Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
‹date/time›
‹footer›
‹#›
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/master03.xml
Content-Transfer-Encoding: quoted-printable
Content-Type: text/xml; charset="utf-8"
![](3D"master03_image002.gif")
THE FEDERAL STUDENT LOAN <=
/span>FORGIVENESS
LAW
The College Cost Reducti=
on
and Access Act of 2007
![](3D"slide0008_image004.gif")
The College Cost Reduction and Access Act of 2007 (P.L. #110-84)
<=
span
style=3D'visibility:hidden'>•
<=
span
class=3DBB style=3D'position:absolute;left:-4.31%'>•Congress =
created
important new borrower rights.
<=
span
style=3D'visibility:hidden'>•
•Congress
substantially cut lender and guaranty agency subsidies.![](3D"slide0002_image005.gif")
Key Provisions
<=
span
style=3D'font-size:120%'>•Pell Grant Increases
<=
span
style=3D'font-size:120%;visibility:hidden'>•
<=
span
style=3D'font-size:120%'>•Interest Rate Reductions
<=
span
style=3D'font-size:120%;visibility:hidden'>•
•Deferment for Certain Members of the Armed Forces
<=
span
style=3D'font-size:120%;visibility:hidden'>•
<=
span
style=3D'visibility:hidden'>•
•Income Based Repayment
<=
span
style=3D'font-size:120%;visibility:hidden'>•
•Loan Forgiveness for Public Service Employees![](3D"slide0021_image006.gif")
How Does the Act Help Publ=
ic
Service Lawyers?
=
Significantly
lowers monthly student loan payments by creating an income-based
repayment plan.
![](3D"slide0009_image007.gif")
Income Based Repayment (IBR)
•Congress created an
income-based repayment plan for federally guaranteed stude=
nt
loans.
<=
span
style=3D'visibility:hidden'>•
•Under IBR,
student loan payments are substantially reduced because Congress
created a cap on annual student loan payments (15% of the
amount by which AGI exceeds 150% of poverty).
<=
span
style=3D'visibility:hidden'>•
•IBR is ava=
ilable
to borrowers with a “Partial Financial Hardship”.&=
#13;
<=
span
style=3D'visibility:hidden'>•
![](3D"slide0024_image008.gif")
Example
• Jane Justice owes $100,000 in
qualifying debt at 6.8% interest and takes a job paying $40,=
000
to start.
<=
span
style=3D'visibility:hidden'>•
She e=
lects
the income-based repayment (IBR) plan.&nb=
sp;
In her first year, Jane’s monthly paymen=
ts
under IBR are $309 (as opposed to $1151 under standard
ten-year repayment).
<=
span
style=3D'visibility:hidden'>•
As
Jane gets annual salary increases of 5%, her monthly payments
under IBR gradually rise, until in year 10 her monthly payments=
are
$526.![](3D"slide0019_image009.gif")
Which Student Loans are
Eligible for IBR?
<=
/div>
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0019_image009.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0020.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
=
226;All
federal direct loans and federally guaranteed loans are
eligible including:
<=
/div>
&=
#8211;Federal
Perkins Loans
&=
#8211;Subsidized
Federal Stafford Loans
&=
#8211;Unsubsidized
Federal Stafford Loans
&#=
8211;Federal
Grad PLUS loans (but not Parent PLUS loans)
&=
#8211;Federal
Direct Consolidation Loans
![](3D"slide0020_image010.gif")
Which Student Loans are =
Not
Eligible for IBR?
<=
span
style=3D'visibility:hidden'>•
•Loans mad=
e by a
state or private lender and not guaranteed by the federal
government are never eligible.
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%'>•Parent PL=
US loans
are not eligible.
![](3D"slide0018_image011.gif")
Which Borrowers are Eligible for IBR=
?
•IBR is available to
borrowers with a “Partial Financial Hardship”.
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0018_image011.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0010.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
![](3D"slide0010_image012.gif")
What Counts as a
“Partial Financial Hardship”?
<=
/div>
Slide 1
![](3D"slide0011_image013.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0011_image013.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0013.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0013_image014.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0013_image014.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0023.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0023_image015.gif")
• Start =
with
your law school financial aid office
•Finaid.or=
g has
debt payment calculators: http://www.finaid.org/calcul=
ators
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0023_image015.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0015.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0015_image016.gif")
=
&#=
8226;Partial
Financial Hardship exists when:
<=
/div>
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0010_image012.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0011.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
&#=
8211;A
borrower’s annual student loan payments under a ten
year standard repayment plan are greater than 15% of the amoun=
t by
which the borrower’s adjusted gross income (and that of=
a
spouse if applicable) exceeds 150% of poverty.
What is Adjusted Gross Income?
&#=
8226;Adjusted
gross income (AGI):
<=
/div>
&#=
8211;Taxable
income from all sources minus specific deductions including the =
IRA
deduction, student loan interest deduction, and alimony pai=
d by
the individual, but not standard or itemized deductions.
How Do I Know If I Have a
“Partial Financial Hardship”?
1)Look
up the current federal poverty level and calculate <=
span
style=3D'position:absolute;top:33.25%;left:10.11%;width:38.2%;height:4.5%'=
>150%
of poverty. (a)
•
2)Know
or estimate the amount of student debt and calculate the
annual student debt payment under the standard =
repayment
plan for that amount of student debt. (b)
3)
3)K=
now
or estimate AGI. (c)
4)Subtract
150% of poverty (a) from AGI (c) to calculate the “amount
by which AGI exceeds 150% of poverty” (d). c – a =3D d
•
5)Calculate
15% of the amount by which AGI exceeds 150% =
of
poverty (d). (.15)d =3D e=
3;
6)
6)If
b > e, you have a “Partial Financial Hardship”.=
But, I’m a lawyer! Lawyers don’t do math!
