HomeMy WebLinkAbout01-0172 FX
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F:\FILES\DATAFILE\Gendoc.cur\161918-com.l
Created: 1lI13/0002:56:13P:M
Revised: OI/08l0108:50:52AM
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DICKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
CIVIL ACTION - LAW
NO, 2001- !7 J.. CIVIL TERM
HEATHER LEIGH ROY,
Defendant
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
HA VB ALA WYER 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
MARTSON, DEARDORFF, WILLIAMS & OTTO
By
Attorneys for Plaintiff
Date: January 8, 2001
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DICKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
CIVlL ACTION - LAW
NO.2001-/1;L; CIVILTERM
HEATHER LEIGH ROY,
Defendant
COMPLAINT
AND NOW, comes the Plaintiff, Dickinson College, by and through its attorneys, Martson
Deardorff Williams & Otto, and hereby avers as follows:
1. Plaintiff is Dickinson College, 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 Heather Leigh Roy is an adult individual with a last known residence at
3321 Ansonville Marshville Road, Marshville, North Carolina 28103.
3. On or about August 29, 1994, Defendant entered into a Promissory Note - Federal
Perkins Loan Program ("Note #1") with Plaintiff. A copy ofthis Note #1 is attached hereto as
Exhibit "A".
4. The Note #1 provided for the financing of $2,000.00 plus interest and costs by
Defendant on her own behalffor educational services and benefits at Plaintiff's institution.
5, On or about October 11, 1995, Defendant entered into an additional Promissory Note
- Federal Perkins Loan Program ("Note #2") with Plaintiff. A copy of this Note #2 is attached hereto
as Exhibit "B".
6. The Note #2 provided for the financing of $2,500.00 plus interest and costs by
Defendant on her own behalf for educational services and benefits at Plaintiff's institution.
7, On or about January 21, 1997, Defendant entered into an additional Promissory Note -
Federal Perkins Loan Program ("Note #3") with Plaintiff. A copy of this Note #3 is attached hereto
as Exhibit "C".
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8, The 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,
9. On or about May 13, 1998, Defendant entered into an additional Promissory Note-
Federal Perkins Loan Program ("Note #4") with Plaintiff. A copy of this Note #4 is attached hereto
as Exhibit "D".
10. The Note #4 provided for the financing of $1,500.00 plus interest and costs by
Defendant on her own behalf for educational services and benefits at Plaintiff's institution.
11. The total collective outstanding principal balance for Note # 1, Note #2, Note #3 and
Note #4 is $8,000,00.
12. As of November 10, 2000, the outstanding balance due and payable by Defendant to
Plaintiff is $8,686.22, plus interest of$1.092 per day and costs accruing thereafter
13. The outstanding balance of$8,686.22 represents the total and actual overdue value
of the financing provided to the Defendant under Note #1, Note #2, Note #3 and Note #4 for which
Defendant has yet to pay.
COUNT I
BREACH OF CONTRACT
14, Plaintiff hereby incorporates by reference the averments contained in paragraphs 1
through 13 ofthis Complaint.
15, Plaintiff has fulfilled, performed and complied with all obligations and conditions of
Note #1, Note #2, Note #3 and Note #4.
16, Defendant has breached the expressed and implied obligations, conditions and terms
of agreement of Note #1, Note #2, Note #3 and Note #4 to pay the amounts financed therein.
WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of
$8,686,22, plus interest ~t $1.092 per day and costs accruing subsequent to November 10, 2000, and
said amount is within the limits set forth for compulsory arbitration in Cumberland County,
Pennsylvania.
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COUNT n
OUANTUM MERUIT
17. Plaintiff hereby incorporates by reference the averments contained in paragraphs 1
through 16 of this Complaint.
18. The Defendant is liable to the Plaintiff and/or has been unjustly enriched in the'amount
of$8,686,22 plus interest at $1.092 per day and costs accruing subsequent to November 10, 2000,
WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of$8,686.22
plus interest at $1.092 per day and costs accruing subsequent to November 10, 2000, and said
amount is within the limits set forth for compulsory arbitration in Cumberland County, Pennsylvania.
MARTSON DEARDORFF WILLIAMS & OTTO
Byt..f!J& ~
I.D. No. 83794
Ten East High Street
Carlisle, PA 17013-3093
(717) 243-3341
Attorneys for Plaintiff
Date: January 8,2001
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YElUFlCATION
Thomas Meyer, who is the Assistant Treasurer of Dickinson College and acknowledges that he
has the authority to execute this Veri:fication on behalf ofDlckinson College, and further certifies that
the foregoing Complaint is based upon information which has been gathered by my counsel in the
preparation of the lawmit. Thelanguage of this Complaint is that ofcounse1 and not my own. I have
read the document and to the extent that the Complaint Is based upon. information which I have given
to my counsel, it is true and correct to the best of my knowledge, information and belief. To the
extent that the content of the Complaint is that of counsel, I have relied upon counsel in maIdng this
Verification.
This statement and Verification are made subject to the penalties of 18 Pa. C.S. Section 4904
relating to unsworn falsification to authorities, which provides that if I make knowingly fiIIse
avennents, I may be subject to criminal penalties.
Dickinson College
By: ~~
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PERKINS (NDSL) TRUTH-IN-LENDING STATEMENT
DICKINSON COLLEGE
Account Number
00273-000-00-2914-09
Name of BOrrower
Heather L. Roy
Address
P.O. Box 204
Henderson NY 13650
ANNUAL PERCENTAGE
RATE
AMOUNT FINANCED
The cost of your
credit as a yearly
rate.
The amount of
credit provided
to you.
Prior to
repaytllent
During
repayment
o
%
5 %
$ 2,000.00
Itemization of the Amount Financed: $2.000.00
Amount given directly to you.
Late Charge: If a paytllent is late, you may be charged: $~.OO for the first
late payment, and $2.00 for each subsequent late payment if
this loan is payable monthly, $3.00 for each late payment if
this loan is payable bimonthly, $6.00 for each late paytllent
if this loan is payable quarterly.
Prepayment: If you payoff early, you will not have to pay a penalty.
See your promissory note for any additional information about nonpaytllent, de-
fault, any required repayment in full before the scheduled date, and pre-
payment.
THE BORROWER A~~OWLEDGES RECEIPT OF AN EXACT COPY OF THIS STATEMENT.
STUDENT ~ fb L ~
BORROWER . Cl: eY .
DATE f)~ - q ..~ q ~_
INSTITUTIONAL ~
REPRES~TATIW (~ ~
DATE 8-"2 '1~ lj <{ . :z.Xhibi t
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Promissorv Note-Federal Perkins Loan Prol!ram
[Any bracketed clause or I!.aragraph may be iocluded at optioo of institutioo.]. .
I Heather L. KOY , promise to pay to 01 ck 1050n Co 11 eae (hereiaafter called the
rosrltution), located at Car 1 i 5 reo PA 17013-2896 , the sum of the amounts that are advanced to me and endorsed in the
Schedule of Aclvances set forth below. 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 further understand and agree that:
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(I) AODlicahle Law. All sums advanced under this note are drawn from a fund crested under Part E of Title IV of the Higher Education Act
of 1965, as amended (hereinafter called the Act), and are subject to the Act and the Federal regulations issued under the Act.. The terms of this
note shall be interpreted in accordance with the Act and Federal regulations, copies of which are to be kept hy the Institution.
(2) Procedures for Reeeivimr Deferment. Cancellation. or Forbearance. I understand that, to receive a deferment, C8JlCellation, or
forbearance, I must request the deferment, cancellation, or forbearance in writing from the Institution and must submit to the Institution any
cIocumelllalion required by the Institution to prove that I qualify for the deferment, cancellation, or forbearance. I further understand that, if I
am eligible for deferment, cancellation, or forbearance under Articles VI through XIV, I am responsible for submitting the appropriate requests
on time. I further understand that I may lose my deferment, cancellation, and forbearance benetits if I fail to tile my request on time.
IT. Interest
Interest sba1J accrue from the beginning of the repayment period and shall be at the ANNUAL PERCENTAGE RAm OF FIVE PERCENT
(5~) on the unpaid balance, except that no interest shall accrue during any deferment period described in Article VIT.
m. Reoavment
(I) I promise to repay the principal and the interest that accrues on it to the Institution over a period beginning nine (9) months after the date
I cease to be at 1e8st a half-time regular student at an institution of Ibigher education, or at a cnmparable institution outside the United States
approved for this purpose by the United States Secretary of Education (hereinafter called the Secretary), and ending ten (10) years later, unless
that period is [shortened under paragraph mIS), or] extended under paragraphs m(4), m(7) (extensions), VIT(I), or VIT(3) (deferments).
(2) Upon my written request, the repayment period may start on a date earlier than the one indicated in paragraph Ill(1).
(3)(A) I promise to repay the principal and interest over the course of the repayment period in equal monthly, himonthly, or quarterly
installments, as determined by the Institution. I understand that, if my installment 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 highest dollar amount that is a multiple of $S.
(8) Notwithstanding paragraph m(3)(A), upon my written request, repayment may be made in graduated installments in accordance with a
schedule approved hy the Secretary. .
