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<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>FYI!!<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Brenda<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p>&nbsp;</o:p></span></font></p>

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<p class=MsoNormal><font size=3 color=navy face="Berlin Sans FB Demi"><span
style='font-size:12.0pt;font-family:"Berlin Sans FB Demi";color:navy'>Dr.
Brenda Moore, Dept. Head</span></font><font color=navy><span style='color:navy'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=3 color=navy face="Berlin Sans FB Demi"><span
style='font-size:12.0pt;font-family:"Berlin Sans FB Demi";color:navy'>Department
of Social Work</span></font><font color=navy><span style='color:navy'><o:p></o:p></span></font></p>

<p class=MsoNormal><st1:address w:st="on"><st1:Street w:st="on"><font size=3
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 color:navy'> 3011</span></font></st1:address><font color=navy><span
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  font-family:"Berlin Sans FB Demi";color:navy'>Commerce</span></font></st1:City><font
 color=navy face="Berlin Sans FB Demi"><span style='font-family:"Berlin Sans FB Demi";
 color:navy'>, <st1:State w:st="on">Texas</st1:State>&nbsp; <st1:PostalCode
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color=navy><span style='color:navy'><o:p></o:p></span></font></p>

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<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
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<p class=MsoNormal style='margin-bottom:12.0pt'><b><font size=2 face=Tahoma><span
style='font-size:10.0pt;font-family:Tahoma;font-weight:bold'>From:</span></font></b><font
size=2 face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'> Vicki
Hansen [mailto:vhansen@naswtx.org] <br>
<b><span style='font-weight:bold'>Sent:</span></b> Thursday, September 27, 2007
8:11 AM<br>
<b><span style='font-weight:bold'>To:</span></b> Dennis Haynes<br>
<b><span style='font-weight:bold'>Subject:</span></b> Loan Forgiveness for
Social Workers update - would this be appropriate for the listserv?</span></font><o:p></o:p></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%"
 bgcolor=white style='width:100.0%;background:white'>
 <tr>
  <td valign=top style='padding:0in 0in 0in 0in'>
  <p class=copyright><st1:date ls="trans" Month="9" Day="21" Year="2007" w:st="on"><font
   size=1 color="#797951" face=Arial><span style='font-size:7.5pt;font-family:
   Arial'>September 21, 2007</span></font></st1:date><font face=Arial><span
  style='font-family:Arial'><o:p></o:p></span></font></p>
  <h3><strong><b><font size=4 color="#660000" face=Arial><span
  style='font-size:14.5pt;font-family:Arial'>Victory for the Social Work
  Reinvestment Initiative:&nbsp; Loan Forgiveness for Social Workers in the
  College Cost Reduction Act of 2007!</span></font></b></strong><o:p></o:p></h3>
  <p style='line-height:11.25pt'><font size=1 face=Arial><span
  style='font-size:9.0pt;font-family:Arial'>NASW has been working to secure
  student loan forgiveness legislation for social workers for many years.
  Thanks to grassroots member advocacy and the work of NASW lobbyists, a major
  victory has been scored in support for students and social workers
  nationwide: On September 7,&nbsp; &nbsp;2007, Congress passed H.R. 2669,
  &#8220;The College Cost Reduction Act of 2007&#8221; which amounts to the
  most sweeping changes to federal student aid programs in more than a decade.
  The President is expected to sign it shortly. Most of the changes will take
  effect on <st1:date ls="trans" Month="10" Day="1" Year="2007" w:st="on">October
   1, 2007</st1:date>.&nbsp; Here are some the specifics of the bill:<o:p></o:p></span></font></p>
  <ul type=disc>
   <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:11.25pt;mso-list:l0 level1 lfo1'><font size=1
       face=Arial><span style='font-size:9.0pt;font-family:Arial'>Loan
       forgiveness would be offered to those who hold public service jobs
       (including social workers in a public child or family service agency)
       after 10 years of service.&nbsp;&nbsp;&nbsp; <o:p></o:p></span></font></li>
   <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:11.25pt;mso-list:l0 level1 lfo1'><font size=1
       face=Arial><span style='font-size:9.0pt;font-family:Arial'>The interest
       rate on subsidized student loans would be cut in half, from 6.8 percent
       to 3.4 percent, over four years beginning in 2008. <o:p></o:p></span></font></li>
   <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:11.25pt;mso-list:l0 level1 lfo1'><font size=1
       face=Arial><span style='font-size:9.0pt;font-family:Arial'>The maximum
       Pell grant award would increase by $490 in 2008 to $1,090 by 2012-2013. <o:p></o:p></span></font></li>
   <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:11.25pt;mso-list:l0 level1 lfo1'><font size=1
       face=Arial><span style='font-size:9.0pt;font-family:Arial'>A cap on
       repayments of federally backed loans at 15 percent of&nbsp; a
       borrower&#8217;s discretionary income. <o:p></o:p></span></font></li>
  </ul>
  <p style='line-height:11.25pt'><font size=1 face=Arial><span
  style='font-size:9.0pt;font-family:Arial'>The portion of this legislation
  that is most pertinent to social workers is the section on loan
  forgiveness.&nbsp; Currently, under the U.S. Department of Education&#8217;s
  Income Contingent Repayment (ICR) Program, a borrower may pay federally
  guaranteed and federally extended loans over 25 years. The repayment amount
  is tied to the borrower&#8217;s income and after 25 years of ICR payments,
  the balance of the debt is forgiven. You can access the U.S. Department of
  Education&#8217;s website at <a href="http://www.ed.gov/">www.ed.gov</a> for