<=
span
style=3D'visibility:hidden'>•
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%'>•Equal Jus=
tice
Works resource library:
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%'>•Salary da=
ta is
available through NALP:
<=
span
style=3D'visibility:hidden'>•
=
Calcula=
ting
Partial Financial Hardship
1)<=
/span>Current federal poverty level: $10,210.
150% of that amount is $15,315.
a =3D $15,315=
2)Estimated student debt: $30,000. Annual student debt payment under the standard repayment =
plan for $30,000 is $4,800.
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0015_image016.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif
R0lGODlh4wEkAHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAAAAQDi
ASEAgAAAAPHNRALwjI+py+0Po5y02ouz3rz7D4aiBZTmiabqyrbuC8fyTNf2jef6zvf+DwzKDMKi
8YhMKpfMpvP5JEKn1Kr1is1qtycp9wsOi8fkcs9rTqvX7LYbiH7L5/S6nRu/6/f8vn+W9yc4SFi4
FmiYqLjIuITYCBkpOfnySHmJmWloqdnp+fnGCTpKWqolapqqunqEyvoKG0vjKltre0t7q7ubmsv7
C5zpG0xcvDhsnKzch7zs/BwaAD1NzSxdjZ0drc3dXdbsHS4uBD5ufo5Tjr7O7qLeDh8P8C5ff05v
n++Nr9+PPQIwoMCBBAsaPIgwocKFBgoAADs=
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0016.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0016_image017.gif")
Slide 1
![](3D"slide0028_image018.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0028_image018.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0030.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0030_image019.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0030_image019.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif
R0lGODlh4wFGAHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAAAAQDi
AUMAgAAAAPHNRAL/jI+py+0Po5y02ouz3rz7D4aiBZTmiabqyrbuC8fyTNf2jef6zvf+DwzKDMKi
8YhMKpfMpvP5JEKn1Kr1is1qtycp9wsOi8fkcs9rTqvX7LYbiH7L5/S6nRu/6/f8vn+W9yc4SFi4
FmiYqLjIuITYCBkpOfnySHmJmWloqdnp+fnGCTpKWqolapqqunqEyvoKG0vjKltre0t7q7ubmsv7
C5zpG0xcvDhsnKzch7zs/BwaAD1NzSxdjZ0drc3dXdbsHS4uBD5ufo5Tjr7O7qLeDh8P8C5ff05v
n++Nr9+Pze8v4DOAAgsaI2gw4S+EChvaYugw4iuIEiuaomgx4yeMgho7YuLoMWQkkCJLKiJpMuUg
lCpb8mHpMmYdmDJruqFpM2canDp7iuHpM+gWoEKLWiFqNGmUa0qbCkLqNKoRqFKr/qBqNasOrFq7
1uDqNSwMsGLLriBrNq0JtGrTsm1b9i3csHLndq1rNyvevFX38o06IrDgwYQLGz6MOLHixYwNFAAA
Ow==
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0031.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0031_image020.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0031_image020.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0036.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0036_image021.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0036_image021.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0032.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0032_image022.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0032_image022.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif
R0lGODlh4wFGAHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAAAAQDi
AUMAgAAAAPHNRAL/jI+py+0Po5y02ouz3rz7D4aiBZTmiabqyrbuC8fyTNf2jef6zvf+DwzKDMKi
8YhMKpfMpvP5JEKn1Kr1is1qtycp9wsOi8fkcs9rTqvX7LYbiH7L5/S6nRu/6/f8vn+W9yc4SFi4
FmiYqLjIuITYCBkpOfnySHmJmWloqdnp+fnGCTpKWqolapqqunqEyvoKG0vjKltre0t7q7ubmsv7
C5zpG0xcvDhsnKzch7zs/BwaAD1NzSxdjZ0drc3dXdbsHS4uBD5ufo5Tjr7O7qLeDh8P8C5ff05v
n++Nr9+Pze8v4DOAAgsaI2gw4S+EChvaYugw4iuIEiuaomgx4yeMgho7YuLoMWQkkCJLKiJpMuUg
lCpb8mHpMmYdmDJruqFpM2canDp7iuHpM+gWoEKLWiFqNGmUa0qbCkLqNKoRqFKr/qBqNasOrFq7
1uDqNSwMsGLLriBrNq0JtGrTsm1b9i3csHLndq1rNyvevFX38o06IrDgwYQLGz6MOLHixYwNFAAA
Ow==
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0033.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0033_image023.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0033_image023.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0034.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0034_image024.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0034_image024.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0035.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0035_image025.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0035_image025.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0037.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0037_image026.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0037_image026.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0038.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
![](3D"slide0038_image027.gif")
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0038_image027.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/master01.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/master03_stylesheet.css