(4) Notwithstanding paragraph m(l), if I qualify as a low-income individual during the repayment period, the Institution, upon my written
request, may extend the repayment period for up to an additional ten (10) years and may adjust any repayment schedule to rellect my income.
[(S)(A) If the monthly rate that would be established under paragraph m(I), or the total monthly repayment rate of principal and interest on
all my Federal Perkins Loans, including this loan, is Ie... than $40.00 per month, I shall repay the principal and interest on
this loan at the rate of $40.00 per month (which includes both principal and interest).
(S)(8) If I have received Federal Perkins Loans from other instilUtions and the total monthly repayment rate on those loans is I... than
$40.00 the $40..00 monthly payment established under subparagraph Ill(S)(A) includes tho amounts I owe
on all my outstanding Federal Perkins Loans, including those received from other institutions. The portion of the $40.00
monthly payment that will be applied to this loan will be the difference hetween . $40..00 and the total of the amounts owed at a
monthly rate on my other Federal Perl<ins Loans.
(6) The ,Institution may permit me to pay Ie.. than the rate of $40.00 per month for a period of not more than ono (I) year
where necessary to avoid hardship tome unless that ac'ion would extend the repayment poriod in paragraph m(!).)
(7) The Institution may, upon my written request, reduce any scheduled repayments or extend the repayment period indicated in paragraph
m(l), if, in its opinion, circumstances such as prolonged illness or unemployment prevent me from making the scbeduled repayments.
However, interest shall continue to accrue.
IV. PreDavmeot
(I) I may, at my option and without penalty, prepay all 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 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 amnunts 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
(l) The Institution may, at its 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, if-~
(A) I do not make a scheduled payment when due under the repaymen' scbedule establisbed by lbe Institution; and
(8) I do Dot submit to the InstiNtion, 00 or before the date 00 which payment is due, documentation that I qualify for a deferment,
cancellation, or forbearance as described in Articles VI, VII, vm, IX, X, XI, XII, xm, 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 relevant
Page I of 4
Federal Perkins/July 1993
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information.
(3) I uDderstand that, if I default OD my loan, the InstitutioD may disclose that I bave defaulted, a10Dg with other relevant informatioD, to
credit bureau organizatio....
(4) Further. I understand that, if I default OD my loan and the loan is assigDed to the Secretary for collectioD, the Secretary may disclose that
I have defaulted, along with other relevant information, to credit bureau organizations.
(5) I uDderstand that, if I default OD my loan, I will lose my right to forbearance.
(6) I understand that, if I default OD my loan, I will lose my right to defer repayments.
(7) I understand that, if the InstitutioD accelerates the loan under paragrapb V(l), I will lose my right to receive a cancellation of a portion of
my loan for any service described in Articles vm, IX, X, XI, XU, xm, or XIV performed after the date the InstitutioD accelerated the loan.
(8) I understand that failure to pay this obligatioo uDder the terms agreed UPOD will preveot my obtaining additiooal student fioancial aid
authorized under Title IV of the Higher EducatioD Act of 1965, as amended, until I bave made arrangemeDts that are satisfactory to the
InstitutioD or the Secretary regardiDg the repaymeDt of the loan.
VI. Forbearance
(I) I understand that, upon making a properly documeDted writteD request to the Institutioo, I am eDtitled to be granted forbearance of
principal and interest or principal oaly, renewable at 12..month intervals, for a period not to exceed three years, if-
(A) My debt burdeD equals or exceeds 20 perceot of my gross iDcome; or .
(8) The Institutioo determines that I qualify for other reasons.
VII. Defennent .
(I) I understand that, upon making a properly documeDted writteD request to the Jnstitutioo, I may defer making scbeduled installmeDt
payments and will Dot be liable for any interest that might otherwise accrue duriog the following periods:
(A) For any period that I am-
(i) Enrollad and io attend_e as a regular student iD at least a balf-time COUTse of study at an eligible institutioD;
(Ii) Enrolled and iD attendance as a regular studeot in a course of study that is part of a graduate fellowship program approved by the
Secretary;
(iii) EDgaged iD graduate or post-graduate fellowsbip-supported study (such as a Fulbright grant) outside the United States; or
(iv) Enrollad and in atteDdance io a course of study that is part of a rehabilitatioD trainiDg program for disabled individuals approved by the
Secretary.
(8) For any period that J am eDgaged iD service described in Articles vm, IX, X, XI, XU, xm, or XIV of this agreemeDt.
(C) For a period Dot to exceed three (3) years during wbicb-
(i) I am seekiDg and unable to find filII-time employment; or
(ii) For any reasoD that my JnstitutiOD determines bas caused or will cause me to bave an economic bardship.
(2) I understand that I am not eligible for a deferment under paragrapb (VlJ)(I)(A) while I am;serving in a medical internsbip or residency
program.
(3) I understand that I may continue to defer makiDg scheduled installment payments and will not be liable for any interest that might
otherwise accrue for a six (6) month period immediately following the expiratioD of any deferment provided in paragraph VU(1).
VIII. Teachinl! Cancellation
(I) I understand that, UPOD making a properly documented written request to the InStitutiOD, I am eDtitled to have up to 100 percent of the
amount of this loan plus the intorett thereoD canceled if I perform qualifyiDg service after the period for which I received the loan-
(A) As a full-time teacber in a public or other nooprofit elemeotary or secoodary school in lbe scbool district of a local educatiooal ageDcy
that is eligible in such year of service for funds under Chapter 1 of the Education Consolidation and Improvement Act of 1981, as amended, and
which has been designated by the Secretary (after consultation with each State Department of Education) in accordance with the provisions of
seetioo 465(a)(2) of the Act as a school with a bigh cODceotratioo of students from 10w-iDcome families. A11 official Directory of designated
low-income schools is published annually by the Se<:retary;
(8) As a full-time special education teacher (inclUding teachers of infants, toddlers, children, or youth with disabilities) in a public or other
nonprofit elementary or secondary school system, or as a ftJtI..time qualified professional provider of early intervention services in a public or
other nonprofit program UDder 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 Departmeot of Education to have a shortage of qualified teacbers.
(2) A portioo of this loan will be canceled for e.ch completed year of teachiDg service at lbe followiDg rates:
(A) 15 percoDt of the total principal amount of lbe loan plus iDterest DO lbe uopaid balance accruing duriDg that year for each of lbe first and
second complete academic years of that teaching service;
(8) 20 perceot of the total priDcipal amouDt of lbe loan plus interest OD lbe uopaid balance accruing duriog lbat year for eac.h of lbe lbird and
fourth complete academic years of that teachiog servicej and
(C) 30 perceot of lbe total priDcipal amouDt of the loan plus interest DO lbe unpaid balance accruing duriog that year for the fifth complete
academic year of that teaching service.
IX. Head Start Cancellation
(I) I understand that, upon makiDg a properly documeoted writteo request to the Institutioo, I am entitled to bave 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 iD a Head Start program if-
(A) That Head Start program is operated for a period that is comparable to . full school year iD the locality; and
Page 2 of4
Federal Perkins/Iuly 1993
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(B) My salary is Dot more than the salary of a comparable employee of the local educational agency.
(2) This loan will be canceled at the rate of IS perceDt of the total prin.ipal amouDt of the loan plus iDterest OD the uDpaid balance ....ruing
during that year for each cOlllplete school year or equivaleDt period of servi.e iD a Head Start program.
(3) Heed Start is a preschool program carried out UDder the Healll Start A.t.
X. Militarv Can.ellatioD
(1) I understanc1 that, upon making a properly documentedwrilleD request to the InstitutioD, I am entitled to have up to SO perceDt of the
prin.ipal amouDt of this loan plus the interest thereoD .an.eled if I serve as a member of the Armed Forces of the United States in an area of
hostilities that qualilies for spe.ial pay under sectiOD 310 of Title 37 of the United States Code.
(2) This loan will he .anooled at the rate of 12 1/2 per.ent of the total priD.ipal amouDt of the loan plus iDterest aD the uDpaid balan.e
ac.ruing during that year for each .omplete year of su.h qualifyiDg servi.e after the period for whi.h I received the loan.
XI. Volunteer Service CancldlatioD
(1) I uDdorslllDd that, UPOD making a properly documeDted written request to the InstitutiOD, I am entitled to have up to 70 perceDt of th.
amount of this loan plus th.interest thereoD .ancel.d iff p.rform qualifying servi.. after the p.riod for which I receiv.d th. loan-
_ (A) As a volullteer und.r th. Peac. Corps Act; or
(B) As a volunteer under the Domesti. Volunteer Servi.e Act of 1973 (ACTION programs).
(2) This loan will be canceled at lb. following rates:
(A) 15 percOlll of th. total principal amouDt of the loan plus inter.st aD th. uDpaid balanc. ...cruing during that year for each of lb. lirst and
socOlld twelve (12) mODth p.riods of voluDteer servi.e .ompl.ted; and
(B) 20 percent of the total principal amoUDt of tho loan plus inter.st on the unpaid ba1ance ....ruiDg during that year for each of the third sod
fourth twolve (12) mOllth periOds of voluDteer servi.e compl.ted.
