue for a six-month period immediately following the
expLratioo of any deferment period described in this paragraph.
'C~qCELLATIONS - Upon making a properly documented written request
to the school, [ am entitled to have up to 100% of the original principal loan
amount of this loan canceled if I perforn~ qualifying service in the areas listed '
in paragraphs A, B, C, D and E below. Qualifying Service must be performed
after I receive the loan.
A. Teaching * a full-time teacher in a public or other nonprofit elementary or
secondary school, that has been designated by the Secretary in accordance with
the provisions of section 455(a)(~.) of the Act as a school with a high
concentration of students from low-income families. An official Directory of
designated Iow-income schools is published annually by the Secretary. * a full-
time special education teacher in a public or nonprofit elementary or
secondary school system. * a full~time teacher, in a public or other nonprofit
elementary or secondary school system, who teaches mathematics, science,
foreign languages, bilingual education, or any other field of expertise that is
determined by the State Department of Education to have a shortage of
qualified teachers in that State.
B. Early Intervention Services · a full-time qualified professional provider of
early intervention services in a public or other nonprofit program under public
supervision by a lead agency as authorized by section 672(2) of the Individuals
with Disabilities Education Act. Early Intervention Services are provided to
infants and toddlers with disabilities.
C. Law Enforcement or Corrections Officer · a full-time law enforcement
officer for an eligible local, State, or Federal law enforcement agency; or · a
full-time corrections officer for an eligible local, State, or Federal corrections
agency.
D. Nurse or Medical Technician o a full-time nurse providing health care
services; or o a full-time medical technician providing health care services.
E. Child or Family Service Agency · a full-time employee of an eligible public
or private non-profit child or family service agency who is providing or
· .supervising the provision of services to high-risk children who are from Iow-
tncome communities and the families of such children.
Cancellation l~tes - For each completed year of service under paragraphs A,
B, C, D and E a portion of this loan will be canceled at the following rates:
· 15% of the original principal loan amount for each of the first and second
years: · 20% of the original principal loan amount for each of the third year
and fourth years; and * ~0% of the original principal loan amount for the fifth
year.
E Head Start Cancellation - Upon making a properly documented written
request to the school, ! am entitled to have up to 100% of the original
principal loan amount canceled for qualifying service performed after I receive
the loan as: * a full-time staff member in the educational component of a
Head Start program which is operated for a period comparable to a full school
year and which pays a salary comparable to an employee of the local educa-
tional agency.
Cancellation Rate - For each completed year of service under the Head Start
Cancellation provision, this loan will be canceled at the rate of 15% of the
original principal loan amount·
G. Military Cancellation - Upon making a properly documented written
request to the school. I am entitled to have up to 5056 of the principal amount
of this loan canceled for qualifying service performed after ! receive the loan
as: * a member of the Armed Forces of the United States in an area of
hostilities that qualifies for special pay under section 310 ofTitle 37 of the
United States Code.
Cancellation Rate - For each completed year of service under the Military
Cancellation provision, this loan will be canceled at the rate of 12 1/~% of the
original principal loan amount.
H. Volunteer Service Cancellation - Upon making a properly documented
written request to the school, I am entitled to have up to 70% of the original
principal loan amount of this loan canceled for qualifying service performed
after ! received the loan as: * a volunteer under the Peace Corps Act; · a
volunteer under the Domestic Volunteer Service Act of 1973 (ACTION
programsJ.
Cancellation Rate - For each completed year of service under the 'Volunteer
Service Cancellation provision, a portion of this loan will be canceled at the
following rates:
· ! 5% of the original principal loan amount for each of the first and second
12-month periods of service: and · ~056 of the original principal loan amount
for each of the diird and fourth l~-month periods of service.
I. Death and Disability Cancellation -[n the event of my death, the school
will cancel the total amount owed on this loan. If [ become permanently and
totally disabled after [ receive this loan. the school will cancel the total amount
owed on this loan.
Exhibit C
-O9
Promissory_ Note-Federal Perkins Loan Pro,ram
[Any br~keted ¢lau~ or paragraph may be included at option of in~itution.]
I., .~ara ~. dones . , promise to pay to Dickinson CoI1eqe (hereinafter called the
Institut~on), located at Carlisle, PA 17013-2896 - the mm of the smounts tlug are advanced to me and endorsed in the
Schedule of Advances set forth below. I promise to pay all reasonable collection costs, including mzorney fees and other charges, necessary for
the collection of any amount not paid when due.
I further understand and agree that:
I. General
(I) ~l~i~i~. AU sums advanced under this note are drawn from a fund created under Part E of Title IV of the Higher Education Act
of 1965, as amended (hereinafter called the Act), and are subject to t~e Act and the Federal regulations issued under the Act. The terms of this
note shall be interpreted in accordance with the Act and Federal regul~ions, copies of which are to be kept by the Institution~
(2) Procedures for Receivin~ Deferment. Cancellnt_ion, or Forbear%-~c-. I understand that, to receive a deferment, cancellation, or
forbearance, I must request the deferment, cancellation, or forbearance ia writing from the Institution and must submit to the Institution any
documenrmion required by the Institution to prove that I qualify for the determent, cancellation, or forbearance. I further understand that, it* I
am eligible for deferment, cancellation, or forbearance under Articles VI through XIV, I am responsible for submitting the ~oproprinte requests
on time. I further understand that I may lose my determent, cancellation, and forbearance benefits ii' I fail to file my request on time.
Il. Interest
Interest shall accrue from the beginning of the repayment period ad shall be ar the ANNUAL PERCENTAGE RATE OF FIVE PERC~iNT
(5%) on the unpaid balance, except tlug no interest shall accrue during any deferment period described in Article 'vii.
(l) I promise to repay the principal and the interest that accrues or~ it to the Institution over a period beginning nine (9) months after the date
I cease to be at lo. ut a half-time regular smdeai at an institution of' higher education, or ar a comparable institution outside the United States
approved for this purpose by the United Stales Secretary of Education (hereinafter called the Secretary), and ending ten (10) years l~er, unie~
thai period is [shortened under paragraph TH(5), or] extended under paragraphs ITI(4), aT(7) (extensions), V~(I), or VII(3) (deferments). (2) Upon my written request, the repayment period may start on n date earUer than the one indicated ia par~,r~h ]II(1).
O)(A) I promise to repay the principal and interest over the course of the repayment period in equal monthly, bimonthly, or quarterly
installments, as determined by the Institution. I understand that, if m), inatallment payment for all the loans made to me by the Institution is not
a multiple of $5, the Institution may round that payment to the next hiE, he, st dollar amount that is a multiple of $5.
(B) Notwithstanding paragraph IIIO)(A), upon my written request, repayment may be made in graduated instulhnents in accordance with a
schedule approved by the Secretary.
(4) Notwithstanding paragraph Ill(l), if I quali~, as a Iow-income individual during the repayment period, the Institution, upon my written
request, may extend the repayment period for up to aa additional ten (]0) years and may adjust any repayment schedule to reflect my income.
[(5)(A) Il' the monthly raie thai would be established under paragr~0h ITI(D, or the total monthly repayment rate of principal sad interest on
all my Federal Perkins Louns, including this loan, is less than $40 o 00 per month, I shall repay the principal and interest on
this loan ai the rate of $40.00 per month (which incl, des both principal and interest).
