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H H S Department of Health and Human Services
Health Resources and Services Administration
Health Professions

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Health Education Assistance Loan Policy Memoranda by Category

Please note: The following is not a complete listing of HEAL policies. Policies that have been superseded or are otherwise outdated are not included.

On this page:

General | Interest Rate | Claims | Bankruptcy | Judgment |
Unable to Serve | Low Balance | Skip | Disability | Data Submission |
Forms | Forbearance | Deferment | Refinancing | School Default Rate |
Lender | Lender Audit | Exceptional Performance Standard |
Pre-claims Assistance | Default Prevention | Loan | School

 

POLICY NO.SUBJECT
 General
L-1999-2Legislative Amendments (PDF - 12 pages)
L-1993-1Legislative Amendments (PDF - 16 pages)
L-1988-17Public Law Amendments (PDF - 28 pages)
 Interest Rate
L-2012-04Maximum HEAL Interest Rates for the Quarter Ending December 31, 2012 Lender Policy Memorandum (PDF - 2 pages)
L-2012-03Maximum HEAL Interest Rates for the Quarter Ending September 30, 2012 Lender Policy Memorandum (PDF - 2 pages)
L-2012-02Maximum HEAL Interest Rates for the Quarter Ending June 30, 2012 Lender Policy Memorandum (PDF - 2 pages)
L-2012-01Maximum HEAL Interest Rates for the Quarter Ending March 31, 2012 Lender Policy Memorandum (PDF - 2 pages)
L-2011-04Maximum HEAL Interest Rates for the Quarter Ending December 31, 2011 Lender Policy Memorandum (PDF - 2 pages)
L-2011-03Maximum HEAL Interest Rates for the Quarter Ending September 30, 2011 Lender Policy Memorandum (PDF - 2 pages)
L-2011-02Maximum HEAL Interest Rates for the Quarter Ending June 30, 2011 Lender Policy Memorandum (PDF - 2 pages)
L-2011-01Maximum HEAL Interest Rates for the Quarter Ending March 31, 2011 Lender Policy Memorandum(PDF - 2 pages)
L-2010-04Maximum HEAL Interest Rates for the Quarter Ending December 31, 2010 Lender Policy Memorandum (PDF - 2 pages)
L-2010-03Maximum HEAL Interest Rates for the Quarter Ending September 30, 2010 Lender Policy Memorandum(PDF - 2 pages)
L-2010-02Maximum HEAL Interest Rates for the Quarter Ending June 30, 2010 Lender Policy Memorandum (PDF - 2 pages)
L-2010-01Maximum HEAL Interest Rates for the Quarter Ending March 31, 2010 Lender Policy Memorandum (PDF - 2 pages)
L-2009-01Maximum HEAL Interest Rates for the Quarter Ending March 31, 2009 (PDF - 2 pages)
L-2008-05Maximum HEAL Interest Rates for the Quarter Ending September 30, 2008 (PDF - 2 pages)
L-2008-03Maximum HEAL Interest Rates for the Quarter Ending June 30, 2008 (PDF - 2 pages)
L-2008-01Revised -Maximum HEAL Interest Rates for the Quarter Ending March 31, 2008 (PDF - 2 pages)
L-2007-07Maximum HEAL Interest Rates for the Quarter Ending December 31, 2007 (PDF - 2 pages)
L-2007-06Maximum HEAL Interest Rates for the Quarter Ending September 30, 2007 (PDF - 2 pages)
L-2007-04Maximum HEAL Interest Rates for the Quarter Ending June 30, 2007 (PDF - 2 pages)