Content-Transfer-Encoding: base64
Content-Type: text/css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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/script.js
Content-Transfer-Encoding: quoted-printable
Content-Type: application/javascript; charset="us-ascii"
function LoadSld()
{
var sld=3DGetObj("SlideObj")
if( !g_supportsPPTHTML ) { =09
sld.style.visibility=3D"visible"
return
}
if( MakeNotesVis() ) return
runAnimations =3D _InitAnimations();
=09
if( IsWin("PPTSld") )
parent.SldUpdated(GetSldId())
g_origSz=3DparseInt(SlideObj.style.fontSize)
g_origH=3Dsld.style.posHeight
g_origW=3Dsld.style.posWidth
g_scaleHyperlinks=3D(document.all.tags("AREA").length>0)
if( g_scaleHyperlinks )
InitHLinkArray()
if( g_scaleInFrame||(IsWin("PPTSld") && parent.IsFullScrMode() ) )
document.body.scroll=3D"no"
_RSW()
if( IsWin("PPTSld") && parent.IsFullScrMode() )
FullScrInit();
=09
MakeSldVis();
ChkAutoAdv()
if( runAnimations )
{
if( document.all("NSPlay") )
document.all("NSPlay").autoStart =3D false;
if( sld.filters && sld.filters.revealtrans )
setTimeout( "document.body.start()", sld.filters.revealtrans.duration * =
1000 );
else
document.body.start();
}
}
function MakeSldVis()=20
{
var fTrans=3Dg_showAnimation && SldHasTrans()
if( fTrans )=09
{
if( g_bgSound ) {
idx=3Dg_bgSound.indexOf(",");
pptSound.src=3Dg_bgSound.substr( 0, idx );
pptSound.loop=3D -(parseInt(g_bgSound.substr(idx+1)));
}
SlideObj.filters.revealtrans.Apply()=09
}
SlideObj.style.visibility=3D"visible"
if( fTrans )
SlideObj.filters.revealtrans.Play()
}
function MakeNotesVis()=20
{
if( !IsNts() ) return false=20
SlideObj.style.display=3D"none"
nObj =3D document.all.item("NotesObj")
parent.SetHasNts(0)
if( nObj ) {=20
nObj.style.display=3D""
parent.SetHasNts(1)
}
return 1
}
function ChkAutoAdv()
{
if(SldHasTrans())
SlideObj.onfilterchange=3DAutoAdv
else
AutoAdv()
}
function AutoAdv()
{
if(!IsWin("PPTSld") || !gUseSldTimings )return
var sld=3DGetCurSld()
if( (sld.mAdvDelay>0) && !parent.IsFramesMode() )
setTimeout("parent.GoToNextSld()",sld.mAdvDelay)
}
function GetObj(id)
{
if(g_supportsPPTHTML) return document.all(id);
else return document.getElementById(id);
}
function SldHasTrans() { return SlideObj.style.filter !=3D ""; }
function GetSldId()=20
{
var regExp =3D /file:\/\/\//i
var pos =3D location.href.search(regExp)
if (MHTMLPrefix !=3D "" && pos !=3D -1)
sId =3D location.href.substring(pos)
else
{
sId =3D RemoveFilePrefixFromHref(location.href);
var regExp =3D /\//
var fixedHref =3D sId
var pos =3D -1
=09
pos =3D fixedHref.search(regExp)
while (pos !=3D -1)
{
fixedHref =3D fixedHref.replace(regExp, "\\")
pos =3D fixedHref.search(regExp)
}
=09
if (g_fBaseHyperlink =3D=3D true)
sId =3D "file:///" + fixedHref;
else
sId =3D fixedHref.substring(fixedHref.lastIndexOf('\\') + 1)
}
=09
return sId
}
function HideMenu() { if( frames["PPTSld"] && PPTSld.document.all.item("ctx=
tmenu") && PPTSld.ctxtmenu.style.display!=3D"none" ) { PPTSld.ctxtmenu.styl=
e.display=3D'none'; return true } return false }
function IsWin( name ) { return window.name =3D=3D name }
function IsNts() { return IsWin("PPTNts") }
function IsSldOrNts() { return( IsWin("PPTSld")||IsWin("PPTNts") ) }
function SupportsPPTAnimation() { return( navigator.platform =3D=3D "Win32"=
&& navigator.appVersion.indexOf("Windows")>0 ) }
function SupportsPPTHTML()
{
var appVer=3Dnavigator.appVersion, msie=3DappVer.indexOf("MSIE "), ver=3D0
if( msie >=3D 0 )
ver=3DparseFloat( appVer.substring( msie+5, appVer.indexOf(";",msie) ) )
else
ver=3DparseInt(appVer)
return( ver >=3D 4 && msie >=3D 0 )
}
function _RSW()
{
if( !g_supportsPPTHTML || IsNts() ||
( !g_scaleInFrame && (!IsWin("PPTSld") || !parent.IsFullScrMode()) ) )
return
var padding=3D0;
if( IsWin("PPTSld") && parent.IsFramesMode() ) padding=3D6
cltWidth=3Ddocument.body.clientWidth-padding
cltHeight=3Ddocument.body.clientHeight-padding
factor=3D(1.0*cltWidth)/g_origW
if( cltHeight < g_origH*factor )
factor=3D(1.0*cltHeight)/g_origH
newSize =3D g_origSz * factor
if( newSize < 1 ) newSize=3D1
s=3DSlideObj.style
s.fontSize=3DnewSize+"px"
s.posWidth=3Dg_origW*factor
s.posHeight=3Dg_origH*factor
s.posLeft=3D(cltWidth-s.posWidth+padding)/2
s.posTop=3D(cltHeight-s.posHeight+padding)/2
if( g_scaleHyperlinks )
ScaleHyperlinks( factor )
}
function _InitAnimations()
{
animRuntimeInstalled =3D ''+document.body.localTime !=3D 'undefined';
isFullScreen =3D (window.name =3D=3D "PPTSld") && !parent.IsFramesMode();
g_animUseRuntime =3D g_showAnimation && animRuntimeInstalled && !(isFullSc=