XlI. Law 'Enf'nI't!HI""ut or Corrections Officer Cancellation
(1) I undorslllDd that, UpOIl making a properly documented written request to lb. Institution, I am .Dtitled to have up to 100 p.rc.nt of the
amouDt of this loan plus the interest th.r.on .anc.led iff perform qualifying servi.. after the period for which I rec.ived the loan-
(A) As a full-time law enforc.m.Dt offi.er for service to an eligible local, Slate, Dr Federal law enforcement ageD.y; or
(B) As a fuD-time corrections offi..r for service to an eligible local, Slate, or F.deral.orrections ag.ncy.
(2) A portiOD of this loan will be .an.eled for each .ompleted year of law eDforcem.nt or .orr.ctions servi.. at the foDowiDg rates:
(A) 15 p.rcent of the total prin.ipal amount of the loan plus interest aD the ullpaid ba1an.e ....ruiDg during that year for each of the lirst and
second .omplete y."", of that servi.e;
(B) 20 perc.Dt of lbe total principal amouDt of the loan plus interest 011 the uDpaid balanc. ....ruing during that year for each of th. third and
fourth complete years of that service; and
(C) 30 perc.nt of the total prin.ipal amouDt of the loan plus iDterest all the unpaid balan.e ....ruiDg during that year for the lifth .omplete
year of that service.
XDI. Nurse or Medieal Technician Cancellation
(1) I undorslllDd that, UPOD making a properly docum.Dted writteD r.qu.st to the InstilUtiOD, I am .ntitled to have up to 100 p.r..nt of lbe
amoullt of this loan plus the interest thereoD canc.led if I perform qualifying servi.e aft.r th. p.riod for which I r...ived the loan as a full-tim.
nurse or medical technician providiDg health care services.
(2) A portioD of this loan will be .an.eled for each completed y.ar of servi.. at th. followiDg rates:
(A) IS perc.Dt of the total principal amount of the loan plus iDt.r.st OD the uDpaid balan.e accruing during that year for ea.h of the lirst and
second compl.te years of that servic.;
(B) 20 perc.nt of the toIal principal amouot of th. loan plus int.rest on th. uDpaid balanc. ...cruing during that year for ....h of th. third and
fourth complete years of that service; and
(C) 30 p.rc.Dt of the total prin.ipal amouDt of th. loan plus iDt.rest aD lb. uDpaid balanc. ....ruiDg during that year for th. lifth .ompl.te
year of that service.
XIV. Child or Familv Servi~e A~encv Cancellation
(1) I und.rstand that, UPOD making a properly docum.Dted writt.n r.questto lb. InstilUtiOD, I am .Dtitled to have up to 100 perc.Dt of th.
amount of this loan plus inteJ:'est thereon canc:eled if I perform qualifying service after the period for which I 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 childr.D who are from low-incom. .ommuniti.s and th. famili.s of such .hildreD.
(2) A portiOD of this loan will b. can..led for each compl.t.d y.ar of service at th. followiDg rates:
(A) IS perc.Dt of lb. total priD.ipal amount of lb. loan plus iDterest aD th. uDpaid balanc. ...cruing duriDg that y.ar for ea.h of th. lirst and
second complete years of that service;
(B) 20 per.eDt of th. total priD.ipal amouDt of the loan plus iDter.st on th. uDpaid balanc. accruing duriDg that y.ar for ....h of the third and
fourth compl.te years of that servic.; and
(C) 30 p.rc.nt of lb. total priDcipal amouDt of th. loan plus iDter.st aD the uDpaid balanc. ...cruiDg duriDg that y.ar for th. lifth compl.te
year of that service.
XV _ Death and Disability Cancellation
(1) In th. eveDt of my d.alb, th. total amouDt ow.d aD this loan will be can..I.d.
(2) If I become p.rman.lltly and totally disabled aft.r I r...iv. this loan, th. InstitutioD will canc.1 th. total amouDt of Ibis loan.
XVI. Cbanlle in Name. Address. TeleDhone Number. or Socia! Security Number
I am responsible for informing the Institution of any change or change.s in name, address, telephone number, or Social Security number.
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F.d.ral Perkins/July 1993
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xvn. lAte Char.e
(1) The lostitutioo will impose ..late charge if-
(A) I do not make a scheduled payment when it ill due; and .
(8) I do not submit to the lostitution, on or before the elate on which payment is due, docUDlentatioo that I qualify for a deferment,
cancellation, Of' forbearaDce as described in Articles VI, VB. vm, IX, X, XI, xrr, xm. or XIV of this agreement.
(2) No charie may exc"" 20 perceut of my monthly, bimonlhly, or quarterly paymenL
(3)(A) The lostitution may-
(il Add the late charge to the principal the day after the scheduled repayment was due: or
(ij) Joclude it with the next scheduled repayment after I have received notice of the late charge.
(8) If the lostitution elecrs to add the late charge to the outstanding principal of the loan, it must so inform me before the due elate of the
next installment.
XVUI. Assil!nment
(I) This note may be assigned by the lostitution only lo-
(A) The United States;
(8) Another institution upon my traosfer to that 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 lostitution shall, where appropriate, relate to an assignee.
(3) Any holder of this loan is subject to all claims and defe.....s that I could assert against the lostitution that made this loan; my recovery is
limited to the amount I repaid on this Joan.
XIX. Prior T nsanct
I hereby certify that I bave listed below all of the Federal Perkins Loans I have obtained at other institutions. (If no prior loans have been
received, state "None. If)
FEDERAL PERKINS LOANS AT OTHER INSTITUTIONS
,Amount Date Institution
1
2
J
4 DnP
XX. Schedule of Advances
The following amounts were adVBJlCed to me under this loan agreement on the dates indicated:
Amount Date Signature of Borrower
3
4
NOTICE TO BORROWER; DO NOT SIGN 1'BIS NOTE BEFORE YOU READ IT.
I UNDERSTAND AND AGREE TO AlL OF THE FOREGOING TERMS AND CONDmONS.
~isno~~..<~
Slgn.tor. . ;;J (seal))
Date CJf?-ZCJ ,J9$(
Permanent Address (Street or Box Number, City, State, and Zip Code)
?o. Box 2D,/ fle..ndef'SOx. / >>1 . /3060
Social Security Number (borrower must provide) 6, Sq - 7 '-1- DC??"
The borrower and Institution shall execute this note without security and without endorsement.
The Instirution shall provide a copy of this note to you and you should retain the copy for your records.
(Authority: 20 U.S.C.1087dd)
Page 4 of 4
Federal PerkioslJu1y 1993
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PERKINS (NDSL) TRUTH-IN-LENDING STATEMENT
DICKINSON COLLEGE
Account Number
nn?7~-Onn-OO-?q14-nq
Name of Borrower ~o~+ha~ I oigh Dny
Address ?791 Merrhant St.. PO Box 204
Henderson. NY 13650
ANNUAL PERCENTAGE
RATE
,
AMOUNT FINANCED
The cost of your
credit as a yearly
rate.
The amount of
credit prOvided
to you.
Prior to
repayment
During
repayment
o
%
5 %
$ 2.500.00
Itemization of the Amount Financed: $ 2.500.00
Amount given directly to you.
Late Charge: If a payment is late, you may be charged: $1.00 for the first
late payment, and $2.00 for each subsequent late payment if
this loan is payable monthly, $3.00 for each late payment if
this loan is payable bimonthly, $6.00 for each late payment
if this loan is payable quarterly.
Prepayment: If you payoff early, you will not have to pay a penalty.
See your promissory note for any additional information about nonpayment, de-
fault, any required repayment in full before the scheduled date, and pre-
payment.
THE BORROIlER ACKNOWLEDGES RECEIPT OF AN EXACT COPY OF THIS STATEMENT.
INSTITlITIONAL
REPRESENTATIVE
~
D~E D~E
Exhibit "B"
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00273-000-00-2914-09 -09
Promissorv Note-Federal Perkins Loan Pro2ram
(Any bracketed clause or paragraph Dlay be included at option of Institution.). . .
I, Heathpr I piilh 'ROn 'rromise 10 pay 10 01cklnson ColleQe (hereillaftercalledthe
lostimtion), locaIed at Car Ti 5 1 e. PA 170 3-2896 , the sum of the amounts that are adVllllCed 10 me 11IIII endorsed in the
Schedule of AdvlIIICes set forth below. I promise 10 pay all reasouahle coUectiOD costs. iDcludillg alIonIey fees 11IIII other cbarges, aeceasary for
the coIIecliOll of uy amount IIOl paid when due.
I further uuderstand ud agree that:
1. ~D1icable Law. All "IIDS advanceclllJlder this Dote are drawn from a fuDd created uDder Part E of Title IV of the Higber EducatiOll Acl
Clf 1965, as amended (hereinafter called the Acl), 11IIII are subjecllothe Aclllllll the Federal regulatious issued UDder the Acl.. The terms of this
DOle shall be iDlerpreled in accordance with the Acl ud Federal regulatious, copies of wbich are 10 be kepI by the Instibltion.