(5)(B) If I have received Federal Perkins Loans from other instituliou and the total monthly repayment rate on those loans is less than
$40 o 00 the $40'. 00 monthly payment established under subp~ra~ruph IIT(5)(A) includes the amounts I owe
on all my outstanding Federal Perkins Loans, including those received from other institutions. The portion or' the $40 o 00
monthly payment that wiU be applied to this loan will be the difference between * $40 ..00 sad the total of the amounts owed at a
monthly rate on my other Federal Perkins Loans.
(6) The.Institution may permit me to pay less than the rate of $40.00 · per month for a period of not more than one (1) year
where necessary to avoid hardship to me unless that action would extend the repayment period in paragraph II1(I).]
(7) The Institution may, upon my written request, reduce any scheduled repayments or extend the repayment period indicated in paragraph
Ill(l), if, in its opinion, circumstances such as proioagud illness or unemployment prevent me from making the scheduled repayments.
However, interest shall continue to accrue.
(1) I may, ai my option and without penalty, prepay all or any parr of the principal, plus any accrued interest thereon, at any time.
(2) Amounts I repay in the academic year in which the loan was made and the initial grace period has not ended will be used to reduce the
amount of the loan and will not be considered a prepayment.
('3) If I repay amounts during the academic year in which the loan ,was made and the initial grace period ended, only those amounts in excess
of the amount due for any repayment period shall be considered a prepayment.
(4) If, in an academic year other than the award year in which the loan was made, I repay more than the amount due for an installment, the
excess will be used to repay principal unless I designate it as an advance payment of the next regular installment.
V. Default
(1) The Institution may, at ils option, declare my loan to be in default and may demand immediate payment of the entire unpaid balance of
the loan, including principal, interest, late charges, and collection costs, ii--
(A) I do not make a scheduled payment when due under the repayment schedule established by the Institution; and
lB) I do not submit to the Institution, on or before the date on which payment is due, documentation that I qualify for a defer~nent,
cancellation, or forbearance as described in Articles VI, VII, VIII, IX, X, XI, XII, XIlI, or XIV of this agreement.
(2) I understand that the Institution may disclose to credit bureau ozgaaizations the amount of loans made to me, along with other relevant
Page 1 of 4
EXHIBIT
Federal Perkins/July 1993
mtorrnafion.
'(3) I understand that, if I default on my loan. the Iazti,tutjon may disclose that I have defaulted, along with other relevant information, to
credit bureau organizations. .
(4) Further, I understand that, if I default on my loan and the loan is assigned to the Secretary for collection, the Secretary may disclose tha
I have defaulted, along with other relevant information, to credit bureau organizations. (5) I understand that, if ! default on my loan, I will lose my right to forbearance.
(6) I undemand that, ifI default on my loan, I will lose my right to defer repayments.
(7) I understand that, if the Institution accelerates the loan under paragraph V(I), I will'lose my right to receive a cancellation ora portion o
my loan for any service de~ribed in Articles VIII, IX, X, XI, XII, XIII, or ~ performed after the date
(8) I understand that failure to pay this obligation under the terms agreed upon will prevent my obtainin~ge Institution accelerated the loan.
authorized under Title lq/of the Higher Education Act of 1965, as amended, until I have mede arrangemente that
edditional student financial aid
Institution or the Secretary regarding the repayment of the loan. are satisfactory to the
VI. _Forbeara~c~
(1) I understand that, upon making a properly documented written request to the Institution, ! am entitled to be granted forbearance of
Principal and interest or principal only, renewable at 12-month intervals, for a period not to exceed three years, if-
(A) My debt burden equals or exceeds 20 percent of my gross income; or
(B) The Institution determines that I qualify for other reasons. '
(1) ! understand that, upon making a Properly documented written request to the Institution, I may
payments and will not be liable for any interest that might otherwise accrue during the following periodds~fer making scheduled installment
(A) For any period that I am-
(i) Em'oiled and in attendance as a regular student in at least a half-time course of study at an eligible institution;
(ii) Enrolled and in attendance as a regular student in a course of study thnt is part of a graduate fellowship program approved by the
Secretary;
(iii) Engaged in graduate or Post-graduate fellowship-supported study (aueh as a Puibright gran0 outside the United States; or
(iv) Enrolled and in attendance in a course of study that is part of a rehabilitation training program
Secretary.
for disabled individuals approved by the
(B) For any period that ! am engaged in service described in Articles VIII, IX, X, XI, X~, XI[I, or ~ of this agreement.
(C) For a period not to exceed three (3) years during which-
(i) ! am seeking and unable to find full-time employment; or
(ii) For any reason that my Institution determines has caused or will cause mo
(2) ! understand that ! am not eligible for a deferment under to have an economic hardship.
program.
paragraph (VII)(1)(A) while ! am~serving in a medical internship or residency
(3) I understand that I may continue to defer making scheduled installment payments and will not be liable for any interest that might
otherwise accrue for a six (6) month period immediately following the expiration of any deferment provided in paragraph VII(l).
VIII. Teachin~ Ca,¢eHatic~
(I) I understand that, upon making a Properly documented written request to the ~nstitution, I am entitled to have up to 100 percent of the
amount of this loan plus the interest thereon canceled if ! perform qualifying service after the period for which I received the loan-
(A) As a full-time teacher in a public or other nonprofit elementary or secondary school in the school district of a local educational agency
that is eligible in such year of service for funds under Chapter 1 of the Education Consolidation and Improvement Act of 19gl, as amended, and
which has been designated by the Secretary (after consultation with each State Department of Education) in accordance with the provisions of
section 465(a)(2) of the Act as a school with a high concentration of students from iow-income families. An official Directory of designated
Iow-income schools is published annually by the Secretary;
(B) As a full-time special education teacher (including teachers of infants, toddlers, children, or youth with di .sabilitins) in a public or other
nonprofit elementary or secondary school system, or as a full-time qualified professional provider of early intervention services in a public or
other nonprofit program under public supervision by the lead agency as authorized in section 676(b)(9) of. the Individuals With Disabilities
Education Act; or
(C) As a full-time teacher of mathematics, science, foreign languages, bilingual education, or any other field of expertise that is determined
by the State Department of Education to have a shortage of qualified teachers.
(2) A portion of this loan will be canceled for each completed year of teaching service at the following rates:
(A) 15 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for each of the first and
second complete academic yeats of that teaching service; .
(B) 20 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for each of the third sad
fourth complete academic years of that teaching service; and
(C) 30 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for the fifth complete
academic year of that teaching service.
IX. Head Start Ca~cellati¢~
(1} I understand that, upon making a properly documented written request to the Institution, I am entitled to have up to 100 percent of the
amount of this loan plus the interest thereon canceled if I perform qualifying service after the period for which I received the loan as a full-time
staff member in a Head Start program if-
(A) That Head Start program is operated for a period that is comparable to a full school year in the locality; and
Page 2 of 4
Federal Perkins/July 1993
(B) My salary is not more than the salary of a comparable employee of the local educational agency.
(2) This loan will be canceled at the rate of 15 percent of the total principal amount of the loan plus interest on the unpaid balance accruing
during that year for each complete school year or equivalent period of service in a Head Start progrmn.
(3) Head Start is a preschool program carried out under the Head Start Act.
