The settlor cannot use the registration or vehicle plates of the previous owner. The settlor must apply for a new title certificate and a new vehicle registration. The DMV issues new registration documents, new vehicle plates and a new title certificate to the settlor. The previous owner must transfer [11] or surrender the previous vehicle plates [12].


To apply for the new registration and title certificate , the settlor must bring to a DMV office : Statement of Transaction- Sale or Gift of Motor Vehicle , Trailer , All - Terrain Vehicle ATV , Vessel Boat , or Snowmobile PDF [2] at NY State Department of Tax and Finance DTF-802 that identifies the trust and the settlor the insurance identification card Vehicle Registration / Title Application PDF [13] MV-82 completed and signed by the settlor


describes the trust as a revocable living trust shows the name of the trust shows the names of the settlor, the names of the trustees and the Social Security Number SSN of the settlor if an SSN of the settlor is not available, the settlor can show a New York State driver license with the ID number of the settlors driver license, permit or Non - Driver ID.


Read the DMV brochures, Let the Buyer Be Aware [14], and Q&A About Your Title Certificate [15]. We will not accept certified copies. If the original title was lost or stolen , if you have satisfied a lien on the title or you must order a replacement title [16]. We will not accept certified copies. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership to you. Different states issue different documents for ownership and transfer of older vehicles. Make sure that is the acceptable proof of ownership in the state that issued the document. Different states issue different documents for ownership. Make sure that an out - of - state document is the acceptable proof in the DMV in the state that issued the document. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership. If the original title was lost or stolen , if you have satisfied a lien on the title or you must order a replacement title [16]. If the boat is registered in another state , contact that state to make sure that the proof of ownership you receive is acceptable for that state. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership. 10. If the boat is registered in another state , contact that state to make sure that the proof of ownership is acceptable that state. 11. If the original title was lost or stolen , if you have satisfied a lien on the title or you must order a replacement title [16]. 12. If the trailer is registered in another state , contact that state to make sure that the proof of ownership is acceptable for that state. 13. If any information is altered, erased or changed , the current owner must get a duplicate title certificate and use the duplicate to transfer the ownership. 14. If the trailer is registered in another state , contact that state to make sure that the proof of ownership is acceptable for that state.


Driving school


A driving school is a commercial business authorized by DMV s Bureau of Driver Training Programs to provide driving instruction for hire, which could include behind - the - wheel driving lessons. DMV issues driving school licenses to those qualified to conduct a driving school business. The license must be clearly displayed at the place of business.


Upon meeting certain additional requirements , driving schools may also provide the DMV approved 5-Hour Pre - licensing Course [1] to individuals who want to obtain a driver license


teach the basic 30-hour instructor's course, now known as the, for driving school instructors


Driving school instructor


A driving school instructor is someone who works for a licensed driving school, teaching customers of the school how to drive motor vehicles safely. DMV issues an Instructor Certificate MV-524 to driving schools for instructors once they are certified to teach for the school. The instructor must carry this certificate at all times while driving instructions are given or when accompanying a driver license applicant to the road test site.


Upon meeting certain additional requirements , an instructor may be certified to teach the DMV approved 5-Hour Pre - licensing Course [1] to individuals who want to obtain a driver license.


Requirements for driving schools


A driving school must meet several requirements, which are identified in Commissioner s Regulations Part 76 PDF [2] and Section 394 of the New York State Vehicle and Traffic Law PDF [3], including


an office that is open to the public , and at least 50 square feet of space dedicated to the operation of the driving school business acceptable receipts and contracts acceptable record - keeping


driving school license hours of operation when the office is open to the public that states Applicant must be given a receipt for all payments a sign


the driving school must have at least one certified driving instructor that has at least 1,000 hours of behind - the - wheel instruction experience. See Application for Driving School Instructor Certificate PDF [4] MV-523 for additional information.


a DMV - approved classroom either at the business location or off - site , and at least one certified driving school instructor that is approved to teach the Pre - Licensing Course.


all vehicles used for driving instruction or testing must be reported to DMV using a List of Driving School Vehicles PDF [5] form MV-527. Each vehicle must also be equipped with a Student Driver sign, and dual - control brake and rear - view mirrors for the instructor.


all employees who are not instructors must be reported to DMV using a Personal History PDF [6] form MV-521.1.


if a driving school instructor is terminated , the driving school must notify DMV using a Driving School Instructor Termination Notice PDF [7] form MV-526.


the owner of the driving school must make sure that all advertisements printed, electronic or otherwise for the school comply with Section 76.21 of the Commissioner s Regulations PDF [2].


If your business is approved as a driving school , DMV may conduct periodical inspections and audits to make sure you are following these requirements. You must also follow all of the rules and regulations of the municipality in which you are operating the driving school business.


Requirements for driving school instructors


A driving school instructor can only be certified when s / he is employed by a licensed driving school. A driving school instructor must meet several requirements, which are identified in Section 76.15 of the Commissioner s Regulations PDF [2], including must be at least 21 years of age


has been valid for at least 2 years preceding application in the class of vehicle that the instructor intends to teach in , and has not been suspended or revoked in the last 2 years shows an acceptable driving record


must have a high school or high school equivalency diploma must pass the required tests, which include


a vision test road sign test written test driving school instructor driving test


Driving school instructors must also complete a course in driver training and traffic safety, approved by the commissioner, consisting of at least 30 hours known as the before the first renewal of their instructor certificate. This 30-hour course is taught by various community colleges and driving schools that have been approved by DMV to provide this course.


A driving school instructor who wants to teach the Pre - licensing Course must also successfully complete a 30-hour Teaching Techniques and Methodology course a college - level course and have at least one year experience as a behind - the - wheel certified driving school instructor.


For additional information , contact DTP at


Does DMV sell driver license and vehicle information to others?


Yes. DMV makes driver license and vehicle registration information available for a fee using three methods: contract sales, pay - per - search and over - the - counter.


Anyone who accesses DMV information must comply with the federal Driver s Privacy Protection Act [1] DPPA. The DPPA was enacted by Congress after a careful debate about why states should be allowed to share DMV data. The DPPA prohibits states from disclosing a driver s personal information to anyone who does not have what the DPPA considers a permissible use.


The DPPA defines personal information as an individual s photograph, social security number, driver identification number, name, address, telephone number and medical information. Information on crashes, driving violations, and driver's status is not considered personal information.


Social security numbers are sold.


1. Contract Sales


In accordance with the federal DPPA and NY State law , DMV sells registration and vehicle data through an open procurement process every two years. The successful bidders cannot use DMV information for any purposes other than those in connection with the issuance of a manufacturer s warranty, safety recall or similar notices important things that keep the public safe. The data can be used for statistical compilations and analysis, which do not contain any personal, identifying information.


The DMV does not permit successful bidders to use the data for surveys, marketing, or solicitations.


DMV collects approximately $2.2 million per year from contract sales.


2. Pay-Per-Search


To access DMV data for legitimate DPPA purposes DMV offers a pay - per - search service. In accordance with NY State law , anyone requesting access using this method must apply to DMV and sign an agreement identifying their permissible use under the DPPA. Upon verification and approval of their application , a search account is established for the requestor. The majority of search account holders are insurance companies, who must rate and monitor drivers, and investigate claims, and employers who are required to monitor their employees driving records. Each search costs $7 and is logged by DMV. Search account holders must have a DPPA permissible use for every search performed , and DMV monitors their compliance through an audit program.


DMV collects approximately $58 million per year from pay - per - search sales.


3. Over-the-counter


Anyone can visit a State or County DMV office to purchase a driver license record as long as the requestor provides sufficient and specific information that identifies one and only one record, and provides a DPPA permissible use. Each over - the - counter search is $10.


DMV collects approximately $3.0 million per year from over - the - counter sales.


The benefits of sharing DMV information


The DMV information shared with bus companies, employers, insurance companies, researchers, and motor vehicle manufacturers, through each of the three sharing methods, makes our lives safer and more convenient. If this information were not made available traffic safety and commerce would be negatively impacted. A few examples of how DMV s information sharing programs benefit all of us are provided below.


School Bus Drivers


School districts and private school bus companies are required to know about their drivers driving history before they hire them to transport children and other passengers. Access to DMV information enables school bus companies to make informed decisions about whom to hire. Once hired , DMV requires bus operators to conduct regular searches of their drivers records to confirm nothing negative happens during their employment that would impact their ability to safely continue to drive school buses.


Hazardous Materials Drivers


This same scenario applies to businesses transporting hazardous materials. All of us want to know the driver of a vehicle hauling dangerous materials is qualified to drive, properly trained, and possesses a valid Commercial Driver License CDL. NY State laws require hazardous material companies to only hire and employ drivers who are qualified and have valid licenses. Employers must regularly obtain their employees license records from DMV.


Insurance Companies


When you are shopping for automobile insurance on - line , you expect a rate quote within minutes. Insurance companies are able to provide this convenient service because they have direct pay - per - search access to DMV information. They check your driving history to issue an immediate rate quote. If companies could not conduct these searches , insurance companies would require you to purchase your driver record and send it to them before issuing you a quote. This practice would make it more difficult for customers to shop for affordable rates, and could increase the potential for fraudulently altered or unreliable driver records.


