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The William D. Ford Federal Direct Loan Program (also called FDLP, FDSLP, and Direct Loan Program) provides "low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education ... rather than a bank or other financial institution." Following the passage of the Health Care and Education Reconciliation Act of 2010, the Federal Direct Loan Program is the sole government-backed loan program in the United States. Guaranteed loans—loans originated and funded by private lenders but guaranteed by the government—were eliminated because of a perception that they benefited private student loan companies at the expense of taxpayers, but did not help reduce costs for students.〔Michael Simkovic, (Risk-Based Student Loans ) (2013)〕 In 2011, the U.S. Department of Education transferred a large number of loans to the private conglomerate: Nelnet. Nelnet appears to be one of the sources of the many problems experienced in October 2011 with hosted website for a new platform for online servicing of federal student loans formerly handled by the government.〔( ==Political history== Congress passed a pilot version of the Direct Loan program as part of the Reauthorization of the Higher Education Act under President George H. W. Bush, Bush Signed it into law on July 23, 1992.〔(【引用サイトリンク】url=http://thomas.loc.gov/cgi-bin/query/z?c102:S.1150: )〕 Under President Bill Clinton the Omnibus Reconciliation Act of 1993 set up a phase in of direct lending.〔(Federal Education Budget Project )〕 Many schools volunteered for the program, but the 104th Congress passed legislation to prevent the switch to 100% direct lending in 1994.〔 Funding for the Federal Direct Student Loan Program decreased from just over $7 billion in 2006 to $509 million budgeted for 2008.〔Department of Education. Budget of the United States Government: Fiscal Year 2008. http://www.gpoaccess.gov/usbudget/fy08/sheets/28_6.xls〕 Under the Obama Administration's new budget, all new loan originations will be under the Direct Loan program by July 2010, netting $6B in annual savings. The bill approving the measure passed the House of Representatives on September 17, 2009. The switch to 100% Direct Lending effective July 1, 2010 was enacted by the Health Care and Education Reconciliation Act of 2010. In comparison, other countries have also experimented with government-sponsored loan programs. New Zealand, for instance, now offers 0% interest loans to students who live in New Zealand for 183 or more consecutive days〔Inland Revenue. ("Interest-free student loans - eligibility and what you need to do (About student loans)." )〕 (retroactive for all former students who had government loans), who can repay their loans based on their income after they graduate.〔Inland Revenue. ("Student loan repayment threshold (Making repayments)." )〕 This program was a Labour Party promise in the 2005 general election. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Federal Direct Student Loan Program」の詳細全文を読む スポンサード リンク
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