X. Military Cange[lation
(I) [ understand that, upon making a p~operly documented wl'itten request to the Institution, [ am entitled to have up to 50 percent of the
principal mount of this loan plus the interest thereon canceled if ! serve as a member of the Armed Forces of the United States in an area of
hostilities that qualifies for special pay under section 310 of Title 37 of the United States Code.
(2) This loan will be canceled at the rate of 12 1/2 percent of the total principal mount of the loan plus interest on the unpaid balance
accruing during thn? year for euch complete year of such qualifying service after the period for which I received the loan.
XI. Volunteer Service Cancellafio*,
(1) ! understand that, upon making a properly documented written request to the Institution, I ann entitled to have up to 70 percent of the
mount of this loan pins the interest thereon canceled if ! perform qualifying service af~er the period for which ! received the loan- (A) As a volunteer under the Peace Corps Act; or
(B) As a volunteer under the Domestic Volunteer Service Act of 1973 (ACTION progrmns).
(2) This loan will be Canceled at the following rates:
(A) 15 percent of the total principal mount of the loan plus interest on the unpaid balance accruing during that year for each of the first and
second twelve (12) month periods of volunteer service completed; and
(B) 20 percent of the total principal mount nf the loan pins interest on the unpaid balance accruing during that year for each of the third and
fourth twelve (12) month periods of volunteer service completed.
X~L Law Enforcement or Correctiotts Officer Cn~nc_ellatlo~
(1) ! understand that, upon making a properly documented w~itten request to the Institution, ! mn entitled to have up to 100 percent of the
amount of this loan plus the interest thereon canceled if I perform quali£~/ing service after the period for which ! received the loan-
(A) AS a full-time law enforcement officer for service to an eligible local, State, or Pederal law enforcement agency; or
(B) As a full-thne corrections officer for service to an eli~ble local, State, or Federal corrections a~eucy.
(2) A portion of this loan will be canceled for each completed year of law enforcement or corrections service at the following rates:
(A) 15 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year t'or each of the first and
second complete years of that service;
(B) 20 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for each of the third and
fourth complete years of that service; and
(C) 30 percent of the total principal mount of the loan pins interest on the unpaid balance accruing during that year for the fifth complete
year of that service.
XXll. Nurse or Medical Technician Cance!!a!*.'on
(1) I understand that, upon making a properly documented written request to the Institution, I m entitled to have up to 100 percent of the
amount of this loan plus the interest thereon canceled if I perform qualifying service after the period for which ! received the loan as a full-time
nurse or medical technician providing health care services.
(2) A portion of this loan will be canceled for each completed year of service at the following rates:
(A) 15 percent of the total principal mount of the loan plus interest on the unpaid balance accruing during that year for each of the first and
second complete years of that service;
(B) 20 percent of the total principal mount of the loan plus interest on the unpaid balance accruing during that year for euch of the third and
fourth complete years of that service; and
(C) 30 percent of the total principal mount of the loan plus interest on the unpaid balance accruing during that year for the fifth complete
year of that service.
XIV. Child or Family Service Aaenc¥ Cnncetl~ti~.-
(1) I understand that, upon making a properly documented writtco request to the Institution, ! mn entitled to have up to 100 percent of the
amount of this loan plus interest thereon canceled if X perform qualifying service aRer the period for which ! received the loan as a full=time
employee of an eligible public or private nonprofit child or family service agency who is providing, or supervising the provision of, services to
high-risk children who are from low-income communities and the families of such children.'
(2) A portion of this loan ,,viii be canceled for each completed year of service at the following rates:
(A) 15 percent of the total principal mount of the loan pins interest on the unpaid balance accruing during that year for each of the first and
second complete years of that service;
(B) 20 percent of the total principal mount of the loan plus interest on the unpaid balance accruing during that year for each of the third and
fourth complete years of that service; and
(C) 30 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for the fifth complete
year of that service.
X~. Death and ~)i~hilit¥ Cancellation
(1) In the event of my death, the total amount owed on this loan will be canceled.
(2) If ! become pernianently and totally disabled after ! receive this loan, the Institution will cancel the total amount of this loan.
X~/L Change in Name, Address. Telenhone Number, or Social Security ]~umbe~
l am responsible for informing the Institution of any change or changes in name, address, telephone number, or Social Security number.
Page 3 of 4 Federal Perkins/July 199:3
(1) The htstitution will impose a' late charge if-
(A) I do not make a scheduled payment when it is due; and .
(B) I do not submit to the Institution, on or before the date on which payment is due, documentation that ! qualify for a deferment,
cancellation, or forbearance as described in Articles VI, VII, VIII, IX, X, X~, X~, XIII, or XIV of this agreement.
(2) No charge may exceed 20 percent of my monthly, bimonthly, or quarterly payment.
(3)(A) The Institution may-
(i) Add the late charge to the principal the day after the scheduled repayment was due; or
(ii) Include it with the next scheduled repayment aRer I have received notice of the late charge.
(B) If the Institution elects to add the late charge to the outstanding/)rincipal of the loan, it must so inform me before the due date of the
next installment.
(1) This note may be assigned by the Institution only to-
(A) The United States;
(B) Another institution upon my transfer to Chat institution if that institution is participating in this program; or
(C) Another institution approved by the Secretary.
(2) The provisions of this note that relate to the Institution shall, where appropriate, relate to an assignee.
(3) Any holder of this loan is subject to aH claims and defenses that I could assert against the Institution that made this loan; my recovery is
limited to the amount I repaid on this loan.
! hereby certify that I have listed
received, state "None. ") ' below all of the Federal Perkins Loans I have obtained at other institutions. (If no prior loans have been
FEDERAL PERKINS LOANS AT OTHER INSTITUTIONS
1
X~X, ~chedu[e of Advance.~
The following amounts were advanced to me under this loan agreement on the dates indicated:
1
NOTICE TO BORROWER: DO NOT SIGN TNf~ NOTE BEFORE YOU READ lT.
I UNDERSTAND AND AGREE TO ALt. OF THE FOREGOING TERMS AND CONDrrlONS.
[This note is signed as a sealed instrument.]
Signatur~ f(seal)l
Permanent Address (Street or Box Number, City, State, and Zip Code)
The borrower and Institution shall execute this note without security and without endorsement.
The Institution shall provide a copy of this note to you and you should retain the copy for your records.
(Authority: 20 U.S.C. lO87dd)
Page 4 of 4 Federal Perkins/July 1993-
Exhibit D
00273-000-00-2937-09 -09
Promisso~ Note-Federal Perkins Loan Pro~rafl~
[Any b~rack~tedf? o.r p _a~agraph may be includmt at option of institution.]
1. 'l-ara ~lizabeth Jone~ ,promisetopayto DJck~nson Co]leqe mom'
Zn.~timtion),]ocatedat Car]is]e, PA 17013-289~ ......... - inaftercauedtho
. ~ ~.~ , me sum or me smounzs mar are advanced to me and endorsed in tim
Schedule of Advances set forth below. I promise to pay aU reasonable coUectioa costs, including attorney fees and other charges, necasasry for
the coUection of any amount not p~id when due.