reen && parent.IsSldVisited());
if( g_animUseRuntime ) {
collSeq =3D document.all.tags("seq");
if( collSeq !=3D null ) {
for(ii=3D0;ii numSlds )
gSldJumpIdx =3D numSlds;
if ( gSldJumpIdx >=3D 0 ) {
if ( gSldJumpIdx =3D=3D 0 )
gSldJumpIdx =3D 1;
var jumpTo =3D parseInt(gSldJumpIdx);
gSldJump =3D 0; gSldJumpIdx =3D "";
win.GoToSld( parent.GetSldList().mList[jumpTo-1].mSldHref )
}
}
}
function _KDH()
{
if( event.keyCode =3D=3D 8 ) {
event.returnValue =3D 0;
parent.GoToPrevSld();
}
}
function DocumentOnClick()
{
if( IsNts() || parent.HideMenu() ) return;
if( ( g_allowAdvOnClick && !parent.IsFramesMode() ) ||
(event && (event.keyCode=3D=3D32) ) )
parent.GoToNextSld();
}
var g_supportsPPTHTML =3D SupportsPPTHTML(), g_scaleInFrame =3D 1, gId=3D""=
, g_bgSound=3D"",
g_scaleHyperlinks =3D false, g_allowAdvOnClick =3D 1, g_showInBrowser =
=3D 0, gLoopCont =3D 0, gUseSldTimings =3D 1;
var g_showAnimation =3D g_supportsPPTHTML && SupportsPPTAnimation() && ( (w=
indow.name=3D=3D"PPTSld" && !parent.IsFramesMode()) || g_showInBrowser );va=
r g_animManager =3D null;
var g_animUseRuntime =3D false;
var g_animItemsToHide, g_animInteractiveItems, g_animSlideTime;
var g_animMainSequence =3D null;
var ENDSHOW_MESG=3D"End of slide show, click to exit.", SCREEN_MODE=3D"Fram=
es", gIsEndShow=3D0, NUM_VIS_SLDS=3D25, SCRIPT_HREF=3D"script.js", FULLSCR_=
HREF=3D"fullscreen.htm";
var gCurSld =3D gPrevSld =3D 1, g_offset =3D 0, gNtsOpen =3D gHasNts =3D gO=
tlTxtExp =3D 0, gHasNarration =3D 0, gOtlOpen =3D true
window.gPPTHTML=3DSupportsPPTHTML()
var g_fBaseHyperlink =3D false;
var gMainDoc=3Dnew Array(new hrefList("slide0007.htm",1,-1,1),new hrefList(=
"slide0008.htm",1,-1,1),new hrefList("slide0002.htm",1,-1,1),new hrefList("=
slide0021.htm",1,-1,1),new hrefList("slide0009.htm",1,-1,1),new hrefList("s=
lide0024.htm",1,-1,1),new hrefList("slide0019.htm",1,-1,1),new hrefList("sl=
ide0020.htm",1,-1,1),new hrefList("slide0018.htm",1,-1,1),new hrefList("sli=
de0010.htm",1,-1,1),new hrefList("slide0011.htm",1,-1,1),new hrefList("slid=
e0013.htm",1,-1,1),new hrefList("slide0023.htm",1,-1,1),new hrefList("slide=
0015.htm",1,-1,1),new hrefList("slide0016.htm",1,-1,1),new hrefList("slide0=
028.htm",1,-1,1),new hrefList("slide0030.htm",1,-1,1),new hrefList("slide00=
31.htm",1,-1,1),new hrefList("slide0036.htm",1,-1,1),new hrefList("slide003=
2.htm",1,-1,1),new hrefList("slide0033.htm",1,-1,1),new hrefList("slide0034=
.htm",1,-1,1),new hrefList("slide0035.htm",1,-1,1),new hrefList("slide0037.=
htm",1,-1,1),new hrefList("slide0038.htm",1,-1,1));
/*********************************************
Frameset functions
These functions control slide navigation
and state of the frameset.
**********************************************/
function RemoveFilePrefixFromHref(href)
{
var regExp =3D /^file:\/\/\//i;
return href.replace(regExp, "")
}
function FullScrInit()
{
g_allowAdvOnClick =3D GetCurSld().mAdvOnClk
document.body.style.backgroundColor=3D"black"
document.oncontextmenu=3Dparent._CM;
document.onkeydown =3D _KDH;
document.ondragstart=3DCancel
document.onselectstart=3DCancel
self.focus()
}
function Redirect( frmId )
{=09
var str=3Ddocument.location.hash,idx=3Dstr.indexOf('#'), sId=3DGetSldId()
if(idx>=3D0) str=3Dstr.substr(1);
if( window.name !=3D frmId && ( sId !=3D str) ) {
obj =3D GetObj("Main-File")
window.location.href=3Dobj.href+"#"+sId
return 1
}
return 0
}
var MHTMLPrefix =3D CalculateMHTMLPrefix();=20
function CalculateMHTMLPrefix()
{
if ( document.location.protocol =3D=3D 'mhtml:') {=20
href=3Dnew String(document.location.href)=20
Start=3Dhref.indexOf('!')+1=20
End=3Dhref.lastIndexOf('/')+1=20
if (End < Start)=20
return href.substring(0, Start)=20
else=20
return href.substring(0, End)=20
}
return '';
}
function GetTags(base,tag)
{
if(g_supportsPPTHTML) return base.all.tags(tag);
else return base.getElementsByTagName(tag);
}
function UpdNtsPane(){ if(frames["PPTNts"]) PPTNts.location.replace( MHTMLP=
refix+GetHrefObj( gCurSld ).mNtsHref ) }
function UpdNavPane( sldIndex ){ if(gNavLoaded) PPTNav.UpdNav() }
function UpdOtNavPane(){ if(gOtlNavLoaded) PPTOtlNav.UpdOtlNav() }
function UpdOtlPane(){ if(gOtlLoaded) PPTOtl.UpdOtl() }
function SetHasNts( fVal )
{
if( gHasNts !=3D fVal ) {
gHasNts=3DfVal
UpdNavPane()
}
}
function ToggleOtlText()
{
gOtlTxtExp=3D!gOtlTxtExp
UpdOtlPane()
}
function ClearMedia()
{
// Clear any sounds playing before launching another browser window. Other=
wise,
// in fullscreen mode, you'll continue to hear the sound in the frames mod=
e.