Motor Vehicle Manufacturers


Purchasing a used car does not automatically register you as an owner of that vehicle with the manufacturer. Manufacturers rely on DMV s contract sales program to find and notify current owners of vehicles affected by safety recalls. Recalls do not only jeopardize the safety of the owner / operator of the affected vehicle , they could also affect the safety of every other person sharing the road with that potentially unsafe vehicle.


These are just a few examples of how DMV s information sharing programs are critical to improving public safety and making everyone s life more convenient.


When DMV creates a LENS roster , we issue a personal user ID and password to the applicant. If your organization has more than one person who may use LENS , we will gladly issue additional user IDs. Every LENS user may, and should, have their own personal logon. Please do not share your logon or password with others.


How do I add a user?


To get an additional user ID , please email us at [email protected] [2] with all of the following your 5-digit LENS roster number the user s NY State Driver license / non - driver ID number 1 the user's full name the business name the user's business address the user s business telephone number the user s business email address


We will then send the user ID to the user s business email address, and mail the password to the user s personal license / ID mailing address.


The password is the only LENS information that we ever send to a user s personal mailing address. We will not send a password to an office address.


How do I remove a user?


If a LENS user leaves your organization you can remove them by completing the following steps : log on to LENS visit the LENS Main Menu and select Customer Information select User Profile Maintenance click Search to list all of your LENS users find the departing user and check the corresponding Remove box. Click Process.


If a LENS user leaves your organization and you cannot log in to LENS , please email us at [email protected] [2]. Identify the user and your LENS customer number. We will disable the departed user s access to your LENS roster.


How do I change users?


If someone is taking on another user s duties , follow the instructions in the topic above for requesting additional user IDs. Do not share the former user s ID and password with the new user. We will not provide support to any person who is using another person s user ID. We may revoke shared user IDs upon discovery.


Register for LENS [3 ]


Log in to LENS [1 ] If the license / ID is from another state , send : state, name, address, ID number and expiration date.


The death of a family member can be a busy and difficult time. When someone dies , they often leave outstanding issues that need to be resolved. On this page , you ll find information that will help you take care of any issues with the deceased individual s driver s license and vehicle registration and title.


Driver license, permit, and ID


Plate surrender and registration refund


It may be possible to request a refund of the deceased individual s registration fee. DMV will issue the refund to the name of the estate. To request a refund surrender the vehicle plates at a DMV office and request a transfer receipt, not a refund receipt have the executor of the deceased's estate send these items to the address listed on the request for refund


completed and signed Request for Refund PDF [1] MV-215, with"deceased " written on the form a photocopy of the death certificate the transfer receipt


If the estate of the registrant is settled , call the DMV Revenue Accounting Unit at


518 - 474 - 0902


Transferring ownership of a deceased individual's vehicle


Use this checklist to help you transfer the ownership when the vehicle owner is deceased PDF [2] MV-843.


The DMV has more information on how to transfer ownership of a vehicle if someone is deceased [3].


Overview


The Federal Motor Carrier Safety Administration FMCSA [1] has amended commercial driver license standards. This regulation is referred to as the' CDL Permit Rule' and mandated compliance by July 8 , 2015. The New York State DMV implemened the rules in phases, from April through July of 2015.


We refer to the Commercial Learner Permit as " CLP ", and the Commercial Driver License as " CDL. " The changes are listed in order of implementation by the New York State DMV.


Phase 1 - April 2015


National suspension and revocation screening


When you schedule or update a CDL Skills Test road test appointment , you will not be able to schedule an appointment within the first 14 days from the issuance of the CLP.


The CDL Permit Rule broadens the criteria used during CLP and CDL license applications to check for open suspensions and revocations in other states. New York State will reject any application where a driver has any open suspension or revocation in any state.


Phase 2 - May 2015


Phase 3 - June 2015


The New York State DMV will send CLP holders a notification if their medical certification status becomes " Not Certified. " Once we send the notification , we will cancel the CLP if the CLP holder does not re - certify within 55 days. We can send employers a notification of these status changes if they subscribe to the NY State License Event Notification Service LENS [2]. We will send passenger carriers enrolled in the 19-A system notifications of CLP cancellation events.


Endorsement and restriction changes


New CDL restrictions defined below by the Federal Motor Carrier Safety Administration FMCSA may affect CLP holders when taking a Skills Test in a vehicle without full airbrakes and/or a manual transmission. E - No Manual Transmission Equipped CMV L - No Airbrake Equipped CMV Z - No Full Airbrake Equipped CMV restrictions


If the vehicle used for your skills test has : An automatic transmission , and this is your first road test in a commercial motor vehicle CMV , you will be given an E restriction. No form of airbrakes , and this is your first road test in a CMV , you will be given an L restriction.


If you have a CDL with an L restriction and you test in a vehicle with air over hydraulic brakes , you will be upgraded from an L to a Z restriction.


Also , please note that : CLPs will no longer be issued with the Double / Triple Trailer T endorsement. The T endorsement can be issued only to a driver holding a CDL. CLPs issued with a Passenger P or School Bus S endorsement will automatically get a new federally mandated " No Passengers in CMV Bus " P restriction. CLPs issued with a Tank Vehicles N endorsement will automatically get a federally mandated " No Cargo in CMV Tank Vehicle " X restriction. The P and X restrictions are issued for the CLP only. The CDL that is issued after all required tests have been passed will not have the P or X restrictions.


The CDL Permit Rule added 5 new restrictions, which required New York State to change the letter assigned to existing restrictions.


These restriction changes go into effect June 4 , 2015. We will send drivers a new CLP and/or CDL document with these changes printed on them after their next CLP or CDL application.


Application requirement changes


1) All CLP and CDL transactions, with the exception of replacements (duplicates) will require proof of legal presence in the United States. Drivers who can prove U.S. citizenship or lawful permanent residency will only need to provide this proof on the on or after June 18 , 2015. A record of this verification will be retained on the driver s record. Drivers with temporary visitor status will need to provide proof of legal presence in the U.S. with.


Important : Because the federal regulations require submission of additional proofs in person , drivers cannot renew their CLP and/or CDL by mail.


CLP and CDL documents for drivers who are U.S. citizens or lawful permanent residents i.e., temporary visitors will have the legend NON - DOMICILED printed on documents issued on or after June 18 , 2015. The legend TEMPORARY VISITOR and the expiration date of their legal status documentation will continue to be displayed on the CLP and/or CDL document.


2) For all CLP and CDL transactions, with the exception of replacements, we will require proof of New York State residence. Proof of residence is required every time for all drivers. The DMV Document Guide [3] lists all acceptable legal presence and New York State residence proof documents.


PLEASE NOTE : You must provide us the original documents not photocopies for both requirements above.


Commercial document changes


The following federally mandated changes will be made to commercial documents CL documents will have the warning " VALID ONLY WHEN ACCOMPANIED BY A NYS LICENSE printed on them interim non - photo licenses and permits will only be valid for 60 days from the date they are issued


Phase 4 - July 2015


New revocations


New York State is now required to apply federally mandated commercial suspensions and revocations to CLP holders. Federally mandated commercial suspensions and revocations that affect a driver's commercial privilege will now run consecutive one to follow the other with any other open commercial suspension or revocation on record.


New federally mandated one year commercial revocations will be issued for drivers that are found guilty, or convicted of, falsifying, misrepresenting, or fraud in connection with an application for a CLP / CDL self - certification driving type Medical Examiner's Certificate


The following federally mandated changes will be made to commercial documents CLPs will be valid for only 180 days with one renewal for an additional 180 days, after which the holder will have to apply for a new CLP, including retaking any required knowledge tests New York State will void and return an applicant s current CLP or CDL document when issuing a new CLP / CDL document


Employer responsibilities expanded to CLP


Section 140 of the New York State Transportation Law is amended to provide that no employer will allow an employee to operate a commercial motor vehicle during any period in which the operator does not have a valid CLP or CDL does not have a CLP or CDL with the proper class or endorsement violates any restriction on the CLP or CDL has a suspended, revoked, or disqualified CLP or CDL has more than one CLP or CDL


Reference


Other resources


You can find the 'CDL Permit Rule' in its entirety in 49 CFR Parts 383, 384, and 385 and as posted on the Federal Register (Vol. 76, No. 89 / Monday, May 9, 2011 / Rules and Regulations).


DMV License Event Notification Service LENS [2 ] New York State Vehicle and Traffic Law [4] go to Laws of New York and scroll down to VAT Federal Motor Carrier Safety Administration FMCSA [1 ]


Report a problem with a DMV regulated automotive business[1]


What is a DMV regulated automotive business?


The DMV regulates all repair shops, inspection stations, dealers, junk and salvage vendors, and other automotive related businesses in New York State.


How do I place a complaint against a DMV regulated automotive business?


First , attempt to resolve the issue with the management of the business. Keep a written record of all contacts with management in addition to details about the inspection, repair, or sale. Copies of work orders and invoices are proof of your attempts to resolve the problem.


If a satisfactory resolution is not reached and you wish to file a complaint , you must submit a Vehicle Safety Complaint Report PDF [2] VS-35 along with any supporting documents to the DMV Consumer & Facilities Services Complaint Unit. To submit electronically , download the complaint report available at the link above to your personal device. Attach and then email the completed report as well as any supporting documents to [email protected] [3]. Please note that DMV staff will communicate with you through email.