I further understand and agree that:
L General
(I) ]]d2P. fi~,,~]~. AU sums advanced under this non are drawn from a fund created under Part l~ of Title IV of the Higher ~dacation Act
of 1965, as amended (hereinafter called the Act), and are subject to the .&.ct and tho Federal regniztions issued under the Act. The terms of this
note sludl be interpreted ia accordance with the Act and Federal regulations, copies of which are to be kept by the lAstitutioa.
(2) Procedures for Receivino DefermenL C~ancellation. or Fo,~,~-;u~c ;~. I understand that, to receive · deferment, canceUntion, or
forbearance, I must request the deferment, canceUation, or forbearance in writing from the Institution and must submit to the Institution any
documentation required by the Institution to prove that I qualify for the deferment, cancellation, or forbearm~e. I further understand that, if !
am eligibl· for deferment, cancellation, or forbearance under Articles VI through XIV, I am responsible for submitting the appropriaM requests
on time. I timber understand that I may lose my deferment, cancellation, and forbearance benefits if I fail to file my request on time.
1I. Interest
Interest sludl accrue from the beginn!pg of the repayment period and shall be at the ANNUAL PERCENTAGE RATE OF FFVE PERCENT
(5%) on the unpaid balance, except that no interest shall nccrue during any deferment period described in Article ~
(1) I promise to repay the principaJ and the interest that accrues on it to the Institution over · period beginnin~ nine (9) month after the date
I cease to be ar least · half-time regular student at an institution of higher education, or at · comparable institution onrMde tim United States
approved for this purpose by the United S*~*_;_- Secretary of F. ducatinn (hereinafter called the Secrerlry), and ending ton (10) years later, unless
iht period is [shortened under paragraph re(S), or] extended under paragraphs rn(4), IIlco (extualom), VII(l), or VI/O) (deferments).. (2) Upon my written requesk the repayment period may start on a dam earUor thn the mm indimmd in paragraph 1~1).
OXA) I promise to repay the principal and inter-.st over the course of the repayment period ia equal monthly, bimonthly, or quarterly
issudlmants, ss determined by the Institution. I understand that, if my installment payment for all the loans rondo to me by the Institution is not
a multiple of SS, the Institution may round that payment to the ncxt highest dollar amount that is · nultiple of SS.
(B) Notwithstanding paragraph I/I(3XA), upon my written request, repayment may be made in graduated installments in accordance with a
s~hsdule approved by the Secretary.
(4) Notwithstanding paragraph 11I(1), if I qualify as · low-income individual during the repeymeut period, the Institution, upon my written
request, may extend the repayment period for up to an ndditional ten (10) years and may adjust any, repayment schedule to reflect my income
[(S)(A) If the monthly ram that would be established under paragraph FIT(D, or the toad monthly repayment rate of principal and imerest on
all my Pederal Perkins Loans, including this loan, is less tim· $40.00 per momb, I slndl repay the pr~ncipni and inturut on
th;t 108~ at tho ~ of $40 · 00 per mo·th (which inclndes both principal and inter~st).
· v ~1 Ym,Tm~a~t ~-~,~0~i$~ u··~r su h '
on all my ontstundin~ Federal Perlrl-t Loans_ includino ,k .... : ................. uparugmp! II[(_S~.A) includes tim amoents I owe
· ,. ....... ,,, ,~,.~ o,~ msutuuoes. The poruon or tho $40.00
tuonddy payment that will be appUed to this loan will be the difference between * $40..00 and the total of the anaonnts owed at a
montldy rato on my other Federal Perkins Loans.
(6) The.Institution may permit me to pay less than the rate of $40,00 per month for a period of not more than one (1) year
where necemmry to avoid hardship to me unless that action would extend the repayment period in paragraph 1~1).]
CO The Institution may, upon my written request, reduce any scheduled repayments or extend be repayment period indicated in paragraph
rff(1), if, in its opinion, circumstances such as prolonged illness or unemployment prevent me from making the scheduled repayments.
However, intersst shall continue to accrue.
(1) I may, at my option and without penalty, prepay aU or any part of the principal, plus any accrued interest thereon, at any time.
(2) Amounts I repay in the academic year in which the loan wus made fad the initial grace period hu not ended will be used to reduce the
amount of the loan and will not be considered · prepayment.
(3) If I repay amounts during the academic year in which the loan was made and the initial grace period ended, only them amounts in excess
of the amount due for any repayment period shall be considered a prepayment.
(4) If, in an academic year other than the award year in which the loan was made, I repay more than the amount due for an installment, the
excess will be ,~d to repay principal unless I designate it as an advance payment of the next regular incutllment.
(1) The Institution may, at its opdou, declare my loan to be in default and may demand immediate payment of the entire unpsid balance of
the loan, including principal, interest, late charges, and collection costs, if-
(A) I do not make · scheduled payment when due under the repayment schedule established by the Institution; ami
(B) I do not submit to the Institution, on or before the date on which payment is due, documentation that I qualify for a deferment,
cancellation, or forbearance as described in Articles VI, VII, VIII, IX, X, XI, X/I, XIII, or XIV of this agreement.
(2) I understand that the Institution may disclose to credit bureau organizations the amount of loans made to me, along with other relev&nt
Page 1 of 4 Federal Peridns//uly 1993
EXHIB]~T
int~grmation' .
(3) I understand that, if I default on my loan, the/n~itutinn may disclose that X have defaulted, along with other relevant information, to
credit bureau organizations.
(4) Further, I understand that, if ! default on my loan and the loan is assigned to the Secretary for collection, the Secretary may disclose that
! have defaulted, along with other relevant information, to credit bureau organizations. (5) I understand that, if ! default on my loan, ! will lose my right to forbearance.
(6) I understand that, ifI default on my loan, I will lose my right to defer repayments.
(7) [ understand that, if the J~titution accelerates the loan under paragraph V(I), I will lose my right to receive a cancellation of a portion of
my loan for any service described in Articles VI~, IX, X, XX, XII, XI~X, or XIV performed after the date the Institution accelerated the loan.
(8) I understand that failure to pay this obligation under the terms agreed upon will prevent my obtaining additional student financial aid
nuthorised under Title/V of the Higher Education Act or' 1965, ts amended, until ] have made arrangements that are satisfactory to the
Institution or the Secretary regarding the repayment of the loan.
(1) I understand that, upon making a properly documented written request to the/nstitufion, ! am entitled to be granted forbearance of
principal and interest or principal only, renewable at 12-month intervals, for a period not to exceed three years, if-
(A) My debt burden equals or exceeds 20 percent or' my gross income; or .
(B) The ln~itution determines that ! qurdify for other reasons.
VII. Defermen~
(i) I understand that, upon making a properly documented written request to the Institution, I may defer making scheduled installment
payments and will not be liable for any interest that might otherwise accrue during the following periods: (A) For any period that I am-
(i) Enrolled and in attendance as a regular student in at least a half-time course or' study at an eligible institution~
(ii) Enrolled and in attend~ce ts n regular student in a course of study that is part of a graduate fellowship progr~n approved by the
(ii0 Engaged in gred-~*-_ or post-graduate fellowship-supported study (such as a Pulbright ~ran0 outside the United States; or
(iv) Enrolled and in attendance in a course of study that is part of a rehubilitation training program for disabled individuals approwd by the
(B) For any period that I am ~n~aged in service described in Articles ~1~, IX, X, XI, XXI, X[H. or XIV of this agreement.