if (PPTSld.pptSound) PPTSld.pptSound.loop =3D 0;
}
function FullScreen()
{=20
if ( PPTSld.g_animUseRuntime )
PPTSld.document.body.pause();
ClearMedia();
var href =3D ( document.location.protocol =3D=3D 'mhtml:') ? FULLSCR_HREF =
: FULLSCR_HREF+"#"+GetHrefObj(gCurSld).mSldHref;
if (MHTMLPrefix !=3D "")
href =3D RemoveFilePrefixFromHref(href)
if(PPTNav.event.ctrlKey) {
var w =3D (window.screen.availWidth * 1.0) / 2.0
var h =3D w * (PPTSld.g_origH * 1.0) / PPTSld.g_origW
win =3D window.open( MHTMLPrefix+href,null,"toolbar=3D0,resizable=3D1,top=
=3D0,left=3D0," + "width=3D"+ w + ",height=3D" + h );
if( win.document.body && PPTSld.g_animUseRuntime )
win.document.body.PPTSldFrameset=3Dwindow;
}
else
{
win =3D window.open( MHTMLPrefix+href,null,"fullscreen=3Dyes" );
if( win.document.body && PPTSld.g_animUseRuntime )
win.document.body.PPTSldFrameset=3Dwindow;
}
}
function ToggleVNarration()
{
rObj=3DPPTSld.document.all("NSPlay")
if( rObj && !PPTSld.g_animUseRuntime ) {
if( (rObj.playState =3D=3D 1)||(rObj.playState =3D=3D 0) )
rObj.Play()
else if( rObj.playState =3D=3D 2 )
rObj.Pause()
else
return;
}
else if( PPTSld.g_animUseRuntime )
{
narObj =3D PPTSld.document.all("narrationID")
if( narObj )
narObj.togglePause()
}
}
function GetCurSldNum()
{ =20
obj=3DGetHrefObj(gCurSld)
if( obj.mOrigVis =3D=3D 1 )
return obj.mSldIdx
else =20
return gCurSld
}
function GetNumSlds()
{ =20
if( GetHrefObj(gCurSld).mOrigVis =3D=3D 1 )
return GetSldList().mNumVisSlds;
else
return GetSldList().mList.length
}
function GetSldNum( href )
{
for(ii=3D0; ii 1 )
PopSldList();
else if( !IsFramesMode() ) {
if( gLoopCont )
GoToFirst()
else
EndShow()
}
}
function GoToPrevSld()
{
ii=3DgCurSld-1
if( ii > 0 ) {
obj=3DGetHrefObj(ii)
while ( obj && ( obj.mVis =3D=3D 0 ) && ( ii>0 ) )
obj=3DGetHrefObj(--ii)
if( ii =3D=3D 0 ) ii=3D1
GoToSldNum(ii)
}
}
function GoToFirst(){ GoToSld( GetHrefObj(1).mSldHref ) }
function GoToLast()
{
ii=3DGetSldList().mList.length
if( ii !=3D gCurSld )
GoToSld( GetHrefObj(ii).mSldHref )
}
function GoToSldNum( num )
{
if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue
obj =3D GetHrefObj( num )
obj.mVis=3D1
gPrevSld=3DgCurSld
gCurSld =3D num;
=09
if (MHTMLPrefix !=3D "")
PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(obj.mSldHref=
))
else
PPTSld.location.replace(obj.mSldHref)
=09
if( IsFramesMode() ) {
UpdNavPane(); UpdOtlPane(); UpdNtsPane()
}
}
function GoToSld( href )
{
if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue
GetHrefObj( GetSldNum(href) ).mVis=3D1
if (MHTMLPrefix !=3D "")
PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(href))
else
PPTSld.location.replace(href)
}
function SldUpdated( id )
{
if( id =3D=3D GetHrefObj(gCurSld).mSldHref ) return
gPrevSld=3DgCurSld
gCurSld=3DGetSldNum(id)
if( IsFramesMode() ) {
UpdNavPane(); UpdOtlPane(); UpdNtsPane()
}
}
function PrevSldViewed(){ GoToSld( GetHrefObj(gPrevSld).mSldHref ) }
function HasPrevSld() { return ( gIsEndShow || ( gCurSld !=3D 1 && GetHrefO=
bj( gCurSld-1 ).mVis =3D=3D 1 )||( GetCurSldNum() > 1 ) ) }
function HasNextSld() { return (GetCurSldNum() !=3D GetNumSlds()) }
function CloseWindow() {
if( HideMenu() ) return;
=09
var event =3D PPTSld.event;
if( !IsFramesMode() && event && (event.keyCode=3D=3D27 || event.keyCode=3D=
=3D32 || event.type=3D=3D"click" ) )
window.close( self );
CatchNumKeys( self, event );
}
function Unload() { gIsEndShow=3D0; }
function SetupEndShow() {
gIsEndShow=3D1;
PPTSld.document.body.scroll=3D"no";
PPTSld.document.onkeypress=3DCloseWindow;
PPTSld.document.onclick=3DCloseWindow;
PPTSld.document.oncontextmenu=3D_CM;
}
function EndShow()
{
if( IsFramesMode() ) return
if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue
doc=3DPPTSld.document
var dir =3D doc.body.dir
if( dir !=3D "rtl" ) dir =3D "ltr";
doc.open()
doc.writeln(' 0) {
PushSldList(sldList,fEnd);
gCurSld =3D 1;
}
else
if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue
}
function PushSldList(arr,fEnd) {
var ii =3D gSldStack.length;
gSldStack[ii] =3D new SldList(arr,gCurSld,fEnd);
GoToSld( gSldStack[ii].mList[0].mSldHref );
}
function PopSldList() {
if (gSldStack[gSldStack.length-1].fEndShow)
EndShow()
else {
gCurSld =3D gSldStack[gSldStack.length-1].mCurSld;
gSldStack[gSldStack.length-1] =3D null;
gSldStack.length--;
var sldList =3D gSldStack[gSldStack.length-1];
GoToSld( sldList.mList[gCurSld - 1].mSldHref );
}
}
var custShowList=3Dnew Array();
/*********************************************
Navigation button implementation
There are 2 types of buttons: ImgBtn, TxtBtn
implemented as function objects. They share
a similiar interface so the event handlers
can call SetActive, for example, on a button=20
object without needing to know exactly=20
what type of button it is.