  more information.<o:p></o:p></span></font></p>
  <p style='line-height:11.25pt'><font size=1 face=Arial><span
  style='font-size:9.0pt;font-family:Arial'>With respect to H.R. 2669, ICR is
  retained but there is also the option to shorten the period for loan
  forgiveness to occur. A new program will allow public service workers to
  cancel their loans after ten years of service for loans taken out after <st1:date
  ls="trans" Month="10" Day="1" Year="2007" w:st="on">October 1, 2007</st1:date>.
  A public service job is defined as:<strong><b><font face=Arial><span
  style='font-family:Arial'> </span></font></b></strong>emergency management,
  government, military service, public safety, law enforcement, public health,
  public education (including early childhood education), social work in a
  public child or family service agency, public interest law services
  (including prosecution of public defense or legal advocacy in low-income
  communities at a nonprofit organization), public child care, public service
  for individuals with disabilities, public service for the elderly, public
  library sciences, school based library sciences, and &#8220;other
  school-based services&#8221; or at an organization with <strong><b><font
  face=Arial><span style='font-family:Arial'>501 (c)(3)</span></font></b></strong>
  Internal Revenue Service status, which would be the nonprofit sector. This
  legislation could impact many social workers when one considers the broad
  categories of government and the nonprofit sector.<o:p></o:p></span></font></p>
  <p style='line-height:11.25pt'><font size=1 face=Arial><span
  style='font-size:9.0pt;font-family:Arial'>However, the law is ambiguous in
  places. For example, it is not clear whether a public service job could be
  done by someone who works in a private nonprofit organization that provides
  child welfare services under contract to the government or what is meant by
  &#8220;other school-based services&#8221;. Loan forgiveness is also mentioned
  for those who teach full-time as a faculty member at a tribal college or
  university and &#8220;other faculty teaching in high-need areas&#8221; to be
  determined by the Secretary of Education. Therefore, social workers that
  provide full-time public service in the aforementioned areas could benefit
  from this legislation as it is written. The U.S. Department of Education will
  be issuing regulations in the coming months that give more details about
  eligibility determination and other programmatic concerns. <o:p></o:p></span></font></p>
  <p style='line-height:11.25pt'><font size=1 face=Arial><span
  style='font-size:9.0pt;font-family:Arial'>While we were disappointed that a
  provision for loan forgiveness after five years was removed from an earlier
  House version, we recognize that loan forgiveness is an important workforce
  recruitment and retention tool. Those who take advantage of loan forgiveness
  programs are likely to remain in their social work careers longer resulting
  in better outcomes for consumers. Social workers are burdened with high
  student loans and often receive lower pay than other professions. A recent
  survey by the Council on Social Work Education found that the average loan
  debt of social work students graduating in 2004 with a master&#8217;s degree
  in social work was $26,777; those with bachelor&#8217;s degrees in social
  work faced repayment of $18,609 in loans and those with doctoral degrees in
  social work were $32,841 in debt. <o:p></o:p></span></font></p>
  <h5><strong><b><font size=2 color="#818156" face=Arial><span
  style='font-size:10.5pt;font-family:Arial'>For more information</span></font></b></strong><o:p></o:p></h5>
  <p style='line-height:11.25pt'><font size=1 face=Arial><span
  style='font-size:9.0pt;font-family:Arial'>Please contact the U.S. Department
  of Education at <strong><b><font face=Arial><span style='font-family:Arial'>1-800-USA-LEARN</span></font></b></strong>
  for more information or to find out if you are eligible for loan forgiveness.
  This legislation presents a significant opportunity for social workers to
  improve their economic situations as we work to enhance the lives of children
  and families nationwide. NASW will continue to advocate for legislation to
  support the social work profession and the children and families you serve.
  Our loan forgiveness toolkit can be accessed at <a
  href="http://www.socialworkers.org/advocacy/updates/2007/072707.asp">http://www.socialworkers.org/advocacy/updates/2007/072707.asp</a>
  or view our &#8220;Frequently Asked Questions&#8221; on our website at <a
  href="http://www.socialworkers.org/">www.socialworkers.org</a><o:p></o:p></span></font></p>
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  border=0 width=550 height=22 id="adv_letterhead1"
  src="cid:image001.gif@01C800DD.FA5E0FE0" name="adv_letterhead1"><o:p></o:p></span></font></p>
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    w:st="on"><st1:Street w:st="on"><font size=1 face=Arial><span
      style='font-size:7.5pt;font-family:Arial'>Suite</span></font></st1:Street><font
     size=1 face=Arial><span style='font-size:7.5pt;font-family:Arial'> 700</span></font></st1:address><font
    size=1 face=Arial><span style='font-size:7.5pt;font-family:Arial'>, <st1:address
    w:st="on"><st1:Street w:st="on">750 First Street</st1:Street>, <st1:City
     w:st="on">Washington</st1:City>, <st1:State w:st="on">DC</st1:State> <st1:PostalCode
     w:st="on">20002-4241</st1:PostalCode></st1:address><br>
    202-408-8600 &#8226; <a href="http://www.socialworkers.org/advocacy/">www.socialworkers.org/advocacy</a></span></font><font
    size=1 face=Arial><span style='font-size:9.0pt;font-family:Arial'><o:p></o:p></span></font></p>
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<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'><o:p>&nbsp;</o:p></span></font></p>

