HomeMy WebLinkAbout03-3284F.\ ILESMATAFILE\M kmo .. College 9619\ i&m..nColl<geCallu?ionr9619QD000ments\IBS.yom
C.Uad. 4/28/03 1:54 03 PM
Revised. 7/10/03 11.49-.21 AM
DICKINSON COLLEGE, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 03- 3.) CIVIL ACTION-LAW
MARCIA McKNIFF
Defendant JURY TRIAL OF TWELVE DEMANDED
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by attorney and filing in writing with the court
your defenses or objections to the claims set forth against you. You are warned that if you fail to
do so, the case may proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the Complaint or for any other claim or relief
requested by the Plaintiffs. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Association
32 South Bedford Street
Carlisle, Pennsylvania 17013
Telephone (717) 249-3166
MARTSON
David R. Galloway
I.D. Number 87326
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Attorneys for Plaintiff
WILLIAMS & OTTO
Date: 7//D/OS
DICKINSON COLLEGE, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 03- 3.-)- 8 y Coi( Tc.._
CIVIL ACTION-LAW
MARCIA McKNIFF
Defendant JURY TRIAL OF TWELVE DEMANDED
COMPLAINT
AND NOW, comes Plaintiff Dickinson College by and through its attorneys, MARTSON
DEARDORFF WILLIAMS & OTTO, and hereby avers as follows:
Plaintiff Dickinson College is a Pennsylvania educational institution and nonprofit
corporation with its principle place of business at West Street, Post Office Box 1773, Carlisle,
Cumberland County, Pennsylvania 17013.
2. Defendant Marcia McKniff is an adult individual with a last known address of 6020
Bernhard Avenue, Richmond, CA 94805.
3. On or about August 26, 1996, Defendant entered into a Promissory Note - Federal
Perkins Loan Program (Note 41) with Plaintiff. A copy of Note #1 is attached hereto as Exhibit "A."
4. Note #1 provided for the financing of $2,000.00 plus interest and costs by Defendant
on her own behalf, for educational services and benefits at Plaintiff's institution.
On or about September 5, 1997, Defendant entered into an additional Promissory
Note - Federal Perkins Loan Program (Note #2) with Plaintiff. A copy of Note #2 is attached hereto
as Exhibit "B."
6. Note 42 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.
7. On or about September 11, 1998, Defendant entered into an additional Promissory
Note - Federal Perkins Loan Program (Note #3) with Plaintiff. A copy of Note #2 is attached hereto
as Exhibit "C."
8. Note #3 provided for the financing of $2,000.00 plus interest and costs by Defendant
on her own behalf, for educational services and benefits at Plaintiff's institution.
9. On or about October 20,1999, Defendant entered into an additional Promissory Note
- Federal Perkins Loan Program (Note #4) with Plaintiff. A copy of Note #2 is attached hereto as
Exhibit "D."
10. Note 44 provided for the financing of $2,000.00 plus interest and costs by Defendant
on his own behalf, for educational services and benefits at Plaintiff s institution.
11. Note #1, Note #2, Note #3 and Note #4 are funds created under Part E of Title IV
of the Higher Education Act of 1965 as amended, (hereinafter the "Act") and are subject to the Act
and the Federal Regulations issued under the Act.
12. As provided in the Act, Plaintiff acts in a fiduciary capacity in the handling,
disbursing and collecting of funds associated with the programs under the Act.
13. The total principal for Note #1, Note 42, Note #3 and Note 44 is $8,000.00.
14. Note #1, Note #2, Note #3 and Note 44 grant Plaintiff reasonable collection and
attorney's fees which Plaintiff has calculated to be $1,200.00.
15. As of April 3, 2003, the principal and interest due and payable by Defendant to
Plaintiff was $7,310.70, plus interest accruing thereafter at $.96 per day.
16. The outstanding balance of $7,310.70 represents the total and actual overdue value
of the financing provided to Defendant under Note #1, Note #2, Note #3 and Note #4 for which
Defendant has yet to pay.
17. Plaintiff has fulfilled, performed and complied with all obligations and conditions of
Note #1, Note #2, Note #3 and Note #4.
COUNTI
BREACH OF CONTRACT
18. Plaintiff hereby incorporates by reference the averments contained in Paragraphs 1
through 13 of this Complaint.
19. Defendant breached the expressed and implied obligations, conditions and terms of
agreement ofNote #1, Note #2, Note #3 and Note #4 by failing to pay the amounts financed therein.
WHEREFORE, Plaintiff demands judgment against Defendant in the amount of $7,310.70,
plus interest accruing at $.96 per day, collection and attorneys' fees in the amount of $1,200.00 and
costs of suit.
COUNT II
IN OUANTUMMERUIT
20. Plaintiff hereby incorporates by reference the averments contained in Paragraphs 1
through 19 of this Complaint.
21. Having requested Plaintiff to loan money, and doing so to the benefit of Defendant,
Defendant became liable to Plaintiff for said money.
22. Defendant has been unjustly enriched by accepting said money without paying
Plaintiff reasonable compensation therefor.
23. As of April 3, 2003, Defendant is liable to Plaintiff and/or has been unjustly enriched
in the amount of $7,310.70, plus interest accruing thereafter at $.96 per day.
WHEREFORE, Plaintiff demands judgment against Defendant in the amount of $7,310.70,
plus interest accruing at $.96 per day, collection and attorneys' fees in the amount of $1,200.00 and
costs of suit.
D7ON
David R. Gall
Date: *16 -.)
I.D. Number 87326
Ten East High Street
Carlisle, PA 17013-3093
(717) 243-3341
Attorneys for Plaintiff
WILLIAMS & OTTO
Exhibit A
FEDERAL PERKINS LOAN
PROMISSORY NOTE Ji - _ -
1. Name (last, first, middle initiaq and 2. Social Security Number p
Permanent Address (street, city, state, zip code) ?(p 0 - 8 ? - Z 5 O l
McKniff, Marcia 3. Date of Birth
- Z - $
TIC_'ArY?bYIG(l CA. /? "ITO 05 4. Area Code/felephone Number
e-?\IC_?Aryoykt?)(l CA. q4,305 4. Area Code/Telephone Number
C5(0) 2r3Ll- 5 l`l l
5. Driver's License Number (List state abbreviation first)
N0?1e
6. School Name & Address (street, city, state, zip code)
Dick1nsm College
P.O. Box 1773
Carlisle, PA 17013-2896
7. Borrower Status 18. Interest Rate
U Haff-fim a greahsr ? Less than hisfAime I 5%
9. Loan Amount:
$2000.00
TERMS AND COND/T/ONS:
W. Loari Period
1996-97
]Any bickered clause or parapaph may be uxiuded a option of institution]
APPLICABLE LAW - The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of the Higher
Education Act of 1965, as amended (hereinafter called the Act), as well as Federal regulations Issued under the Act. All sums advanced under this note are subject to the
Act and Federal regulations issued under the Act.
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter ailed the school) over a period
beginning 9 months (or sooner if 1 am a less than a half-time borrower) after the date I cease to be at least a half-time student at an Institution of higher education or a
comparable school outside the United Sates 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 will report the amount of my instalment payments, along with the amount of this
loan to a rational 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 Installments as determined by the school. The school may round my instalment payment to the next highest multiple of $5. ]I will make a
minimum monthly repayment of $40 (or $30 if I have outstanding Federal Perkins loam made before October 1. 1992 that included the $30 minimum payment option)
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document.]
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if I fail to submit to the school on or before the due date of
the payment, a properly documented written request that 1 qualify for any of the forbearance. deferment or an:ellation benefits as described below. No late charges may
exceed 20% of my monthly, bimonthly or quarterly payment. The school may add the ate 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 instalment is due.
REQUESTS FOR DEFERMENT, CANCELLATION OR FORBEARANCE -To met" deferment, cancellation, or forbearance benefits. I most 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 fall to file my request on time.
DEFAULT - If 1 fail to make a scheduled payment when due; If I fail to submit to the school. an or before the due date of a scheduled payment. documentation that I
qualify for a deferment, cancellation, or forbearance; or if I fad 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 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, lf my loan is assigned to the Secretary for collection, shall disclose to credit bureau
organizations that I have defaulted and all other relevant loan information. I will lose my right to defer payments and my right to forbearance if I default on my loan. I
will lox my right to receive cancellation benefits for service that is performed after the due the school accelerated the loan. 1 will be Ineligible for any further federal
student financial assistance authorized under the Act until 1 make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANCE OF STATUS - I will inform the school of any change in my name, address, telephone number, Social Security number, or drivels 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 Note. I promise to pay all reasonable collection costs. including attorney fees and other charges,
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it. Including the provisions on the reverse side. This loan has been
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
Borr em's Signature' V EXHIBIT "A" Date:
Terms and Conditions (conc.)
HARDSHIP REPAYMENT OPTIONS - Upon my written request, if I
qualify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if, in 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 mimmurn monthly repayment rate for a
period of not more than one year at a time if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years.
GRACE PERIODS - My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Half-Time Borrower with outstanding Federal
Perkins Loans, my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of: 9
months from the date my loan was made, or 9 months from the date I became
less than a half-time student, even if I received the loan after I became a less
than half--time student. My payments will resume after a post-deferent grace
period of 6 months that follows deferments that apply to Federal Perkins
loan.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance.
plus any accrued interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If I repay amounts during the academic year in
which the loan was made and the initial grace period ended, only those
amounts in excess of the amount due for any repayment period shall be
considered a prepayment. If, in an academic year other than the award year in
which the loan was made, I repay more than the amount due form install-
ment, the excess will be used to repay principal unless I designate it as an
advance payment of the next regular installment.
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of $40 (m $30 if I have outstanding Federal Perkins loans made
before October 1, 1992 that included the $30 minim= payment option) if
required by the school. If the total monthly repayment rate on this loan and
any outstanding Federal Perkins loam I may have is less than the minimum
monthly repayment rate established by the school, the school may stiff require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins karts, including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option, the minimum monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school, I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 12 months for periods that collectively do
not exceed three years, under the following condition: 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 m other national emergency; or if the school determines that I
qualify due to poor health or for other reason. including service in
AmeriCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school, I may defer making scheduled installment payments and will not
be liable for any interest that might otherwise accrue 1) during any period that
I am: enrolled and attending as a regular student in at least a half-time course
of study at an eligible school; enrolled and attending as a regular student a
graduate fellowship program approved by the Secretary; engaged in graduate
or post-graduate fellowship-supported study outside the US; enrolled and
attending a rehabilitation training program for disabled individuals approved
by the Secretary; engaged in public service that qualifies me to have part or all
of my loan canceled: 2) for a period not to exceed three years during which I
am seeking but unable to find full-time employment, 3) for a period not to
exceed three years during which I am experiencing an economic hardship as
deternined by the school. I am not eligible for a deferent 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 deferent period described in this paragraph.
CANCELLATIONS - Upon making a properly documented written request
to the school, I am entitled to have up to 100% of the original principal loan
amount of this loan canceled if I perform qualifying service in the areas listed
in paragraphs A. B, C. D and E below. Qualifying Service most be performed
after I receive the loan.
A. Teaching • a fall-time teacher in a public or other nonpmfit 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 nonpmfit elementary or
secondary school system. • a full-time teacher, in a public or other nonprofit
elementary or secondary school system, who teaches mathematics, science,
foreign languages, bilingual education, or any other field of expertise that is
determined by the State Department of Education to have a shortage of
qualified teachers in that State.
B. Early Intervention Services • a full-time qualified professional provider of
early intervention services in a public or other nonprofit program under public
supervision by a lead agency as authorized by section 672(2) of the Individuals
with Disabilities Education Act. Early Intervention Services are provided to
infants and toddlers with disabilities.
C. law Enforcement or Corrections Officer • a full-time law enforcement
officer for an eligible local. State, or Federal law enforcement agency; or • a
full-time corrections officer for an eligible local. State, or Federal corrections
agency.
D. Nora or Medical Technician • a full-time nurse providing health care
services; or • a full-time medial 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 m
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 canceled at the following rates:
• 15% of the original principal loan amount for each of the first and second
years; • 20% of the original principal loan amount for each of the third year
and fourth years; and • 30% of the original principal loan amount for the fifth
year.
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 loan will be canceled at the rate of 15% of the
original principal loan amount.
G. Military Cancellation - Upon making a properly documented written
request to the school, I am entitled to have up to 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 gmhfla for special pay under section 310 of Title 37 of the
United States Code.
Cancellation Rate - For each completed year of service under the Military
Cancellation provision, this loan will be canceled at the rate of 12 1/2% of the
original principal loan amount.
H. Volunteer Service Cancellation - Upon making a properly documented
written request to the school. I am entitled to have up to 70% of the original
principal loan amount of this loan canceled for qualifying service performed
after I received the loan as: • a volunteer under the Peace Corps Act; • a
volunteer under the Domestic Volunteer Service Act of 1973 (ACTION
prograrts).