L-2007-03Maximum HEAL Interest Rates for the Quarter Ending March 31, 2007 (PDF - 2 pages)
L-2006-08Maximum HEAL Interest Rates for the Quarter Ending December 31, 2006 (PDF - 2 pages)
L-2006-07Maximum HEAL Interest Rates for the Quarter Ending September 30, 2006 (PDF - 2 pages)
L-2006-05Maximum HEAL Interest Rates for the Quarter Ending June 30, 2006 (PDF - 2 pages)
L-2006-04Maximum HEAL Interest Rates for the Quarter Ending March 31, 2006 (PDF - 2 pages)
L-2005-09Maximum HEAL Interest Rates for the Quarter Ending December 31, 2005 (PDF - 2 pages)
L-2005-07Maximum HEAL Interest Rates for the Quarter Ending September 30, 2005 (PDF - 2 pages)
L-2005-06Maximum HEAL Interest Rates for the Quarter Ending June 30, 2005 (PDF - 2 pages)
L-2005-03Maximum HEAL Interest Rates for the Quarter Ending March 31, 2005 (PDF - 2 page)
L-2004-10Maximum HEAL Interest Rates for the Quarter Ending December 31, 2004 (PDF - 2 pages)
L-2004-8Maximum HEAL Interest Rates for the Quarter Ending September 30, 2004 (PDF - 2 pages)
L-2004-7Maximum HEAL Interest Rates for the Quarter Ending June 30, 2004 (PDF - 2 pages)
L-2004-1Maximum HEAL Interest Rates for the Quarter Ending March 31, 2004 (PDF - 2 pages)
L-2003-8 
L-2003-6
L-2003-4 
L-2003-2
L-2002-9
L-2002-7
L-2002-4
L-2002-1
L-2001-10
L-2001-08
L-2001-05
L-2001-02
Quarterly Interest Rate (PDF - 3 pages)
L-2000-12
Quarterly Interest Rate (PDF - 2 pages)
L-2000-9
Quarterly Interest Rate (PDF - 2 pages)
L-2000-5Quarterly Interest Rate (PDF - 2 pages)
L-2000-2Quarterly Interest Rate (PDF - 2 pages)
L-1999-11Interest Rate (PDF - 2 pages)
L-1999-9Interest Rate (PDF - 2 pages)
L-1999-7Interest Rate (PDF - 2 pages)
L-1999-3Interest Rate (PDF - 2 pages)
L-1998-18Interest Rate (PDF - 2 pages)
L-1998-16Interest Rate (PDF - 2 pages)
L-1998-9Interest Rate (PDF - 2 pages)
L-1998-4Interest Rate (PDF - 2 pages)
L-1997-9Interest Rate (PDF - 2 pages)
L-1997-6Interest Rate (PDF - 2 pages)
L-1997-4Interest Rate (PDF - 2 pages)
L-1997-1Interest Rate (PDF - 2 pages)
L-1996-16Interest Rate (PDF - 2 pages)
L-1996-14Interest Rate (PDF - 2 pages)
L-1996-4Interest Rate (PDF - 5 pages)
L-1994-21Interest Rate (PDF - 4 pages)
05/13/80Interest Charged on Paid-In-Full Loans (PDF - 1 page)
08/22/79Revision to Reporting 'APR' on Promissory Notes (PDF - 3 pages)
 Claims
L-2006-02Evidence of Disbursement (PDF - 1 page)
L-2003-1
HEAL Claim Review Process (PDF - 54 pages)
L-2001-06
L-1997-8Repurchase and Claims and Supplemental Claims (PDF - 1 page)
L-1989-11Litigation Clarification Requirements (PDF - 2 page)
L-1989-8Clarification of Litigation Requirements (PDF - 2 pages)
L-1989-4Default and Bankruptcy Procedures (PDF - 3 pages)
L-1988-17Public Law Amendments (PDF - 4 pages)
L-1995-4Electronic Funds Transfer (PDF - 4 pages)
L-1989-10Fair Debt Collection Act; Applicability (PDF - 2 pages)
 Bankruptcy
L-2008-04New Proof of Claim Forms for Bankruptcy Claim Submissions (PDF - 1 page)
L-2004-2HEAL Privacy Requirements - New Bankruptcy Court Privacy Requirements (PDF - 1 page)