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<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>Vicki Hansen, LMSW-AP, ACSW</span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>Executive Director</span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>National Association of Social Workers, <st1:place
w:st="on"><st1:State w:st="on">Texas</st1:State></st1:place> Chapter</span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>810 <st1:Street w:st="on"><st1:address
 w:st="on">W. 11th St</st1:address></st1:Street>.</span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><st1:place w:st="on"><st1:City w:st="on"><font size=2
  color=black face=Arial><span style='font-size:10.0pt;font-family:Arial;
  color:black'>Austin</span></font></st1:City><font size=2 color=black
 face=Arial><span style='font-size:10.0pt;font-family:Arial;color:black'>, <st1:State
 w:st="on">TX</st1:State> <st1:PostalCode w:st="on">78701-2010</st1:PostalCode></span></font></st1:place><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'>&nbsp;<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>voice:&nbsp; <st1:phone o:ls="trans"
phonenumber="$6474$$$" w:st="on">512-474-1454</st1:phone></span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>fax:&nbsp; <st1:phone o:ls="trans"
phonenumber="$6474$$$" w:st="on">512-474-1317</st1:phone></span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'><a href="mailto:vhansen@naswtx.org">vhansen@naswtx.org</a></span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'>cell:&nbsp; <st1:phone o:ls="trans"
phonenumber="$6217$$$" w:st="on">512-217-3336</st1:phone></span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=black face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:black'><a href="http://www.naswtx.org">www.naswtx.org</a></span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
style='font-size:12.0pt;color:black'>&nbsp;<o:p></o:p></span></font></p>