Complaint UnitBureau of Consumer & Facility ServicesDepartment of Motor VehiclesP.O. Box 2700-ESP , Albany , NY 12220 - 0700FAX : 518 486 - 4102Phone : 1 - 518 - 474 - 8943 between 8:30 a.m. and 4:15 p.m., Monday - Friday Email : [ email protected] [3 ]


IMPORTANT : DMV staff will not investigate a complaint until a completed VS-35 Complaint Report has been received. The department does not investigate complaints that have been filed anonymously. There is a 90-day limit on reporting incidents related to a NYS Repair Shop. We cannot accept complaints against Repair Shops beyond the 90-day limit or 3,000 miles whichever comes first. The DMV cannot resolve disputes over the terms of manufacturer or third party warranties or guarantees. If you feel you have a NYS Lemon Law complaint , please see Lemon Law Complaints [4].Once your complaint has been filed , a Consumer Services Representative CSR from DMV will be assigned to handle your complaint. If the CSR is unable to resolve your complaint , the case will be sent to an Automotive Facilities Inspector for a formal investigation and possibly a hearing. 3Depending on the complaint , this process could take several weeks to several months to resolve. Other related automotive businesses include vehicle dismantlers, salvage pools, mobile car crushers and itinerant vehicle collectors. We cannot take action against a facility unless we can find adequate evidence to substantiate the claim. Additionally , if the facility does not have a current registration , there are limitations on any fines and penalties that may be recovered. For additional information on the investigation and hearing process , please see our What to Expect if You File a Complaint Against a DMV Regulated Business [5]. If you have questions regarding a complaint you placed or the complaint process in general , contact the DMV Complaint Unit at 1 - 518 - 474 - 8943. Office hours are Monday - Friday , 8:15am - 4:15pm.


Contact Us [6 ]


What are personalized plates?


Personalized plates are standard series plates that have a combination of numbers and letters that you select, for an additional fee in addition to your regular vehicle registration fee.


How much do personalized plates cost?


Passenger and Commercial Plates : Initial Cost = $60.00Annual Fee = $31.25


Motorcycle Plates : Initial Cost = $35.00Annual Fee = $18.75


Can I use personalized plates on any type of vehicle?


You can use personalized plates on passenger vehicles, commercial vehicles, motorcycles and trailers.


What can I use for a personalized plate combination?


Your requested plate combination is subject to review. The DMV is not required to issue your requested plate.


The maximum number of characters you can use depends on the plate type you are registering. 2 You can have up to eight characters on a standard series plate six characters on a personalized plate for a motorcycle six characters on a picture plate the state image is available on some personalized plates and counts as a character. See the example [1].


Check if the personalized plate combination you want is available. [2]


What plate combinations are restricted?


Personalized plates that give the appearance of an official plate or the configuration of special registration classes. Combinations that are considered obscene, derogatory or offensive. Combinations that do not have one letter. Combinations that consist of six numbers followed by one letter. Use of the letter " O " between two numbers to make what appears to be a number. Use of the letter " I " as the first or last characters on a plate when the other characters are all numbers. Use of the number zero 0 between two letters to form a word. Use of the number zero 0 and the letter " O " to form a word or number.


Read the DMV regulations for restrictions on personalized plate combinations [3].


Can picture plates be personalized?


Yes. Some picture plates can be personalized for an additional fee in addition to your picture plate and regular registration fee. For personalized plate availability and pricing for the picture plate you are interested in , you can browse our collection of picture plates online. The categories are : I Love NY Adventure [4 ] Sports [5 ] Military and Veterans [6 ] Counties and Regions of NY State [7 ] Colleges , Fraternities , Sororities [8 ] Causes [9 ] Professions [10 ] Organizations [11 ] Motorcycle Plates [12 ]


The annual fee is in addition to your vehicle registration renewal fee and will be paid when you renew your registration. A registration renewal for two years will include two annual fees. A character is a letter A - Z, number 0 - 9 or space. Each space counts as one character. For example , a combination that includes " POLICE " or " NYS " is not allowed. For example , " 2O3 ", " 2OO3 ", or " JAN2OO3 " are not allowed. For example , " I45678 " or " 45678I " are not allowed. For example , " P00L " and " P0LE " are not allowed. For example , " PO0L " or " 2O03 " are not allowed.


A non - exempt diesel - powered motor vehicle may be subject to either the OBDII emissions inspection or the diesel emissions inspection. Additional information about these inspections may be found on the table below.


Emissions Inspections for Diesel-powered Vehicles


Vehicles subject to diesel emissions inspection


All non - exempt diesel - powered vehicles registered in the NYMA or Diesel Emissions Metropolitan Area DEMA some registrations may or may not show they are within DEMA, with a maximum gross weight MGW, as indicated on the vehicle registration certificate, over 8,500 pounds, must get an annual diesel emissions inspection. The diesel emissions inspection must occur at the same time as the annual safety inspection. The DEMA includes the five boroughs of New York City, and Nassau County, Suffolk County, Rockland County, and Westchester County. The model year does not exempt a vehicle from the inspection. Read section 79.2 of the inspection regulations to get information about vehicles that are exempt.


All diesel - powered vehicles registered outside of the Diesel Emissions Metropolitan Area DEMA, with a maximum gross weight MGW over 8,500 pounds, do not require an annual diesel emissions inspection, but may be subject to a random roadside diesel emissions inspection.


All model year 1997 or newer non - exempt diesel - powered vehicles, registered anywhere in New York State, with a gross vehicle weight rating GVWR less than 8,501 pounds, must get an annual OBDII emissions inspection, and are not subject to the diesel emissions inspection.


All model year 1996 or older diesel - powered vehicles, registered anywhere in New York State, with a gross vehicle weight rating GVWR less than 8,501 pounds, are not subject to the OBDII emissions inspection, the low - enhanced emissions inspection, or the diesel emissions inspection.


Diesel Opacity Emissions


The Diesel Opacity Emissions inspection is not required in other areas of NY State, or for vehicles register out - of - state. However , the NY State Department of Environmental Conservation, the NY State Department of Transportation, or the NY State Police can test any diesel - powered vehicle that has a MGW of more than 8,500 lbs. at any roadside inspection site that is located on any New York State highway. If a vehicle fails the roadside inspection , a traffic ticket can be issued.


Temporary Certificate of Emissions Waiver (VS-1078)


When an existing diesel emissions inspection certificate expires while the vehicle is outside the DEMA , that resident may apply to the Department of Motor Vehicles for a' Temporary Certificate Emissions Waiver' VS-1078. Temporary Certificate Emissions Waiver is only available at DMV Issuing Offices. The temporary emissions waiver certificate when displayed on the vehicle along with a valid New York Safety Inspection Certificate will allow the vehicle to be operated while the vehicle is outside the DEMA. The Temporary Certificate of Emissions Waiver will be valid for ten 10 days from the date that the vehicle returns to the NYMA. Read regulation 79.1 of the NY State DMV Motor Vehicle Inspection Regulations pdf [1] CR-79.


When and where does the diesel emissions inspection occur?


The diesel emissions inspection occurs at the time of the annual safety inspection and is conducted at a diesel emissions inspection station.


Non-diesel emissions iInspection station in the New York Metropolitan Area (NYMA)


The station can conduct other inspections but cannot inspect vehicles that are subject to the diesel emissions inspection.


You can refer to Inspection Groups and Fee Chart pdf [2] VS-77 for this information.


Become a diesel emissions inspection station


The inspection station must purchase a DMV - approved smokemeter find a vendor. A station can conduct an emissions inspection on a diesel - powered vehicle if the station is licensed to conduct a safety inspection for that specific type of vehicle. To prove that an approved smokemeter was purchased , the station must send a photocopy of the invoice to this address


If you have questions , call 1 - 518 - 474 - 0919. 1. gross vehicle weight rating 2. maximum gross weight NYMA - New York Metropolitan Area


What is "Leandra's Law"?


Leandra's Law was signed into law on November 18 , 2009 in honor of Leandra Rosado. Leandra was an 11-year old killed while she rode in a vehicle with the intoxicated mother of one of her friends. In response to this tragedy , the NY State Legislature made several changes to the Vehicle and Traffic Law VTL. The law strengthened the penalties against motorists who drink and drive, and requires that any person sentenced for Driving While Intoxicated on or after August 15 , 2010 must have an ignition interlock device installed on any vehicle they own or operate the driver will have an " ignition interlock " restriction added to their driver license


See additional information about Leandra's Law at the NY State Governor's Traffic Safety Committee Alcohol, Drugs and Impaired Driving [1] page.


What are the different parts of Leandra's Law and what are the penalties for conviction?


Leandra's Law includes the following provisions :


The law established a new Class E Felony. The law states that no person shall operate a motor vehicle under the influence of alcohol or drugs while a child who is 15 years of age or younger is a passenger in the vehicle.


A court must sentence a person convicted of either to a period of probation or to a conditional discharge. The court must require the installation and use of an ignition interlock device in any motor vehicle owned or operated by a person convicted under this law. The ignition interlock device must remain in the vehicle for at least 12 months, unless otherwise permitted by the court.


A court that sentences a person for a conviction on or after August 15 , 2010 must impose a conditional discharge or probation , and a condition of the sentence must be the installation and use of an ignition interlock device in any motor vehicle the person owns or operates. The ignition interlock device must remain in the vehicle for at least 12 months, unless otherwise permitted by the court.