L-2000-1Chap 11 & 13 Bankruptcy Proceeding (PDF - 2 pages)
L-1999-2Legislative Amendments (PDF - 12 pages)
L-1998-6Bankruptcy Chapter 11 Chapter 13 (PDF - 1 page)
L-1993-12Legislative Amendments (PDF - 8 pages)
L-1991-5Proof of Claim and Transfer of Ownership (PDF - 3 pages)
L-1991-4Chapter 7 Procedures (PDF - 2 pages)
L-1989-13Bankruptcy Filing Procedures (PDF - 4 pages)
L-1989-4Default and Bankruptcy Procedures (PDF - 3 pages)
 Judgment
L-2006-06Assignment of Judgment on Defaulted HEAL Loans (PDF - 2 pages)
L-2005-05Assignment of Judgments on Defaulted HEAL Loans (PDF - 2 pages)
L-1998-5Submission of Claims with Judgment (PDF - 1 page)
L-1998-2Judgments Secured Against Borrowers (PDF - 1 page)
L-1995-2Judgments; Assignment and Registering (PDF - 2 pages)
L-1990-5Submission of Claims with Judgment (PDF - 2 pages)
L-1989-8Clarification of Litigation Requirements (PDF - 2 pages)
L-1988-7Litigation in Local Courts (PDF - 1 page)
L-1988-4Assignment of Judgment (PDF - 2 pages)
 Unable to Serve
L-1998-10Unable to Serve – Required Documents (PDF - 1 page)
L-1992-8Skip Tracing & Unable to Serve; Read Documents (PDF - 4 page)
 Low Balance
L-2006-01Updated Payment of "Low Balance" Claims (PDF - 1 page)
L-1993-2Low Balance Claims (PDF - 1 page)
Skip
L-2002-5
L-1996-12Uninsured Loans and Skip Tracing and Forms (PDF - 5 pages)
L-1992-8Skip Tracing & Unable to Serve; Read Documents (PDF - 4 pages)
L-1987-3Borrower Loan Status and Skip Tracing (PDF - 6 pages)
 Disability
L-2003-7
L-1998-13Disability – Total and Permanent (PDF - 2 pages)
L-1996-8Disability – Total and Permanent (PDF - 2 pages)
L-1995-10Disability – Permanent and Total (PDF - 10 pages)
 Data Submission
L-2008-02New HEAL Online Processing System Dataset Submission Requirements (PDF - 2 pages)
L-2005-04Amendment to L-2005-1: HEAL Borrower Loan Status (BLS) Update Process and the Lender's Report on Health Education Assistance Loans (HEAL) and Amendment to L-2002-2: Revised HEAL Borrower Loan Status (BLS) Error Messages and File Specifications; Amendment to Lender Policy Memorandum L-2001-1 (PDF - 17 pages)
L-2005-01HEAL Borrower Loan Status (BLS) Update Process and the Lender's Report on Health Education Assistance Loans (HEAL) (PDF - 1 page)
L-2004-6Required Submission Date Change for September 30th Status Data Sets and Lender's Quarterly Report of Loans Outstanding (PDF - 1 page)
L-2004-4Borrower Loan Status Data Accuracy and Review of HEAL Borrower Loan Status Business Rules and Error Messages (PDF - 1 page)
L-2004-3Litigation Dataset Accuracy and Review of HEAL Litigation Business Rules and Error Messages (PDF - 1 page)
L-2002-8
L-2002-2
L-2001-06
L-2001-01
L-2000-11
L-1998-17Y2K – Model 204 to Oracle (PDF - 28 pages)
L-1998-15Borrower Loan Status; Amend. to Policy Memo (PDF - 1 page)
L-1998-14Y2K – Data Submission Requirements (PDF - 1 page)
L-1998-8Borrower Loan Status; Amendment to Loan Status (PDF - 1 page)
L-1998-3Borrower Loan Status and Refinancing and Forms (PDF - 16 pages)
