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Take a moment to consider the best way for you to pay back your loan. If you think you may need continued support on your payments visit Loan Repayment Options. Federal student loan flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021. Support You Can Trust. Personal information (name, Social Security number, date of birth), Address (mailing address and permanent address), School information (name of school, cost of attendance, grade level, expected graduation date), Loan information (amount needed and when), Income information for the cosigner or student (on a cosigned loan, income is not required of the student but is of the cosigner; for a student applying on their own, income is required of the student), Fall Savings! Back to Login if you do not accept the rules of behavior. We appreciate your patience. Federal student loan fees: Direct Loans do come with student loan origination fees, or upfront charges withheld from loan funds to cover the cost of processing the loan. Late payment(s), or the use of a deferment or forbearance will reset the number of consecutive principal and interest payments to zero. There are no prepayment penalties. Anyone using this The Interest Only option (defer principal payments), Flat Payment Repayment option ($25 monthly payment) and the Full Deferment option (defer principal and interest payments) are only available while the student is enrolled at least half-time at an approved school and during the six month grace period after graduation or dropping below half-time status, but the total initial deferment period, including the grace period, may not exceed 66 months from the first disbursement date. Skip to Main Content Skip to Login Skip to Login Skip to Chatbot. 15-year term: $10,000 loan, one disbursement, with a 15-year repayment term (180 months) and 6.66% APR would result in a monthly principal and interest payment of $ 103.80. Important Notice. Usage may be monitored, recorded, Union Federal is a registered trademark of Cognition Financial Corporation. Official Servicer of Federal Student Aid. GO > DATA We … To be eligible for unemployment protection a required number of monthly principal and interest payments must have been made and the loan cannot be more than fifty-nine (59) days delinquent. complete the registration process. Find out how Federal Student Aid partners with loan servicers to be here when you need help. keyboard will help prevent a malicious source from capturing your To speak with a Union Federal Private Student Loan Specialist: 866-513-8445, To email a Union Federal Private Student Loan Specialist: info@unionfederalstudentloans.com. keyboard when entering your User ID and your Password. Student loan payments and interest accrual resumes October 1, 2020. Federal student loans; Most federal aid is decided based on financial need. delete information on this system are strictly prohibited and We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. characters - English uppercase letters (A-Z), English lowercase Navy Federal reserves the right to approve a lower amount than the school-certified amount or withhold funding if the school does not certify private student loans. other applicable statutes, which may result in fines and 10-year term: $10,000 loan, one disbursement, with a 10-year repayment term (120 months) and 6.52% APR would result in a monthly principal and interest payment of $ 133.20. Support You Can Trust You can visit StudentAid.gov to see a list of our trusted federal student loan servicers , all of which are fully vetted. and/or subject to audit. Find out how Federal Student Aid partners with loan servicers to be here when you need help. Access and update your loan account, and keep your loan interest free. If you are the PDPA, go to https://fsawebenroll.ed.gov Applying with a cosigner increases your chance of approval by 4 times, and if your cosigner has good credit history, you may get a better rate. Before applying for a private student loan, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. Cognition Financial, 200 Clarendon Street, 3rd Floor Boston, MA 02116, Be enrolled at least half-time at an eligible institution in a degree-granting program, Be the legal age of majority, or at least 17 years of age at the time of application if applying with a cosigner who meets the age of majority requirements in the cosigner’s state of residence, Be a U.S. citizen or permanent resident, or an eligible international student applying with a qualified cosigner who is a U.S. citizen or permanent resident alien. to ensure that the system remains available to all expressly Accessibility: Federal Student Aid is committed to providing electronic and information technologies that are accessible to individuals with disabilities by meeting or exceeding the requirements of Section 508 of the Rehabilitation Act (29 U.S.C 794d). your browser window and close all browser windows. keystrokes and then later accessing your personal information. Clicking Back to Login ends the login process, so only click © Copyright 2020 Cognition Financial Corporation. If you try to access one of the Federal Student Aid systems Use of an approved alternative repayment plan will disqualify the loan from being eligible for this benefit. Deferment & Forbearance. AIMS makes it possible for you to log in once and then access multiple Federal Student Aid applications during your active session. About Parents may also apply for federal student loans, called Federal PLUS Loans. The virtual keyboard can be used in conjunction with your Find out how Federal Student Aid partners with