What is an "ignition interlock device"?


An ignition interlock device connects to a motor vehicle ignition system and measures the alcohol content in the breath of the operator. The device prevents the vehicle from being started until the motorist provides an acceptable breath sample.


If ignition interlock is ordered by a court , the system must be installed on each vehicle the motorist owns or operates. The device must remain installed for at least six months. The ignition interlock restriction will be added to the driver license record even if the license is revoked. The restriction will appear on the back of the driver license document as " interlock device ".


Courts and probation departments will direct convicted motorists to vendors for ignition interlock installation. The NY State Division of Criminal Justice Services [2] website provides details on ignition interlock device vendors and information from the manufacturers of the device.


How do I remove the ignition interlock restriction from my driver license?


Your ignition interlock monitor must give you a form that states that you are no longer required to install and maintain the ignition interlock device in motor vehicles you own or operate. You must take this form to a local DMV office and apply for a new document without the restriction.


What is Income-Driven Repayment?


Income - driven repayment IDR plans are designed to make your student loan debt more manageable by reducing your monthly payment amount. If you need to make lower monthly payments or if your outstanding federal student loan debt represents a significant portion of your annual income , one of the following income - driven plans may be right for you :


As You Earn Repayment Plan REPAYE Revised Pay Pay As You Earn Repayment Plan PAYE Income - Based Repayment Plan IBR Income - Contingent Repayment Plan ICR Plan


Who should complete this?


Borrowers not currently on an IDR Plan who are seeking a lower monthly payment on their federal student loans and Borrowers currently on an IDR Plan who need to re - certify or make changes to their repayment plan.


How many IDR applications do I need?


What do I need?


The entire Income - Driven Repayment process must be completed in a single session. Most people complete the process in 10 minutes or less.


Verified FSA ID


New Applicants


Returning IDR Applicants


You can apply for an income - driven repayment plan that limits your payments to a percentage of your income.


LOG IN TO START


Submit annual re-certification of my income


To re - certify for your existing income - driven repayment plan you must provide updated information about your income and family size annually.


Recalculate my monthly payment


If your income or family size has changed you can request that your income - driven payment be re - calculated to reduce your current monthly payment.


Switch my current plan to a new plan


If you are currently enrolled in an income - driven repayment plan and would like to switch to another income - driven repayment plan.


Preview a read - only version of the complete form


Preparing for College


Start preparing for college by defining your goals and interests, understanding college costs, and planning financially and academically.


Getting Ready for College It s Easier Than You Think Check Out Reasons to Attend a College or Career School Exploring Your Career Options Checklists to Help You Get Ready Financially and Academically Choosing a School Learning About Budgeting Resources for Parents of Students


Getting Ready for College It s Easier Than You Think


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Thinking about college, career school, or graduate school? There s so much to consider when it comes to getting ready for college: where to go, what to study, how to apply, how to pay for it all, and more.


It s never too early or too late to explore your options for college or career school. We ll walk through some key steps in preparing for college and provide resources that can help you along the way. You ll have to take the time to research and understand your options , but you don t have to do it alone. We re here to help students make informed decisions and find out what they need to do!


Resource


College Preparation Checklist


Check Out Reasons to Attend a College or Career School


Here s a simple equation: a college or career school education = more money, more job options, and more freedom. As you ll see from the chart below, as you get more education , you make more money.


View accessible version of Why Go to College or Career School infographic


A college education is a long - term investment. With careful planning , you can find the school and funding options that work best for your situation and put you on the path to success.


Exploring Your Career Options


A college or career school education can give you the skills needed to pursue a career that really interests you. Love working with animals? Or how about computers? Find possible careers to match your interests.


Checklists to Help You Get Ready Financially and Academically


Whether you re in high school now, in elementary or middle school, out of school, or perhaps never finished school , there are a number of steps you can take to get college ready. Our checklists will walk you through the steps you can take to find and get into the college or career school that s right for you and help you learn how to prepare financially. Review our checklists now!


Choosing a School


You have a variety of college options, from two - year community and junior colleges, to four - year colleges and universities, to technical, vocational, and trade schools. Get tips on things to consider when you re choosing a school, and use our free college search tool to find a school that matches your interests, career goals, and financial situation.


Learning About Budgeting


Learn what a budget is and how it can help you stay on track with your goals during and after college.


Resources for Parents of Students


Are you a parent planning ahead for your child s higher education? Review our resources for parents to learn more about saving early, finding tax breaks, and understanding parent loans to help support your child s college journey.


Do you have unanswered questions about the Free Application for Federal Student Aid (FAFSA) process?


Get in - depth information about the FAFSA form and what to expect after you submit your application.


Find answers to common questions that FAFSA filers may have.


Trending Topics


Which school year should I select if I am applying for a summer session? What do I do if I forgot my FSA ID username and password? What are the deadlines for filling out the FAFSA form? How do I correct my FAFSA form? What income and tax information do I report on the 2020 21 FAFSA form?


On this Page


Parents Getting Started How do I...? FSA ID After the FAFSA Form: Next Steps Contact Us


Parents


Help for your parents if they will be working on your FAFSA form. What if my parents have more than one child in college at the same time? Can my parent and I share the same FSA ID? Will I need my parent s information? How can my parent fill out the FAFSA form if he or she can t use my FSA ID?


Getting Started


Help with the FAFSA process before you begin. Am I eligible to receive financial aid? What are the deadlines for filling out the FAFSA form? What is the FAFSA form? What will I need to fill out the FAFSA form?


How Do I...?


Help with the most common questions about the FAFSA process. How do I correct my FAFSA form? How do I use the IRS Data Retrieval Tool? How do I view my Student Aid Report? How do I sign my FAFSA form?


FSA ID


Help using the FSA ID a username and password you use on Federal Student Aid websites. What is an FSA ID and will I need it to complete the FAFSA form? What if I forgot my FSA ID username and password? I received an error that my name, date of birth, and Social Security number listed on my FAFSA form do not match my FSA ID. What does that mean? How do I unlock my FSA ID?


After the FAFSA Form: Next Steps


Help with what happens after you submit your FAFSA form. I submitted my FAFSA form. What happens next? How do I check the status of my FAFSA form? When can I expect to hear from my colleges about my financial aid package?


Didn't find what you're looking for?


Student loan deferment allows you to temporarily stop making payments.


Find out if a deferment is the best option for your situation.


With deferment , you won t have to make a payment. However , you probably won t be making any progress toward forgiveness or paying back your loan. As an alternative , consider income - driven repayment.


Get Relief With Lower Payments on an Income-Driven Repayment Plan


If you re having trouble repaying your loans due to circumstances that may continue for an extended period, or if you re unsure when you ll be able to afford to make your monthly loan payments again , a better option might be to consider changing to an income - driven repayment plan. Income - driven repayment plans base your monthly payments on your income and family size. In some cases , your payment could be as low as $0 per month. Income - driven plans can also provide loan forgiveness if your loan isn t paid in full after 20 or 25 years.


Always contact your student loan servicer immediately if you re having trouble making your student loan payments.


If you re seeking Public Service Loan Forgiveness PSLF or income - driven repayment forgiveness , in most cases deferment will not allow you to make progress toward forgiveness.


Be Aware That Interest Might Accrue During Deferment


If you re granted a deferment , you might still be responsible for paying the interest that accrues during the deferment period. The table below shows when you are responsible for paying the interest and when you are not responsible based on loan type.


When you are responsible for paying the interest on your loans during a deferment , you can either pay the interest as it accrues , or you can allow it to accrue and be capitalized added to your loan principal balance at the end of the deferment period. If you don t pay the interest on your loan and allow it to be capitalized , the total amount you repay over the life of your loan may be higher. Unpaid interest is capitalized only on Direct Loans and FFEL Program loans. Unpaid interest is never capitalized on Perkins Loans.


Request a Deferment


Most deferments are not automatic you need to submit a request to your student loan servicer, often on a form. Also , for most deferments , you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the deferment. Learn more about requirements and how to access request forms.


Understand Eligibility for a Deferment


There are a variety of circumstances that may qualify you for a deferment on your federal student loan.


Cancer Treatment Deferment


You may qualify for this deferment while you are undergoing cancer treatment and for the six - month period after your treatment ends.


Complete the Cancer Treatment Deferment Request.


Economic Hardship Deferment


You may qualify for this deferment if you are receiving a means - tested benefit, like welfare e.g., Temporary Assistance for Needy Families TANF ; work full - time but have earnings that are below 150% of the poverty guideline for your family size and state of residence ; or are serving in the Peace Corps.


You can only receive this deferment for up to three years.


Complete the Economic Hardship Deferment Request.


Graduate Fellowship Deferment


You may qualify for this deferment if you are enrolled in an approved graduate fellowship program. A graduate fellowship program is generally a program that provides financial support to graduate students to pursue graduate studies and research. Most graduate fellowship programs are for doctoral students , but some are available to master s degree students.


Complete the Graduate Fellowship Deferment Request.


In-School Deferment


You are eligible for this deferment if you re enrolled at least half - time at an eligible college or career school. If you re a graduate or professional student who received a Direct PLUS Loan , you qualify for an additional six months of deferment after you cease to be enrolled at least half - time.