(2) Procedures for Receivin2 Defermenl. Cucellation. or Forbearance. I uuderstand that, 10 receive a defermeDt, canceUatioD. or
forbearaDce, I must requealthe deferment, C8IlCeUation, or forbearance in writing from the InstitutioD 11IIII must SIlbmil to the Instibllion auy
documentation required by the InslimtioD to prove that I qualify for the defermeul. .......UatiOIl, or forbearance. I further W1del'Sllllld that, if I
.... eligible for defermenl, cancellation. or forbearance under Articles VI Ihrougb XIV, I am respoasible for SIlbmittiDg the appropriate requea
On time. I further uDderstand that I may lose my defermenl, cancellatioD, aud forbearance beuefilS if I fail to file my requeal on time.
n. I!!!m!l
Interest oIIaII accrue from the begiDDiDg of the repaymeDl period and shall be at the ANNUAL PERCENTAGE RATE OF mE PERCENT
(5'10) OD the unpaid balance, except that DO inlerest shall accrue during any defermeDI period described in Article VII.
m. ReDavment
(I) 1 promise to repay the principal 11IIII the iDlerest thaI accrues OD il to the InstitutiOD Clver a period begianiDg Dine (9) months after the dale
I ceue to be at 1elisr a half-lillle regular studeDl at au institution of higber education, or at a comparal>le institutiOD oullide the UlIiled S_
approved for this pUI'pCIM by the UlIiled SlaleS Secrelary of Education (hereillafter called the Secrelary), 11IIII eudiD& leD (10) years later, uDleu
that period is [shortened uuder paragraph m(S), or) IllteDded uDder paragraphs m(4), m(7) (exleDSious), VJI(1). or W(3) (defermenlS).
(2) Upon my wrilteD reqlleal, the "'paymeDl period may SlII:t OD a dale earlier lbaD lbe ODe indicated in JlUll&l8Ph m(l).
(3)(A) I promile to repay lhe principal and iDlerest over the course of the repayment period in equalmouthJy, bimonthly, or ~Iy
insta1ImeDlS, as dalermiDed by the Institution. I understand that, if my iDSla1Imeut payment for all the 10IlIIS made to me by the Instibltion is DOt
a multiple ofSS, lbe InstibltioD may lOuDd that paymenl CO the Dext higbest dollar amoual that is a mullip/e of SS.
(B) NolwithslaDdiDg paragraph m(3)(A), upon my wrilteD requell, repayment may be made in graduated inslaUmeDlS in accordance with a
..bedule approved by the Secretary. .
(4) NolwidulaDdiDg paragraph III(I). if I qualify as a low-inco..e individual dUring the repaymCDl period, the InstitutiOD, UpOD my wrillea
""Uesl, may extend the repaymenl period for up CO an adcIiliolllllleu (10) years 11IIII may adjUSl any repaymenl schedule to refloct my iDcome.
((5)(A) If the lDOIIlhly rate that would be esrablished UDder paragraph m(I), or Ibe lOlllIlDOIIlhly repaymenl rare of principal 11IIII iDieresr on
all my Federal Perkins Loans. iDcIwIing this loau, ;. less lbaD $40.00 per JDODlh. I oIIaII repay the principal and iDlerest OD
this lOIIIl at the rate of $40 . 00 per mouth (wbich includes both priacipal 11IIII intereat).
(S)(B) If I bave received Fedetal Perkins Loans from other instimtioDS IIIIIIlbe cow mODlbJy repaymeDt rate OD Ibose 10IlIIS is 1_ lbaD
$40. DO Ibe $40.00 mODthly paymeD! OSlablished under subparagraph III(S)(A) iDcludea Ibe ....ounlS I owe
on aU my oulSlaDding Federal Perkins Loans, iDcludiDg Ibose received from other institutions. The portiOD of the $40.00
moalhly paymeDllbat wiD be applied to this loau wiD be Ibe differeuce be_ . $40.00 11IIII the cow of the _ts owed at a
mouthJy raIAl on my other Federal Perkins Loans.
(6) The ,Instilulion may permil me to pay I... than the rare of $40.00 per mODth for a period of DOl more than one (I) year
'Wilere _euary to avoid bardship to me unless that action would exte"" Ibe repaymeDI period in paragraph III(I).)
(1) The Instilulion may, UpoD my wrilleD reqlleal, reduce any scheduled repa)'DleDlS or exteDd Ibe repaymenl period indicated in paragraph
III(I), if, in its opiniOD. circalDSl81Jces such aa plOlonged illness or uDCDIployment preveal me from making the scheduled repaymeDts.
However t iDterest tball contU:t.ue to Beenae.
tv. PreDaYmeDt
(I) I may, at my optiOD 11IIII wilbouI peualty, prepay all or any part oflbe principal, plus auy accrued interest thereoll, at auy time.
(2) AmollDlS I repay in the academic year in wbich the loau ..... made IIIIIIlbe initial grace period has DOl ended will be used to reduce the
lUDODDI of the loau aud wiD Dol be cClusidered a prepaymeDL
(3) If 1 repay amounlS during the academic year in which the loau was made and lbe initial grace period eDded. only Ibose amounlS in excess
of lbe amouDl due for any repaymenl period oIIaII be cousidered a prepaymeuc.
(4) If, in an academic year olber lbaD the award year in which Ibe loan was made, I repay more than the amouD! due for an iDsIa1ImeDI the
ex..... will be used CO repay principal unless 1 desigaate il as au advaace paymenl of the DOlt! regular iDslaIImenL '
V. Defaull
(I) The Instimtion may, at its OptiOD, declare my loau 10 be in defaull aud may demand immediate paymeDI of the entire uDpaid balance of
the I....., iDcludiDg principal, interest, late charges, and coIloction costs, if-
(A) I do DOl make a scheduled paymenl wheD due under the repayment schedule established by the InstiNtioa; ud
(B) 1 do DOl SIIbmillo the Institution, OD or before lbe dale on which paymeDt is due, dllCumea!alion lbat 1 qualify for a defermeDl,
IOaDceJlalion, or forbearance.. described m Article, VI, VII, vm, lX, X, Xl, XU, XIII, or XIV of rhil agreement.
(2) I understand that the Institution may disclose to credit bureau organizatioDS the amouot of loans made to me, along with other relevaDt
Pagel 0(4
Fedetal PertiDs/luly 1993
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information.
(3) I uod.nlaIuI thai, if I d.fault 00 my lOllI, th. Wtibltioo may disclose thai I bav. d.faullOd, aloog with oth.r rel.vant iDformatioo, to
croclit butoall organizatio...
(4) Furth.r, I uod.nlaIuI thai, if I d.fault .0 my loan and th. loan is assigDed to th. Socretary for colloctioo, the Socr.tary may disclose thai
I have defaulted, aJODg with other relevant information, to credit bureau organiz.alioos.
(5) luod.rstaad that, if I d.fault OD my lOllI, I ~lIlose my right to forbearaac..
(6) luad.rstaad that, if I d.fault OD my loan, I will lose my right to defer ropaym'DIS.
(1) luadorstaad that, if the WtihltiOD acc.l.rates th. loan uader paragraph V(1), I will lose my right to rec.ive a canceDatioD of a POrtiOD of
my I... for any service described io Articl.. VIII, IX, X, XI, XII, xm, or XlV p.rformed after th. date the IastibltioD acc.l.rated th. loan.
(8) luad.rstaad thai failure to pay Ibi. obligatioD uad.r the terms agreed upoo will preveo. my oblaiaiDg sdditioaal stIIdeot fiaaacial aid
authorized uad.r Titl. IV of th. High.r EdllCatioD Act of 1965, as am.oded, uotil I bav. mad. arnng.meDIS that are satisfactory to th.
lastibltioa or th. Socretary regardiDg th. ropaym.ot of th. loan.
VI. Forbearance
(I) IlIDd.rstaad that, UpOD makiag a prop.rly dOCllm'DlOd wrilteD requ.st to th. Wtibltioo, I am eotitled to b. granlOd forbearaace of
priacipal aDd iaterest or priDcipal Daly, reDewahle at 12-moDth iatervals, for a p.riod oot to .xceed throe yoars, if-
(A) My debt burd'D oquais or excoods 20 perceot of my gross iacom.; or .
(8) Th. Wtibltioo determiaos that I qualify for oth.r reaso...
vn. Deferment .
(I) luadorstaad thai, UpOD makiag a properly dOCllmoated wrilteD request to lbe WtibltiOD, I may d.fer malciDg scbeduled iastaIlm'Dt
paymeDls aDd wiD DO' b. liable for ..y iaterest that might olberwise accrue dUriDg the followiDg p.riods:
(A) For..y period that I am-
(i) EarolJed and ia atteadaace as a regular ItIId.ot ia at least a balf-time ClllmO of stIIdy at an eligibl. iastibltioD;
(ii) Earolled..d ia atteadaace as a reglllar .1IIdoat ia a course of sllldy that is pan of a gnuluate f.lIowship program approved by the
Secretary;
(iii) Sagaged iD gnuluate or post-gnuluate f.lIowsbip....pportecll stIIdy (sucb as a Flllbright grant) OIItside tho UailOd Stalell; or
(iv) EaroIled aDd ia atteaclaace in a course of ItIIdy that is pan of a rehabilitatioD lraiaiag program for disabled iadividuals approved by the
Secretary.