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 rata:
• 15% of the original principal loan amount for each of the first 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 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.
Exhibit B
FEDERAL PERKINS LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
McKniff, Marcia M.
6020 Bernhard Ave.
Richmond, CA 94805
6. School Name & Address (street, city, state, zip
Dickinson ColleW
P.O. Hoc 1773
Carlisle, PA 17013-2896
TERMS AND CONDITIONS:
00273-000-00-3286-0p
2. Social Security Number
q(o0- r? -a59
3. Date of Birth
0
4. Area Code/Telephone Number
5
(5r0) 52 -? - 31
5. Driver's License Number (List state abbreviation first)
NA
7. Borrower Status 18. Interest Rate
V Hare-time m greater ? Lass than hag-time I 5%
9. Loan Amount:
$2,000.00
10. Loari Period
1997-1998
[Any bracketed clause or paragraph maybe included at option of institution.]
APPLICABLE LAW -The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of the Higher
Education Act of 1965, as amended (hereinafter called the Act), as well as Federal regulations issued under the Act. All sums advanced under this note are subject to the
Act and Federal regulations issued under the Act.
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter called the school) over a period
beginning 9 months (or sooner if 1 am a less than a half-time borrower) after the date I cease to be at least a half-time student at an Institution of higher education or a
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending 10 years later, unless I
request in writing that my repayment period begin sooner. 1 understand that the school will report the amount of my installment payments. along with the amount of this
loan to a national credit bureau. Interest on this loan shall accrue from the beginning of the repayment period, My repayment period may be shorter than 10 years if l am
required by my school to make minimum monthly payments. Upon my written request my repayment period may be extended during periods of deferment, hardship, or
forbearance and I may make graduated installments in accordance with a schedule approved by the Secretary. I will make my installment payments in equal monthly,
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple of $5. [1 will 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)
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document]
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if I fail to submit to the school on or before the due date of
the payment, a properly documented written request that 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, 1 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 fail to file my request on time.
DEFAULT - If 1 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 1 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 loan (demand immediate payment of the entire unpaid balance of the loan, including
principal, interest, late charges, and collection costs). The school. and the Secretary, if my loan is assigned to the Secretary for collection, shall disclose to credit bureau
organizations that I have defaulted and all other relevant loan information. I will lose my right to defer payments and my right to forbearance if I default on my loan, I
will lose my right to receive cancellation benefits for service that is performed after the date the school accelerated the loan. I will be ineligible for any further federal
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANGE OF STATUS - I will inform the school of any change in my name, address, telephone number, Social Security number, or driver's license number.
ASSIGNMENT - This note may be assigned by the school only to the United States. The provisions of this note that relate to the school shall where appropriate relate to
the assignee.
PROMISE TO PAY. I promise to pay the school, or a subsequent holder of the Promissory Note, the sum of amount(s) advanced to me under the terms of this Note, plus
interest and other fees which may become due as provided in this Note. I promise to pay all reasonable collection costs. including attorney fees and other charges.
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it. including the provisions an 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
` /l?cc V 4V1 q- S - Y?
v
Borrower's Signature EXHISTT "B" Date:
Terms and Conditions (conc.)
HARDSHIP REPAYMENT OPTIONS - Upon my written request. if l
qualify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if. in 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 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 Les-Than-Half-Time Borrower with outstanding Federal
Perkins Lours, my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Les-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of 9
months from the date my loan was made. or 9 months from the date I became
less than a half-time student, even if I received the loan after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows deferments that apply to Federal Perkins
loans.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance,
plus any accrued interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If 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 prepavment. If, in an academic year other than the award year in
which the loan was made. I repay more than the amount due for an install-
ment. the excess will be used to repay principal unless I designate it as an
advance payment of the next regular installment.
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of $40 (or $30 if I have outstanding Federal Perkins loam made
before October 1, 1992 that included the $30 romarrarn payment option) if
required by the school. If the total monthly repayment rate on this loan and
any outstanding Federal Perkins loans I may have u less than the minimum
monthly repayment rate established by the school, the school may still require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans. including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option. the minimum monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school, I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 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
AmenCorps. Interest accrues daring 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, 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 unahle to find full-time employment. 3) for a period not to
exceed dyer vents during which I am experiencing an economic hardship as
determined br the a hoof I am not eligible for a deferment while serving in a
medi,A iieemship of ovidene: program. I mac,continue to defer making
schedult d -installment payments and will not Ix liable cur any interest that
might otherwise auruc for a six month period iounediateh fullowmg the
expiratlun of ariv (left rinunt period described to Lhis paragraph.
CANCELLATIONS Upon making a properly documented written request
to the schuul. I am entitled to have up to 100°n of the original principal loan
amount of [his loan canceled if I perform qualifying service in the areas listed
in paragraphs .A, B, C. D and E below. Qualifying Service must be performed
after I receive the loan.
A. Teaching • a full-time teacher in a public or other nonprofit elementary or
secondary, school. that has been designated by the Secretary in accordance with
the provisions of section 465(a) (2) of the Act as a school with a high
concentration of students from low-income families. An official Directory of
designated low-income schools is published annually by the Secretary. • a full-
time special education teacher in a public or nonprofit elementary or
secondary school system. • a full-time teacher, in a public or other nonprofit
elementary or secondary school system, who teaches mathematics, science,
foreign languages, bilingual education. or any other field of expertise that is
determined by the State Department of Education to have a shortage of
qualified teachers in that State.
B. Early Intervention Services • a full-time qualified professional provider of
early intervention services in a public or other nonprofit program under public
supervision by a lead agency as authorized by section 672(2) of the Individuals
with Disabilities Education Act. Early Intervention Services are provided to
infants and toddlers with disabilities.
C. Law Enforcement or Corrections Officer • a full-time law enforcement
officer for an eligible local, State, or Federal law enforcement agency; or • a
full-Lime corrections officer for an eligible local, State, or Federal corrections
agency.
D. Nurse or Medical Technician • a full-time nurse providing health care
services: or • 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 am 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 he canceled at the following rates:
• 15% of the original principal loan amount for each of the first and second
years; • 20% of the original principal loan amount for each of the third year
and fourth years; and • 30% of the original principal loan amount for the fifth
year.
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 loan will he canceled at the rate of 15% of the
original principal loan amount.
G. Military Cancellation - Upon making a properly documented written
request to die 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 States Code.
Cancellation Rate - For each completed year of service under the Military
Cancellation provision. this loan will be canceled at the rate of 12 112% 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`%o 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 onginal principal loan amount for each of the first and second
12Month periods of service and • '0 ti of the orlgtnal principal loan amount
for each of the third and fourth 12 innnth periods of u rcke.
1. Death and Disability Cancellation In the event of nac death. the school
will cancel the total amount owed tin this Ivan. If 1 become permanently and
mtalh disahled after I recer, this loan. the count will rancel the total amount
owed on flits loan.
PP:RKCNS (1? DSI.) 'PRUTH-LN-LENDING STATEMENT
DICKINSON COLLEGE
Account Number 00273-000-00-3286-09
Name of Borrower Mrl(niff Marria M
Address 6020 Bernhard Ave.
Richmond, CA 94805
ALNNUAL PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
Prior to During
repayment repayment
AMOUNT FINANCED
The amount of
credit provided
to you.
0 Y. 5 % $ 2 nnn nn
Itemization of the Amount Financed: $ 2,nnn_on 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, $6.00 for each late payment
if this loan is payable quarterly.
Prepayment: If you pay off early, you will not have to pay a penalty.
See your promissory note for any additional information about nonpayment, de-
fault, any required repayment in full before the scheduled date, and pre-
payment.
TEE BORROWER ACKNOWLEDGES RECEIPT OF AN EXACT COPY OF THIS STATEMENT.
STUDENT INSTITUTIONAL
BORROWE2?j A/7 ( /,,(A_ e, - REPRESENTATIVE
DATE / "5 f ? ?_ 1( DATE
Exhibit C
FEDERAL PERKINS LOAN
PROMISSORY NOTE
e -Vncc. Lcd 5l ?/2$
00273-000-00-3286-09
I'h-t,?1 J s ''?,'i4?
-e?Y 0? _ l& k C i I 1/ 7-4
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
McKniff, Marcia
6020 Bernhard Ave.
Richmond, CA 94805
6. School Name & Address (street, city, state, zip code)
Dickinson College
P.O. Baas 1773
Carlisle, PA 17013-2896
2. Social Security Number
460-87-2581
3. Date of Birth
a- a_:? -?+ ?
4. Area Codefrelephone Number
(510) 234-5141
5. Driver's License Number (List state abbreviation first)
? 0",
7 Borrower Status
8. Interest Rate
L Half-time or greater ? Less than hall-lime I 5%
9. Loan Amount: 10. Loan Period
$2.000.00 1998-1999
TERMS AND CONDITIONS:
IAny bracketed clause or paagnaph may be included at option of institution, I
APPLICABLE LAW -The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of the Higher
Education Act of 1965. as amended (hereinafter called the Act), as well as Federal regulations issued under the Act. All sums advanced under this note are subject to the
Act and Federal regulations issued under the Act.
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter called the school) over a period
beginning 9 months (or sooner if 1 am a less than a half-time borrower) after the date 1 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. 1 understand that the school will report the amount of my installment payments, along with the amount of this
loan to a national credit bureau. Interest on this loan shall accrue from the beginning of the repayment period. My repayment period may be shorter than 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 1 may make graduated installments in accordance with a schedule approved by the Secretary. 1 will make my installment payments in equal monthly,
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple of $5. 11 will 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)
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document.]
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if I fail to submit to the school on or before the due date of
the payment. a properly documented written request that 1 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, 1 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. 1 am responsible for submitting the
appropriate requests on time, and I may lose my benefits if I fail to file my request on time.
DEFAULT - If 1 fail to make a scheduled payment when due: if I fail to submit to the school. on or before the due date of a scheduled payment. documentation that I
qualify for a deferment cancellation. or forbearance: or if 1 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 loan (demand immediate payment of the entire unpaid balance of the loan, including
principal, interest, late charges, and collection costs). The school, and the Secretary. if my loan is assigned to the Secretary for collection. shall disclose to credit bureau
organizations that I have defaulted and all other relevant loan information. I will lose my right to defer payments and my right to forbearance if I default on my loan. I
will lose my right to receive cancellation benefits for service that is. performed after the date the school accelerated the loan. I will be ineligible for any further federal
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANGE OF STATUS - I will inform the school of any change in my name, address. telephone number, Social Security number, or driver's license number.
ASSIGNMENT - This note may be assigned by the school only to the United States. The provisions of this note that relate to the school shall where appropriate relate to
the assignee.
PROMISE TO PAY'. 1 promise to pay the school, or a subsequent holder of the Promissory Note, the sum of amount(s) advanced to me under the terms of this Note. plus
interest and other fees which may become due as provided in this Note. I promise to pay all reasonable collection costs, including attorney fees and other charges.
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it, including the provisions on the reverse side. This loan has been
made to me without security or endorsement. My signature certifies I have read, understand, and agree to the terms and conditions of this Promissory Note. THIS IS A
LOAN(S) THAT MUST BE REPAID
BO OW errs Signature EXHIBIT "C" Date.
Terms and Conditions (conc.)
HARDSHIP REPAYMENT OPTIONS - Upon my written request. if I
qualify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if. in 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 mom than one year at a time if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years.
GRACE PERIODS - My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Half-Time Borrower with outstanding Federal
Perkins Loans, my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of. 9
months from the date my loan was made. or 9 months from the date I became
less than a half-time student. even if I received the loan after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that fo0ows deferments that apply to Federal Perkins
loam.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance.
plus any accrued interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If 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 pepaymen(. If. in m academic year other than the award year in
which the loan was made. I repay more than the amount due for an install-
ment. the excess will be used to repay principal unless I designate it as an
advance payment of the next regular installment.
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of S40 (or 530 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 Federal Perkins loans I may have is less than the minimum
monthly repayment rate established by the school, the school may still require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans. including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option, the minimum monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school. I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 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
AmerlCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school. I may defer making scheduled installment payments and will not
be liable for any interest that might otherwise accrue I) 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: engaged in public service that qualifies me to have part or all
of my loan canceled: 2) for a period not to exceed three years during which I
am seeking but unable to find full-time employment. 3) for a period not to
exceed three year, during which I am experiencing an economic hardship as
determined he the school. I am not eligible for a deferment while serving in a
medical internship jr 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 anv defennenr period described in this paragraph-
CANCELLATIONS - Upon making a properly documented written request
to the school. I am entitled to have up to 100% of the original principal loan
amount of this loan canceled if I perform qualifying service in the areas listed
in paragraphs A. B, C. D and E below. Qualifying Service must be performed
after I receive the loan.