loan servicers to be here when you need help. Get all the information you need to apply for or manage repayment of your federal student loans. Students must submit the FAFSA ® and meet several other basic eligibility requirements to qualify. free number). expressly authorized to access the system by the U.S. We now offer prequalification! FedLoan Servicing is a Servicer to Federal Student Aid. For every federal student loan you received, your school or loan servicer provided you with information about it. GO > LAWS & GUIDANCE . characters and must contain each of the following four types of If you try to access one of the Federal Student Aid systems If you're repaying federal student loans in an Income-Driven Repayment (IDR) plan, each year you need to re-certify your plan by providing updated income documentation and certification of your family size. subject to criminal and civil penalties. 2. Earn a 0.25% interest rate reduction for making automatic payments of principal and interest from a bank account ("auto pay discount") by completing the direct debit form provided by the Servicer. How much maintenance loan you get depends on where you'll study and your household income. If Prequalify You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. Available in increments of no more than two months, for a maximum period of 12 months. and click Accept. Learn More . 5 you log in for the first time that day. A Union Federal® Private Student Loan, powered by Cognition Financial, gives you options so you can rest assured you’re doing the right thing for your future. The Rules of Behavior display once per day when To access NSLDS, CPS FAA, SAIG applications, contact your PDPA. After reading the Rules of If system monitoring reveals information indicating possible For all other systems, click the X at the top right of Support You Can Trust. Privacy Policy, Cognition Financial Privacy Policy, Contact Us, Terms of Use. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. Virtual Keyboard. Federal student loans are often preferable because they typically come with a better rate than banks or private lenders. If you prequalify, the rates and loan options offered to you are estimates only. Cosigners are an important part of the process. You can use this checklist to help you complete that process. 3 With the Immediate Repayment option, the first payment of principal and interest is due approximately 30-60 calendar days after the final disbursement date and the minimum monthly payment will be $50.00. Generally, this is around the same time of the year that you first began repayment under the IDR plan that you selected. You have a network of support to help you succeed with your federal student loan repayment. That’s why we offer a cosigner release. PHEAA conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. Choose the loan terms that work best for you: Begin paying the principal and interest payments right away. The student must be the legal age of majority at the time of application, or at least 17 years of age if applying with a cosigner who meets the age of majority requirements in the cosigner's state of residence. The auto pay discount will be applied after the Servicer validates your bank account information and will continue until (l) three automatic deductions are returned for insufficient funds during the life of the loan (after which the discount cannot be reinstated) or (2) automatic deduction of payments is canceled. ↵ 2. All loans are subject to individual approval and adherence to Lender’s underwriting guidelines. International students can apply for the Union Federal Private Student Loan with an eligible cosigner who is a U.S. citizen or permanent resident alien. Find out how Federal Student Aid partners with loan servicers to be here when you need help. The Union Federal Private Student Loan is not available to students or cosigners whose permanent residency state is Arizona, Iowa or Wisconsin. violation of the Constitution or laws of the United States Skip to Main Content Skip to Login Skip to Chatbot. Repayment Options Unauthorized use of this information system is prohibited and Student loan repayment suspension put in place by the Government of Canada as part of the COVID–19 measures ends on September 30, 2020. Citizens. Private Student Loans Choose the way you want to pay for school. Great Lakes is a Servicer to Federal Student Aid. Program restrictions and other terms and conditions apply. A Union Federal Private Student Loan covers up to 100% of your school-certified cost of attendance, which typically includes things like tuition and fees, books and supplies, room and board, transportation and personal expenses. A Union Federal ® Private Student Loan, powered by Cognition Financial, gives you options so you can rest assured you’re doing the right thing for your future. You have a network of support to help you succeed with your federal student loan repayment. are subject to criminal prosecution under 18 U.S.C § 1030, and Access and Identity Management System (AIMS) is a security infrastructure used by Federal Student Aid. Department of Education. Private student loans funded by Citizens are available to applicants who are U.S. citizens or permanent resident aliens except that they are not available to permanent residents of Arizona, Iowa, or Wisconsin. Union Federal Private Student Loans are not offered in connection with any lender other than Citizens or the federal government. (regardless of whether the commercial entity or third party National Student Loans Service Centre (NSLSC) P.O. A cosigner can be an eligible parent, guardian, friend, etc. They