**********************************************/
//----------------------------------
function ImgBtn( oId,bId,w,action )
//----------------------------------
{
var t=3Dthis
t.Perform =3D _IBP
t.SetActive =3D _IBSetA
t.SetInactive=3D _IBSetI
t.SetPressed =3D _IBSetP
t.SetDisabled=3D _IBSetD
t.Enabled =3D _IBSetE
t.ChangeIcon =3D null
t.UserAction =3D action
t.ChgState =3D _IBUI
t.mObjId =3D oId
t.mBorderId=3D bId
t.mWidth =3D w
t.mIsOn =3D t.mCurState =3D 0
}
function _IBSetA()
{
if( this.mIsOn ) {
obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 )
obj.style.posTop=3D0
}
}
function _IBSetI()
{
if( this.mIsOn ) {
obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 )
obj.style.posTop=3D0=20
}
}
function _IBSetP()
{
if( this.mIsOn ) {
obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 )
obj.style.posLeft+=3D1; obj.style.posTop+=3D1
}
}
function _IBSetD()
{ =20
obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 )
obj.style.posTop=3D0=20
}
function _IBSetE( state )
{
var t=3Dthis
GetObj( t.mBorderId ).style.visibility=3D"visible"
if( state !=3D t.mIsOn ) {
t.mIsOn=3Dstate
if( state )
t.SetInactive()
else
t.SetDisabled()
}
}
function _IBP()
{
var t=3Dthis
if( t.mIsOn ) {
if( t.UserAction !=3D null )
t.UserAction()
if( t.ChangeIcon ) {
obj=3DGetObj(t.mObjId)
if( t.ChangeIcon() )
obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth
else
obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth
}
t.SetActive()
} =20
}
function _IBUI( clr1,clr2,nextState )
{
var t=3Dthis
SetBorder( GetObj( t.mBorderId ),clr1,clr2 )
obj=3DGetObj( t.mObjId )
obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj=
.style.posTop
t.mCurState=3DnextState
return obj
}
//-----------------------------------------
function TxtBtn( oId,oeId,action,chkState )
//-----------------------------------------
{
var t=3Dthis
t.Perform =3D _TBP
t.SetActive =3D _TBSetA
t.SetInactive=3D _TBSetI
t.SetPressed =3D _TBSetP
t.SetDisabled=3D _TBSetD
t.SetEnabled =3D _TBSetE
t.GetState =3D chkState
t.UserAction =3D action
t.ChgState =3D _TBUI
t.mObjId =3D oId
t.m_elementsId=3D oeId
t.mIsOn =3D 1
}
function _TBSetA()
{
var t=3Dthis
if( t.mIsOn && !t.GetState() )
t.ChgState( gHiliteClr,gShadowClr,0,0 )
}
function _TBSetI()
{
var t=3Dthis
if( t.mIsOn && !t.GetState() )
t.ChgState( gFaceClr,gFaceClr,0,0 )
}
function _TBSetP()
{
if( this.mIsOn )
this.ChgState( gShadowClr,gHiliteClr,1,1 )
}
function _TBSetD()
{ =20
this.ChgState( gFaceClr,gFaceClr,0,0 )
this.mIsOn =3D 0
}
function _TBSetE()
{
var t=3Dthis
if( !t.GetState() )
t.ChgState( gFaceClr,gFaceClr,0,0 )
else
t.ChgState( gShadowClr,gHiliteClr,1,1 )
t.mIsOn =3D 1
}
function _TBP()
{
var t=3Dthis
if( t.mIsOn ) {=20
if( t.UserAction !=3D null )
t.UserAction()
if( !t.GetState )
return
if( t.GetState() )
t.SetPressed()
else
t.SetActive()
} =20
}
function _TBUI( clr1,clr2,lOffset,tOffset )
{
SetBorder( GetObj( this.mObjId ),clr1,clr2 )
Offset( GetObj( this.m_elementsId ),lOffset,tOffset )
}
function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle=
ft }
function SetBorder( obj, upperLeft, lowerRight )
{
s=3Dobj.style;
s.borderStyle =3D "solid"
s.borderWidth =3D 1=20
s.borderLeftColor =3D s.borderTopColor =3D upperLeft
s.borderBottomColor=3D s.borderRightColor =3D lowerRight
}
function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] }
function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() }
function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() }
function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() }
function BtnOnUp()
{
b=3DGetBtnObj()
if( b !=3D null )
b.Perform()
else
Upd()
}
function GetNtsState(){ return parent.gNtsOpen }
function GetOtlState(){ return parent.gOtlOpen }
function GetOtlTxtState(){ return parent.gOtlTxtExp }
function NtsBtnSetFlag( fVal )
{
s=3Ddocument.all.item( this.m_flagId ).style
s.display=3D"none"
if( fVal )
s.display=3D""
else
s.display=3D"none"
}
function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etActive() }
function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etInactive() }
function _BSetP_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etPressed() }
function _BSetA_BorderImg()
{=20
b =3D gBtnArr[this.mBorderId]=20
if( b !=3D null && this.mIsOn && !b.GetState() ) {
obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 )
obj.style.posTop=3D0
}
}
function _BSetI_BorderImg()
{=20
b =3D gBtnArr[this.mBorderId]
if( b !=3D null && this.mIsOn && !b.GetState() ) {
obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 )
obj.style.posTop=3D0
}
}
var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"=
THREEDFACE"
var gBtnArr =3D new Array()
gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan=
e,GetOtlState )
gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt=
lPane,GetOtlState )
gBtnArr["nb_nts"] =3D new ImgBtn( "nb_nts","nb_ntsBorder",10,parent.ToggleN=
tsPane )
gBtnArr["nb_nts"].SetActive =3D _BSetA_BorderImg;
gBtnArr["nb_nts"].SetInactive =3D _BSetI_BorderImg;
gBtnArr["nb_ntsBorder"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.=