(B) FDr..y period that I am oagaged in service described ia Articl.s vm, IX, X, XI, XII, xm, or XlV of this agroemeDL
(C) For a period DOt to exceed three (3) yoars duriDg wbicb-
(i) I am soekiag aDd uaabl. to fiad fiIlI-time omploymoat; or
(II) For..y reasoJl that my WtibltioD determiaos bas caused or will cause me to bave .. ocoDomic bardship.
(2) I lIDderstaad that I am _ .ligibl. for a defermODt uoder paragrapb (VI1)(I)(A) while I am'serviDg ia a medical interaship or rosidoacy
program.
(3) I uaderstaad that I may coatiaue to defer makiag schedllled iastallmeDt paymoalS aDd will DOt be liable for any iaterost !bat might
olberwise _ for a six (6) molltb p.riod immediately foDowiDg tho expiratioD of ..ydefermeat providod in paragraph VII(1).
vm. TeachiJl2 Cancellation
(I) I uaderstaad that, UpOD mskiag a properly cIocllDl'Dted wrilteJl request to lbe WtibltiOD, I am oatitlodto bave up to 100 peteem of the
amOllDt of Ibis I... plus the in_thOROD caaceled if I perfona'luaJjfyiag service after the period for wbich I rec.ived the loaa-
(A) As a filD-time taacher in a public or other Dooprofit elomeDtary or secoadary school ia the school district of a local oducatioaal agoacy
thai is eligible in SIIcb year of service for fuods UDder Chapter I of the EducatioD CoasolidatioD aDd Improvemoat Act of 1991, as amoaded, aDd
whicb has beea desigaated by the Secretary (after cODSIIlratioDwith each State DopartmeD. of EducalioD) iD accordlDCe with the provillio.. of
seelioD 465(a)(2) of the Act as a scbool with a bigh CODCoalratiOD of studeDIS from low-income familia. AD official Directory of desigaalOd
low-income scboola is published lIIIIlua1ly by !be Secretary;
(B) As a filii-time special educatiOD teacher (iDcludiag teacbers of iafanlS, toddl.rs, childreD, or youth with disabilities) ia a public or other
nonprofit elementary or seeoadary sehool system, or as a full-time qualified professioaal provider of early iDterveDtiOD services in a public or
oth~r DOnprofi. program UDder public SllpervisioD by tho lead agoDCY as authorized in seetiOD 676(b)(9) of th. ladividuaJs With Disabilities
Education Act; or
(C) As a filII-time taacher of mathematics, scioace, foreigD laaguagos, biliagua1 oducatioD, or ..yother field of expertise that is determiaed
by tho Slate DopartmeDt of EdUcatiOD to bave a shonage of qualified teacbers.
(2) A portiOD of this loan will be caaceled for each completed year of teachiDg service at the followiDg rates:
(A) IS perceDt of the total priacipal amOllDt of the I... pillS iDterost OD th. IIDpaid balaace accruiDg duriag that year for each of the first aDd
_liad complete acad.mic yoars of that teachiD& service;
(8) 20 pereeDl of lb. total priacipal BIOOIIDt of the I... pillS iDlerost OD the IIDpaid bal..ce accruiog duriag tha. year for each of the lbird aDd
fourth complete acad.mic yoars of that teacbiDg service; aDd
(C) 30 poreeat of the total priDcipal amDuDt of the I... pillS iDlerest OD the uDpaid bal..ce accruing duriDg lbat year for the fifth complete
acad.mic year of that teachiDg service.
IX. Hoad Stan CancellalioD
(I) J UoderstaDd that, UpOD mskiag a properly documeolOd writtea request to the WtibltiOD. I am eDtitled to bave up to 100 perceDt of the
amouDt of Ibis loaa pillS the interest therooD caaceled if I perform 'lW'iifyiog service after lbe period for whicb I received the loaa as a fiIlI-time
staff. member iD a Head Start program if-
(A) Tbat Head Start program is operated for a period that is comparable to a full scbool year iD the locality; and
Pag. 2 of 4
Fod.ra! PerkiaslJllly 1993
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(B) My IIlIary i. DOl more tiIaD lbe salary of a comparable employoo of lbe local educatioaal ag-y.
(2) Thi. loan will be clUlceled at lbe rate of IS percelll of lbe total principal amGUol of the loan plu. ioterest 00 the unpaid balauce acctuiog
during that year for each cOlDplete school year or equivalool period of BOrvice in a Head Start program.
(3) Head Start i. a preschool program carried oul uoder the Head Start Acl.
x. MilitarY Cancellatioo
(1) I undontaocl that. upoo making a properly cIocumeoted wrillOO request to lbe InstiNtioo, I am eotided to have up to SO percenl of lbe
priDcipalamGUol of this 10lIll plus lbe interesl lbereoll clUlceled if I BOrve as . membor of lbe Armed Forces of lbe United SlateS illlUl ar... of
bostilities tbat qualifies for special pay ullder sectiOIl 310 of Tide 37 of the United Slates Code.
(2) Thi. loan will he canceled at lbe rate of 12 112 perceol of the total principalamoulIl of the loan plus interesl 011 the ullpaid balauce
accruing duriDg that year for each complete year of IUCh qualifyillg service alter the period for whiclt I received lbe loan.
XI.. Volunteer Service Cane:ellatiOD.
(I) I UIIdontaocl that, upon making a properly documented wrillOo request to the InstiNtioll, I am entided to have up to 70 percelllof lbe
amoUlll of this 10811 plus lbe interest thereoll caoceled if I perform qusJifying service after the period for which I received the 10811-
(A) M a volunteer under the Peace Corp. Act; or
(B) M a volullteer under the Domestic Volunteer Service Acl of 1973 (ACTION program.).
(2) Thio 1_ will he oancelod at the foUowiDg rates:
(A) 15 porcoIlI of the IOIlIl principal8lDOU1lI of the 10811 plus interest OJI the uapaid balance accruing duriDg that year for each of the IIirst IItd
second twelve (12) molllh periods of volUllteer BOrvice completed; IItd
(B) 20 porceIIt of the total principalamGUot of the 10811 plus interest 011 the unpaid balauce accruing duriDg thel year for each of lbe thirdlltd
fourth twelve (12) IDOIIth periods of volunteer service completed. '
XD. Law Enfomement ,or Corrections Officer CancellatioD
(1) I undeillllutd that, upon ataldog a properly clocumented wrillOlt request to lbe InstitutiOIl. I am entided 10 have up 10 100 percelll of the
amoulIl of this 10811 plus lbe interest thereoll caoco1od ifI perform qualifying service alter the period for which I received the 10811-
(A) M a fiIll.time law ellforcelllOlllofficer for service 10 ID eligible local, S_. or Pedorallaw ~ agency; or
(B) M a fiIll-time coneetio... officer for service 10 ID eligible local. State, or Fodora1 correctio... agency.
(2) A portion of this 10lIll will he caoceled for each complotod year of law enforcemenlor comctio... service al the foUowillg rate.:
(A) 15 porcelli of lb. IOtal principalamoullI of the loan plus iIlIerost 011 the Ullpaid balauce accruing during lbat year for eaclt of the fim IItd
second complete yoan of tItal service;
(B) 20 percenl of the IOtal priocipalamounl of the 10811 plus illteresl 011 lbe ullpaid balance accruing during that year for each of lbe lbird IUIlI
fourth completll yoan of tItal service; and
(C) 30 percelll of lbe IOtal principalamoulIl of the 10811 plus interest 00 lbe unpaid balance accruing duriDg that year for lb. fifth complete
year of that service.
xm. Nune,Of ,Medieal Technician Cancellation
(1) I uodontaocl that, upon ataldog a properly d"""",ellted wrillOlt request 10 the InstitutiOJl, I am elllided 10 have up to 100 percelll of the
amoullt of this loan plus th. interest lbereoo cauceled if I perform qualifyiog service alter the period for which I received the 1_ as a full-time
1111I'IO or medical tocItniciID providing health care BOrvices.
(2) A ponian of this 10lIll will be canceled for each completed year of service at the followiDg rates:
(A) 15 pen:elll of the total principalamoullt of the loan plus interest 011 the unpaid balauce accruillg duriDg that year for oaclt of lbe lint and
second complete years of tItalservice;
(B) 20 porcoIlI of the total principalamGUol of the loan plus interest 00 the uopaid balauco accruiog during tbat year for oaclt of the third and
fourth completll years of that service; lIlId
(C) 30 percenl of lbe IOtal principalamoulIl of lbe loan plus illlerest 011 the unpaid balauce accruing during that year for lbe fifth complete
YOfU of that service.
XIV. Child ,or 1='amilv Servi~e A2encv Cancellation
(1) I IUIlIorstaDd that, UpclO making a properly documented wrillOlI request 10 the InstitutiOll, I am entitled 10 have up 10 100 pon:ent of lbe
omOUllt of this 10811 plus interest lbereoo caoceled if I perform qualifying BOrvice alter lbe period for which I received the 10811 IS a full-time
employee of au. eligible pubUc or private nonprofit child or family service agency who is providing, or supervising the provision of, ..rvice. 10
high-risk cltildreo who ore from low.income cOD1lllullities and lbe families of SItch childrell;
(2) A portiOJl of this 10811 will be canceled for oaclt completed year of service at lbe followiDg rate.:
(A) 15 percelll of lbe lotal principal amoulIl of lbe loan plus interest 00 lbe uopaid balance accruillg during that year for each of the first sod
second complete years of thst BOrvice;
(B) 20 percelllof lbe IOtal priDcipalamouot of lbe loan plu. ioterest 00 lbe uopaid balance acCruiDg duriDg lbat year for oaclt of the third IUIlI
fourth complete years of lbat sorvice; and
(C) 30 percelll of the total priocipal amouot of lbe loan plus illterest 011 the uopaid balance ""cruing duriog lbat year for lbe fifth complete
you of that BOrvice.