A. Teaching • a full-time teacher in a public or other nonprofit elementary or
secondary school, that has been designated by the Secretary in accordance with
the provisions of section 465(a)(2) of the Act as a school with a high
concentration of students from low-income families. An official Directory of
designated low-income schools is published annually by the Secretary. • a full-
time special education teacher in a public or nonprofit elementary or
secondary school system. • a full-time teacher, in a public or other nonprofit
elementary or secondary school system, who teaches mathematics, science,
foreign languages, bilingual education. or any other field of expertise that is
determined by the State Department of Education to have a shortage of
qualified teachers in that State.
B. Early Intervention Services • a full-time qualified professional provider of
early intervention services in a public or other nonprofit program under public
supervision by a lead agency as authorized by section 672(2) of the Individuals
with Disabilities Education Act. Early Intervention Services are provided to
infants and toddlers with disabilities.
C. Law Enforcement or Corrections Officer • a full-time law enforcement
officer for an eligible local. State. or Federal law enforcement agency: or • a
full-time corrections officer for an eligible local. State, or Federal corrections
agency
D. Nurse or Medical Technician • a full-time nurse providing health care
services: or • 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 communities and the families of such children.
Cancellation Rates - For each completed year of service under paragraphs A.
B. C. D and E a portion of this loan will be canceled at the following rates:
• 15% of the original principal loan amount for each of the first and second
years; • 20% of the original principal loan amount for each of the third year
and fourth years ; and • 30% of the original principal loan amount for the fifth
year.
E Head Start Cancellation - Upon making a properly documented written
request to the school, 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-
donalagency.
Cancellation Rate - For each completed year of service under the Head Start
Cancellation provision, this loan will be canceled at the rate of 15% of the
original principal loan amount.
G. Military Cancellation - Upon making a properly documented written
request to the school. I am entitled to have up to 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 States Code.
Cancellation Rate - For each completed year of service under the Military
Cancellation provision, this loan will be canceled at the rate of 12 1/2% of the
original principal loan amount.
H. Volunteer Service Cancellation - Upon making a properly documented
written request to the school, I am entitled to have up to 70% of the original
principal loan amount of this loan canceled for qualifying service performed
after I received the loan as • a volunteer under the Peace Corps Act: • a
volunteer under the Domestic Volunteer Service Act of 1973 (ACTION
programs) -
Cancellation Rate - For each completed year of service under the Volunteer
Service Cancellation provision, a portion of this loan will be canceled at the
following rates.
• 15% of the original principal loan amount for each of the first 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.
I. Death and Disability Cancellation - In the event of my death. the school
will cancel the total amount owed on this loan. If I become permanently and
totally disabled after I receive this loan. the school will cancel the total amount
owed on this loan.
PERKINS (NDSL) TRUTH-IN-I,ENDLNG STATEMENT
DICKINSON COLLEGE
Account Number 00273-000-00-3286-09
Name of Borrower Marcia McKniff
Address 6020 Bernhard Ave.
Richmond, CA 94805
ANNUAL PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
Prior to During
repayment repayment
AMOUNT FINANCED
The amount of
credit provided
to you.
0 Y. 5 7. $ 2,000.00
Itemization of the Amount Financed: $ 2.000.00 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 pay off 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.
TEE BORROWER ACKNOWLEDGES RECEIPT OF AN EXACT COPY OF THIS STATEMENT.
STUDENT NSTITUTIONAL
BORROWER
/I Q WCEPRESENTATIVE( ?•-"/i
11 I
DATE ?( vkl- , I l DATE J.P ! N / 17 `? J
Exhibit
FEDERAL PERKINS LOAN
00273-000-00-3286-09
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
Marcia McKniff
(cc 2U 6.e rcl UQ.
1 ichwlonc( cit. ?I4?OS
2. Social Security Number
3. Date of Birth
4. a. Coderrelephone Number
C ?I0)234-510
Driver's License Number (List state abbreviation first)
6. School Name & Address (street, city, state, zip code)
Dickinson College
P.O. Box 1773
Carlisle, PA 17013-2896
TERMS AND CONDITIONS.
7. Borrower Status 18. Interest Rate
L Half-lime a greater ? Less than had-time I 5%
9. Loan Amount:
$2,000.00
10. Loan Period
1999-2000
[Any bracketed clause or paragraph may be included at option of ensutudon.1
APPLICABLE LAW -The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of the Higher
Education Act of 1965. as amended (hereinafter called the Act), as well as Federal regulations issued under the Act. All sums advanced under this note are subject to the
Act and Federal regulations issued under the Act.
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter called the school) over a period
beginning 9 months (or sooner if 1 am a less than a half-time borrower) after the date I cease to be at least a half-time student at an Institution of higher education or a
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending 10 years later, unless 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 repayment period. My repayment period may be shorter than 10 years if 1 am
required by my school to make minimum monthly payments. Upon my written request my repayment period may be extended during periods of deferment, hardship, or
forbearance and I may make graduated installments in accordance with a schedule approved by the Secretary. I will make my installment payments in equal monthly,
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple of $5, 11 will 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)
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document.]
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if I fail to submit to the school on or before the due date of
the payment, a properly documented written request that 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, I must make a written request
to the school and must submit to the school any documentation the school requires to prove my eligibility for these benefits. I am responsible for submitting the
appropriate requests on time, and I may lose my benefits if 1 fail to file my request on time.
DEFAULT - If I fail to make a scheduled payment when due; if I fail to submit to the school, on or before the due date of a scheduled payment. documentation that I
qualify for a deferment. cancellation, or forbearance: or if 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 loan (demand immediate payment of the entire unpaid balance of the loan, including
principal, interest, late charges, and collection costs). The school. and the Secretary, if my loan is assigned to the Secretary for collection, shall disclose to credit bureau
organizations that I have defaulted and all other relevant loan information. I will lose my right to defer payments and my right to forbearance if I default on my loan. 1
will lose my right to receive cancellation benefits for service that is performed after the date the school accelerated the loan. I will be ineligible for any further federal
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANGE OF STATUS - 1 will inform the school of any change in my name, address, telephone number, Social Security number, or driver's license number.
ASSIGNMENT - This note may be assigned by the school only to the United States. The provisions of this note that relate to the school shall where appropriate relate to
the assignee.
PROMISE TO PAY: I promise to pay the school, or a subsequent holder of the Promissory Note, the sum of amount(s) advanced to me under the terms of this Note, plus
interest and other fees which may become due as provided in this Note. I promise to pay all reasonable collection costs, including attorney fees and other charges,
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it, including the provisions on the reverse side. This loan has been
made to me without security or endorsement. My signature certifies 1 have read. understand. and agree to the terms and conditions of this Promissory Note. THIS IS A
LOAN(S) THAT MUST BE REPAID
6' 6
Bor wer's Signature Date.
EXHIBIT "D"
Terms and Conditions (cont.)
HARDSHIP REPAYMENT OPTIONS - Upon my written request, if I
qualify as a low-income individual during the repayment period, the school
may extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if, in 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 1 experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years
.
GRACE PERIODS - My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Half-Time Borrower with outstanding Federal
Perkins Loans, my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of 9
months from the date my loan was made, or 9 months from the date I became
less than a half-time student, even if I received the loan after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows deferments that apply to Federal Perkins
loans.
PREPAYMENT I may prepay all or any part of my unpaid loan balance,
plus any accrued interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not he
considered a prepayment. If I repay amounts during the academic year in
which the loan was made and the initial grace period ended only those
amounts in excess of the amount due for anv 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 clue for an install-
ment the excess will br used to repay principal unless I designate it as an
advance payment of the next regular installment
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of $40 (or $30 if I have outstanding Federal Perkins loans made
before October 1. 1992 that included the S30 minimum payment option) if
required by the school. If the total monthly repayment rate on this loan and
any outstanding Federal Perkins loans I may have is less than the minimum
monthly repayment rate established by the school. the school may still require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans. including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option, the minimum monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school. I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 12 months for periods that collectively do
not exceed three years, under the following conditions) If my monthly Title IV
loan debt burden equals or exceeds 20% of my total monthly gross income. if
the Secretary authorizes a period of forbearance due to a national military
mobilization or other national emergency: or if the school determines that I
qualify due to poor health or for other reasons, including service in
AmeriCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school, I may defer making scheduled installment payments and will not
be liable for any interest that might otherwise accrue 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 die Secretary; engaged or public service that qualifies; men have part or all
of my loan canceled. 2) for a period not to exceed three vears during which I
am seeking but unable to find full-time employment 3) for a period not to
exceed three Years during which I am expenencing in ecunumic hardship as
determined by the .'hoof f air not eligible for a deferment while serving in a
medical internship or residency program I may continue w defer making
scheduled itsstalhnent payments and will riot be liable for any mterest that
might otherwise accrue for a six-month period immediately following the
expiration of anv deferment period described in this paragraph.
CANCELLATIONS Upon making a properly documented written request
to the school, Ian) 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-Lime teacher. in a public or other nonprofit
elementary or secondary school system, who teaches mathematics, science.
foreign languages, bilingual education, or any other field of expertise that is
determined by the State Department of Education to have a shortage of
qualified teachers in that State.
B. Early Intervention Services • a full-time qualified professional provider of
early intervention services in a public or other nonprofit program under public
supervision by a lead agency as authorized by section 672(2) of the Individuals
with Disabilities Education Act. Early Intervention Services are provided to
infants and toddlers with disabilities.
C. Law Enforcement or Corrections Officer • a full-time law enforcement
officer for an eligible local. State, or Federal law enforcement agency; or • a
full-time corrections officer for an eligible local, State, or Federal connections
agency
D. Nurse or Medical Technician • a full-Lime nurstt 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 nom profit child or family service agency who is providing or
supervising the provision of services to high-risk children who am 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 canceled at the following rates:
• 15% of the original principal loan amount 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 filth
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 frill-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-
tionalagency.
Cancellation Rate - For each completed year of service under the Head Start
Cancellation provision. this loan will be canceled at the rate of 15% of the
original principal loan amount.
G, Military Cancellation - Upon making a properly documented written
request to the school, I am entitled to have up to 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 States Code.
Cancellation Rate - For each completed year of service under the Military
Cancellation provision. this loan will be canceled at the rate of 12 1/2% of the
original principal loan amount.
H. Volunteer Service Cancellation - Upon making a properly documented
written request to the school, I am entitled to have up to 70% of the original
principal loan amount of this loan canceled for qualifying service performed
after I received the loan as • a volunteer under the Peace Corps Act; • a
volunteer under the Domestic Volunteer Service Act of 1973 (.ACTION
programs).
Cancellation Rate - For each completed year of service under the Volunteer
Service Cancellation provision, a portion of this loan will be canceled at the
following rates:
• 15 9o of the original principal loan amount for each of the first and second
12month periods of Service: and • 2096 of the original principal loan amount
for each of the third and fourth 12 month periods of service_
L Death and Disability Cancellation fn the event of env 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 tin this loan.
PPRKPAS (NDSL, TRUTH-IN-LE.NDTNG STATEMENT
OIC{INSCN COLLEGE
Account Number 00273-000-00-3286-09
Name of Borrower Marcia McKniff
Address V &,Vh ho 7CX. A-Vt
Kifl,imr,rcLI CA 9 30
ANNUAL PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
Prior to During
repayment repayment
AMOUNT FINANCED
The amount of
credit provided
to you.
0 7. 5 7 $ 2,000.00
Itemization of the Amount Financed: $ 2,000.00 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 pay off 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.
TEE BORROWER ACKNOWLEDGES RECEIPT OF AN ENACT COPY OF THIS STATEMENT.
STUDENT INSTITUTIONAL
BORROWER IU7) q REPRESENTATIVE
DATE 16 , ?_L' l / DATE `' 1,319q
?_?
VERIFICATION
1, THOMAS MEYER, Assistant Treasurer of Dickinson College, acknowledge that I have
the authority to execute this Verification on behalf of Dickinson College and certify that the
foregoing Complaint is based upon information which has been gathered by my counsel in the
preparation of this lawsuit. The language of this Complaint is that of counsel and not my own. I
have read the document and to the extent that this Complaint is based upon information which I have
given to my counsel, it is true and correct and to the best of my knowledge, information and belief.
To the extent that the content of this Complaint is that of counsel, I have relied upon counsel in
making this Verification.
This statement and Verification are made subject to the penalties of 18 Pa. C.S. § 4904
relating to unsworn falsification to authorities, which provides that if I knowingly make false
averments, I may be subject to criminal penalties.
Dickinson College
2?
Thomas Meyer
Assistant Treasurer ckinson College
Dated: 7?/0/Q 3
F:\FILES\DATAFILE\Dickinson College 7619\DickinsonCollegeCollections7619C\Documen6\I95.com
?_.: _?
_ ? ? a -
? ? ?
1
r_
\ ? ?
1.. ??.:'
`? ?Q _s ??