(C) /:or a period not to axczed thre~ ('J) years during which-
(i) I am seeki~ and unable to find full-time empioyment~ or
(ii) For any resann that my/ustitutiou determines has caused or will cnu~ mn to have an economic hardship.
(2) I uuderstand that I am not eligible for a deferment under paragraph O/II)(I)(A) while I am~serviag in a medical internship or residency
prof~m.
(3) I uuderatand that I may contimm to defer making scheduled installment pnym~uts and will not be iiubi~ for any interest thnt mil. bt
otherwise accru~ for a six (6) month period
VI~I. Tenchina ~n~ee!lnt!~,,. immediately following the expiration of any deferment provided in para~h VII(I).
(1) I understund that. upon making a properly documented written request to the Institution, I am entitled to lmve up to 100 percent of the
amount of this loan plus the interest thereon canceled if I perform qualifying asrvic~ after the period for whic~ I received the lo, n--
(A) As a full-time tea~er in a public or other nonprofit elementary or secondary school in the school district of & local educational agency
that is eligibic in such year of servicu for funds under Chapter 1 of the Education Consolidation and Improvement Act of IgSl, ns amended, and
which has linen designated by the Secrctary (after consultation with each Sta~ Department of Education) in accordance with tim provisions of
section 46.~(a)(2) ol~ the Act ts a school with a high concentration of students from low-income families. An official Directory of designated
Iow-income schools is published annunlly by the Secretury~
(B) As a full-time special education teacbar (including ~'-~--~bere of infants, toddlers, children, or youth with disabilities) in a public or other
nonprofit elementary or secondary school system, or as a full-time quniified professional provider of early intervention services in n public or
other nonprofit progrmn under public supervision by the lead agency ts authorized in section 676(b)(g) of the Individuals With Disabilities
Educstion Act; or
(C) As n full-time teacher of me, emetics, science, foreign lnnguages, bilin~unl education, or any other field of~ expertise that is determined
by the Stut~ D~partmnnt of Education to have a shortuge of quniified teachers.
(2) A portion of this loan will be canceled for each completed year of teuching service at the following rates:
(A) 15 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that
second complet,~ academic years of that teaching ' ·
service, year for each of the first and
(B) 20 percent of the total principal amount of the loan plus interest on the unpaid balance a~cruing during that year for each of the third end
fourth complete academic years of that teaching service; and
:
(C) 30 percent ol~ the total principal amount of the loan plus interest on the unpaid balance accruing during that year for the fifth complete
academic year ot~ that teaching service
IX. Head Ste~ Cancellati~-.~
(!) I underatnnd that, upon making a properly documented written request to the Institution. I am entitled to have up to I00 percent of the
amount of this loan plus the interest thereon cnnceicd if ! perform qualifying service ni~er the period for which ! received the loan ts a ~ll-time
staff member in & He~ Start program if~-
(A) That He. nd Start program is operated for a period that is comparable to a full school year in the locality; and
Page 2 of 4 Federal Perkins/July 1993
(B) My se]my is not more than the salary of a comparable employee of the local educ~ional agency.
(2) This loan will be canceled at the rate of 15 percent of the total principal sunount of the loan plus interest on the. unpaid balance accruing
during rJ~t year for each complete school year or equivalent period of service in l Hend Start proFj~m.
(3) H~l Start is a preschool program carried out under the Head Start Act.
X. Military Cencel~ation
(1) I understand that, upon making n pi'nperly documented written request to the Institution, I am entitled to have up to 50 pereent of the
principal amount of this loan plus the interest thereon canceled if I serve as n member of the Armed Forces of the United States in an area of
hostilities that qunlifies for special pay under section 310 of Title 37 of the United States Code.
(2) This loan will be eunceled at the rate of 12 1/2 percent of the total principal amount of the loan plus interest on the unpaid hal·ncc
accruing during that year for each complete yem' of such quali~ing service n~er the period for which I received the loan.
XI. Volunteer Service
(I) I understand that, upon making a properly documented written request to the Institution, I am entitled to have up to 70 percent of the
amount of this loan plus the interest thereon canceled if I perform qualifyin~ service after the period for which I received the loan- - (A) As a volunteer under the Peaco Corps Act; or
(B) As · volunteer under the Domestic Volunteer Service Act of 1973 (ACTION programs).
(2) This loan will be canceled at the following rates:
(A) 15 percent of the total principal amount of the loan plus interest on the unpaid bettnce accruing durin~ that year for each of the first ~nd
second twelve (12) month periods of volunteer service completed; and
0~) 20 percent of the total principal amount of the loan plus interest on the unpaid balance aceruin~ during that year for each of the third and
fourth twelve (12) month periods of volunteer service completed.
X~. I.mv Enforcement or Correet__ir,_,,, Officer
(I) I understand that, upon makin~ · properly documented written request to the Institution, X am entitled to have up to 100 percent of the
amount of this loon plus the interest thereon canceled if I perform qualif,fin~ service after the period for which ! received the loan-
(A) As · full-time law enforcement officer for service to an ellfible iocml, SlaM, or Federal law enforcamont n~ency; or
(B) As · full-time eorrectious officer for service to an eligible locel, State, or Federal corrections a[uncy. .
(2) A portion of this loan will be canceled for each completed year of law enforcement or corrections service at the foHowin~ rates:
(A) 15 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for each of the first and
seeond complete years of that service;
(B) 20 percent of the total principal amount of the loan plus interest on the unpaid halance nccruin~ during that yem, for each of the third and
fourth complete years of that service; and
(C) 30 percent of the total principal amount of the Ice· plus interest on the unpaid balance accruing during that year for the fifth complete
year of that service.
XilI. Nurse or Medical Teehnlcian
(1) ! understund that, upon makin~ · properly documented written request to the Inatitutlun, I am entitled to have up to 100 percent of the
amount of this loan plus the interest thereon canceled if I perform qualifying service after the period for which I received the loan as · full-time
nurse or medical technician providing health care services
(2) A portion of this Ioun will be canceled for each completed year of service at th· following mt,,_,:
(A) 15 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for each of the first and
second complete years of that service;
(B) 20 percent of the total principal amount of the loan plus interest on the unpaid hal·nee aceruin~ during that year for each of the third mid
fourth complete years of that service; and
(C) :30 percent of the total principal amount of the loan plus interest on the unpaid balance accruin~ during that yem' for the fifth complete
year of that service.
XI~. Child or Fnmilv Service Aam,~-v
(1) X understand that, upon ,,,l~_-~ · properly documented written request to the Xustitution, I am entitled to have up to 100 percent of the
amount of this lo~n plus interest thereon canceled if I perform qualifyin~ service after the period for which I racalved the loan as · full-time
employee of an eligible public or private nonprofit child or family service a~ency who is providinL or supervising the provision of, services to
high*risk children who are from low-income communities and the families of such children.'
(2) A portion of this loan will be canceled for each completed year of service at tha following rates:
(A) 15 percent of the total principal amount of the loan plus interest on the unpaid balance accruing during that year for each of the first and
second complete years of thn~ ' ·
servIce~
(B) 20 percent of the total principal amount of the loon plus interest on the unpaid balance aceruin~ during that year for each of the tltird and
fourth complete years of that service; and
(C) :30 percent of the total principal amount of the loan plus interest on the unpaid balance accruin~ during that year for the fifth complete
year of that service
XV. Death nnd Disability Cancelln~!i?~
(1) In the event of my death, the total amount owed on this loan will be canceled.