Important! If you are enrolled in an eligible college or career school at least half - time , in most cases your loan will be placed into a deferment automatically based on enrollment information reported by your school , and your loan servicer will notify you that the deferment has been granted. If you enroll at least half - time but do not automatically receive a deferment , you should contact the school where you are enrolled. Your school will then report information about your enrollment status so that your loan can be placed into deferment.


Complete the In - School Deferment Request.


Note: In - school deferment is generally automatic , so in most cases it isn t necessary to complete the In - School Deferment Request. However , if you re enrolled at least half - time but do not automatically receive a deferment , you can either ask your school to report your enrollment information, as explained above, or complete the In - School Deferment Request.


Military Service and Post-Active Duty Student Deferment


You may be eligible for this deferment if you are on active duty military service in connection with a war, military operation, or national emergency ; or you ve completed qualifying active duty service and any applicable grace period. This deferment ends when you resume enrollment in an eligible college or career school on at least a half - time basis or 13 months following the completion date of active duty service and any applicable grace period, whichever is earlier.


Complete the Military Service and Post - Active Duty Student Deferment Request.


Parent PLUS Borrower Deferment


You may qualify for this deferment if you re a parent who received a Direct PLUS Loan to help pay for your child s education , and the student you took the loan out for is enrolled at least half - time at an eligible college or career school. You can also receive a deferment for an additional six months after the student ceases to be enrolled at least half - time.


Complete the Parent PLUS Borrower Deferment Request.


Note: As an alternative to completing the Parent PLUS Borrower Deferment Request , if the school your child is attending requires you to complete a Direct PLUS Loan Request , you can request this deferment when you submit the Direct PLUS Loan Request. Check with your child s school.


Rehabilitation Training Deferment


You may qualify for this deferment if you re enrolled in an approved rehabilitation training program that is designed to provide vocational, drug abuse, mental health, or alcohol abuse rehabilitation treatment.


Complete the Rehabilitation Training Deferment Request.


Unemployment Deferment


You may be eligible for this deferment if you receive unemployment benefits or you are seeking and unable to find full - time employment. You can receive this deferment for up to three years.


Complete the Unemployment Deferment Request.


If you received federal student loans before July 1 , 1993 , you might be eligible for additional deferments. For more information about these deferments , contact your loan servicer.


Loan Types Eligible for Deferment


All the deferments are available to Direct Loan, FFEL Program loan, and Perkins Loan borrowers.


If you received a Perkins Loan , you may also be eligible for a deferment while you are working toward cancellation on your Perkins Loan. Get contact information regarding your Perkins Loan.


In most cases , Perkins Loan recipients who receive a deferment will receive a six - month post - deferment grace period that begins on the date they no longer meet the deferment eligibility requirements. No payments are required during the post - deferment grace period.


You MUST continue making payments on your student loan until you have been notified that your request for deferment has been granted. If you stop paying and your deferment is not approved , your loan will become delinquent and you may go into default.


College and career school costs can vary significantly from school to school.


Learn about college costs and get tips on how to lower costs when you go to school.


The cost of college can include a variety of items including some you might not expect. By understanding college costs , you can compare schools and explore options for how to lower your costs.


What is included in the cost of college?


College costs include more than tuition and room and board. Here are common costs :


Make sure colleges and career schools give you a clear statement of their tuition and fees.


How can I lower the cost of college?


Here are some suggestions on how you might be able to lower the cost of college. For many of these suggestions , you ll want to follow up with the colleges or career schools you are interested in to get additional details. Set a budget and stick to it! Having a budget will help you compare anticipated college or career school expenses against your potential available income and financial aid. You also can use a budget to compare costs between different schools. Learn about budgeting.


College or career school costs can vary significantly and there are many schools with affordable tuition and generous financial assistance. Make sure to research all schools that may meet your academic and financial needs. To find colleges or career schools , use our college search tool, College Navigator.


You may be able to get school credit based on your knowledge or life experiences , and you can manage your course work to reduce costs. Ask your school whether it s possible to test out of any classes. If you don t take a class , you may not have to pay for the credits. Some colleges give credit for life experiences, thereby reducing the number of credits needed for graduation. Most schools charge a set price for a specific number of credits taken in a semester. If academically possible , take the maximum number of credits allowed. This strategy reduces the amount of time needed to graduate. Some schools offer combined degree programs or three - year programs that allow you to take all of the courses needed for graduation in three years, instead of four, thereby eliminating one year's educational expenses.


Colleges and career schools may offer discounts on tuition if you are a child of an alumnus or alumna i.e., if your parent went to the school ; more than one family member is enrolled at the school ; you are a student government leader or the editor of the college newspaper or yearbook ; you are an older student ; your family s main wage earner is unemployed ; or you or a member of your family works at the school.


Housing costs can add up. Here are some tips for reducing your housing costs : If you go to a college or career school near home , consider living with your parents or other family. Taking small steps can add up. For example , you can lower the cost of textbooks if you buy used books or rent textbooks if you won t need the books once you finish the class.


If you live off - campus , consider sharing a house or apartment with multiple housemates to cut down the cost of rent, and carpool to save on gas and parking. Most colleges and universities sponsor resident advisor programs that offer reduced tuition or reduced room and board costs if you work in a residence hall. You may be eligible for health care benefits including the following : Most young adults can stay on their parents family plan until they turn 26, even if they are married or still living with their parents. If you have been uninsured because of a pre - existing condition , you may be eligible to join the Pre - Existing Condition Insurance Plan. If you are in a new insurance plan , insurance companies cannot charge you a deductible or copays for recommended or preventive services such as flu shots or other immunizations. You can work part - time to pay part of your costs. Be sure your work and school schedules don t conflict and that you have enough time for studying. Here are a couple of options : The Federal Work - Study Program provides an opportunity to earn money while going to school. Ask schools if they participate in the program. Cooperative education programs allow students to alternate between working full - time and studying full - time. Most schools have placement offices that help students find employment and personnel offices that hire students to work on campus.


A credit card can help you build a credit history, if you use it wisely. But use it for emergencies only and don t spend more than you can afford to pay. If you decide to get a credit card , make sure you understand the terms.


How can I compare the costs of colleges?


You can find information about whether the cost of a college is low, medium, or high by using the College Scorecard. Keep in mind that a higher - priced school might have more financial aid available to help you pay for your education, so take a look at the school s net price if you want an idea of how much it might cost you after financial aid is taken into account.


Direct PLUS Loans are federal loans that parents of dependent undergraduate students can use to help pay for college or career school.


PLUS loans can help pay for education expenses not covered by other financial aid.


The U.S. Department of Education makes Direct PLUS Loans to eligible parents through schools participating in the Direct Loan Program. We also offer PLUS loans for graduate or professional students.


A Direct PLUS Loan is commonly referred to as a parent PLUS loan when made to a parent borrower.


Looking to apply? Use the online application to apply for a parent PLUS loan.


Important: Most schools require you to submit the PLUS loan application online, although some schools have different application processes.


Note: Before you apply for a PLUS loan , make sure your child has already filled out the Free Application for Federal Student Aid FAFSA form.


Am I eligible for a parent PLUS loan?


To receive a parent PLUS loan , you must be the biological or adoptive parent or in some cases, the stepparent of a dependent undergraduate student enrolled at least half - time at an eligible school ; not have an adverse credit history unless you meet certain additional requirements ; and meet the general eligibility requirements for federal student aid. Your child must also meet these requirements.


Note: Grandparents unless they have legally adopted the dependent student and legal guardians are not eligible to receive parent PLUS loans, even if they have had primary responsibility for raising the student.


Try This Resource Federal Student Loans : Direct PLUS Loan Basics for Parents Provides parents with information on Direct PLUS Loans for parents. Includes an overview of eligibility, the application process, and repayment.


What is the current interest rate?


For Direct PLUS Loans first disbursed on or after July 1 , 2019, and before July 1 , 2020 , the interest rate is 7.08 %. This is a fixed interest rate for the life of the loan.


How much can I borrow?


The maximum PLUS loan amount you can borrow is the cost of attendance at the school your child will attend minus any other financial assistance your child receives. The cost of attendance is determined by the school.


Do I have to make payments on my loan while my child is still in school?


If you request a deferment , you will not need to make payments while your child is enrolled at least half - time and for an additional six months after your child graduates, leaves school, or drops below half - time enrollment. If the school your child is attending requires you to submit your request for a parent PLUS loan at StudentAid.gov , you ll have the option of requesting a deferment as part of the loan request process. You can also contact your loan servicer to request a deferment.


If you do not request a deferment , you will be expected to begin making payments after the loan is fully disbursed paid out.


During any period when you re not required to make payments , interest will accrue on your loan. You may choose to pay the accrued interest or allow the interest to be capitalized added to your loan principal balance when you have to start making payments. Your loan servicer will notify you when your first payment is due.


Can I still receive a parent PLUS loan if I have an adverse credit history?


A credit check will be performed during the application process. If you have an adverse credit history , you may still receive a parent PLUS loan through one of these two options : Obtaining an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the parent PLUS loan if you do not repay it. The endorser cannot be the child on whose behalf you are borrowing. Documenting to the satisfaction of the U.S. Department of Education that there are extenuating circumstances relating to your adverse credit history.