L-1997-7Borrower Loan Status (PDF - 13 pages)
L-1995-17Litigation Tape Submission (PDF - 4 pages)
L-1995-14Disbursement – 75 Day Time Limit for Insuring (PDF - 2 pages)
L-1993-8Application & Manifest Editing Criteria (PDF - 11 page)
L-1995-1Application and Manifest Data Editing (PDF - 39 pages)
L-1992-5Application & Manifest Editing Criteria (PDF - 15 pages)
L-1990-1Correction to Application & Disbursement (PDF - 1 page)
L-1989-11Litigation Clarification Requirements (PDF - 2 pages)
L-1989-8Clarification of Litigation Requirements (PDF - 2 pages)
 Forms
L-2007-02Newly Issued Repayment Schedule (Variable Rate) HRSA Form 502-1, Repayment Schedule (Fixed Rate) Form 502-2 and Holder's Report on Health Education Assistance Loans HRSA Form 512 (PDF - 1 page)
L-2007-01Newly Issued Borrower Deferment Form HRSA 508 and Lender Contract Application HRSA 504 (PDF - 1 page)
L-2006-03Newly Issued Lenders Application for Insurance Claim HRSA Form 510 and Request for Collection Assistance HRSA Form 513 (PDF - 1 page)
L-2005-02Health Eduction Assistance Loan (HEAL) Forms (PDF - 1 page)
L-2003-5HEAL Repayment Schedule, HRSA Form 502 (PDF - 2 pages)
L-2001-04
L-1998-11Refinancing Application/Promissory Note (PDF - 2 pages)
L-1998-3Borrower Loan Status and Refinancing and Forms (PDF - 16 pages)
L-1996-12Uninsured Loans and Skip Tracing and Forms (PDF - 5 pages)
L-1995-18Application for Students (PDF - 1 page)
L-1995-3Deferment Status and New Forms (PDF - 4 pages)
L-1994-20Forms – Beyond Expiration Data (PDF - 1 page)
L-1993-11Application Form Beyond Expiration Date (PDF - 1 page)
L-1993-3Forms (PDF - 2 pages)
L-1990-6Application Correction (PDF - 2 pages)
L-1990-4Application Revised (PDF - 5 pages)
L-1990-3Travel Costs Reimbursement (PDF - 2 pages)
L-1990-2Application Extension (PDF - 1 page)
L-1989-16Application Extension (PDF - 1 page)
L-1988-14HEAL Forms Extension (PDF - 1 page)
L-1988-8HEAL Forms Extension (PDF - 1 page)
L-1987-3Borrower Loan Status and Skip Tracing (PDF - 6 pages)
09/15/87Completing the HEAL Student Application (PDF - 5 pages)
03/26/80Borrower Loan Status Deferment Form (PDF - 2 pages)
 Forbearance
L-2005-08Updated "Disaster Relief" Forbearance for HEAL Borrowers (PDF - 1 page)
L-2002-6
L-2001-09
L-2001-07
L-1998-1Administrative Forbearance and Audits (PDF - 2 pages)
L-1996-10Forbearance – Request Beyond 2 Years (PDF - 2 pages)
L-1994-17Forbearance for Service with AmeriCorps (PDF - 2 pages)
L-1994-2Forbearance – Disaster Relief (PDF - 1 page)
L-1994-7Deferment and Extended Forbearance (PDF - 8 pages)
L-1993-13Forbearance; Flood of 1993 in Midwest (PDF - 2 pages)
L-1992-9Forbearance; Hurricane Destruction (PDF - 1 page)
L-1992-7Forbearance; Civil Disturbances (PDF - 2 pages)
L-1990-7Forbearance for Reservists Called to Active Duty (PDF - 1 page)
 Deferment
L-2000-7Guidance on the Use of Clearinghouse for Deferment (PDF - 1 page)
L-1999-2Legislative Amendments (PDF - 12 pages)
L-1995-3Deferment Status and New Forms (PDF - 4 pages)
L-1994-7Deferment and Extended Forbearance (PDF - 8 pages)