(2) If I become permanently and totally disabled after I receive this loan, the Institution will cancel the total amount of this loan.
X'VI. Chnnae in Name. Addren. Telephone Number. or Social Security Numb~c
I am responsible for informing the Institution of any change or changes in name, address, telephone number, or Social Security number.
Page 3 of 4 leederal Perkias/Iuly 1993
(1) The Institution will impose a*late charge if-
(A) ! do not m~:e a scheduled payment when it is due; and
(i~) ! do not submit to the/nstitution, on or before the dam on which payment is due, documentation that I quali~3~ for a deferment,
cancellation, or forbearance as described in Articles VI, VIZ, VI~, IX, X, X~, X~, X~I, or XIV of this agreement.
('2) No charge may exceed 20 percent of my monthly, bimonthly, or quarterly payment.
{3)(A) The Institution may-
(i) Add the late charge to the principal the day after the scheduled repayment was due; or
(ii) Include it with the n~xt scheduled repayment a~er X have received notice or' the late charge.
(~) If the Institution elects to add the late charge to the outstanding principal of the loan, it must so inform me before the due dat~ of the
next installment.
(1) This note may be assigned by the Institution oniy to-
(A) The United States;
~) Another institution upon my transfer to that institution if that institution is participating in this program; or
(C) Another inatimtion approved by the Secretary.
(2) The provisions of this note that relate to the Institution shall, wber~ appropriate, relat-, to an assignee.
(3) Any holder of this loan is su6ject to all claims and defenses that ! could asser~ against the Institution that made this loan; my recovery is
limited to the amount ! repaid on this loan.
I hereby certify that ! have listed below all of the Federal Perkins Loans f have obtained at other institutions. (If no prior loans have been
received, state "None.")
FEDERAL PERION$ LOANS AT OTHER 1~ST1TU~ON$
XX. -qcbedule of Advn~.
The following amounts were advanced to me under this lmm agreement on the dates indicated:
Amount
500.00 9-1-95
1-23-96
NOTICE TO BORROWER: DO NOT S~GN TRT.q NOTE BEFORE YOU READ lT.
I UNDERSTAND AND AGREE TO Ax.T. OF THE FOREGOING TERMS AND CONDITIONS.
[This note is signed as a sealed instrument.]
PeFmanent Address (Street oF Box N~mbeF, ~i~/, SUte, and 7-ip (:ode)
The borToweF and Institution shall execute this note withou~ securi~/and without endoFsement.
The Lnstitution sh~ll provide a copy of this noM to you nd you should retain the copy foF youF Fecords.
(Authority: 20 U.$.C. 108?dd)
Page 4 of 4 Federal P~rkifl~July 1993
Exhibit E
FEDERAL PERKINS LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (sl~eet, city, state, zip code)
Jones, Tara E.
639 Plymouth Road, Apt. A-2
Baltimore, MD 21229
6. School Name & Address (street, city, state, zip code)
P.O. Bcac 1773
C'~-1 i.~le, PA 17013-2896
TERMS AND CONDITIONS:
2. Social Security Number
217-33-6956
"3. Date of Birth -
9/1717§
4. Area Code/Telephone Number --
410-747-5314
5. Driver's License Number (List state abbreviation firsO~
MDJ-520-785-210-721
Borrower Status 8. Interest Rate
9. Loan Amoun~ 10. Loan Period
$ 2,550.00
~ 1996-97
APPLICABLE LAW - The terms of this note and any disbursements mede under this note shall be interpreted in accordance with Part E of TitJe IV of the Higher
Education Act of 1965. as amended (hereinafter called the Act). as well as Federal regulations issued under the Act. All sums advanced under this note are subJect to the
Act and Federal regulations issued under the Act
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter called the school) over a period
beginning 9 months (or Sooner If ] am a less than a haft-time borrower) after the date I cease to be at least a half-time student at an htstitution of higher education or a
comparable school outalde the United States approved by the United States Secretary of Education (heminalter called the Secretary) and endin~ 10 years liter, unless 1
request in writing that my repayment period begin Sooner. !
understand that the school will
report the amount of my Installment payments, along with the amount of this
loan to a national cmclit bureau. Interest on this loan shall accrue from the beginning of the repayment period. ]VI,/repayment period may he shorter than 10 years if I am
required by my school to meke minimum monthly payments. Upon my written mquast my repayment period may he extended during petioda of deferment, hardship,
forbearance and ! mey make graduated Installments in accordance or
with a schedule approved by the Secretary. ] will make my installment payments In equal monthly,
bimonthly or quarterly Installments as determined by the school. The scJ~ol may round my installment payment to the next highest multiple of $5. II will make a
minimum monthly repayment of $40 (or $30 if I have outstanding Federal Perkins loans mode before October 1, 1992 that Included the
in accordance with the Minimum Monthly Payment Section of the Terms and Conditiosts contained on the reverse side of this dncument~30 minimum payment option)
LATE CHARGES - The school will Impose late charges If I do not make a scheduled payment when due or if I fall to submit to the school on or before the due date of
the payment, a properly documented written request that I qualify for any of the forbearance, deferment or cancellation benefits as dasc~ihed below. No late charges may
exceed 20% of my monthly, bimonthly or quarterly payment. The school mey add the late charges to principal the day after the scheduled repayment was due or Include
it with the next scheduled repayment after I have received notice of the charge, and such notice is sent before the next installment is due.
REQUESTS FOR DEFERMENT. CANCELLATION OR FORBEARANCE. To receive deferment, cancellation, or forbearance benefits. I must meke a written request
to the school and must submit to the school any documentation the school requires to psove my eligibility for these benefits. ! am responsible for submitting the
appropriate requests on time. and I mey lose my benefits if [ fail to file my request on time.
DEFAULT - If I fall to meke a scheduled payment when due; If I fail to submit to the school, on or before the due date of a scheduled payment, documentation that I
qualify
for a deferment, cancellation, or forbearance; or if I fall to comply with the terms and conditions of this pmmlssury note or written repayment agreement, the
school may, at Its option, declare my loan to be in default and mey accelerate my loan (demand immediate payment of the entire unpaid balance of tim loan, including
principal, interest, late charges, and collection costs). The school, and the Secretary. if my loan is assigned to the Secretary for collection, shall disclose to credit bureau
organizations that I have defaulted and all other relevant loan information. [ will lose my right to defer payments and my right to forbearance If I default on my loan. I
will lose my right to receive cancellation benefits for service that is performed after the date the school accelerated the loan. ! will he ineligible for any further federal
student financial assistance authorized under the Act until I meke arrangements that are satisfactory to the school or the Seore~ry to repay my loan.
CHANCE OF STATUS - I will inform the school of any change In my name. address, telephone number. Social Security number, or driver's license number.
ASSIGNMENT. This note may he assigned by the school only to the United States, The provisions of this note that relate to the school shell where appropriate relate to
the assignee.
PROMISE TO PAY: I promise to pay the school, or a subsequent holder of the Promissory Note, the sum of amount(s) advanced to me under the terms of this Note, plus
interest and other fees which mey become due as provided in this Note. I promise to pay all reasonable collection costs, Including attorney fees and other charges.