9
O ? ?, -J
?1 h?
F'.\PILES\DATAFILE\DickhOn College 7619\DekinsmCollcg olla[ions7619C\D =emu\185.pral/nlm
Created: 10/23/03 10:06AM
Revised'. 10/23/03 10'. 16AM '
]6190185
DICKINSON COLLEGE, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 03-3284
CIVIL ACTION-LAW
MARCIA McKNIFF,
Defendant JURY TRIAL OF TWELVE DEMANDED
PRAECIPE
Please reinstate the attached Complaint against Marcia McKniff, 2600 10th Street, #437,
Berkeley, CA 94710-2522, in the above-captioned action and return same to the undersigned for
service.
& OTTO
I.D. Number 87326
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Date: October 23, 2003 Attorneys for Plaintiff
DICKINSON COLLEGE, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVAP
V. NO. 03- 3.2 b"/
CIVIL ACTION-LAW
MARCIA McKNIFF
Defendant JURY TRIAL OF TWELVE DEMANDED
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in 1
following pages, you must take action within twenty (20) days after this Complaint and Notice
served, by entering a written appearance personally or by attorney and filing in writing with the co'
your defenses or objections to the claims set forth against you. You are warned that if you fail
do so, the case may proceed without you and a judgment may be entered against you by the col
without further notice for any money claimed in the Complaint or for any other claim or rel
requested by the Plaintiffs. You may lose money or property or other rights important to you.
O? YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NC
O HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SI
O FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Association
32 South Bedford Street
Carlisle, Pennsylvania 17013
Telephone (717) 249-3166
MARTSON DEARDORFF W LIAMS & OTTO
By -----
David David R, loway, Esquire
I.D. Number 87326
Ten East High Street
Carlisle, PA 17013
(717)243-3341
Attorneys for Plaintiff
Date: "; Ic`
in Testimony wr ,n,%(zf, I ;1e4;; P61?lw SGt y Itz:r':t;
?Cl the saol Of ;;ad Gs>s? a3 Carla ib. Pa.
Inis o day 01 c,
Prothonotary
DICKINSON COLLEGE, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVAP
V. NO. 03- -3 -? 5"/ ct?P c
CIVIL ACTION-LAW
MARCIA McKNIFF
Defendant JURY TRIAL OF TWELVE DEMANDED
COMPLAINT
AND NOW, comes Plaintiff Dickinson College by and through its attorneys, MARTSO
DEARDORFF WILLIAMS & OTTO, and hereby avers as follows:
I. Plaintiff Dickinson College is a Pennsylvania educational institution and nonprol
corporation with its principle place of business at West Street, Post Office Box 1773, Carlisl
Cumberland County, Pennsylvania 17013.
2. Defendant Marcia McKniff is an adult individual with a last known address of 602
Bernhard Avenue, Richmond, CA 94805.
3. On or about August 26, 1996, Defendant entered into a Promissory Note - Feder:
Perkins Loan Program (Note #1) with Plaintiff. A copy ofNote #1 is attached hereto as Exhibit "A.
4. Note # 1 provided for the financing of $2,000.00 plus interest and costs by Defendar
on her own behalf, for educational services and benefits at Plaintiff's institution.
5. On or about September 5, 1997, Defendant entered into an additional Promissor
Note - Federal Perkins Loan Program (Note #2) with Plaintiff. A copy of Note #2 is attached hereto
as Exhibit "B."
6. Note #2 provided for the financing of $2,000.00 phis interest and costs by Defendant
on her own behalf, for educational services and benefits at Plaintiff's institution.
7. On or about September 11, 1998, Defendant entered into an additional Promissory
Note - Federal Perkins Loan Program (Note #3) with Plaintiff. A copy of Note 92 is attached hereto
as Exhibit "C."
Note #3 provided for the financing of $2,000.00 plus interest and costs b Def d
on her own behalf, for educational services and benefits at Plaintiffs institution. y en ant
9. On or about October 20, 1999, Defendant entered into an additional Promissory Not
- Federal Perkins Loan Program (Note 44) with Plaintiff. A copy of Note #2 is attached hereto a
Exhibit "D."
10. Note #4 provided for the financing of $2,000.00 phis interest and costs by Defendan
on his own behalf, for educational services and benefits at Plaintiff s institution.
11. Note #1, Note #2, Note #3 and Note #4 are funds created under Part E of Title Iv
of the Higher Education Act of 1965 as amended, (hereinafter the "Act") and are subject to the Ac'
and the Federal Regulations issued under the Act.
12. As provided in the Act, Plaintiff acts in a fiduciary capacity in the handling;
disbursing and collecting of funds associated with the programs under the Act.
13. The total principal for Note #1, Note 92, Note 43 and Note #4 is $8,000.00.
14. Note #1, Note #2, Note #3 and Note #4 grant Plaintiff reasonable collection and
attorney's fees which Plaintiff has calculated to be $1,200.00.
15. As of April 3, 2003, the principal and interest due and payable by Defendant to
Plaintiff was $7,310.70, plus interest accruing thereafter at $.96 per day.
16. The outstanding balance of $7,310.70 represents the total and actual overdue value
of the financing provided to Defendant under Note #1, Note 42, Note #3 and Note #4 for which
Defendant has yet to pay.
17. Plaintiff has fulfilled, performed and complied with all obligations and conditions of
Note #1, Note #2, Note #3 and Note #4 .
COUNTI
BREACH OF CONTRACT
18. Plaintiff hereby incorporates by reference the averments contained in Paragraphs 1
through 13 of this Complaint.
19. Defendant breached the expressed and implied obligations, conditions and terms of
agreement of Note #1, Note #2, Note #3 and Note #4 by failing to pay the amounts financed therein.
WHEREFORE, Plaintiff demands judgment against Defendant in the amount of $7,310.
plus interest accruing at $.96 per day, collection and attorneys' fees in the amount of $1,200.00,
costs of suit.
COUNT II
IN QUANTUM MERUIT
20. Plaintiff hereby incorporates by reference the averments contained in Paragraphs I
through 19 of this Complaint.
21. Having requested Plaintiff to loan money, and doing so to the benefit of Defendant,
Defendant became liable to Plaintiff for said money.
22. Defendant has been unjustly enriched by accepting said money without paying
Plaintiff reasonable compensation therefor.
23. As of April 3, 2003, Defendant is liable to Plaintiff and/or has been unjustly enriched
in the amount of $7,310.70, plus interest accruing thereafter at $.96 per day.
WHEREFORE, Plaintiff demands judgment against De]:endant in the amount of $7,310.70,
plus interest accruing at $.96 per day, collection and attorneys' fees in the amount of $1,200.00 and
costs of suit.
MARTSON DEARDORFF WgI LIAMS & OTTO
i
Date: /I e;-'
By
David R. way
I.D. Number 87326
Ten East High Street
Carlisle, PA 17013-3093
(717) 243-3341
Attorneys for Plaintiff
FEDERAL PERKINS LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
McKniff, Marcia
?2 D Z O -8.e-)r h ha t-G ` V6.
IG? 1rnbYlj CA . q `I o o"5
f
Section B: School
6. School Name & Address (street, city, state, zip code)
Ili mini nsm College
P.O. Bcnt 1773
Carlisle, PA 17013-2896
2. Social Security Number
(PO- 8?- 258)
rte of Birth
_2-2?-?5
Area Code/Telephone Number
5(o) 23q - 5 14 /
5. Driver's License Number (List state
,?/ahe
7y. Botrfrnfer Status
U Half-time or greater ? Less than ham-time
$2000.00 11996-97
TERMS AND CONDITIONS:
[Any btackered clauz or paragraph may be irckakd at option of Institutkml
APPLICABLE LAW - The terms of this note and any disbursements made under this note shall be Interpreted in accordance with Part E of Title IV of the HI
Education Act of 1965. as amended (hereinafter called the Act). as well as Federal regulatiom issued under the Act. All sums advanced under this note are sut
Act and Federal regulations Issued under the Act.
REPAYMENT - I am obligated to repay the principal and the Interest that accrues on it to the above-nwud Institution (hereinafter called the school) over a
beginning 9 months (or sooner if I am a less than a half-time borrower) after the date I cease to be a Iew: a half-time student at an Institution of higher edue
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending 10 years later,
request In writing that my repayment period begin sooner. I understand that the school will mport the amount of my installment payments, along with the an
loan to a national credit bureau. Interest on this loan shall accrue from the beginning of the repayment period. My repayment period may be shorter than 10
required by my school to make minimum monthly payments. Upon my written request my repayment period may be extended during periods of deferment.
forbearance and I may make graduated Installments in accordance with a schedule approved by the Secretary. I will sake my installment payments in equal re
bimonthly or quarterly installments as determined by the school. The school may round my Installment payment to the next highest multiple of $5- 11 will in
minimum monthly repayment of 240 (or $30 if I have outstanding Federal Perkins loam made before October 1, 1992 that Included the $30 minimum payn
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the neverst side of this document.)
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if I fail to submit to the school on or before the it
the payment. a properly documented written request that 1 qualify for any of the forbearance, deferment or cancellation benefits as described below. No late c
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 this
it with the next scheduled repayment after 1 have received notice of the charge, and such notice Is sent before the next installment is due.
REQUESTS FOR DEFERMENT. CANCELLATION OR FORBEARANCE - To receive deferment, cancellation. or forbearance benefits. I must make a w,
to the school and must submit to the school any documentation the school requires to prove my eligibility for these benefits. 1 am responsible for submitting
appropriate requests on time, and I may lose my benefits if I fall to the my request on time.
DEFAULT - If 1 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. documental
qualify for a deferment, cancellation, or forbearance; or if I felt to comply with the terns and mnditlonsof this promissory note or written repayment agrees
school may, at Its option. declare my loan to be In default and may accelerate my loan (demand immediate payment of the entire unpaid balance of the loan,
principal, interest. late charges, and collection ants). The school, and the Secretary If my loan is assigned to the Secretary for collection, shall disclose to endl
Organizations that I have defaulted and all other relevant loan information. I will lox my right to defer payments and my right to forbearance If 1 default on r
will lose my right to receive cancellation benefits for service that b performed after the date the school accelerated the low. I wit be ineligible for any further
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANGE OF STATUS - I will inform the school of any change in my mine, 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 provbios of this note that relate to the school shall where appropd
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 th
interest and other fees which may become due as provided in this Note. I promise to pay all reasonable collection costs, including attorney fees and other char
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it. Including the provisions on the reverse side. This lea
made to me without security or endorsement. My signature certifies I have read, understand, and agree to the terns and conditions or this Promissory Note. -
LOAN(S) THAT MUST BE REPAID
Borr6wer's Signature J (? EXHIBIT "A"
Date:
C/
first)
Rate
ect to the
tried
Lion or a
unless I
ount of this
ears if I am
ardshlp, or
mthly,
ke a
mt option)
e date of
wiles may
or include
[ten request
x
n that I
nt. the
,eluding
bureau
y loan. I
ederal
to relate to
Note, plus
es.
I has been
HIS IS A
Terms and Conditions (cont.)
HARDSHIP REPAYMENT OPTIONS Upon my written request, if I'
qualify as a low-income individual during the repayment period, ire school
may, extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if, in its opinion,
prolonged illness or unemployment prevent me from making the scheduled
repayments during which time interest will continue to worse. The school
may permit me to pay less than the minimum monthly repayment rate for a
period of not more than one year at a time if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years.
GRACE PERIODS - My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Half-Time Borrower with outstanding Federal
Perkins Loam- my repayment begin when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loam, my repayment begins the earlier of 9
months from the date my loan was made, or 9 months from the date I became
less than a half-time student. even if I received the from after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows deferments that apply to Federal Perkins
Iowa.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance,
plus any accrued interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If I repay amnounu during the academic year in
which the loan was made and the initial grace period ended, only those
amounts in excess of the amount due for any repayment period shall be
considered a prepayment. If, in an academic year other than the award year in
which the loan was made. I repay more than the amount due for an install-
ment, the excess will be used to repay principal unless I designate it as an
advance payment of the next regular Installment.
MINIMUM MONTHLY PAYMENT - I will snake a minimum monthly
repayment of $40 (or $30 if I have outstanding Federal Perkins loam made
before October 1, 1992 that Included the $30 minimum payment option) if
required by the school. If the total monthly repayment rate on this loan and
any outstanding Federal Perkins loam I may have is less than the rdnimtrn
monthly repayment rate established by the school, the school may still require
a minimum monthly repayment rate. A minimurn monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loam, including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins bans. If each school
holding my outstanding Federal Perkins loan 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 documernted written request to
the school. I am entitled to forbearance of principal and interest cir principal
only, renewable at intervals up to 12 months for periods that collectively do
not exceed three years, under the following condition: If my monthly Title IV
Iowa 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 rational emergency; or if the school determines that I
qualify due to poor health or for other reason. Including service in
AmedCorps. Interest accrue during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school. I may defer making scheduled hnstagment 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; engaged in public service that qualifies me to have part or all
of my loan canceled; 2) for a period not to exceed three years during which I
am seeking but unable to find full-time employment, 3) for a period not to
exceed three years during which I am experiencing an economic hardship as
determined by the school. I am not eligible for a deferment while serving in a
medical internship or residency program. I may continue to defer making
scheduled installment payments and will not 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.