L-1993-10Deferment; One Year for Chiropractic Graduates (PDF - 2 pages)
03/26/80Borrower Loan Status Deferment Form (PDF - 2 pages)
08/22/79Allowable Deferment for Nonstudent Borrowers (PDF - 2 pages)
 Refinancing
L-2004-9Termination of HEAL Refinancing Program – September 30, 2004 (PDF - 1 page)
L-1999-2Legislative Amendments (PDF - 12 pages)
L-1998-3Borrower Loan Status and Refinancing and Forms (PDF - 16 pages)
L-1995-11Refinancing & Reimbursement; Lender Verification (PDF - 11 pages)
L-1995-7Refinancing – Announcement (PDF - 2 pages)
L-1994-12Refinancing; HEAL-To-HEAL Consolidation (PDF - 2 pages)
L-1994-9Refinancing Process (PDF - 4 pages)
L-1994-8Refinancing and Borrower Loan Status (PDF - 1 page)
L-1994-6Refinancing (PDF - 2 pages)
L-1994-3Refinancing Announcement (PDF - 2 pages)
L-1993-14Refinancing; HEAL-To-HEAL Consolidation (PDF - 16 pages)
 School Default Rate
L-2004-5Fiscal Year 2004 HEAL School Default Rate (PDF - 6 pages)
L-2003-3Default Rate FY 2003 (PDF - 7 pages)
L-2002-3
Default Rate FY 2002 (PDF - 7 pages)
L-2001-03
L-1998-7Premium Rates (PDF - 1 page)
L-1996-2Termination of Schools (PDF - 2 pages)
L-1995-12Premium Rates (PDF - 1 page)
L-1993-9School Default Rates (PDF - 2 pages)
L-1990-1Correction to Application & Disbursement (PDF - 1 page)
L-1988-17Public Law Amendments (PDF - 4 pages)
L-1989-9Late Fee Charges (PDF - 2 pages)
 Lender 
L-2001-04
L-1989-12Summary of HEAL Program Review Findings (PDF - 7 pages)
05/21/79Right to Financial Privacy Right Act of 1978 (PDF - 2 pages)
 Lender Audit
L-1989-2Audit (PDF - 1 page)
L-1988-19Biennial Audit of HEAL Program (PDF - 2 pages)
L-1988-9Audit and Litigation; NPRM (PDF - 1 page)
L-1988-5Audit Guidelines Dissemination (PDF - 6 pages)
 Exceptional Performance Standard
L-2000-10
L-2000-4Exceptional Performance Standard Audit Guideline (PDF - 53 pages)
L-1999-10Exceptional Performance and HEAL Forms Web Site (PDF - 2 pages)
L-1999-6Exceptional Performance Standard (PDF - 2 pages)
L-1999-2Legislative Amendments (PDF - 12 pages)
 Pre-Claims Assistance
L-2000-8
L-1999-5Preclaims Assistance (PDF - 1 page)
L-1998-12Preclaims Assistance (PDF - 1 page)
L-1987-2Preclaims Assistance (PDF - 1 page)
 Default Prevention
L-2000-6Default Prevention Activities (PDF - 1 page)
L-1988-22Defaulter Survey (PDF - 2 pages)
 Loan
L-2000-3Minimum Annual Payments By Borrowers (PDF - 2 pages)
L-1997-5Insurance Auth. Allocations; Lender Contracts (PDF - 10 pages)
L-1997-3Insurance Auth. Allocations; Lender & Disciplines (PDF - 9 pages)
L-1996-15Electronic Funds Transfer (PDF - 3 pages)
L-1996-13Insurance Authority Allocations (PDF - 8 pages)
L-1996-12Uninsured Loans and Skip Tracing and Forms (PDF - 5 pages)
L-1996-6Insurance Authority Allocations (PDF - 13 pages)
L-1996-5Continuing Borrower; Definition (PDF - 2 pages)
L-1996-3Applicat. & Disbursement; Multiple Disbursements (PDF - 2 pages)
L-1996-1Appropriations and Operations; Legislation (PDF - 8 pages)
L-1995-15Resident Alien Card; Requirement Changes (PDF - 4 pages)