XV.. Death and Disability CAncellation
(I) In the eVOltt of my death. the tota1 amounlowed 00 this loan will be caoceled.
(2) If I become perlll8llOlIdy and totally disabled after I receive lbi. loan. lbe Institution will cancel the IOtal amouDt of this loan.
XVI. ChanlPe in Name. Address. TeleDhone Number or Social Security Number
I am respoDSible for informing the InstitutiOD of uy change or chaoge.s in name, address, telephone number, or Social Security Dumber.
Page 3 of 4
Federal Perltio.JJuly 1993
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xvu. Late Charge
(I) The WtitulioD will im_ a'laIe charge if-
(A) I do DOt make a scheduled paymeDt wheD it is due; aod
(B) I do DOl .....mit to the WtilUlioD, OD or before tho _ 00 which paymeat i. due, cIocumeatatioa that I qualify for a doformoat,
cancellalioB, or forbearance.. described in Ar1iclea VI, W, VDI, IX, X, XI, XlI, xm, or XlV of this agreement.
(2) No charge may oxcood 20 porcoat of my mODthly, bimoothly, or quarterly paymeat.
(3)(A) The WtituliOD may-
(i) Adclthe lato charge to the priocipal the day after the scheduled repaymOllt was due; or
(ii) Ioclude it with tho oextscheduled repaymOllt after I havo receivocl Dolice of tho IaIe charge.
(B) If tho WtilUlioD elects to add the IaIe charge to the oulSlalldiDg priacipal of the loan, it must so iDfo"" me before the duo _ of the
oext iostaI1meDt.
XVIII. Asshrnment
(I) This IIOle lIIay be assigned by the WtituliOD ooly I<>-
(A) Tho Uoi," StaIeo;
(B) AIlother illOlitutioll Upoll my traIISfer to that iostitutiaD if that iostitutio. is participatiag ill this program; or
(C) Anothor iIIOlilUlioD approved by tho Secrerary.
(2) The provisioDl of this DOto that relato to tho WtilUtioD shall, where appropriato, relale to aD assigDee.
(3) Ally holder of this loan is subjecl to all claims aod defe.... that I could ....rt agaiDSlthe WtitutiOD that made this loao; my ....overy is
limi," to the OIDouDt I repaid 00 this loan.
XIX. Prior Loans
I hereby certify Ibat I have listed below all of the Federal PerkiDS Loaos I have obtaioed at other iostitutiODS. (If DO prior IQ8DS have heeD
received, state -NOele.-)
FEDERAL PERKINS LOANS AT OTHER INSTITUTIONS
AmOUllt Date iDStitutiOIl
I
'J.
3
..
xx. Schedule of Advances
The followiDg OIDOllllts were advlUlCod to me uuder this loan agreameDt 00 the datos iDdicatod:
AIDouat ato igoature 0
- -95 , c
- 6
onawer
.
4
NonCE TO BORJl.OWER: DO NOT SIGN TBJS NOTE BEFORE YOU READ IT.
I UNDERSI'AND AND AGREE TO ALL OF THE FOREGOING TERMS AND CONDmONS.
~-;jJJC?:J5
S.goature .. '1..4'-.
Dat%/~y ,19 .
I(seal))
PermaoeDt Address (Street or Box N~mrr, City, Slate, aod Zip Code)
_O.~Oy--20L /"kruluS,c:rl N'l
5b50
-Of2&
Social Security Number (borrower must provide) 0.5 9 ~ '7
The borrower aad iDStitutio. shall eXecuto this Dote without security aod without e.dorsemeDl.
The lostitutioD shall provide a copy of this DDte to you aad you should retai. the copy for your records.
(Authority: 20 U.S.C.I087dd)
Page 4 of4
Foderal PerltiDSl1uly 1m
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I' ~
-
FEDERAL PERKINS LOAN
PROMISSORY NOTE
/.V\')..., '~'(~,"'\ ~'Y": '11"ILI-oa
0-...tY I ::;l"U0jC,-",,';;-0'\, l
./
Section A: Borrower Section
Roy, Heather L.
2. Social Security Number
o i)ti- '74 - (/r? &
3. Date of Birth
Cf, I S f /7 ?-'
4, Area Coderrelephone Number
(2,15) 1?J - 5.55"2-
5. Driver's License Number (Ust state abbreviation first)
1. Name (last, first, middle initiaO and
Permanent Address (street, city, state, zip code)
Section B: School Section
6. School Name & Address (street, city, state, zip code) 7. Borrower Status 8. Interest Rate
Dickinson Cn 1 1 "'9P' lD Half...... or greater 0 I..ess..... haII-time 5%
P.o. Box: 1773 9. Loan Amount: 10. Loan Period
CarJ.i.sle. PA 17013-2896 $ 2,000.00
1996-97
TERMS AND CONDITIONS:
[Any Incketed clause or paragraph may be included at option or imtitution.]
APPLICABLE LAW. The terms of this note and any disbursements made under this note shall he- lntcrprtted 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. AIl swm 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 abo\'e.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 lit least II half.time student at an Institution of hJgher education 01" a
comparable school outside the United States approved by the United States Secretary of Education {hereinafter ca:lled the Secretary) and ending 10 years later, unless I
request In writing that my repayment period begin sooner. I 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 repaynu:nt period. My repayment ~iod may be shorter than 10 yean 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 defermmt, hardship, or
forbearance and] may make graduated installments in accordance with a schedule approvt:d by the Secretary. I will make my installment payments In equal monthly.
bimonthly or quarterly installments as determined by the school. The school may rtJund my installrnent payment to the next highest multiple of $5. [I will make a
minimum mQnthly repayment of $40 (or $30 if I have outstanding Federal Perkins loans made before October 1, 1992 that included the $30 minimum payment option)
In accordance with the Minimum Monthly Payment Section of the Terms artd Conditions conta~d on the n!:vetSe 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 faU to submit to the school on or before the due date of
the payment, a properly docum~ted wrJtten request that I qualify for any of the forbearance, defennent or cancellation benefits a5 described below. No late charges may
exceed 20% of my monthly, bimonthly or quanerly 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 defermem:, cancellation, or forbearance benefits, r 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 requests on time, and I may lose my benefits if I fuil to me my request on time.
DEFAULT - If I fail to make a schedl.1hid payment when due; if I fall to submit to the school, on or before: the due date of a scheduled payment. docu~ntatlon that I
qualify for a deferment. cancellation, or forbearance: or if I fail to comply with the terms and conditions of this promissory note or written repayment agreement, the
school may, at its option. declare my loan to be In default and may accelerate my Joon (demand lmn1f:dlate payment of the entire unpaid balance of the loan. including
principal. interest. late charges, and collection costs). The school, and the Secretary, ifiny loan is assigned to the Secretary for coJle<:tion. shal1 disclose to credit bUn!:aU
organizations that J have defauJted and aJJ other relevant Joan lnIormatJon. I will lose my right to defer p3~nts 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 bt ineligible for any further federal
student fmanc::ial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secre:ti!l:ry to repay my loan.
CHANGE OF' STATUS ~ J 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 provision:; 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 Promi5s0ry Note, the sum ofamount(s) adv.mccd 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 casU. 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. im:luding 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
,/~~iS:~.
. _Borrower's Signature
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,
Exhibit
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Dale:
Terms and Conditions (cant.)
HARDSHIP REPAYMENT OPTIONS - Upon my written request, if I
quaJify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an additional ten (10) year:s 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 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 Wlemployment 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-!une 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~till1e student. even if I received the loan after I became a Jess
than half-time student. My payments will reswne after a post-defennent 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 prepflyment. 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 prepflyment. 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 - r wiU make a minimum monthly
repayment of $40 (or $30 if 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 F~deral 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 wilt 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 Joan wilt be the
difference between the minimwn 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
onJy. renewable at inteIVals up to 12 months for periods that collectively do
not exceed three YE!ars. 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 authcuues 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 reamns, including service in
AmeriCorps. Interest accrues dwing 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 Secretary; el1gaged in public service that qualifies me to have part or all
of my loan canceled; 2) for a period not to exceed three yean; during which I
am seeking but unable to fmd full-time employment, 3) for a period not to
exceed three years (juring which 1 am experiencing an economic hardship as
detennined 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 any deferment period described in this paragraph.
~1""'''"''''~-~''1, ""'~.. ~,r
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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 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 perfonned
after I rec~ive the loan.
A. Teaching. a full-time teacher in a public or other nonprofit elementary or
seconctary 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 futl-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 Stare 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 fuJI-time nUlSe providing health care
services; or . a full-time medical technician providing health care services,
E. Child or Family Service Agency. a fuJl~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-
income 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 canceJed at the foJlowing rates:
. 15% of the original principal loan amount for each of the flfSt 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.