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it, including the provisions on the reverse side. This loan has been
mede to me without security or endorsement. My signature certifies I have read. understand, and agree to the terms and conditions of this Promissory Note. THIS IS A
LOAN(S) THAT MUST BE REPAID
EXHIBIT "E"
Date:'/ ~ ·
Terms and Conditions (cont.)
HARDSHIP REPAYMENT OPTIONS- Upon my written request, ff l
qualify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an addiUonal ten (10) ~ and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if, in its opinion,
prolonged illness or unemployment prevent me from making the scheduled
repayments during which time interest wlU continue to accrue. The school
may permit me to pay less than the minimum monthly repayment rate for a
period of not more than one year at a time if I experience a period of
prolonged fl]ness or unemployment except such action may not extend the
~payment period beyond 10 yea~.
GRACE PERIODS - My imtial grace period before beginning repayment ~ 9
months. If ! am a Less-Than-Half-Tune ]3orrower with outstanding I ederal
Perkins Loans. my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Leas-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of:. 9
months from the date my loan was made, or 9 months from the date I became
less tJ~n a half-time $tuclent, even ff I ~'eived the loan after I became a less
than half-Urne student. My paymem3 will resume after a post-deferment grace
period of 6 months that follows deferments that apply to l~ederal Perkins
loans.
PR~IaAYM]~qT - I may prepay all or any part of my unpaid loan balance,
plus any ~ interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a p~payment. If I ~pay amounts during the academic year in
which the loan was made and the initial grace period ended, ordy those
amounts in excess of the amount due for any repayment period shall be
conside~d a prepa)qnent. If, in an academic year other than the award year in
which the loan was made. ! repay more than the amount due for an install-
merit, the excess will be used to repay principal unless I designate it as an
advance payment of the next regular installment.
MINIMUM MONTHLY PAYMENT - I win make a minimum monthly
repayment of $40 (or $30 if I have oumandmg Federal Peddns loans made
before October 1. 1992 that included the $30 rnirdmum payment option) if
~ by the school. If the total monthly repayment rate on this loan and
any oumandmg Federal Perkim ~ms I max ha~ is less than the minimum
monthly repayment rate established by the school, the school may still ~
a minimum monthly ~qaayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans, including tho~e made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
diffemace between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option, the minimum monthly mqaayrnent will be divided among the
schools in proportion to the amount of principal advanced by each $choul.
FORBEARANCE - Upon making a properly documented written request to
the school. I am entitled to forbearance of principal and interest or principal
only. renewable at intervals up to 12 months for periods that collectively do
not esceed thnm years, under the following conditions: If my monthly Title IV
loan debt burden equals or exceeds 200/o of my total monthly gro~ income; ff
the ~retary anthorlzes a period of forbearance due to a national military
mobilization or other national emergency; or ff the school determines that I
qualify due to poor health or for other reasons, including service in
AmerlCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school, I may defer making scheduled installment payments and will not
be liable for any interest that might otherwise accrue 1) during any period that
I am: enrolled and attending as a regular student in at least a half-time course
of study at a~ eligible school; enrolled and attending as a regular student a
graduate fellowship program approved by the Secretary; engaged in graduate
or post-graduate fellowship-supported study outside the US; enrolled and
attending a rehabilitation training program for disabled individuals approved
by the ~a~:a~etary; engaged in public service that qualifies me to have part or all
of my loan canceled; 2) for a period not to exceed three yeats during which I
am seeking but unable to find fuli-time employment. 3) for a period not to
exceed three yea~ during which ! am experiencing an economic hardship as
determined by the school. I am not eligible for a deferment while serving in a
medical internship or residency program. I may continue to defer making
scheduled installment payments and will not be liable for any interest that
might otherwise accrue for a six-month period immediately following the
expiration of my deferment period described in this paragraph.
CANCELLATIONS - Upon making a properly documented written request
to the school, I am entitled to have up to 100% of the original principal loan
amount of thLs loan canceled ff I perform qualifying service in the areas listed
in paragraphs A, B, C, D and E below. Qualifying ~ervice must be performed
after I receive the loan.
A. Teaching · a full-time teacher in a public or other nonprofit elementary or
secondary school, that has been clestgnated by the Secretary in accordance with
the provisions of section 465(a)(2) of the Act as a school with a high
concentratton of students from Iow-income famUtes. An official Directory of
designated Iow-income schools is published annually by the Sec~ta~. · a full-
time special education teacher in.a public or nonprofit elementary or
secondary school system. ° a Mil-time teacher, in a public or other nonprofit
elementary or secondary school system, who teaches mathematics, science.
foreign languages, bilingual education, or any other field of expertise that is
determined by the State Department of Education to have a shortage of
qualified teachers in that State.
B. Early Intervention Services · a full-time qualif'mcl professional provider of
early intervention services tn a public or other nonprofit program under public
superviston by a lead agency as authortzed by secUon 672(2) of the Individuals
with Disabtlities Education Act. Early Intervention Services are provided to
C. Law Enforcement or Comet"dona Officer · a full-time law enforcement
officer for an eligible local, State. or Federal law enforcement agency; or · a
full-time conecttons officer for an eligible local. State. or Federal correcUons
agency.
D. Nurse or Medical Tecimiclan · a full-time nurse providing health cae
services; or · a full-time medical technician providing health ca~ servtces.
E. Child or Family Service Agency · a full-time employee of an eligible public
or private non-profit child or family service agency who is providing or
.supervising the provision of servtces to high-risk chilclren who are from low-
income communities and the families of such childnm.
Cancellation Rates - For each completed year of service under paragraphs A.
B. C. D and E a pomon of this loan will be canceled at the following rates:
· 15% of the original principal loan amount for each of the first and second
years; · 20% of the original p~x~cipal loan amount for each of the third year
and fourth yems; and · 30% of the ortginal principal loan amount for the fifth
year.
F. Head Start Cancellation - Upon malting a properly documented written
request to the school. I am entitled to have up to 100% of the original
princtpal loan amount canceled for q~mnrying service pe~ormed after I receive
the loan as: · a full-time staff member in the educational component of a
Head Start program which is operated for a period comparable to a full school
year and which pays a ~nl~y comparable to an employee of the local educa-
tional agency.
Cancellation Pate - For each completed year of service under the Head Start
Cancellation provision, this loan will be canceled at the rate of 15% of the
ottginal princtpal loan amount.
G. Mifitary Cancellation - Upon making a properly documented written
~luest to the school. I am entitled to have up to 50% of the principal amount
of this loan canceled for qualifying service performed after I receive the loan
as: · a member of the Armed Forces of the United States in an area of
hoaUlttles that qualifies for special pay under section 310 of TiUe 37 of the
United States Code.
CancellaUon Rate - For each completed year of service under the Military
Cancellation provision, this loan will be canceled at the rate of 12 1/:7% of the
original principal loan am~nt.
H. Volunteer Service Cancellation - Upon making a properly documented
written request to the school. I am entitled to have up to 70% of the original
principal loan amount of this loan canceled for qualifying service performed
after I received the loan as: · a volunteer under the Peace Corps Act: · a
volunteer under the Domestic Volunteer Service Act of 1973 (ACTION
programs).