With either option 1 or option 2 , you also must complete credit counseling for parent PLUS loan borrowers.


Try This Resource Direct PLUS Loans and Adverse Credit Answers common questions about how an adverse credit history affects Direct PLUS Loan eligibility.


If you are unable to obtain a parent PLUS loan , your child may be eligible for additional unsubsidized loans. Your child should contact the school s financial aid office for more information.


How do I apply for a parent PLUS loan?


Go to the online Direct PLUS Loan Application for Parents.


Important: Most schools require you to apply for a Direct PLUS Loan online , but some schools have different application processes. This site has a list of schools that participate in the Direct Loan Program. When you select your child s school from the list , the site will tell you if the school has a different application process. In that case , check with the school s financial aid office to find out how to request a parent PLUS loan.


Note: Before applying for a parent PLUS loan , make sure your child has filled out the FAFSA form.


What additional steps must I take to receive my loan?


If you are eligible for a parent PLUS loan , you will be required to sign a Direct PLUS Loan Master Promissory Note MPN, agreeing to the terms of the loan. Contact the financial aid office at the school your child is planning to attend for details regarding the process at that school.


If you re taking out parent PLUS loans for more than one child , you ll need to sign separate Direct PLUS Loan MPNs for the loans you receive for each child.


Other than interest, is there a charge for this loan?


Yes , there is a loan fee on all Direct PLUS Loans. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage varies depending on when the loan is first disbursed, as shown in the chart below.


Loans first disbursed before Oct. 1 , 2018, have different loan fees.


How will I receive my loan?


The school will first apply parent PLUS loan funds to the student s school account to pay for tuition, fees, room and board, and other school charges. If any loan funds remain , your child s school will give them to you to help pay other education expenses for the student. With your authorization , the school can pay the remaining loan funds directly to the student. Get more information about receiving aid.


What happens after I receive my loan?


After you receive your parent PLUS loan , you will be contacted by your loan servicer you will repay your loan to the loan servicer. Your loan servicer will provide regular updates on the status of your parent PLUS loan.


What types of loan repayment plans are available?


Parent PLUS borrowers are eligible for the following repayment plans : Standard Repayment Plan Graduated Repayment Plan Extended Repayment Plan


Note : Parent borrowers can become eligible for an additional repayment plan the Income - Contingent Repayment Plan by consolidating their parent PLUS loans into a Direct Consolidation Loan.


Use Loan Simulator to get an early estimate of what your monthly payment amount would be under the plans for which you re eligible.


What if I have trouble repaying my loan?


If you are unable to make your scheduled loan payments , contact your loan servicer immediately. Your servicer can help you understand your options for keeping your loan in good standing. For example , you may wish to change your repayment plan to lower your monthly payment or request a deferment or forbearance that allows you to temporarily stop or lower the payments on your loan. Learn more about deferment and forbearance options.


As a parent PLUS loan borrower, can I transfer responsibility for repaying the loan to my child?


No , a Direct PLUS Loan made to a parent cannot be transferred to the child. You, the parent borrower, are legally responsible for repaying the loan.


Can I cancel the loan if I decide that I don t need it or if I need less than the amount offered?


Yes. Before your loan money is disbursed , you may cancel all or part of your loan at any time by notifying your child s school. After your loan is disbursed , you may cancel all or part of the loan within certain time frames. Your promissory note and additional information you ll receive from the school will explain the procedures and time frames for canceling your loan.


Can my loan ever be forgiven (canceled) or discharged?


Under certain conditions , you may be eligible to have all or part of your loan forgiven canceled or discharged. Find out about loan forgiveness, cancellation, and discharge.


If you are seeking Public Service Loan Forgiveness , you will need to repay your loans under an income - driven repayment plan. The Income - Contingent Repayment Plan is the only income - driven repayment plan available to parent PLUS borrowers, and to repay your parent PLUS loans under the Income - Contingent Repayment Plan , you must first consolidate the loans into a Direct Consolidation Loan.


Where can I find information about the parent PLUS loans I ve received?


Visit My Aid to view information about all of the federal student loans and other financial aid you have received and to get contact information for your loan servicer.


Feedback Center


Your feedback is important to us. You can submit a complaint an issue, concern, suspicious activity, or scam, give us positive feedback, or review an already submitted case.


If you previously submitted a complaint and Federal Student Aid gave you a response you don't agree with , or you believe is incorrect , follow our procedure for resolving disputes. We encourage you to do this before you contact the Federal Student Aid Ombudsman Group. The Ombudsman Group is a neutral, informal, and confidential resource to help resolve disputes about your federal student aid.


Submit a Complaint


Submit a complaint or report a suspicious activity or scam, on behalf of yourself or someone else.


Submit Complaint


Share Positive Feedback


Share positive feedback about your financial aid experience.


Manage My Cases


Log in to your account to view, track, or update your case.


Manage Cases


How can we help you?


SPEAK TO AN AGENT


Call for help with submitting your feedback , or to ask questions.


POPULAR TOPICS


IT Standards Library


Welcome to the Federal Student Aid Chief Information Officer's Information Technology IT Standards Library. Federal Student Aid and its contractors must comply with IT standards and guidelines applicable to all federal agencies. They must also comply with the policies and procedures specific to the U.S. Department of Education and Federal Student Aid.


The IT Standards Library offers pertinent references for those who do or would like to do business with Federal Student Aid. Documents selected for the library , however , may not encompass all of the documentation or references necessary to perform work for Federal Student Aid. The library includes material in three broad categories : U.S. Department of Education Specific Resources Federal Student Aid Specific Resources Select Federal Standards and Guidelines


U.S. Department of Education Specific Resources


This section of the IT Standards Library includes documents pertinent to the U.S. Department of Education as a whole.


Security Requirements for Contractors Doing Business with the Department of Education


The Department uses its Administrative Communications System to issue policies and procedures applicable to Department employees and contractors. Handbooks and departmental directives identify security policies and procedures contractors doing business with the Department must comply with. Administrative Communications System Departmental Handbooks and Directives


IT Dashboard


The IT Dashboard was launched on June 1 , 2009, to provide Federal agencies and the public with the ability to view details of Federal Information Technology IT investments online and to track their progress over time. The IT Dashboard displays data received from agency IT Portfolio and Business Case reports, including general information on over 7,000 Federal IT investments and detailed data for over 700 of those investments that agencies classify as " major . " Federal IT Dashboard


Federal Student Aid Specific Resources


This section of the IT Standards Library includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project may be required to comply with dependent on the contract. General References IT Security Data Management Testing Services Program Quality Assurance


General References


Lifecycle Management Methodology


The Lifecycle Management Methodology comprises a comprehensive process for managing information technology projects from vision to retirement. The methodology is composed of eight distinct stages, each of which guides project managers through the LMM process by identifying a core / minimum set of deliverables to be created in order to ensure a project's viability. This methodology promotes an incremental and iterative approach that fosters the development of complex solutions by breaking them down into small, manageable phases. The intent of implementing and following the LMM is to maximize project outcomes and minimize the risks traditionally associated with IT solution development projects. Lifecycle Management Methodology LMM Tailoring Plan Template Specific LMM Document / Artifact Templates are available by request from the Contracting Officer.


Technology Standards and Products Guide


The Federal Student Aid Technology Standards and Products Guide Guide provides an organized, systematic way of classifying Federal Student Aid's information technology infrastructure and provides a basis for understanding the basic principles, assumptions, and rules governing the development of Federal Student Aid information technology policies. Technology Standards and Products Guide


Enterprise Change Management Plan


The Enterprise Change Management Plan defines Federal Student Aid's operational change management concepts related to enterprise events, configuration and release management. Enterprise Change Management Plan


Enterprise Rational Solution


The Federal Student Aid Enterprise Rational Solution is used for systems development efforts. It is an integrated solution for requirements, test, and configuration management built upon the IBM Rational tool suite that complies with FSA standards for these areas.


IT Security


This section contains IT Security documents used by FSA. Interconnection Security Agreement Template


Data Management


Data Management Resources


The following resources provide information for Data Management at Federal Student Aid on current and planned data management initiatives. Data Migration Roadmap Data Model Standards and Guidelines Data Standardization Policies and Procedures


Testing Services


Enterprise Test Management Standards


Provides standards and guidance to Federal Student Aid employees and contractors regarding effective test planning, repeatable test processes, standardized templates, defect management and other tools that will help make test efforts better planned, executed and monitored. Enterprise Test Management Standards Specific Test Management Templates are available by request from the Contracting Officer.


Program Quality Assurance


Production Readiness Review PRR Process


The Production Readiness Review PRR serves as the final, formal, and documented decision point before a new application or a significant release of an existing application enters Federal Student Aid's production environment and is exposed to end - users. Production Readiness Review PRR Process Description Presentation Template


General and Federal Guidelines


This section of the IT Standards Library highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards and guidelines applicable to information and information technology management. The standards and guidelines they promulgate apply to all federal agencies and departments. Entities seeking to do business with Federal Student Aid must be cognizant of and apply them.


Office of Management and Budget Resources


The U.S. Office of Management and Budget's OMB predominant mission is to assist the President in overseeing the preparation of the federal budget and to supervise its administration in Executive Branch agencies.


OMB oversees and coordinates the Administration's procurement, financial management, information, and regulatory policies, and issues associated instructions to federal agencies.