CANCELLA DONS - Upon making a properly documented written request
to the school. I Ins entitled to have up to 100% of the original picipal loan
amount of this loan canceled if I perform qualifying service in dm auras listed
in paragraphs A. R. C. D and E below. Qualifying Service must 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
me provisions of section 465(a) (2) of the Act as a school with a gh
concentration of students from low-income families. An official Directory of
designated low-income schools is published annually by the Sec Lary. • a full-
time special education teacher in a public or nonprofit elementary or
secondary school system. • a full-time teacher. in a public or oche nonprofit
elementary or 9x:ondary school system. who teaches mathematl science,
foreign languages, bilingual education, or any other field of ex a that is
determined by the State Department of Education to have a shoo age 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 ;n lead agency as authorized by section 672(2) of it e Individuals
with Disabilities Education Act. Early Intervention Services are p ided to
infants and toddlers with disabWtim
C. Law Enfomtmrent or Correction Officer • a full-time law enforcement
officer for an eligible local, State, or Federal law enforcement ag icy: or • a
full-time corrections officer for an eligible local. State, or Federal orrectiom
agency.
D. Nurse or Medical Technician • a full-time nurse providing health cam
services: or • a krill-time medial 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 provid ng or
supervising the provision of services to high-risk children who from low-
income communities and the families of such children.
Cancellation Rates - For each completed year of service under p graphs A.
B. C. D and E a portion of this loan will be canceled at the roll ring rata:
• 15% of the original principal loan amount for each of the first nd second
years: • 20% of the original principal loan amount for each of the third year
and fourth yeas; and • 30%a of the original principal loan amour t for the fifth
year.
F. Head Stan Cancellation - Upon making a properly document written
request to the school. I am entitled to have up to 100% of the ginal
principal loan :amount canceled for qualifying service performed ter I receive
the loan as: • a full-time staff member in the educational compo ent of a
Head Start program which a operated for a period comparable it - a full school
year and whidr pays a salary comparable to an employee of the 1 al educa-
tional agency.
Cancellation Rate - For each completed year of service under the Head Start
Cancellation provision, this loan will be canceled at the rate of 15 of the
original principal loan amount.
G. Military Cancellation - Upon making a properly document written
request to the :drool, I am entitled to have up to 50% of the principal amount
of this loan canceled for qualifying service performed after I recei the loan
as: • a member of the Armed Forces of the United States in an a of
hostilities that qualifies for special pay under section 310 of Title 37 of the
United States Code.
Cancellation Rate - For each completed year of service under the Military
Cancellation provision, this loan will be canceled at the rate of 12 V2% 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% o the original
principal loan amouart 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 Volunteer
Service Cancellation provision, a portion of this loan will be can eled at the
following rates:
• 15% of the original principal loan amount for each of the fast 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.
L Death and Disability Cancellation - In the event of my death. the school
will cancel the total amount owed on this loan. V I become permanently and
totally disabled after I receive this loan, the school will cancel th total amount
owed on this loan.
ttutxf)L PLRKI/V% > LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
McKniff, Marcia M.
6020 Bernhard Ave.
Richmond, CA 94805
3. Date of
a a7 - 7-
(9 10) _/- - 315q
5. Driver's License Number (List state abbre iation First)
NA
6. School Name & Address (street, city, state, zip code) 77 Borrower Status 8. Interest Rate
Dickinson College J Half-time or greater 0 Less than half-time %
P.O. Box 1773 9. Loan Amount: I10. Loan Perk d
Carlisle, PA 17013-2896
TERMS AND CONDITIONS:
iAny bracketed clause or paragraph may be included at option of uuticution.i
APPLICABLE LAW - The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of the Higher
Education Act of 1965. as amended (hereinafter relied the Act), as well as Federal regulations issued under the Act. All sums advanced under this note are ubject to the
Act and Federal regulations issued under the Act.
REPAYMENT - 1 am obligated to repay the principal and the interest that accrues on it to the above-named institution (hereinafter called the school) over a period
beginning 9 months (or sooner if 1 am a less than a half-time borrower) after the date I cease to be at lent a half-time student at an Institution of higher a ucation or a
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending 10 years la er, 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 [his
loan to a national credit bureau. Interest on this loan shall accrue from the beginning of the repayment period. My repayment period may be shorter than 0 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 deferme t, 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 equa monthly,
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple or $5. (1 will 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 p y in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document.) nsent option)
LATE CHARGES - The school will impose late charges if 1 do not make a scheduled payment when cue or if I fail to submit to the school on or before th 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 la[ 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 see 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, 1 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 1 fail 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 1 fail to comply with the terms and conditions of this promissory note or written repayment agre ment. the
school may, at its option, declare my loan to be in default and may accelerate my loan (demand immediate payment of the entire unpaid balance of the loan. including
principal. interest. late charges. and collection costs). The school, and the Secretary. if my loan is assigned to the Secretary for collection, shall disclose to credit bureau
organizations that 1 have defaulted and all other relevant loan information. 1 will lose my right to defer payments and my right to forbearance if 1 default o my loan. I
will lose my right to receive cancellation benefits for service that is performed after the date the school accelerated the loan. 1 will be ineligible for any further federal
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANGE OF STATUS I will inform the school of any change in my name, address. telephone number. Social Security number, or driver's license number.
ASSIGNMENT - This note may be assigned by the school only to the United States. The provisions of this note that relate to the school shall where appropriate relate to
the assignee.
PROMISE TO PAY: [ promise to pay the school. or a subsequent holder of the Promissory Note. the sum of amount(s) advanced to me under the terms of this Note, plus
interest and other fees which may become due as provided in this Note. 1 promise to pay all reasonable collection costs, including attorney fees and other c arges.
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it. including the provisions on the reverse side. This can 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 Not . THIS IS A
LOAN(S) THAT MUST BE REPAID
<}? ,
61
s Signature
00213-000-00-3236-09
2. Social Security Number
- 11 -? -r;t5 V
EXHIBIT 11Bi'
Date:
rwrn5 and Con(1100f?,; f onf )
II II)5I!11' I1 .AIs117:Nl )I fI(.)PI .u n'r: s t -'qn, .t d,l
yn.liiv, a.. i III eunme itch utua htnn, th rip I hue n i" I. rho r.c kool
may extend die repayment period for up to an additional ten (10) years anti
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 ur uuemplovment prevent me from making the scheduled
repayments during •.vhich Lime interest will continue to accrue. The school
may permit me to pay less than the minimum monthly repavment rate for a
period of not more than one vear at a time if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period heyond 10 years.
GRACE PERIODS My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Haff-Time Borrower with outstanding Federal
Perkins Loans. my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begim the earlier of 9
months from the date my loan was made. or 9 months from the date I became
less than a half-time student. even if [received the loan alter [became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows deferments that apply to Federal Perkins
loans.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance,
pltts any accrued interest, at any time without penalty. Amounts I repay in the
academic year in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If I repay amounts during the academic year in
which the loan was made and the initial grace period ended. only those
amounts in extent of the amount due fnr armv repayment period shall be
considered a prepayment. If. in an academic vear other than the award year in
which the loan '.vas made. I repay more than the amount due for an install
merit, the excess •.vfll be used to repay principal unless I designate it as an
advance pasment of the next regular installment.
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of S40 (or S30 if I have outstanding Federal Perkins loam made
befnte October L 1992 that included the S30 minimum payment option) if
required by the school. U the total monthly repayment rate on this loan and
any outstanding Federal Perkins loans I may have is less than the minimum
monthly repavment rate established by the school. the school may still require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans. including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the minimum monthly
payment option, the minimum monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school. I am entitled to forbearance of principal and interest or principal
et Li t r -1 a, - .: "t:lord r, nut dt•lcrlh:d ^ n, panlv_raph III t ?,Sl 1 L Vt Itl`"S .nakiltr i
only. renewable at intervals up to 12 months for periods that collectively do
not exceed three years. under the following conditions: If my monthly Title IV
loan debt burden equals or exceeds 209o 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
AmenCorps. Interest accrues during any period of forbearance.
DEFERMENTS Upon making a properly documented written request to
the school. I may defer making scheduled installment payments and will not
be liahle foranv interest that might otherwise accrue 1) during any period that
I am; enrolled and attending u a regular student in at least a half-time course
of study at in eligible school; enrolled and attending as a regular student a
graduate fellowship program approved by the Secretary; engaged in graduate
or post graduate fellowship-supported study outside the US; enrolled and
attending a rehabilitation training program for disabled individuals approved
by the Secretary: engaged in public service that qualifies me to have part or all
of my loan canceled; 2) for a period not to exceed twee yeah during which I
am necking matt, unahle to find full-time erift ment. 3) for a period not to
e:¢e' hr•v vr-an -:turfing which i tint experiencing an economic hardship as
ch h t,it. I t, ih, 'a hnnl I anh ,-I, t- tgdil. C it
h def, rnwnt sshilr arr.'i rig In a
rot a t..;_rl I;; A Itsirlent n.,enmi . in, ++. nn nn to I,efrr makin,,
;r he ,.ll; -ia•:err -,d will i .. i'r.l.. t .,..,r-,,I :hat
it. br a , -I...nIII p n .. v t.tdl,t I: slnR the
. I" "i ti pr.prI l: di>`-.un e.ut rd •n
dI : seh.,ut 1 ....I •n I''Ied III bmr rip Ill I00"o of the original
't nnunt'It'.lu Its ranirltd it I perform Iualll sin'{ nn-ire in tl
,,I pungt .Iphhs \, t3. C. D ,rid L hclosv_ QU9hhring $avia: must
after I receive the loan.
A. Teaching • a full-time teacher in a public or other nonprofit
seaatlan' school. that has been designated by the Secretary in a
the politicos of section 165(a)(2) of the Act as a school with a
concentration of Students from low-income families. An official
designated low income schools is published annually by the Sec
time special education teacher in a public or nonprofit elementa
secondary school system. • a full-unmc teacher, in a public or oth
elementary or secondary school system, who teaches mathemad
foreign languages. bilingual education. or any other field of expo
determined by the State Department of Education to have a she
qualified teachers in that State.
B. Early Intervention Services • a full time qualified profession
early intervention services in a public or other nonprofit prograt
supervision by a lead agency as authorized by section 672(2) of
with Disabilities Education Act. Early Intervention Services are
infants and toddlers with disabilities.
C. Law Enforcement car Corrections Officer • a full-time law et
officer for an eligible local, State, or Federal law enforcement age
full-time corrections officer for an eligible local. State, or Fedora
agency.
D. Nurse or Medical Technician • a full-time nurse providing f
services; or • a full-time medical technician providing health car
p
E. Child or Family Service Agency • a full-Lime employee of an
or private non-profs child or family wrvice agency who is provi?
supervising the provision of services to high-risk children who a
income communities and the families of such children.
Cancellation Bates - For each completed year of service under p
B. C. D and F. a portion of this loan will be canceled at the foilc
• 15% of the original principal loan amount for each of the first and second
years: • 20% of the original principal loan amount for each of the third year
and fourth years: and • 30tyn of the original principal loch amount for the fifth
year.
F. Head Star[ Cancellation - Upon making a properly documen ed written
request to the school. I am entitled to have up to 100% of the o iginal
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 ( a full school
year and whicin pays a salary comparable to an employee of the local educa-
tonalagency.
Cancellation Rate - For each completed year of service under the Head Start
Cancellation provision, this loan will be canceled at the rate of I S% of the
original principal loan amount.
G. Military Cancellation - Upon malting a properly documents written
request to the school. I am entitled to have up to 56% of the principal amount
of this loan canceled for qualifying service. performed after 1 rece ve the loan
as: • a member of the Armed Forces of the United States in an a a of
hostilities that qualifies for special pay under section 310 ofTitl 37 of the
United States Code.
Cancellation Rate - For each completed year of service under th. Military
Cancellation provision, this loan will be canceled at the rate of I 1/2% of the
original print -.pal loan arnount.
H. Volunteer Service Cancellation Upon making a properly documented
written request to the school. I am entitled to have up to 70% o the original
principal loan amount of this loan canceled for qualifying se-vic performed
after I received the loan as • a volunteer under the Peace Corps Act: • a
volunteer under the Domestic Vnlunteer Service Act of 1973 IA T1ON
programs).
Cancellation Rate - For each completed year of service under th Volunteer
Service Cancellation provision, a potion of this loan will be. can Bled at the
following rates.