<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><em><b><i><font
size=2 color=teal face=Arial><span style='font-size:10.0pt;font-family:Arial;
color:teal;font-weight:bold'>NASW/<st1:State w:st="on">Texas</st1:State>
Conference, October&nbsp;18-20, 2007 in <st1:place w:st="on"><st1:City w:st="on">San
  Antonio</st1:City></st1:place>&nbsp;- visit www.naswtx.org for more
information.<o:p></o:p></span></font></i></b></em></p>

<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><font
size=3 color=black face=Arial><span style='font-size:12.0pt;font-family:Arial;
color:black'>&nbsp;</span></font><font color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><font
size=2 color=black face=Arial><span style='font-size:10.0pt;font-family:Arial;
color:black'>Membership dues support the work that we do.&nbsp; Thank
you!&nbsp; If you are not yet a member of NASW, we welcome you to discover the
benefits of NASW membership at: <a
href="blocked::https://www.socialworkers.org/nasw/join/default.asp"
title="blocked::https://www.socialworkers.org/nasw/join/default.asp&#10;https://www.socialworkers.org/nasw/join/default.asp">https://www.socialworkers.org/nasw/join/default.asp</a></span></font><font
color=black><span style='color:black'><o:p></o:p></span></font></p>

<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><font
size=1 color=black face="Times New Roman"><span style='font-size:7.5pt;
color:black;font-weight:bold'>NASW/Texas Opt-Out Statement<o:p></o:p></span></font></b></p>

<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><font
size=1 color=black face="Times New Roman"><span style='font-size:7.5pt;
color:black'>If you wish to be removed from this email list, please reply with
&#8220;remove my email&#8221; in the subject line.&nbsp; Please be aware that
emails are sent from our national office, our chapter office, and from local
branch individuals.&nbsp; These email lists are separate and may require you to
email each one to be successfully removed from all of them.&nbsp; If you
experience any difficulty, please contact NASW/Texas, <U1:ADDRESS u2:st="on"><U1:STREET u2:st="on"><st1:address
w:st="on"><st1:address w:st="on"><st1:Street w:st="on">810 W. 11<sup>th</sup>
   Street</U1:STREET></U1:ADDRESS></st1:Street></st1:address>, <U1:CITY u2:st="on"><st1:City
 w:st="on">Austin</U1:CITY></st1:City>, <U1:STATE u2:st="on"><st1:State w:st="on">TX</U1:STATE></st1:State>
 <U1:POSTALCODE u2:st="on"><st1:PostalCode w:st="on">78701</st1:PostalCode></st1:address>
(512) 474-1454 or </span></font><font color=black><span style='color:black'><a
href="blocked::mailto:naswtex@naswtx.org"
title="blocked::mailto:naswtex@naswtx.org"><font size=1
title="blocked::mailto:naswtex@naswtx.org"><span
title="blocked::mailto:naswtex@naswtx.org"><span style='font-size:7.5pt'>naswtex@naswtx.org</span></span></font></a></span></font><font
size=1 color=black><span style='font-size:7.5pt;color:black'> for assistance.</span></font><font
color=navy><span style='color:navy'>&nbsp;</span></font><font color=black><span
style='color:black'><o:p></o:p></span></font></p>

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<p class=MsoNormal><font size=3 color=navy face="Times New Roman"></U1:POSTALCODE><span
style='font-size:12.0pt;color:navy'><o:p>&nbsp;</o:p></span></font></p>

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