The OMB Web site offers a significant number of resources regarding information technology in the Executive Branch. Office of Management and Budget


National Institute of Standards and Technology Resources


The National Institute of Standards and Technology NIST is a non - regulatory federal agency within the U.S. Department of Commerce. NIST's mission is to promote U.S. innovation and industrial competitiveness by advancing measurement science, standards, and technology in ways that enhance economic security and improve our quality of life. The NIST website offers many valuable resources.


NIST's work in the area of information security is of particular interest and relevance to the work of Federal Student Aid. The Federal Information Security Management Act of 2002 FISMA charged NIST with developing and issuing standards, guidelines, and other publications to assist federal agencies in implementing the FISMA and in managing cost - effective programs to protect their information and information systems. NIST's Computer Security Resource Center offers extensive resources on this subject matter. National Institute of Standards and Technology Federal Information Security Management Act of 2002 Computer Security Resource Center


U.S. General Services Administration Office of Government - wide Policy


The U.S. General Services Administration's GSA government - wide policymaking authority covers the areas of personal and real property, travel and transportation, information technology, regulatory information and use of federal advisory committees, and is carried out by GSA's Office of Governmentwide Policy OGP.


OGP provides leadership in the development of a policy environment and key enablers for electronic government, and supports OMB in the implementation of various E - Gov initiatives to standardize and streamline government processes.


Among other initiatives, OGP sponsors http://www.section508.gov, a website devoted to disseminating information regarding Section 508 of the Rehabilitation Act of 1973, as amended. Section 508 of the Act requires federal agencies to make their electronic and information technology accessible to people with disabilities. Office of Governmentwide Policy Section508.gov


How to Review and Correct Your FAFSA Application


Filling out and submitting your FAFSA form is an important step in the journey to paying for college. Learn about the next steps after submitting the application.


We ll walk you through the actions you need to take to stay on track including accepting and getting your aid.


"After the FAFSA: What Happens Next?" Video


Watch the video on YouTube


View accessible version wmv


Make Sure Your FAFSA Form Was Processed


After you submit your FAFSA form online or on the myStudentAid mobile app , you can check its status immediately. (Note: Only the student can check the status, because the FSA ID username and password are required to log in.) Here s how: Go to fafsa.gov or the myStudentAid mobile app and log in with your FSA ID username and password. The status of your application will be one of the following. Processing : Your application is still processing. It typically takes three to five days, plus one additional business day to be made available to the schools you listed on the form. Processed Successfully : Your application was processed successfully. No further action is needed. Missing Signatures : Your application is missing the required signature. Action Required : Your application requires further action. Contact your school to resolve the issue.


If you submitted a paper FAFSA form , you can check its status after it has been processed roughly 7 10 days from the date mailed.


You can also contact the Federal Student Aid Information Center to find out if your FAFSA application was processed.


Understand the Full Impact of Your FAFSA Application


Not only is your FAFSA form an application for federal student aid , it also is used in determining your eligibility for certain state and school financial aid.


Your FAFSA information is shared with the colleges and/or career schools you list on the application. The financial aid office at a school uses your information to figure out how much aid you may receive at that school.


Note: The school might also have other forms for you to fill out to get school aid, so check with the financial aid office to be sure.


Your information also goes to your state higher education agency, as well as to agencies of the states where your chosen schools are located. Many states have financial aid funds that they give out based on FAFSA information.


Review Your Student Aid Report (SAR)


The SAR is a summary of the FAFSA data you submitted. You the student will get your SAR within three days to three weeks after you submit your FAFSA form. Look over your SAR carefully, make sure you didn t make a mistake on your FAFSA form, and make corrections to your FAFSA data if necessary. Find out more about the SAR, its purpose, how the method you use to file your FAFSA form determines when you ll get the SAR, and what you should do with the SAR.


What Not to Expect from the SAR


The SAR won t tell you how much financial aid you ll get. Also , if you used the Internal Revenue Service Data Retrieval Tool IRS DRT when filling out your FAFSA form , the SAR won t show the details of your income and tax information.


So how do you find out how much aid you ll get?


If you ve been accepted at a college or career school that you listed on your FAFSA form , the school will calculate your aid and send you an electronic or paper aid offer, sometimes called an award letter, telling you how much aid you re eligible for at the school. The timing of the aid offer varies from school to school and could be as early as winter awarding for the fall or as late as immediately before you start school. It depends on when you apply and how the school prefers to schedule awarding of aid.


Provide Required Verification


You might see a note on your SAR saying you ve been selected for verification ; or your school might contact you to inform you that you ve been selected. Verification is the process your school uses to confirm that the data reported on your FAFSA form is accurate. If you re selected for verification , your school will request additional documentation that supports the information you reported.


Don t assume you re being accused of doing anything wrong. Some people are selected for verification at random ; and some schools verify all students' FAFSA forms. All you need to do is provide the documentation your school asks for and be sure to do so by the school s deadline , or you won t be able to get financial aid.


If you used the Internal Revenue Service Data Retrieval Tool IRS DRT when filling out your FAFSA form , you may not have to verify that information. In the following cases , however , your school may require you to submit an IRS tax transcript or a signed copy of your income tax return as part of the verification process. You didn t use the IRS DRT. You used the IRS DRT and reported rollovers. You used the IRS DRT but also amended your tax return.


You can find your tax transcript through the IRS s Get Transcript service at irs.gov/transcript.


Correct Mistakes or Make Updates to Your FAFSA Form


Correct Mistakes


Once your application has been processed , you can correct your FAFSA form online or on paper.


Make Updates


While most information cannot be changed on the FAFSA form , some information must be updated if it changes. Find out the difference and how to update FAFSA information.


NOTE : Making corrections or updates online requires the student to sign in using his or her FSA ID username and password. The parent cannot sign in and make changes to the form.


Decide What Aid to Accept


First , you ll need to understand the aid that s being offered. For instance , is it free money such as a grant or scholarship , or is it a loan that you ll have to pay back? Next , decide what aid you really need, and then respond to the school s aid offer within the deadline set by the school. Learn more about accepting aid.


Learn How Your Aid Is Paid Out


If you were offered financial aid and you accepted it , the financial aid staff at your college or career school will explain exactly how and when your aid will be paid out. They ll also tell you whether you need to fill out any more paperwork or meet other requirements. For instance , if you re receiving a federal student loan for the first time , you should expect to be required to sign a promissory note and go through entrance counseling. Be sure to keep in touch with your school s financial aid office so that you understand the whole process of receiving your aid.


How to Renew Your FAFSA Application


Another academic year , another chance to receive financial aid!


The Free Application for Federal Student Aid FAFSA form applies to a single academic year. That means you need to submit a FAFSA form each year and make sure you meet the FAFSA deadlines for state and college aid to maximize the aid you could receive.


It s Easy to Renew Your FAFSA Form


When you log in to renew your FAFSA form , it s prefilled with certain information from the prior academic year. You ll need to provide new income and tax information and update any information that may have changed.


Follow These Instructions to Renew Your FAFSA Form


Log in with your FSA ID username and password at fafsa.gov. Learn what to do if you forgot your FSA ID username or password. Select FAFSA Renewal. Note: If you log in as a student on the myStudentAid mobile app and are eligible for a FAFSA renewal , the renewal form automatically displays. Update any prefilled information that has changed, and provide the requested financial information. Sign and submit the FAFSA renewal.


Note: The ability to renew your FAFSA form on fafsa.gov is for your convenience. You can also choose to start a new FAFSA form.


FAFSA Completion by High School and Public School District


As the cost of college continues to increase , financial aid becomes ever more important. While many factors are involved in the decision to attend college , a strong correlation exists between FAFSA completion and college enrollment.


Previously , high schools relied on self - reported surveys to estimate their FAFSA completion rate , and that data can be inaccurate. For this reason , Federal Student Aid is providing high schools with current data about their FAFSA submissions and completions so that high schools can track their progress and help to ensure that their students complete a FAFSA. A completed FAFSA allows the U.S. Department of Education to determine a potential student's eligibility for federal student aid a key factor in families' college decisions.


The data included in the attached charts reflect the number of submitted and completed FAFSAs among first - time filing applicants no older than 19 at the cutoff date who will have received their high school diploma by the start of the school year to which they are applying for aid. For each high school , the number of submitted and completed applications is reported for the current application cycle 2020 - 2021 and the same time period last year for the previous application cycle 2019 - 2020.


The data is displayed in spreadsheets broken down by state or territory that include the school name and city of the high school. Additional tabs within each spreadsheet now include estimates of public school district FAFSA completion rates for both cycles as well as state level maps presenting this data. Importantly , the district level data only includes applicants reporting public high schools and does not consider private schools that are geographically within a district.


Below , you can select a state or territory from the drop - down menu to view its data, get more information about the data assumptions, or find answers to the most frequently asked questions.


For high schools to track their progress , FSA regularly updates estimates for the first 15 months of the application cycle. Note: From October through June , data releases are weekly. For the remainder for the calendar year , data releases occur every other Friday.


Data currently posted covers applications processed through June 5. Our next data release is scheduled for June 19 covering applications processed through June 12.


IMPORTANT ANNOUNCEMENT : Do you have concerns related to your high school within the data or on the FAFSA? We ve recently updated our FAQ and Data Details pages reflecting recent changes and trending questions, including why we recently changed the definition of a senior, why some schools are not listed on the FAFSA, and common errors or misconceptions when analyzing the data.