1 59 of the orwind principal In,n :nnouni for each of time first and second
l2 -month p,-i.,tl. of"Ice, and • .'0' of the anginal pnncipa Imin omowit
f or sack of the third and fourtl . nnnth periods ul a r: io
1. Death and Disability' C."nCllat ion - n h. rw•nr f t,m• r a c '.civmal
t!
dl tun_e=! Ill Ihl tr:o t _i u? h: Irian. If tie t.emly and
r r dl•' Div herd I m I : II, an, hr Ctinni II nn'rt th .t.d in,.-. ... it
u•.•n•d ?.n this Irian
9I!`<C:1Si:N COLLEGE
Account: `umber 00273-000-00-3286-09
;lame of Borrower Mckniff? Marcia M
Address 6020 Bernhard Ave.
Richmond, CA 94805
ANNUAL PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
Prior to
repayment
0 %
During
repayment
5 7.
AMOUNT FINANCED
The amount of
credit provided
to you.
$ 2 onr_nn
Itemization of the Amount Financed: $ 9,nnn.nn -Amount given directly to you.I
Lane 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 pay off early, you will not have to pay a penalty.
See your promissory note for any additional information about nonpayment,
fault, any required repayment in full before the scheduled date, and pre-
payment.
TEE BORROWER ACKNOWLEDGES RECEIPT OF AN E:t.ACI C0117 OF THIS STATEMENT.
S-JDENT INSTITUTIONAI.
BORROW tit REPRESENTATIVE
-- --
DAT ---- -_ .? D?.TE
FEDERAL PERKINS LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
McKniff, Marcia
6020 Bernhard Ave.
Richmond, CA 94805
00275-000--00-32)36-09
C') a?lZS-Ci If µr
2. Social Security Number
415Q-87-2581
3. (Date of Birth
a- a-?- --4-?
4. Area Codelfelephone Number
5. Driver's License Number (List state abbre iat[on first)
tjovv ?
6. School Name &
city, state, zip code)
7 Borrower Status
L' Half-time or greater ? Less than hap-time
D1ck:Lnson College
P.O. Brix 1773
Carlisle, PA 17013-2896
TERMS AND CONDITIONS:
9.
10.
[Any bracketed clause or paragraph may be included at option of institution. I
APPLICABLE LAW - The corms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of the
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 s
Act and Federal regulations issued under the Act.
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above named institution (hereinafter called the school) over
beginning 9 months (or sooner if I am a less than a half-time borrower) after the date 1 cease to be at least a half-time student at an Institution of higher ed
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending 10 years lat
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
loan to a national credit bureau. Interest on this loan shall accrue from the beginning of the repayment period. My repayment period may be shorter than I
required by my school to make minimum monthly payments, Upon my written request my repayment. period may be extended during periods of defermen
forbearance and I may make graduated installments in accordance with a schedule approved by the Secretary. I will make my installment payments in equal
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple of $5. 11 will
minimum monthly repayment of $40 (or $30 if I have outstanding Federal Perkins loans made before October 1, 1992 that included the $30 minimum pa
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document.)
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if 1 fail to submit to the school on or before the
the payment. a properly documented written request that I qualify for any of the forbearance. deferment or cancellation benefits as described below. No tat
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 c
it with the next scheduled repayment after I have received notice of the charge. and such notice is sent before the next installment is due.
REQUESTS FOR DEFERMENT, CANCELLATION OR FORBEARANCE -To receive deferment, cancellation, or forbearance benefits. I must make a
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 submittir
appropriate requests on time, and I may lose my benefits if I fail to file my request on time.
DEFAULT - If I fail to make a scheduled payment when due: if I fail to submit to the school, on or before the due date of a scheduled payment, document
qualify for a deferment. cancellation. or forbearance: or if 1 fail to comply with the terms and conditions of this promissory note or written repayment agre,
school may, at its option. declare my loan to be in default and may accelerate my loan (demand immediate payment of the entire unpaid balance of the loaf
principal, interest, late charges. and collection costs). The school, and the Secretary, if my loan is assigned to the Secretary for collection. shall disclose to cr
organizations that I have defaulted and all other relevant loan information. I will lose my right to defer payments and my right to forbearance if I default of
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 furth
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan,
CHANGE OF STATUS - I will inform the school of any change in my name, address, telephone number. Social Security number, or drivers license numb
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 appro
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
interest and other fees which may become due as provided in this Note. I promise to pay all reasonable collection costs. including attorney fees and other cl
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it, including the provisions on the reverse side. This
made to me with.., security or endorsement. My signature certifies I have read. understand, and agree to the terms and conditions of this Promissory Not,
LOAN(S) THAT MUST BE REPAID
EXHIBIT nCn
Date:
t
Rate
Oject to the
period
cation or a
r. unless I
Lmount of this
1 years if 1 am
, hardship, or
monthly,
nake, a
ment option)
due date of
charges may
ae or include
rotten request
;the
Lion that I
vent, the
,including
lit bureau
my loan. 1
r federal
r.
,late relate to
his Note. plus
arges,
,an has been
THIS IS A
Terms and Conditions (r unt)
I IrARI)11 Ill' !J.i';AYiAli7N f UI' I IUfJJ I :pun nrv .r'u t raj", i o!
quallfv as a low u,, ,le uulh•Idual during the rrpaynu•nt period. the school
may extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request, the school may extend the repayment period if, in its opinion,
prolonged illness or unernplovment 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 mintmum monthly repayment rate for a
period of not more than one vear at a Lime if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years.
GRACE PERIODS - My initial grace period before beginning repayment is 9
months. If I am a Less-ThanHalf-Time Borrower with outstanding Federal
Perkins Loans. my repayment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of 9
months from the date my loan was made, or 9 months from the date I became
less than a half-time student, even if I received the loan after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that Follows deferments that apply to Federal Perkins
loans.
PREPAYMENT - I may prepay all or any part of my unpaid loan balance.
plus any accrued interest. at any time without penalty. Amounts I repay in the
academic vear in which the loan was made and before the initial grace period
has ended will be used to reduce the amount of the loan and will not be
considered a prepayment. If I repay amounts during the academic vear 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 ,vear in
which the loan was made. I repay more than the amount due for an install-
ment, the excess will he used to repay principal unless I designate it as an
advance payment of the next regular installment.
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of S40 (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 Federal Perkins loans I may have is less than the minimum
monthly repaverent rate established by the school. the school may still require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans, including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding me outstanding Federal Perkins loans exercises the minimum monthly
payment option. the minimum monthly repayment will be divided among the
schools in proportion to the amount of principal advanced by each school.
FORBEARANCE - Upon making a properly documented written request to
the school. I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 12 months for periods that collectively do
not exceed three years, under the following conditions: If my monthly Tide 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
AmenCorps. Interest accrues daring 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 ariv 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 feilowshi P-supported study outside the US: enrolled and
attending a rehabilitation training program for disabled individuals approved
by the Secretary. engaged in public service that qualifies me to have part or all
of my loan canceled: 2) for a period not to exceed three years during which I
am seeking but unable to Find full time employment, 3) for a period not to
exceed dvee scar dunng which I am experiencing an economic hardship as
detemiino l ;n, ;hl. ".choO I am not eligible for a deferment evhile ser: ing in a
medical tnue-xIp rx asi? i nUV program_ I may centime to defer making
schedui,l ntitallmi.:.t pay mCn¢ andNIII not be liable [or an, ncsrtsr that
might .nf-,erv: ra a.- r? • for a six munth period unmediateD: following the
.zplrauon i.f r d ,it • rv nt pr nod described in this oara;;ruph.
('.A.`,t=f.I.L.-A CI UM; [lion making a properly doru merited wr
an thr trhurl, I run enliOrJ w have up to i009o of rho original pl
.wieum of the, In.m canceled if I perform quahlying rte ice in in
in paragraphs A. B. C. D and E below. Qualifying Service must t
after I receive the loan.
A. Teaching • a full-time teacher in a public or other nonprofit e
secondary school, that has been designated by the Secretary in ac
the provisions of section 465(a)(2) of the Act as a school with a t
concentration of students from low-income families. An official
designated low income schools is published annually by the Seer
time special education teacher in a public or nonprofit elemental
secondary school system. • a full-time teacher, in a public or nth
elementary or secondary school system. who teaches mathematic
foreign languages, bilingual education, or any other field of expe
determined by the State Department of Education to have a shot
qualified teachers in that State.
B. Early Intervention Services • a full-time qualified professions
early intervention services in a public or other nonprofit prograr
supervision by a lead agency as authorized by section 672(2) of t
with Disabilities Education Act. Early Intervention Services are 1
infants and toddlers with disabilities.
C. Law Enforcement or Corrections Officer • a full-time law er
officer for an eligible local, State. or Federal law enforcement age
full-time corrections officer for an eligible local. State, or Federal
agency.
D. Nurse or Medical Technician • a full-time nurse providing h
services: or • a full-time medical technician providing health can
E. Child or Family Service Agency • a full-time employee of an
or private non-profit child or family service agency who is provi
supervising the provision of services to high-risk children who a
income communities and the families of such children.
Cancellation Rates - For each completed year of service under F
B. C. D and F. a portion of this loan will be canceled at the foil(
15% of the original principal loan amount for each of the first
years: • 20% of the original principal loan amount for each of d
and fourth yews: and • 30% of the original principal loan arena
year.
F. Head Start Cancellation - Upon making a properly documer
request to the school. I am entitled to have up to 100% of the c
principal loan amount canceled for qualifying service performer
the loan as: • a fall-time staff member in the educational comp,
Head Start program which is operated for a period comparable
year and which pays a salary comparable to an employee of the
tionai agency.
Cancellation Rate - For each completed year of service under if
Cancellation provision, this loan will be canceled at the rate of
original principal loan amount.
C. Military Cancellation - Upon making a properly document
request to the school. I am entitled to have up to 50% of the pi
of this loan canceled for qualifying service performed after I rec
as: • a member of the Armed Forces of the United States in an
hostilities that qualifies for special pay under section 310 of Tit
United States Code.
Cancellation Rate - For each completed year of service under t
Cancellation provision. this loan will be canceled at the rate of
original principal loan amount.
H. Volunteer Service Cancellation - Upon making a properly
written request to the school, I am entitled to have up to 70%
principal loan amount of this loan canceled for qualifying terv
after I received the loan as: • a volunteer under the Peace Corp
volunteer under the Domestic Volunteer Service Act of 1973
programs).
Cancellation Rate - For each completed ,vear of service under
Service Cancellation provision, a portion of this loan will be e
following rates:
• I S% of the original principal loan amount for each of the hi
12-month periods of serice: and • 20'ir, of the original linnet
for each of the third and fourth 12month periods of ser-•ece.
1. Death and Disability Cancellation In th,; event of my de.
will cancel the total amount owed on this loan. If i hernme pi
totally dice led after I rieni, this loan. the school will cancel
awed nn Lh s loan.
cca nc ?lumber 00273-000-00-3286-09
Name of Borrower Marcia MrKniff
Address 6020 Bernhard Ave.
Richmond, CA 94805
ANNUAL PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
Prior to
repayment
0
During
repayment
5 7.
AMOUNT FINANCED
The amount of
credit provided
to you.
$ 2.01]0.00
Itemization of the Amount Financed: $ 2,000.00 _Amount given directly tb you.l
Late Charge: If a payment is late, you may be charged: $1.00 for the firs
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 pay off early, you will not have to pay a penalty.
See your promissory note for any additional information about nonpayment,
fault, any required repayment in full before the scheduled date, and pre-
payment.
TEE BORROWER A=NOW'LEDGES RECEIPT OF AN EXACT COPY OF THIS STATB.`*ENT.
STUDE` inn ^?/?LNSTITiTr?ONAi r.
BORR04 -. J {' /7 ZL4U - I (/ REP°.ESENTaTIVE -? '
ie-
L
FEDERAL PERKINS LOAN
PROMISSORY NOTE
1. Name (last, first, middle initial) and
Permanent Address (street, city, state, zip code)
Marcia MCKnlff
?'OZ(7 13zr ?hc?rcl Aw
't c ?q w o VlGl C "N-ti
2. Social Security Number
3. Date of Birth
4. area Code/Telephone Number
r:/?io)a3?-S??-I
ver's License Number (List state
6. School Name & Address (street, city, state, zip code)
Dickinson College
P.O. Box 1773
Carlisle, PA 17013-2896
7. Borrower Status
U Hag-time v greater ? Less than half-time
9. Loan Amount
$2,000.00
TERMS AND CONDITIONS:
10.
lbbr 'ation first)
8. In rest Rate
1999-20100
[Any bracketed clause or paragraph may be included at option of institution. [
APPLICABLE LAW - The terms of this note and any disbursements made under this note shall be interpreted in accordance with Part E of Title IV of th
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
Act and Federal regulations issued under the Act.