L-1995-13Electronic Funds Transfer (PDF - 2 pages)
L-1995-8Insurance Authority Allocations (PDF - 8 pages)
L-1995-4Electronic Funds Transfer (PDF - 4 pages)
L-1994-19Creditworthy Criteria (PDF - 4 pages)
L-1994-15Insurance Authority Allocations (PDF - 5 pages)
L-1994-11Insurance Authority Allocations (PDF - 6 pages)
L-1993-18Insurance Authority Allocations (PDF - 2 pages)
L-1993-17Income Contingent Repayment (PDF - 5 pages)
L-1993-8Application & Manifest Editing Criteria (PDF - 11 pages)
L-1993-6Creditworthiness of Cosigner (PDF - 5 pages)
L-1993-4Legislation and Insurance Authority Allocation (PDF - 12 pages)
L-1992-6Disbursement Cancellations and Voids (PDF - 2 pages)
L-1992-4Insurance Premium Checks (PDF - 1 page)
L-1992-1Legislation and Insurance Authority Allocation (PDF - 4 pages)
L-1991-3Multiple Disbursements of HEAL Loans (PDF - 2 pages)
L-1991-1Borrowing Limits (PDF - 2 pages)
L-1990-3Travel Costs Reimbursement (PDF - 2 pages)
L-1989-15Resident Alien Card Changes (PDF - 2 pages)
L-1989-10Fair Debt Collection Act; Applicability (PDF - 2 pages)
L-1989-7Application & Disbursement Processing (PDF - 4 pages)
L-1989-5Report on Loans Outstanding (HRSA 512) (PDF - 1 page)
L-1989-1Borrow Loan Status (PDF - 1 page)
L-1988-17Public Law Amendments (PDF - 4 pages)
L-1988-15Reauthorization of HEAL Program (PDF - 1 page)
L-1988-13Authorization (PDF - 1 page)
L-1988-3Graduated Repayment (PDF - 1 page)
L-1988-2Temporary Alien Status Card (PDF - 1 page)
L-1988-1Combined Payment Plan Instructions (PDF - 4 pages)
L-1987-5Late Conversion to Repayment Status (PDF - 1 page)
L-1987-4Combined Payment Plan (PDF - 9 pages)
07/15/85School Standard Budgets (PDF - 2 pages)
04/17/84HEAL Graduates Between 4/84-6/84; Exit Interview (PDF - 3 pages)
02/09/84Restrictions of Loans after Graduation (PDF - 2 pages)
02/04/83Pro-Rating of HEAL Loans (PDF - 1 page)
08/10/82Medical Student Borrowers (PDF - 2 pages)
11/06/81Requirements for Resident Aliens (PDF - 2 pages)
05/22/81Application Deadline for HEAL (PDF - 2 pages)
05/20/80Reporting of Net Cost on Application (PDF - 2 pages)
05/13/80Interest Charged on Paid-In-Full Loans (PDF - 1 page)
03/26/80Borrower Loan Status Deferment Form (PDF - 2 pages)
01/21/80Ineligible Dental Students in Advanced Courses (PDF - 2 pages)
08/22/79Allowable Deferment for Nonstudent Borrowers (PDF - 2 pages)
08/22/79Revision to Reporting 'APR' on Promissory Notes (PDF - 3 pages)
07/01/79Equivalent Degrees for Pharmacy (PDF - 2 pages)
05/14/79Reporting 'APR' on Promissory Notes (PDF - 3 pages)
03/19/79Ineligibility of Fifth Pathway Students (PDF - 1 page)
 School
L-1993-7Schools – Termination (PDF - 2 pages)
L-1990-3Travel Costs Reimbursement (PDF - 2 pages)
L-1989-10Fair Debt Collection Act; Applicability (PDF - 2 pages)
L-1989-6Schools; Institutional Eligibility List (PDF - 1 page)
10/24/78School Identification Numbers  (PDF - 1 page)
Contact HEAL

1-877-411-4325 (1-877-411-HEAL) weekdays 8:30 am to 5 pm ET, except Federal holidays