R Head Start Cancellation - Upon making a properly documented written
request to the school. I am entitled to have up to 100% of th~ 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 prindpalloan amount.
G. MiUtary Cancellation - Upon making a properly documented written
request to the school, I am entitled to have up to 50% of the principal amount
of this loan canceled for qualifying seIVice performed after I 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
Cancel1ation provision. this loan will be canceled at the rate of 12 112% 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 fmt and second
12-month periods of senrice; and. 20% of the original principal loan amount
for each of the third and fourth 12-month periods of service.
1. 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.
""'T_~
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~~
Dickinson college
Perkins Pre-Loan Information Sheet
PLEASE PRINT
Name: Jj~cd-he 'f u~t\.i
Date (J~ - J.tt> - 'iL)
colleee Address:
HUB#~
Telephone Number ~
No.) J oct A-*. wClh?(
Street (inol. Apt.
Permanent Address:
Street (inoL Apt. No.) f.o. ~>C. lo~
City, State and Zip Code .l-\--enctfr~Or;, I f\)i
Telephone NUmber() \ 5") 93R ,- f) :sS 2
Social Security No. ~O~~ - 092fp
Dri~;;r~ Licen;-eNo: -,(j;'d:.'5f1+tC-----
Exp. Graduation Date
\'2,Co SO
Birthdate ~ - 31 - 7 (0
State --1\J--efi")1Lfr
Parent or Guardian:
Name: &On:::>n
I 3LsoCj
Employer'. Address:
Three references: (Individuals who will always know your address)
Name: 'D \ o.ne Shef\'YI
Street (incl. Apt. No.) J3.!:llJ c;t.~}e, 19
city, state and Z1"J_\COd~ ~~~ \e. j _}j~ \~()
Telephone Number 1Q\ ~) __----= __---',
Name: j ,{Sli POY~S
Street (incL Apt. No.) (~rO\fP, <;:'t.
:~::~h:::t:u::r Z~Cl~) ~~~ ~~~1'
Name: G(1r~_~cde~_
Street (incl. Apt. No.) ~~
City, State aild Zip Code _H'f'~E'r<:n()~J\j \'3do
Telephone Number l
,o<I==-~ ~ _I
-
~-
"
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Jo- , ..
FEDERAL PERKINS LOAN
"
PROMISSORY NOTE
ao;nJ --000/ 00 -9-ql'1-oq
(- v,""C:r., 'lr.:I
(/.}i ~:; f-
Sect!<'n A: Borrower Section
1. Name (last, first, middle initiaQ and
Permanent Address (slJ"eet, city, state, zip code)
2. Social Security Number
059-74-0926
3. Date of Birth
Heather L. Roy
P.O. Box 204
Henderson, NY 13650
08/31/76
4. Area CodefTelephone Number
315-938-5352
5. Driver's License Number (List state abbreviation first)
Section B: School Section
6. School Name & Address (street, city. slate, zip code) 1 Borrower Status a. Interest Rate
Dickinson College KI Half-time or greater 0 Less than half-time 5%
~_..
P.O. Box 1773 9. Loan Amount: 10. Loan Period
Carlisle, PA 17013-2896
$1,500.00 1997-98
6235400
TERMS AND CONDIT/ONS:
[Any brnr::keted clause or parngmph may be included at option of institution.)
APPLICABLE LAW - The terms of this note and any disbursements made under this note shall be nnterpreted in accordance with Part E arTitle IV afthe 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 obllgated to repay the prIncipal and the interest that accrues on it to the above-named institution (hereinafter called the school) OV1:r a period
beginning 9 months (or soone1" if I am a less than a half-time borroWf!r) 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 I
request in writing that my repayment period begin sooner. I understand that the school wi!! report the amount of my installment payments. along with the amount of this
loan to a n2ltional credit bureau. Interest on this loan shall accrue from the beginning of the repayment period. My repayment period may be shorter than 10 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 instaUments as determined by the school. The school may round my installment payment to the next highest multIple of $5. [I will make a
minimum monthly repayment of S40 (or $30 if I have outstanding Federal Perkins loans made before October I, 1992 that includedlne $30 minimum payment option)
in accordance with the Minimum Monthly Payment Section oCtbe:'terms a;nd Condltions contained on the reverse siC!e 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 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 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, r 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 requests on tlme. and I may lose my benefits if I fuit to file my request on time.
DEFAULT. If I fail to make a scheduled payment when due; if 1 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 {ail to comply with the terms and conditions of this promissory note or written repayment agreement. the
school may, at its option, dedare 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, lfmy loan is assigned to the Secretary for collection. shall disclose to credit bureau
organizations that I have defaulted and aIL other relevant loan information. I willlos!;!: my right to defer payments and my right to fOrbearance jf 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 fmancial 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 tn 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: 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 Nate. I promise to pay all reasonable collection casts, including attorney fees and other charges,
necessary for the collection of any amount not paid when due. I will not sign thjs Note before reading jt, including Ihe provisions on the reverse side. This Joon has been
made to me. without security or endorsement. My signature certifies I have read, understand, and agree to the terms and conditions: oCthis Promissory, Note, THIS IS A
LOAN(S) THAT MUST BE REPAID
#c~ d.~
/BorroJlVer's SignatLlre
&flJ?,(t? y
Exhibit liD"
.
,
Terms and Conditions (cant.)
'"'
HARDSHIP REPAYMENT OPTIONS - Upon my written request. if I
qualify as a Jow-income individual during the repayment period. the school
may extend the repayment period for up to an additional ten (10) yem and
may 3CUUSt any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if. in Us opinion.
prolonged illness or unemployment prevent me from making the scheduled
repayments during which time interest will continue to accrue. The schoal
may pennit me to pay less than the minimum monthly repayment rate for a
period of not more than one year at a time if I elL':perience 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- TlITIe 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-Ha1f-Time BOITowerwith no
outstanding Federal Perkins Loans, my repayment begins the earlier of: 9
months from the date my Joan was made. or 9 months from the date I became
less than a half.time student, even if I received the Joan after r became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows defennents that apply to Federal Perkins
loans.
PREPAYMENT - I may prepay all Dr any part of my unpaid loan balance,
plus any aCCNed 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 I repay amounts dwing 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 wiD make a minimum monthly
repayment of $40 (or $30 if I have outstanding Federal Perkins loans made
before October 1. 1992 that included the $30 minimwn payment option) if
required by the school. It the total monthly repayment rate on this loan and
liUly outstanding Federal Perkins loans I may have is less than the minimum
monthly repayment rate established by the school, the school may still require
11 minimum monthly repayment rate. A minimum monthly repayment
l1mount will combine my obligation on this and all my outstanding Federal
Perkins loans, including those made at other schools. The portion of the
minimum monthJy payment that wilJ be applied to this Joan 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
emly. 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
A.meriCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented wriUen request to
Ule school. I may defer making scheduled installment payments and will not
be liable for any interest that might orberwise accrue 1) during any period that
I am: enrolled and attending as a regular student in at least a half-time course
Qf study at an eligible school; enrolled and attending as a regular student a
graduate fellowship program approved by rbe 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 fmd 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 nOl eligible for a deferment while serving in a
ll'1edicaJ internship or residency program. I may continue to defer making
st::heduJed installment payments and will not be liable for any interest that
ll'1ight otherwise accrue fo~ a six-month period immediately following the
~ . n d f nn nt eriod described in this ara a h.
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 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-Ume 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 Dr 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 nlne providing health care
services; or. 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.
income cummunities 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 Joan amOWlt for each of the rust 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.
F. Head Start Cancellation ~ Upon making a properly documented written
request to the school, I 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 Joan will be canceled at the rate of 15% of the
original prindpalloan amount.
G. Military Cancellation - Upon making a properly documented-written
request 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
hostilities that qualifies for special pay under section 310 of Title 37 of the
United StaleS Code,
Cancellation Rate - For each completed year of service under the Mmtary
Cancellation prOvision, this loan will be canceled at the rate of 12 t/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 [0 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 frrst and second
12-month periods of service; and. 20% of the original principal loan amount
for each of the third and fourth 12-month periods of service.
1. Death and Disability Cancellation - In the event of my death, the schooi
will cancel the lotal 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 I an.
J, ,~"..... ~ ..~ ~ _~
.
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PERKINS (NDSL) TRUTH-IN-LENDING STATEMENT
,
DICKINSON COLLEGE
Account Number 00273-000..00-2914-09
Name of Borrower ~~~ThAr I ~ny
Address
24'], VV. Nor-~ Sf-
(l A..r {{<;/-e-- I pc-.. (7 0 I ~
J
ANNUAL PERCENTAGE
RATE
AMOUNT FINANCED
The cost of your
credit as a yearly
rate.
The amount of
credit provided
to you.
Prior to
repayment
During
repayment
o
%
5 %
$1 J;nn no
.
Itemization of the Amount Financed: $ 1 ~nn nn
.
Amount given directly to you.
Late Charge:
If a payment is late, you may be charged: $1.00 for the first
late payment, and $2.00 for each subsequent late payment if
this loan is payable monthly, $3.00 for each late pa~ent if
this loan is payable bimonthly, $6.00 for each late payment
if this loan is pay~le quarterly.