REPAYMENT - I am obligated to repay the principal and the interest that accrues on it to the above named institution (hereinafter called the school) ovt
beginning 9 months (or sooner if 1 am a less than a half-time borrower) after the date 1 cease to be at least a half-time student at an Institution of higher e
comparable school outside the United States approved by the United States Secretary of Education (hereinafter called the Secretary) and ending 10 years 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 if
loan to a national credit bureau. Interest on this loan shall accrue from the beginning of the repayment period. My repayment period may be shorter than
required by my school to make minimum monthly payments. Upon my written request my repayment period may be extended during periods of deferm.
forbearance and I may make graduated installments in accordance with a schedule approved by the Secretary. 1 will make my installment payments in equ
bimonthly or quarterly installments as determined by the school. The school may round my installment payment to the next highest multiple of $5. It wl
minimum monthly repayment of $40 (or $30 if I have outstanding Federal Perkins loans made before October 1. 1992 that included the S30 minimum 1
in accordance with the Minimum Monthly Payment Section of the Terms and Conditions contained on the reverse side of this document.)
LATE CHARGES - The school will impose late charges if I do not make a scheduled payment when due or if I fail to submit to the school on or before t
the payment. a properly documented written request that I qualify for any of the forbearance, deferment or cancellation benefits as described below. No Iexceed 20% of my monthly, bimonthly or quarterly payment. The school may add the late charges to principal the day after the scheduled repayment wa!
it with the next scheduled repayment after I have received notice of the charge. and such notice is ,it before the next Installment is due.
REQUESTS FOR DEFERMENT. CANCELLATION OR FORBEARANCE - To receive deferment, cancellation, or forbearance benefits, 1 must make
to the school and must submit to the school any documentation the school requires to prove my eligibility for these benefits. 1 am responsible for submit)
appropriate requests on time, and 1 may lose my benefits if 1 fail to rile my request on time.
DEFAULT - If I fail to make a scheduled payment when due: if I fail to submit to the school. on or before the due date of a scheduled payment. docume
qualify for a deferment. cancellation. or forbearance; or if 1 fail to comply with the terms and conditions of this promissory note or written repayment agi
school may, at its option, declare my loan to be in default and may accelerate my loan (demand immediate payment of the entire unpaid balance of the It
principal, interest. late charges, and collection costs). The school. and the Secretary, if my loan is assigned to the Secretary for collection, shall disclose to
organizations that I have defaulted and all other relevant loan information. I will lose my right to defer payments and my right to forbearance If I default
will lose my right to receive cancellation benents for service that is performed after the date the school accelerated the loan. I will be ineligible for any for
student financial assistance authorized under the Act until I make arrangements that are satisfactory to the school or the Secretary to repay my loan.
CHANCE OF STATUS - I will inform the school of any change in my name. address. telephone number. Social Security number, or driver's license nor
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 app
the assignee.
PROMISE TO PAY- t promise to pay the school, or a subsequent holder of the Promissory Note. the sum of amount(s) advanced to me under the ter.
interest and other fees which may become due as provided in this Note. I promise to pay all reasonable collection costs, including attorney fees and other
necessary for the collection of any amount not paid when due. I will not sign this Note before reading it. Including the provisions on the reverse side. Th
made to me without security or endorsement. My signature certifies I have read. understand, and agree to the terms and conditions of this Promissory Nt
LOAN(S) THAT MUST BE REPAID
Signature Date:
ExxiazT "n•,
7erfns and Conditions (cofir-)
FIARD)i!lI' I 1::!tA(E;dI' Oil IlI7NS I, ';... :m ',ern rr. tors.. d I
qualify o a low urconre Individual duriwg the repayment pctiod, the. schooi
may extend the repayment period for up to an additional ten (10) years and
may adjust any repayment schedule to reflect my income. Upon my written
request. the school may extend the repayment period if. in its opinion,
prolonged illness or unemployment pmvent one from "raking the scheduled
repayments during which time interest will continue to accnre. The school
may permit me to pay less than the minimum monthly repayment ran, for a
period of not more than one year at a lime if I experience a period of
prolonged illness or unemployment except such action may not extend the
repayment period beyond 10 years.
GRACE PERIODS - My initial grace period before beginning repayment is 9
months. If I am a Less-Than-Half-Time Borrower with outstanding Federal
Perkins Loans, my repavment begins when the next scheduled installment of
my outstanding loan is due. If I am a Less-Than-Half-Time Borrower with no
outstanding Federal Perkins Loans, my repayment begins the earlier of 9
months from the date my loan was made. or 9 months from the date I htsame
less than a half-time student, even If I received the loan after I became a less
than half-time student. My payments will resume after a post-deferment grace
period of 6 months that follows deferments that apply to Federal Perkins
loam.
PREPAYMENT - I mar prepay all mr any part of my unpaid loan balance.
plus any accrued interest, at any rime 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 he
considered a prepayment. IF I repay' amounts during the academic year in
which the loan was made and the initial grace period ended, only those
amotm¢ in excess of the amount due for any repavment period shall be
considered a prepavrrient. If, in in academic year ether than the aw'aid ;ear in
which the loan was made. I repay more than the annuont cut far an install
ment. the excess will M• used to repay principal unless 1 designate it its an
advance pavment of [he next regular installment
MINIMUM MONTHLY PAYMENT - I will make a minimum monthly
repayment of S40 (or 530 if I have outstanding Federal Perkins loans made
before October 1. 1992 chat included the S30 rntntmum pavnieut option) if
required by the school. If the total monthly repayment rate on this loan and
any outstanding Federal Perkins loans I may have is less than the minimum
monthly repayment rate established by the school. the school may still require
a minimum monthly repayment rate. A minimum monthly repayment
amount will combine my obligation on this and all my outstanding Federal
Perkins loans. including those made at other schools. The portion of the
minimum monthly payment that will be applied to this loan will be the
difference between the minimum monthly payment and the total amounts
owed at a monthly rate on my other Federal Perkins loans. If each school
holding my outstanding Federal Perkins loans exercises the nninimum 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
[he school. I am entitled to forbearance of principal and interest or principal
only, renewable at intervals up to 12 months for periods that collectively do
not exceed three years. under the following conditions: If my monthly Title IV
loan debt burden equals or exceeds 20% of my total monthly gross income: if
the Secretary authorizes a period of Forbearance due to a national military
mobilization or other national emergency: or if the school determines that I
qualify due to poor health or for other reasons. including service in
AmedCorps. Interest accrues during any period of forbearance.
DEFERMENTS - Upon making a properly documented written request to
the school. I may defer making scheduled installment payments and will not
be liable for any interest that might otherwise accrue 1) during any period that
I arn? 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 Secwcwr : engaged in graduate
or postgraduate 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 riot to exceed clu'ee. Years during which I
am seeking but unahle m find full Little entpb,yrnertn. 3! for a [Wrind nut to
exceed three ;,at; during .vluch I ;tin expenencing err -nnan',ic hardship as
determined by I r h"nl. I an nt.t e!igil rr tar a k ii m.:nt 'Il le serving Ire a
T he .ten- h. - r "Siden r'" ram l .:none .. 1 i•r akiny
scht du'ef ;nsn.rh. .-'.t paY. n..r r d ..:i . t ,•-'aahl. r , .nu't s. '.11x1
n-uF t omz:,::e Iicm,l for a ;l, month f<-rlu.. unmgri ar .I ic.lo.vtnG the;
eqv i.ni -.1, dF: rr.e:r.t pr r!nd r1l:X'b I i'r:
V?;Clil.l.:A h);yIS Lpun "raking a prnpe., ", tkxI.... rod •.v
r.. the sr hn. J. i am emit lerl ua hnce up nr I1101'n of the original F
nnntnmt nl Ih" luerl czm'dicl if I perm"" gualih:tog smite in ll
tit paragraple, A, B, C. D and I: below. Qualifying Service must
after I receive the loan.
A. Teaching • a full-time teacher in a public or other nonprofit i
secondary school, that has been designated by the Secretary in a
the to of section 465(a)(2) of the Act as a school with a I
concenuanon of students from low income families. An official
designated low-income schools is published annually by the Sea
time special education teacher in a public or nonprofit elementa
secondary school system. • a full-time teacher, in a public or orb
elementary or secondary school system, who teaches mathemad
foreign languages. bilingual education, or any other field of expt
determined by the State Departnnent of Education to have a she
qualified teachers in that State.
B. Early Intervention Services • a full-time qualified profession,
early intervention services in a public or other nonprofit prograr
supervision by a lead agency as authorized by section 672(2) of
with Disabilities Education Act. Early Intervention Services are
infants and toddlers with disabilities.
C. Law Enforcement or Corrections Officer • a full-time law e,
officer for an eligible local. State. or Federal law enforcement ag,
full-time toreadors officer for an eligible local. State, or Federa
agency.
D. Nurse or Medical Technician • a full-time nurse providing I
services: or • a full-time medical technician providing health car
E. Child or Femiiv Service Agency • a full-time employee of an
or private nom profit child nr family service agency who is provi
supervising the provision of services to high-risk children who a
income communities and the families of such children.
Cancellation Rates - For each completed year of service under f
B. C, D and F a portion of this loan will be canceled at the folic
• 15% of the original principal loan amount for each of the fuss
years. • 20% of the original principal loan amount for each of d
and fourth ye as: and • 30% of the original principal loan amot
year.
F. Head Start Cancellation - Upon making a properly documer
request to the school, I am entitled to have up to 100% of the c
principal loan amount canceled for qualifying service perfornec
the loan as: • a full-time staff member in the educational comfit
Head Start program which is operated for a period comparable
year and which pays a salary comparable to an employee of the
tional agency.
Cancellation Rate For each completed year of service under a
Cancellation provision, this loan will be canceled at the rate of I
original principal loan amount.
G. Military Cancellation Upon making a properly document,
request to the school, I am entitled to have up to 50% of the fir
of this loan canceled for qualifying service performed after I re,
as: • a member of the Armed Forces of the United States in an t
hostilities that qualifies for special pay under section 310 of Titl
United States Cade.
Cancellation Rate - For each completed year of service under it
Cancellation provision, this loan will be canceled at the rate of
original principal loan amount.
H. Volunteer Service Cancellation - Upon making a properly c
written request to the school. I am entitled to have up to 70%,
principal loan amount of this loan canceled for qualifying sem.
after I received the loan as: • a volunteer under the Peace Corps
volunteer under the Domestic Volunteer Service Act of 1973 (?
programs).
Cancellation Rate For each completed year of service under t
Service Cancellation provision, a poniurlof this loan will be ca
following rates;
15% of the original principal Iran inv)um for each of the fin
12 n "dull "'ludS of ee rvicr. and • 2p"o of the ),lgw,i pfinC.p
lur cam h 01111, Ihlrd and i . 0. 1? r.wnlh lierinds of •. race.
! I)eatlr end Uuahilit' Cunt ell,tnun In he event ^f n, it
-ill cane-rl the total en t r.[ n:ul cr - !s I, ra.:-! h, corn, pr:
totally di5ah eel afrr ! receive Thi, Ivan. the school .v,it caned t
..mI r.n rhi, Iran
Account ;Number 00273-000-00-3286-09
Name of Borrower Marcia M^Kniff
Address
ANNUAL PERCENTAGE
RATE
The cost of your
credit as a yearly
rate.
Prior to
repayment
0
During
repayment
5 7.
AMOUNT FINANCED
The amount of
cred:!t provided
to you.
2,000.00
Itemization of the Amount Financed: $ 2,000.00 -Amount given directly o you.l
Late Charge
Prepayment
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 i
this loan is payable bimonthly, $6.00 for each late payment
if this loan is payable quarterly.
If you pay off early, you will not have to pay a penalty.
See your promissory note for any additional information about nonpayment,
fault, any required repayment in full before the scheduled date, and pre-
payment.
'ME BORROWER AGZNOWLEDGES RECEIPT OF AN EXACT COPY OF THIS STATE:ENT.
STUDENT INSTITUTIONAL
BORROWER -2c 1,1 RE?RESENTATIVE ,
DAr.._ DATE-
de-
VERIFICATION
I, THOMAS MEYER, Assistant Treasurer of Dickinson College, acknowledge that I have
the authority to execute this Verification on behalf of Dickinson College and certify that the
foregoing Complaint is based upon information which has been gathered by my counsel in the
preparation of this lawsuit. The language of this Complaint is that of counsel and not my own. I
have read the document and to the extent that this Complaint is based upon information which I ha e
given to my counsel, it is true and correct and to the best of my knowledge, information and belief.
To the extent that the content of this Complaint is that of counsel, I have relied upon counsel in
making this Verification.
This statement and Verification are made subject to the penalties of 18 Pa. C.S. § 4904
relating to unsworn falsification to authorities, which provides that if I knowingly make fal C
averments, I may be subject to criminal penalties.