ToggleNtsPane,GetNtsState )
gBtnArr["nb_ntsElem"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.To=
ggleNtsPane,GetNtsState )
gBtnArr["nb_prevBorder"] =3D gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","n=
b_prevBorder",30,parent.GoToPrevSld )
gBtnArr["nb_nextBorder"] =3D gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","n=
b_nextBorder",30,parent.GoToNextSld )
gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent=
.FullScreen )
gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa=
rent.FullScreen,null )
gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border;
gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border;
gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent=
.FullScreen,null )
gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border;
gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border;
gBtnArr["nb_voice"] =3D gBtnArr["nb_voiceBorder"] =3D new ImgBtn( "nb_voice=
","nb_voiceBorder",18,parent.ToggleVNarration )
gBtnArr["nb_otlTxtBorder"] =3D gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlT=
xt","nb_otlTxtBorder",23,parent.ToggleOtlText )
gBtnArr["nb_ntsBorder"].m_flagId=3D "nb_nts"
gBtnArr["nb_ntsBorder"].SetFlag =3D NtsBtnSetFlag
gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState
/*********************************************
Context menu implementation
_CM() is the function that's hooked up to
the oncontextmenu event. Once we're asked to
show the menu, we first build it by creating
DIVs on-the-fly. Then we position it=20
within the screen area so it doesn't get
clipped.
Creating the DIVs using createElement() means
we don't have to write out any extra HTML
into the slide HTML files.
**********************************************/
var sNext=3D"Next",sPrev=3D"Previous",sEnd=3D"End Show",sFont=3D"Arial",sAr=
row=3D"Arrow",sFreeform=3D"Freeform",sRect=3D"Rectangle",sOval=3D"Oval"
function ShowMenu()
{
BuildMenu();
var doc=3DPPTSld.document.body,x=3DPPTSld.event.clientX+doc.scrollLeft,y=
=3DPPTSld.event.clientY+doc.scrollTop
m =3D PPTSld.document.all.item("ctxtmenu")
m.style.pixelLeft=3Dx
if( (x+m.scrollWidth > doc.clientWidth)&&(x-m.scrollWidth > 0) )
m.style.pixelLeft=3Dx-m.scrollWidth
m.style.pixelTop=3Dy
if( (y+m.scrollHeight > doc.clientHeight)&&(y-m.scrollHeight > 0) )
m.style.pixelTop=3Dy-m.scrollHeight
m.style.display=3D""
}
function _CM()
{
if( !parent.IsFullScrMode() ) return;
if(!PPTSld.event.ctrlKey) {
ShowMenu()
return false
} else
HideMenu()
}
function BuildMenu()
{
if( PPTSld.document.all.item("ctxtmenu") ) return
var mObj=3DCreateItem( PPTSld.document.body )
mObj.id=3D"ctxtmenu"
mObj.style.visibility=3D"hidden"
var s=3DmObj.style
s.position=3D"absolute"
s.cursor=3D"default"
s.width=3D"120px"
SetCMBorder(mObj,"menu","black")
var iObj=3DCreateItem( mObj )
SetCMBorder( iObj, "threedhighlight","threedshadow" )
iObj.style.padding=3D2
CreateMenuItem( iObj,sNext,M_GoNextSld,M_True )
CreateMenuItem( iObj,sPrev,M_GoPrevSld,M_HasPrevSld )
=09
CreateSeparator( iObj )
CreateMenuItem( iObj,sEnd,M_End,M_True )
mObj.style.visibility=3D"visible"
}
function Cancel() { window.event.cancelBubble=3Dtrue; window.event.returnVa=
lue=3Dfalse }
function Highlight() { ChangeClr("activecaption","threedhighlight") }
function Deselect() { ChangeClr("threedface","menutext") }
function Perform()
{
e=3DPPTSld.event.srcElement
if( e.type=3D=3D"menuitem" && e.IsActive() )
e.Action()
else
PPTSld.event.cancelBubble=3Dtrue
}
function ChangeClr( bg,clr )
{
e=3DPPTSld.event.srcElement
if( e.type=3D=3D"menuitem" && e.IsActive() ) {
e.style.backgroundColor=3Dbg
e.style.color=3Dclr
}
}
function M_HasPrevSld() { return( parent.HasPrevSld() ) }
function M_GoNextSld() { if( gIsEndShow ) M_End(); else GoToNextSld() }
function M_GoPrevSld() { if( gIsEndShow ) { gIsEndShow=3D0; history.back();=
PPTSld.event.cancelBubble=3Dtrue; } else GoToPrevSld() }
function M_True() { return true }
function M_End() { window.close( self ) }
function CreateMenuItem( node,text,action,eval )
{
var e=3DCreateItem( node )
e.type=3D"menuitem"
e.Action=3Daction
e.IsActive=3Deval
e.innerHTML=3Dtext
if( !e.IsActive() )
e.style.color=3D"threedshadow"
e.onclick=3DPerform
e.onmouseover=3DHighlight
e.onmouseout=3DDeselect
s=3De.style;
s.fontFamily=3DsFont
s.fontSize=3D"9pt"
s.paddingLeft=3D2
}
function CreateSeparator( node )
{
var sObj=3DCreateItem( node )
SetCMBorder(sObj,"menu","menu")
var s=3DsObj.style
s.borderTopColor=3D"threedshadow"
s.borderBottomColor=3D"threedhighlight"
s.height=3D1
s.fontSize=3D"0px"
}
function CreateItem( node )
{
var elem=3DPPTSld.document.createElement("DIV")
node.insertBefore( elem )
return elem
}
function SetCMBorder( o,ltClr,rbClr )
{
var s=3Do.style
s.backgroundColor=3D"menu"
s.borderStyle=3D"solid"
s.borderWidth=3D1
s.borderColor=3DltClr+" "+rbClr+" "+rbClr+" "+ltClr
}
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/fullscreen.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
Slide 1
------=_NextPart_01C80C1F.D45B93B0--
b =3D $4,800&=
#13;
<=
span
style=3D'font-size:90%'>3)<=
/span>Estimated AGI $45,000.