Cancellation Rate - For each completed year of serzice under the Volunteer
Service Cancellation provision, a portion of this loan wtll be canceled at the
following rates:
· 15% of the original principal loan amount for each of the ru~t and second
1Z-month periods of service; and · :?0% of the original princtpal loan amount
for each of the third and fourth 12-month periods of servtce.
I. Death and Disability Cancellation - In the event of my death, the school
· will cancel the total amount owed on this loan. If I become permanently and
totally disabled after I receive this loan, the school will cancel the total amount
owed on this loan.
VERIFICATION
I, THOMAS MEYER, Assistant Treasurer of Dickinson College, acknowledge that I have
the authority to execute this Verification on behalf of Dickinson College and certify that the
foregoing Complaint is based upon information which has been gathered by my counsel in the
preparation of this lawsuit. The language of this Complaint is that of counsel and not my own. I
have read the document and to the extent that this Complaint is based upon information which I have
given to my counsel, it is true and correct and to the best of my knowledge, information and belief.
To the extent that the content of this Complaint is that of counsel, I have relied upon counsel in
making this Verification.
This statement and Verification are made subject to the penalties of 18 Pa. C.S. § 4904
relating to unsworn falsification to authorities, which provides that if I knowingly make false
averments, I may be subject to criminal penalties.
Dated:
Dickinson College
Tho~ _a, __
Assistant Treasurer of Dickinson College
F: \FI LES\DATAFILE~Dickinson Collect.doc\40-com. I
F:~FILES\DATAFILE~DickinsonCollege 7619\DickinsonCollegeCollections7619C~Documents\40.pral~de
Created: 10/10/02 02:46:50 PM
Revised: 03/12/03 10:21:46AM
7619c.27
DICKINSON COLLEGE, ·
Plaintiff ·
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v. : NO. 03-939
: CIVIL ACTION-LAW
TARA E. JONES, :
Defendant : JURY TRIAL OF TWELVE DEMANDED
PRAECIPE TO DOCUMENT SERVICE PURSUANT TO THE
PENNSYLVANIA LONG ARM STATUTE
I hereby certify that a copy of the Complaint was mailed to Defendant, Tara Jones, on March
4, 2003, by certified mail, restricted delivery, return receipt requested.
Attached is the Post Office return receipt signed and dated March 7, 2003.
MARTSON DEARDO~ WILLIAMS & OTTO
B Daw'Tff'~. Gall~'~w~y,-"E~re
I.D. No. 87326
Ten East High Street
Carlisle, PA 17013-3093
(717) 243-3341
Date: March 11, 2003 Attorneys for Plaintiff
· Complete items 1, 2, and 3. Aisc complete
item 4 if Restricted Delivery is desired.
· Print your name and address on the reverse
so that we can return the card to you.
· Attach this card to the back of the mailpiece,
or on the front if space permits.
1. Article Addressed to:
2. Article Number ~'O~ /~'"','/'~) ~/ o~'~'..~
(Transfer from service label)
PS Form 3811, August 2001 ' Domestic Return Receipt
D. Is delivery addre~= different from item 17
If YES, enter delivery address below:
I-I Agent
[] Addressee
Delivery
J _l.~J-Certified Mail [] Express Mail
J [] Registered [] Return Receipt for Merchandise
J. [] Insured Mail [] C.O.D.
J 4. Restricted Dolivcry? (Extra Fee) ~
102595-02-M-1035
I1-1
=:13
PostageS
Return Receipt Fee
(Endorsement Required)
Restricted Delivery Fee
(Endorsement Required)
..........
DICKINSON COLLEGE,
Plaintiff
TARA JONES,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 20ff3 - 95f CIVIL TERM
JURY TRIAL OF TWELVE DEMANDED
TO: TARA E. JONES, DEFENDANT
NOTICE OF ENTRY OF DEFAULT JUDGMENT
YouareherebynotifiedthatonSeptember /7 ~,2003,thefollowlngJudgmentwasentered
against you in the above-captioned case.
Date:
onotary
I hereby certify that the name and address of the proper person to receive this notice under
Pa. R. Civ. P. 236 is:
Ms. Tara E. Jones
639 Plymouth Road, Apt. A-2
Baltimore, MD 21229
DICKINSON COLLEGE,
Plaintiff
TARA E. JONES,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 03-939 CW1L TERM
JURY TRIAL OF TWELVE DEMANDED
PRAECIPE
TO THE PROTHONOTARY:
Enter default judgment in the above-captioned action in favor of Plaintiff and against
Defendant in the amount of $11,968.08 plus interest fi.om January 31, 2003 in the amount of
$305.51, attorneys' fees in the amount of $1,795.21 for a total of $14,068.80, plus costs of suit and
interest of $1.37 accruing per day fi.om date of judgment for Defendant's failure to file an answer
to the Complaint.
I do hereby certify that a written notice of intention to file this Praecipe (in the form attached
hereto) was mailed to the Defendant at the address indicated thereon, on August 27, 2003, which
date was subsequent to the date default occurred and at least ten (10) days prior to the date of the
Praecipe.
LIAMS
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Attorneys for Plaintiff
& OTTO
Dated: September 15, 2003
DICKINSON COLLEGE,
Plaintiff
TARA E. JONES,
Defendant
1N THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-939
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
TO: TARA E. JONES; Defendant
NOTICE OF INTENTION TO FILE PRAECIPE
FOR ENTRY OF DEFAULT JUDGMENT
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT
AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE
YOU CAN GET LEGAL HELP:
Cumberland County Bar Association
32 South Bedford Street
Carlisle, Pennsylvania 17013
Telephone (717) 249-3166
David R. Gallowayj'~Tsquire
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
& OTTO
Attorneys for Plaintiff
Date: August 26, 2003
U.S. POSTAL SERVICE CERTIFICATE OF MAILING
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT
PROVIDE FOR INSURANCE -- POSTMASTER
Received From:
PS Form 3817, Mar, 1988
CERTIFICATE OF SERVICE
I, Tricia D. Eckenroad, an authorized agent of Martson Deardorff Williams & Otto, hereby
certify that a copy of the foregoing Praecipe was served this date by depositing same in the Post
Office at Carlisle, PA, first class mail, postage prepaid, addressed as follows:
Ms. Tara E. Jones
639 Plymouth Road, Apt, A-2
Baltimore, MD 21229
MARTSON DEARDORFF WILLIAMS & OTTO
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Dated: September 15, 2003
DICKINSON COLLEGE,
Plaintiff
TARA E. JONES,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CWIL ACTION - LAW
NO. 03-939 CIVIL TERM
JURY TRIAL OF TWELVE DEMANDED
PRAECIPE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please mark the judgment in the above-captioned case satisfied and issue a certificate
reflecting the same.
MARTSON DEA~S &
Ten East High Street
Carlisle, PA 17013-3093
(717) 243-33411
OTTO
Attomeys for Plaintiff
Date: March 3, 2004
CERTIFICATE OF SERVICE
I, Tricia D. Eckenroad, an authorized agent for Martson Deardorff Williams & Otto, hereby
certify that a copy of the foregoing Praecipe was served this date by depositing same in the Post
Office at Carlisle, PA, first class mail, postage prepaid, addressed as follows:
Mrs. Tara Roth
156 West Louther Street
Apt. 1
Carlisle, PA 17013
MARTSON DEARDORFF WILLIAMS &.OTTO
0ac~'
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Dated: March 3, 2004