Dickinson College
Thomas Meyer
Assistant Treasurer rckinson College
Dated: ')
F:\FI LES\DATAFILE\Dickinsan College X619\DickinsonCalkgeColkaions1619QDocunan64 HS.co.
0
?-
r<
?
? -
?.
!
';
)
;, -ri
_ ?'
VJ
F TILES\ ATAFILEOckinson College ]619\ ckimmColleg ollcctions]61?ummU\185.Otn2/ma
Cre d'. 10/10/02024650PM
Re,ns , 11/05/03 0336:05 PM
7619c 185
DICKINSON COLLEGE,
Plaintiff
V.
MARCIA McKNIFF,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-3284
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
I hereby certify that a copy ofthe Complaint was mailed to Marcia McKniff, 260010` Street,
#437, Berkeley, California 94710, on October 27, 2003, by certified mail, restricted delivery, return
receipt requested.
Attached is the Post Office return receipt signed and dated October 30, 2003, and a copy of
the receipt showing the cost of service was $8.61.
MARTSON
WILLIAMS & OTTO
David R. Galloway, Esquire
I.D. No. 87326
Ten East High Street
Carlisle, PA 17013-3093
(717) 243-3341
Date: November 6, 2003 Attorneys for Plaintiff
¦ Complete items 1, 2, and 3. Also complete
item 4 if tricted Delivery is desired.
¦ Print your lame and address on the reverse
so that we can return the card to you.
¦ Attach W card to the back of the mailpiece,
or on the nt if space permits.
1 Artic Atld seed to:
,2Goo ??.? ?y3>
2. Article Number
MOnsler frOM service lebeg
PS Form 3811, August 2001
_. 1.
A.
D. Is delivery address different
If YES, enter delivery addn
OCAg0M
0 Addrs
C.
0 No
IS. Service Type '
Certified Mall 0 Express Mail
Registered 0 Return Receipt for Merchandise
0 Insured Mail 0 C.O.D.
4. Restricted Delivery? (Extra Fee) ye,
7aT]1 1140 0003 2518 8850
Domestic Return Receipt
C3
to
CO
BERkELEY'CA 04716
cc 1
Postage $ 31.06
rU Certified Fee
M Return Receipt Fee ppp??n oys?tmad
0 (Sadomement Required) as
Restricted Delivery Fee 33. ?? l?Cf
0 (Endorsement Required)
0 Total Postage a Fees $ 58.61 4Q/77/20? ?.
? sent To
-.=-u --- ------------------------
a Sfroef, Apt. No.;
O or PO Box No.
I.L000 ---G..L.., ......................................
r.., aN, stet fP+ ?7 7??1 "Sa2o?
.rr rt
102595-02-M-1035
CERTIFICATE OF SERVICE
I, Marti Iben, an authorized agent ofMartson Deardorff Williams & Otto, hereby certify that
a copy of the foregoing Praecipe was served this date by depositing same in the Post Office at
Carlisle, PA, first class mail, postage prepaid, addressed as follows:
Marcia McKniff
2600 100' Street #437
Berkeley, CA 94710-2522
MARTSON DEARDORFF WILLIAMS & OTTO
By
Marti fb
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Dated: November 6, 2003
;RFR T
i7
?
CJI K
ANNETTE VAOW,
Plaintiff
V.
ROBERT VAOW,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2002-3284 CIVIL TERM
CIVIL ACTION - LAW
IN DIVORCE
AFFIDAVIT OF CONSENT
1. A complaint in divorce under §3301(c) of the Divorce Code was filed on July 11,
2002.
2. The marriage of the Plaintiff and Defendant is irretrievably broken and ninety
(90) days have elapsed from the date of filing and service of the Complaint.
3. I consent to the entry of a Final Decree of Divorce after service of notice of
intention to request entry of the Decree.
I verify that the statements made in this affidavit are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S. § 4909 relating to unswom
falsification/ to authorities.
Date: p kh l
ANNETTE VAOW, Plaintiff
WAIVER OF NOTICE OF INTENTION TO REQUEST ENTRY OF A DIVORCE
DECREE UNDER §3301(c) OF THE DIVORCE CODE
1. I consent to the entry of a Final Decree in Divorce without notice.
2. I understand that I may lose rights concerning alimony, division of property,
lawyer's fees or expenses if I do not claim them before a divorce is granted.
3. I understand that I will not be divorced until a Divorce Decree is entered by the
Court and a copy of the Decree will be sent to me immediately after it is filed with the
Prothonotary.
I verify that the statements made in this affidavit are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S. § 4909 relating to unswom
falsification to authorities.
Date: I I ` ?,L,5 'l -3
-l.d L
uuk
ANNETTE VAOW, Plaintiff
1\10V
zs ,zao3
ANNETTE VAOW,
Plaintiff
V.
ROBERT VAOW,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2002-3284 CIVIL TERM
CIVIL ACTION - LAW
IN DIVORCE
AFFIDAVIT OF CONSENT
20021. A complaint in divorce under §3301(c) of the Divorce Code was filed on July 11,
.
2. The marriage of the Plaintiff and Defendant is irretrievably broken and ninety
(90) days have elapsed from the date of filing and service of the Complaint.
3. I consent to the entry of a Final Decree of Divorce after service of notice of
intention to request entry of the Decree.
I verify that the statements made in this affidavit are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S. § 4909 relating to unswom
falsification to authorities.
Date:-If, 4?o
ANNETTE VAOW, Plaintiff
WAIVER OF NOTICE OF INTENTION TO REQUEST ENTRY OF A DIVORCE
DECREE UNDER §3301(c) OF THE DIVORCE CODE
1. I consent to the entry of a Final Decree in Divorce without notice.
2. I understand that I may lose rights concerning alimony, division of property,
lawyer's fees or expenses if I do not claim them before a divorce is granted.
3. I understand that I will not be divorced until a Divorce Decree is entered by the
Court and a copy of the Decree will be sent to me immediately after it is filed with the
Prothonotary.
I verify that the statements made in this affidavit are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S. § 4909 relating to unswom
falsification to authorities.
Date: [ ? ` 91 ?5 - ()?)_
oatL
ANNETTE VAOW, Plaintiff
A/0 V ZS„zaa3
?'
w
°
,
`?
? ,,, ,'
??
, ?
;,.
r u ??
%'
?c: -o
? r <
-1r
?J {
ANNETTE VAOW, : IN THE COURT OF COMMON PLEAS OF
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
V. : NO. 2002-3284 CIVIL TERM
ROBERT VAOW, : CIVIL ACTION - LAW
PRAECIPE TO TRANSMIT RECORD
TO THE PROTHONOTARY:
Transmit the record, together with the following information, to the Court for entry of a
divorce decree:
1. Ground for divorce: irretrievable breakdown under § 3301(c) of the Divorce
Code. (Strike out inapplicable section).
2. Date and manner of service of the Complaint. Service was made on July 17, 2002 by
certified mail, restricted delivery to Defendant, Robert Vaow.
3. (Complete either paragraph (a), or (b).)
(a) Date of execution of the Affidavit of Consent required by § 3301(c) of the Divorce
Code: by the Plaintiff: November 23,2003; by the Defendant: August 29, 2003.
(b) (1) Date of execution of the Plaintiffs Affidavit required by § 3301(d) of the Divorce
Code:
(2) Date of service of the Plaintiffs Affidavit upon the Defendant:
4. Related claims pending: none
5. (Complete either (a) or (b);
(a) Date and manner of service of the Notice of Intention to File Praecipe to Transmit
Record, and a copy of which is attached:
(b) Date of execution of the Waiver of Notice of Intention to File Divorce Decree as
required by § 3301(c) of the Divorce Code: by the Plaintiff: November 23, 2003; by the
Defendant: August 29, 2003.
Date: December 11, 2003
S. Diehl, Esquire
for Plaintiff
ca ? o
.?
y
?-,
_ r- ? n? fT1 i.=
t
Cif vp
C7
L
.? L
j
i_
- r?
?}
?
y
I IIILSUKFAFILEAD k'ssonCNl,g b1 -AinronC II LCoIImliora"/tI IC'{ 195 ,.,3
Creolcd. 0/10/01024650 PM
R1011d. 0120/04 08 45.05 A.A1
71,19, 181
IN THE COURT OF COMMON PLEAS OF
DICKINSON COLLEGE,
Plaintiff
V.
MARCIA McKNIFF,
Defendant
TO THE PROTHONOTARY:
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-3284
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
PRAECIPE
Enter default judgment in the above-captioned action in favor of Plaintiff and against
Defendant in the amount of $7,310.70 plus interest from April 3, 2003 in the amount of $280.32,
collection and attorneys' fees in the amount of $1,200.00 for a total of $8,791.02, plus costs of suit
and interest from date of judgment as per the Notes attached to the Complaint 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 January 6, 2004, which date
was subsequent to the date default occurred and at least ten (10) days prior to the date of the
Praecipe.
MARTSON, DEARDORFF, WILLIAMS & OTTO
B
David R. Galloway, ui e
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Attorneys for Plaintiff
Dated: January 20, 2004
DICKINSON COLLEGE,
Plaintiff
V.
MARCIA McKNIFF,
Defendant
TO: MARCIA McKNIFF, DEFENDANT
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-3284
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
NOTICE OF ENTRY OF DEFAULT JUDGMENT
You are hereby notified that on /?/ _, 2004, the following Judgment was entered against
you in the above-captioned case: [I]n t e amount of $7,310.70 plus interest from April 3, 2003 in
the amount of $280.32, collection and attorneys' fees in the amount of $1,200.00 for a total of
$8,791.02, plus costs of suit and interest from date of judgment.
Date: 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. Marcia McKniff
2600 10th Street, #437
Berkeley, CA 94710-2522
17AFl1 InSMATAI'lI ckfnsnn College's 1. ioooColkgeColloaione?nlyClDOwnnmsV NS nm
Cl'eu4J. l,i (14 S?OYM ..
_cvis ll. 11510. >.;Ipm
DICKINSON COLLEGE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
V.
MARCIA McKNIFF,
Defendant
TO: MARCIA McKNIFF, Defendant
NO. 03-3284
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
IMPORTANT NOTICE
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 PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
Telephone:(717) 249-3166
MARTSON DEARDORFF WILLIAMS & OTTO
By
David R. Galloway, Esquire
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Attorneys for Plaintiff
Dated: January 6, 2004
U.S. POSTAL SERVICE CERTIFICATE OF MAILING
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT
PROVIDE FOR INSURANCE-POSTMASTER
Received From: I XS -I
-T;ar? ?QSt?h?ee,l
0131r(<;le., r ' l7cr?
One gece of onliinary mail add essegd lo:
A J./'l?l?(Gtllr?ILxILf?
a-?-
0
0
0
y
r.
r
r s
a
PS Form 3817, January 2001
CERTIFICATE OF SERVICE
I, Marti Iben, an authorized agent of MARTSON DEARDORFF WILLIAMS & OTTO,
hereby certify that a copy of the foregoing Praecipe was served this date by depositing same in the
Post Office at Carlisle, PA, first class snail, postage prepaid, addressed as follows:
Ms. Marcia McKniff
2600 10th Street, #437
Berkeley, CA 94710-2522
MARTSON DEARDORFF WILLIAMS & OTTO
By
'G'(G?S
Marti Then
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Dated: January 20, 2004
/'? _ r?
1? ? ?.
:•.:
?_
? e ? ;4
d ? ;?,
s
? ,. !
? Qw c . ,
MARTSON LAW OFFICES
By: r . /Z
Christopher E. Rice, Esquire
Attorney I.D. No. 90916
Ten East High Street
Carlisle, PA 17013
(717) 243-3341
Attorneys for Plaintiff
FABLES\Clients\7619 Dickinson College\Collections\Cument\185\7619C.185.pra4/mai
Created: 10/10/02 02:46:50 PM
Revised: 12/08/09 03:49:28 PM
7619c.185
DICKINSON COLLEGE,
Plaintiff
V.
MARCIA McKNIFF,
Defendant
TO THE PROTHONOTARY:
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03-3284
CIVIL ACTION-LAW
JURY TRIAL OF TWELVE DEMANDED
PRAECIPE
Please mark the judgment in the above-referenced matter satisfied and the action
discontinued.
Dated: /02 91 &49
CERTIFICATE OF SERVICE
I, Mary M. Price, an authorized agent of MARTSON LAW OFFICES, hereby certify that a
copy of the foregoing Praecipe was served this date by depositing same in the Post Office at Carlisle,
PA, first class mail, postage prepaid, addressed as follows:
Alisa Katz Campbell, Esquire
7 Cabot Place, Suite 1
Stoughton, MA 02072
MARTSON LAW OFFICES
B
Y
teasi Price
High Street
Carlisle, PA 17013
(717) 243-3341
Dated: OQ
r1?G'-l.%i"f ?t1C
2009 DEC -9 AM (i r 5 7
Gt,m"L. i liutt :3ji-S?UJN? Y