c =3D $45,000=
4)Subtract 150% of poverty (a) from AGI (c) to calculate the “amount by which AGI exceeds 150% of =
poverty” (d).
c – a =
=3D
d
$45,000 - $15,315 =3D $29,685
5)Calculate 15% of the amount by which AGI exceeds 150% of =
poverty (d).
(.15)d =3D e
(.15)($29,685) =3D $4,452.75
=
6)<=
/span>If b > e, you have a “Partial Financial Hardship”.
$4,800 >
$4,452.75
Partial Financial Hardship
Calculating Monthly Payments
=
226;Annual
IBR payment is capped at “15% of the amount by which
AGI exceeds 150% of poverty”.
<=
/div>
------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0016_image017.gif
Content-Transfer-Encoding: base64
Content-Type: image/gif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------=_NextPart_01C80C1F.D45B93B0
Content-Location: file:///C:/CE52D061/CCRAA_files/slide0028.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
=
226;In
our example with estimated student debt of $30,000 and
estimated AGI of $45,000, the annual IBR payment is
$4,452.75.
=
226;Calculate
monthly student loan payments by dividing by 12.
<=
/div>
&=
#8226;$4,452.75
/ 12 =3D $371
What happens if the monthly payment does not cover interest?
<=
span
style=3D'visibility:hidden'>•
•The gover=
nment
will pay unpaid interest for three years, only for subsidized Staffo=
rd
loans.
<=
span
style=3D'visibility:hidden'>•
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%'>•The rest =
of the
interest is capitalized.
<=
span
style=3D'visibility:hidden'>•
•The
borrower’s standard ten year payments are calculated on the
balance due prior to capitalization.
O=
ther
Key Provisions
<=
span
style=3D'visibility:hidden'>•
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%'>•IBR goes =
into
effect July 1, 2009.
<=
span
style=3D'visibility:hidden'>•
•If a borr=
ower
chooses to leave IBR or no longer qualifies, his payments at =
that
point must not exceed the amount he would have paid each mo=
nth
under a standard plan before he chose IBR.
Public Service Forgiveness
<=
span
style=3D'visibility:hidden'>•
•If a borr=
ower
makes ten years of payments while engaged in full-time publ=
ic
service, the unpaid balance is forgiven by the federal
government.
“Public Service” Employm=
ent
Defined
•a full-time job in emergency management, governmen=
t,
military service, public sa=
fety,
law enforcement, public health, public education (including early childhood education), s=
ocial
work in a public child or fam=
ily
service agency, public interest law
services (inc=
luding
prosecution or public defense or legal advocacy in =
low-income communities at a nonprofit organizat=
ion), public child
care, public service for individuals with disabilities, public service for the elderly, public library sciences,
school-based library science=
s and
other school-based services, or at=
an
organization that=
is
described in section 501(c)(3) of the IRS Code and exempt from taxation, or teaching as a full-time faculty member at a Tribal College or University and other faculty
teaching in high-needs a=
reas,
as determined by the Secretary
Example
•Jane Justice started=
out
owing $100,000 in qualifying debt at 6.8% interest and took a
full-time public service job paying $40,000 to start with ann=
ual
increases of 5%.
<=
span
style=3D'visibility:hidden'>•
•Jane stay=
ed in
public service and paid $49,132 over 10 years under the IBR plan.&=
#13;
<=
span
style=3D'visibility:hidden'>•
•The fe=
deral
government cancels $118,868, the principal and interest
remaining.
Tax Consequences
<=
span
style=3D'visibility:hidden'>•
<=
span
class=3DBB style=3D'position:absolute;left:-4.11%'>•The amount
cancelled will likely be taxable income.
<=
span
style=3D'visibility:hidden'>•
<=
span
class=3DBB style=3D'position:absolute;left:-4.26%'>•We hope C=
ongress
will address this critical issue.
Public Service Forgiveness =
for Direct
Loans Only
<=
span
style=3D'visibility:hidden'>•
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%'>•Only Dire=
ct loans
are eligible for forgiveness.
<=
span
style=3D'visibility:hidden'>•
•Borrowers=
with
other government loans can consolidate with Direct Loans in orde=
r to
obtain this benefit, assuming they are eligible to
consolidate.
When can I start counting =
my
service toward forgiveness?
<=
span
style=3D'visibility:hidden'>•
•Borrowers=
who
have federal direct loans or who have consolidated into federal
direct consolidation loans may begin counting time in pu=
blic
service beginning October 1, 2007.
Additional Resources
•Professor Philip
Schrag’s Law Review article: http://ww=
w.law.georgetown.edu/news/documents/Forgiv eness.pdf=
http://www.finaid.org/calcul=
ators/ibr.phtml
•Federal d=
irect
consolidation loan information and applications:
<=
span
style=3D'visibility:hidden'>•
•IBR month=
ly
repayment calculator: ‹header›
‹date/time›=
Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
‹footer›
‹#›
' + ENDSHOW_MESG + '
![](3D"notes_flag.gif")
No=
tes![](3D"buttons.gif")
![](3D"slide0007_image003.gif"){kind=link}