If'l'
.q
If you payoff early, you will ~ have to pay a penalty.
Prepayment:
See your promissory note for any additional information about nonpayment, de-
fault, any required repayment in full before the, scheduled date, and pre-
payment.
TIlE BORROWER ACK.'{OWLEDGES
STUDENT j I rJ/ Q
BORROWERWt' "1 ~ -
DATE OF) /1 2, / C; >('
I I
RECEIPT OF AN EXACT COPY OF. THIS STATEMENT.
~INSTITlITIONAL ~
REPRESENTATIVE ", . J'....L..,
DATE S-/t3/18
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7619C.18
DlCKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL V ANlA
v.
NO. 2001-172
CNILACTION-LAW
HEATHER LEIGH ROY,
Defendant
JURY TRIAL OF TWELVE DEMANDED
PRAECIPE
Please reinstate the attached Complaintto be served upon Heather Leigh Roy, P.O. Box 204,
Henderson, New York 13650 and return to below signed for service.
MARTS ON DEARDO
2
LIAMS & OTTO
By
David R. Galloway,
I. D. Number 87326
Ten East High Street
Carlisle, P A 17013
(717) 243-3341
Date: February 21, 2003
Attorneys for Plaintiff
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7619C.18
DICKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 2001-172
CIVIL ACTION-LAW
HEATHER LEIGH ROY,
Defendant
JURY TRIAL OF TWELVE DEMANDED
PRAECIPE
Please reinstate the attached Complaint to be served upon Heather Leigh Roy,913 Whitehall
Drive, Doylestown, P A 1890 I, and forward to the Sheriff s Office for service.
B
David R. Galloway, S
I. D. Number 87326
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
'\
Attorneys for Plaintiff
Date: June 3, 2003
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SHERIFF'S RETURN - OUT OF COUNTY
"
CASE NO: 2001-00172 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DICKINSON COLLEGE
VS
ROY HEATHER LEIGH
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
ROY HEATHER LEIGH
but was unable to locate Her
in his bailiwick. He therefore
deputized the sheriff of BUCKS
serve the within COMPLAINT & NOTICE
County, Pennsylvania, to
On July
7th , 2003 , this office was in receipt of the
attached return from BUCKS
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep Bucks County
18.00
9.00
10.00
48.00
.00
85.00
07/07/2003
MDW&O
s~
R. Thomas ~n
Sheriff of Cumberland County
Sworn and subscribed to before me
this
IV
/o~
day of Y-l7
A.D.
D~ .
prothon6t~
;)//113
Cfr.
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II
In The Court of Common Pleas of Cumberland County, Pennsylvania
Dickinson College
VS.
Heather Leigh Roy
SERVE: same
. No.
01-172 civil
Now,
June 4, 2003
. , I, SHERIFF OF CUMBERLAND COUNTY, P A, do
hereby deputize the Sheriff ot: Bucks
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
~~~~~
Sheriff of Cumberland County, P A
Affidavit of Service
Now,
,20_, at
o'clock
M. served the
within
upon
at
by handing to
a
copy of the original
and made known to
the contents thereof.
So answers,
Sheriff of
County, PA
Sworn and subscribed before
me this ~ day of , 20_
COSTS
SERVICE
MILEAGE
AFFIDAVIT
$
$
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S~2:;!~'~S i;:=r=rc;: - L41>,1t::~N,C-:: ~. MICHAt,tS. SH:;RI;:r.:
i-I)IUNIS,::,'ITION RUILDItlJG
GOYl~STJ\jN, PA 13901
.s~:;2~:
OiT:: ~6/27/2003
I
5IJCJ<S MISe DOCKET 11 LOQ3 31416
LOCATION: OUT OF COUNTY
CLASS: ASSUMPSIT
~* SHERIFF'S RETURN OF SERVICE *****
SliERIffaS OffICE
CUMBERLAND COUNTY
1 COURTHOUSE SQUARE
CARLISLE PA 11013
ATTN:OAVID R GALLOWAY,ESQ
PLAINTIFF
DICKINSON
COllEGE
YS.
DEFENDANT
ROY HEATHER LEIGH
913 WHITEHALL DRIVE
OOYlESTOWN,PA 18901
06042003 COMPLAINT - IL Ae ION RECEIVED FROM CUMBERLAND CO SHERIffS DEPT RAG
06092003 RECEIVED IN ERIFF S OffICE fOR SERYICE. TRANSACTION '03-1-01213 RAG
AMOUNT PAID 48.00
06252003 SHERIfF'S R TURN, UNDER OATH, FILED. DEPUTY SCISS AT 619AM . RAG
SERYED DEff OAN1(S) PURSUANT TO PA.R.C.P. '402(A)(I) .
SERYEO DEfT HEATHER LEIGH ROY BY HANDING TO DEfT PERSONALLY. RAG
06272003 INVOICE MAILED TO CUMBERlANO CO SHERIFFS OEPT ATTN: DAYID R GALLOWAY RAG
,ESQ TRANSACTION '03-1-01213
END Of CASE
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BUCKSL~loUNM~fl
SHERIFF'S RETURN
Filed~itP-'l ~bI<{Be.ft.LA~~
Bucks Case # ()"~...31 Lf / 6F!ec'd ~ -
Special Instructions
Action CIVIL ACTION - COMPl A INT
Plaintiff DICKINSON cm J Fr.F
~elendanf-:i~~~tlrH::~~' ~i?
TYwlli'~WWN, 11.\ 19991
Address Served if Different
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F:\FILES\DA T AFILE\Dickinson College 76 I 9\DickinsonCoIJegeColIections7619C\Documents\I 8. pra3/cny
Created: 7/28f033:18PM
Revised: 7/30f032:41PM
7619C.18
DICKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 2001-172
CIVIL ACTION-LAW
HEATHER LEIGH ROY,
Defendant
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 $8,686.22 plus interest from November 10, 2000, in the amount of
$1,081.28 for a total of$9,767.50 plus interest at $1.09 per day hereafter, attorneys' fees and costs
of suit 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 July 15, 2003, which date
was subsequent to the date default occurred and at least ten (10) days prior to the date of the
Praecipe.
MARTSON DEARDO
David R. Galloway, sqm
1. D. Number 87326
Ten East High Street
Carlisle, P A 17013
(717) 243-3341
Attorneys for Plaintiff
Dated: July 30, 2003
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III
'~'1IIII!II1~1~'_A_
DICKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VAN/A
v.
NO. 2001-172
CIVIL ACTION-LAW
HEATHER LEIGH ROY,
Defendant
JURY TRIAL OF TWELVE DEMANDED
TO: HEATHER LEIGH ROY, Defendant
NOTICE OF ENTRY OF DEFAULT JUDGMENT
You are hereby notified that on July 30, 2003, the following Judgment was entered against
you in the above-captioned case: in the amount of$8,686.22 plus interest from November 10,2000,
in the amount of$1 ,081.28 for a total of$9,767.50 plus interest at $1.09 per day hereafter, attorneys'
fees and costs of suit for Defendant's failure to file an answer to the Complaint.
lJL '3 1. :.lOO~
Date: r;T'
/3/Mj(~1r,
Prothonotary
I hereby certify that the name and address of the proper person to receive this notice under
Pa. R. Civ. P. 236 is:
Ms. Heather 1. Roy
913 Whitehall Drive
Doylestown, PA 18901
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F:\FILE$\DATAFILE\Oickinson College 7619\DickinsonCollegeCol1ections7619CIDocuments\18,defnotlIcl1Y
Created' 7/14/0311:3'JAM ' .
Revised: 7/1410311:4(JAM
7619C.18
DICKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 2001-172
CNIL ACTION-LAW
HEATHER LEIGH ROY,
Defendant
JURY TRIAL OF TWELVE DEMANDED
TO: HEATHER LEIGH ROY, 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
Dated: '7 /;5/()~
MARTSONDE~O~
By ~
David R. alloway, EsqUIre
1. D. Number 87326
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Attorneys for Plaintiff
~ "I
,I
U,S. POSTAL SERVICE CERTIFICATE OF MAILING
MAY BE USED FOB DOMESTIC AND INTERNATIONAL MAIL, DOES NOT
PROVIDE FOR INSURANCE - POSTMASTER
R1):d 12 ~ . .
Vf~ &d <Ib~~7
o. 0
17 /3
One piece of ordinary mail addressed to:
4i;uj~fll/ )!'. p~
91,3 ~aa uW..u
JJ()tih~ , PA- / no /
(J ,
? /ge .I?
PS Form 3817, Mar. 1989
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CERTIFICATE OF SERVICE
I, Christina N. Yost, an authorized agent of Martson Deardorff Williams & Otto, hereby
certify that a copy of the foregoing document was served this date by depositing same in the Post
Office at Carlisle, P A, first class mail, postage prepaid, addressed as follows:
Ms. Heather Leigh Roy
913 Whitehall Drive
Doylestown, PA 18901
MARTSON DEARDORFF WILLIAMS & OTTO
By tLt,.(~~ )(fk
Christina N. Yost
Ten East High Street
Carlisle, P A 17013
(717) 243-3341
Dated: July 30, 2003
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