IMPORTANT ANNOUNCEMENT : Do you need help increasing your FAFSA completion numbers in your area or at your high school? Federal Student Aid recently launched the Financial Aid Toolkit to help counselors understand the basics of federal student aid, provide tips on hosting events along with sample PowerPoint presentations, provide suggested messages for social media and email outreach, and help find other training opportunities. Visit the site to learn more.


New methodology counts more older seniors year over year comparison still possible!


Select FAFSA Data by State / Territory :


Completion Report Archives:


Files ending in 18 year olds use the previous age assumption that applicants be no older than 18. All other files use the current assumption that applicants be no older than 19.


Doing Business With Us


Federal Student Aid Acquisitions plays an integral role supporting Federal Students Aid's needs and program objectives. Federal Student Aid Acquisitions is responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations, and Executive Orders.


Acquisition Forecast


Federal Student Aid prepares an annual forecast, with periodic updates, of expected contract opportunities in excess of the simplified acquisition threshold for each fiscal year. Information on Federal Student Aid's forecast, as well as other U.S. Department of Education acquisitions, can be found at Forecast of ED Contract Opportunities. All forecasted procurements are subject to revision or cancellation.


Acquisition Notices and Contract Solicitations


Active acquisition synopses, contract solicitations, and other information including draft work statements, special notices, sources sought notices, etc ., are available at FedBizOpps, the U.S. Government's single point - of - entry for federal business opportunities. FedBizOpps also contains copies of requests for quotations for proposed contract actions expected to exceed $10,000 but not to exceed $25,000.


Federal Student Aid IT Standards


Federal Student Aid relies heavily on information technology IT to support complex business processes. Therefore , effective use of IT is essential to many Federal Student Aid acquisitions.


The IT Standards Library identifies federal, Department and Federal Student Aid specific IT standards directly pertinent to Federal Student Aid's acquisitions.


Contact


If you have questions regarding Federal Student Aid's Acquisition activities , please e - mail FSA Acquisitions.


The U.S. Department of Education offers low-interest loans to eligible students to help cover the cost of college or career school.


Students may be eligible to receive subsidized and unsubsidized loans based on their financial need.


Subsidized and unsubsidized loans are federal student loans for eligible students to help cover the cost of higher education at a four - year college or university, community college, or trade, career, or technical school. The U.S. Department of Education offers eligible students at participating schools Direct Subsidized Loans and Direct Unsubsidized Loans. Some people refer to these loans as Stafford Loans or Direct Stafford Loans.


What s the difference between Direct Subsidized Loans and Direct Unsubsidized Loans?


In short , Direct Subsidized Loans have slightly better terms to help out students with financial need.


Here s a quick overview of Direct Subsidized Loans : Direct Subsidized Loans are available to undergraduate students with financial need. Your school determines the amount you can borrow , and the amount may not exceed your financial need. The U.S. Department of Education pays the interest on a Direct Subsidized Loan while you re in school at least half - time , for the first six months after you leave school referred to as a grace period * , and during a period of deferment a postponement of loan payments.


*Note: If you received a Direct Subsidized Loan that was first disbursed between July 1 , 2012, and July 1 , 2014 , you will be responsible for paying any interest that accrues during your grace period. If you choose not to pay the interest that accrues during your grace period , the interest will be added to your principal balance.


Here s a quick overview of Direct Unsubsidized Loans : Direct Unsubsidized Loans are available to undergraduate and graduate students ; there is no requirement to demonstrate financial need. Your school determines the amount you can borrow based on your cost of attendance and other financial aid you receive. You are responsible for paying the interest on a Direct Unsubsidized Loan during all periods. If you choose not to pay the interest while you are in school and during grace periods and deferment or forbearance periods , your interest will accrue accumulate and be capitalized that is, your interest will be added to the principal amount of your loan.


Try This Resource Federal Student Loans : Basics for Students Provides students with information on Direct Loans. Includes an overview of eligibility, the application process, and repayment.


Your school determines the loan type, if any, and the actual loan amount you are eligible to receive each academic year. However , there are limits on the amount in subsidized and unsubsidized loans that you may be eligible to receive each academic year annual loan limits and the total amounts that you may borrow for undergraduate and graduate study aggregate loan limits. The actual loan amount you are eligible to receive each academic year may be less than the annual loan limit. These limits vary depending on what year you are in school and whether you are a dependent or independent student.


If you are a dependent student whose parents are ineligible for a Direct PLUS Loan , you may be able to receive additional Direct Unsubsidized Loan funds.


The following chart shows the annual and aggregate limits for subsidized and unsubsidized loans.


Notes: The aggregate loan limits include any Subsidized Federal Stafford Loans or Unsubsidized Federal Stafford Loans you may have previously received under the Federal Family Education Loan FFEL Program. As a result of legislation that took effect July 1 , 2010 , no further loans are being made under the FFEL Program. Effective for periods of enrollment beginning on or after July 1 , 2012 , graduate and professional students are no longer eligible to receive Direct Subsidized Loans. The $65,500 subsidized aggregate loan limit for graduate or professional students includes subsidized loans that a graduate or professional student may have received for periods of enrollment that began before July 1 , 2012, or for prior undergraduate study.


If the total loan amount you receive over the course of your education reaches the aggregate loan limit , you are not eligible to receive additional loans. However , if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit , you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit.


Graduate and professional students enrolled in certain health profession programs may receive additional Direct Unsubsidized Loan amounts each academic year beyond those shown above. For these students , there is also a higher aggregate limit on Direct Unsubsidized Loans. If you are enrolled in a health profession program , talk to the financial aid office at your school for information about annual and aggregate limits.


Try This Resource Federal Student Loan Programs Lists federal student loan programs with loan details and award limits.


Am I eligible for a Direct Subsidized Loan or a Direct Unsubsidized Loan?


To receive either type of loan , you must be enrolled at least half - time at a school that participates in the Direct Loan Program. Generally , you must also be enrolled in a program that leads to a degree or certificate awarded by the school. Direct Subsidized Loans are available only to undergraduate students who have financial need. Direct Unsubsidized Loans are available to both undergraduates and graduate or professional degree students. You are not required to show financial need to receive a Direct Unsubsidized Loan.


How do I apply for a loan?


To apply for a Direct Loan , you must first complete and submit the Free Application for Federal Student Aid FAFSA form. Your school will use the information from your FAFSA form to determine how much student aid you are eligible to receive. Direct Loans are generally included as part of your financial aid package.


What are the current interest rates?


The interest rates for Direct Subsidized Loans and Direct Unsubsidized Loans are shown in the chart below.


The interest rates shown above are fixed rates for the life of the loan.


Got other questions about interest? Understanding interest rates and fees Find out how interest is calculated. Information for military members If you are a member of the military , you may be eligible for special interest benefits relating to your federal student loans.


Is there a time limit on how long I can receive loans?


If you are a first - time borrower on or after July 1 , 2013 , there is a limit on the maximum period of time measured in academic years that you can receive Direct Subsidized Loans. This time limit does not apply to Direct Unsubsidized Loans or Direct PLUS Loans. If this limit applies to you , you may not receive Direct Subsidized Loans for more than 150 percent of the published length of your program. This is called your maximum eligibility period. Your maximum eligibility period is generally based on the published length of your current program. You can usually find the published length of any program of study in your school s catalog.


For example , if you are enrolled in a four - year bachelor s degree program , the maximum period for which you can receive Direct Subsidized Loans is six years 150 percent of 4 years = 6 years. If you are enrolled in a two - year associate degree program , the maximum period for which you can receive Direct Subsidized Loans is three years 150 percent of 2 years = 3 years.


Because your maximum eligibility period is based on the length of your current program of study , your maximum eligibility period can change if you change to a program that has a different length. Also , if you receive Direct Subsidized Loans for one program and then change to another program , the Direct Subsidized Loans you received for the earlier program will generally count toward your new maximum eligibility period.


Certain types of enrollment may cause you to become responsible for the interest that accrues on your Direct Subsidized Loans when the U.S. Department of Education usually would have paid it. These enrollment patterns are described below.


Yes , there is a loan fee on all Direct Subsidized Loans and Direct Unsubsidized Loans. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage varies depending on when the loan is first disbursed, as shown in the chart below.


Loans first disbursed prior to Oct. 1 , 2017, have different loan fees.


If your financial aid package includes federal student loans , your school will tell you how to accept the loan.


If it is your first time receiving a Direct Loan , you will be required to complete entrance counseling , a tool to ensure you understand your obligation to repay the loan ; and sign a loan contract called a Master Promissory Note, agreeing to the terms of the loan.


Contact the financial aid office at the school you are planning to attend for details regarding the process for receiving a loan at your school.


The school will first apply your loan funds to your school account to pay for tuition, fees, room and board, and other school charges. If any additional loan funds remain , they will be returned to you. All loan funds must be used for your education expenses. Learn more about the process of receiving federal student aid.


Who will contact me after I receive my loan?


When you receive your Direct Loan , you will be contacted by your loan servicer you repay your loan to the loan servicer. Your loan servicer will provide regular updates on the status of your Direct Loan, and any additional Direct Loans that you receive.


When do I have to pay back my loan?