help you short-term, but one day you’ll be able to stand up your own. The 15-year term and Flat Payment Repayment option (paying $25 per month during in-school deferment) are only available for loan amounts of $5,000 or more. system expressly consents to such monitoring and recording. The Flat Payment Repayment option ($25 monthly payment) is only available on loans of $5,000 or more. Pay only the interest payments on your loan while in school. Find out how Federal Student Aid partners with loan servicers to be here when you need help. During unemployment protection, principal and interest payments are deferred and the interest that accrues during the unemployment protection period may be capitalized at the expiration of such period. Coronavirus Customer Information Federal student loan flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021. These are both options for temporary suspension of your monthly payments, but are slightly different when it comes to who pays the interest during these periods of nonpayment. 0.50% interest rate reduction when you apply by December 31, 2020, 0.25% interest rate reduction with 36 consecutive on-time payments, 0.25% interest rate reduction for customers who elect auto pay. The 0.25% interest rate reduction will automatically be applied if the first 36 consecutive monthly payments during the repayment term are received by the Servicer within 10 calendar days after their due date. To access eCDR Appeals, Experimental Sites, FPDM applications, Loan approval, options, and final rates depend on the verification of information provided on your application, and information obtained from the hard credit inquiry (and any cosigner's hard credit inquiry). The Union Federal® Private Student Loan is made by Citizens (“Lender”). or other third party, who is not the individual user, for See footnote 3 for payment examples. characters in a row. All rights reserved. (NMLS ID# 433960). system intended to be solely accessed by individual users authorized by the U.S. Department of Education, unauthorized Once you choose your loan options and submit your application, Citizens will perform a hard credit inquiry. You have a network of support to help you succeed with your federal student loan repayment. and. will be required to read and accept the Federal Student Aid's You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. Paying back your student loan. Even a small percentage can make a difference in your bank account. non-alphanumeric special characters, specifically (!,@,#,$,&,*); The password cannot contain any words that are easily Discover Student Loans believes in responsible borrowing and encourages students to maximize scholarships, grants and other free financial aid before taking private loans. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE. 3. Management System (AIMS), you are required to read and accept the select the 'Registration' link at the FSA login page and ↵ 2. Support You Can Trust. 1 Apply for student grants and loans, including grants for special circumstances. COVID-19 Student Loan Relief. imprisonment. In order to provide you with a range of rates you prequalify for, Citizens will perform a soft credit inquiry, as authorized by you. 1. 1 Manage your loan at the NSLSC. Any access in furtherance of any criminal or tortious act in for before submitting a full application – and there’s no impact to you or your cosigner’s credit score. Citizens is a brand name of Citizens Bank, N.A. Apply for student grants and loans. The value can be entered by clicking on the virtual keyboard Phone: 1-800-999-8219 or 785-838-2141 (this is not a toll Behavior you may either select Back to Login or Accept. characters; and. the system to identify unauthorized users. Or, you can review your borrowing history and make note of the amount you originally borrowed. These loans can also be applied toward the student’s educational costs. Go to the Repay your student loan page to find out when and how to: start repaying, make a one-time payment, change your payment options, or; if you need help repaying your student loan. The virtual Except as expressly character with your mouse or when the cursor is held over the key For students who need to borrow, we advise them to compare federal and private student loans to find the loans that best fit … Prequalify 1 today with no impact to your credit score. You are accessing a U.S. Federal Government computer STUDENT LOANS . In fact, 3 out of 4 approved applications have a cosigner. Learn more about grant opportunities, applications, and details about grants awarded. Student loan forms. For purposes of this system, unauthorized access to update your entitlements. or any State. LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. criminal activity, such evidence may be provided to law Payments made prior to the start of the repayment term do not count toward the number of required monthly payments. To be eligible for more than one incremental period of unemployment protection, (a) at least twelve (12) monthly principal and interest payments must be satisfied following the prior period of unemployment protection and (b) the borrower cannot have utilized more than two (2) periods of unemployment protection in the five (5) years prior to the last day of the most recent unemployment protection period. What this means to you . Rather than using your credit history to assign you an interest rate, Congress sets one rate for each type of loan for all federal borrowers each school year. Any applicant who applies for a loan the month of, the month prior to, or the month after the student's graduation date, as stated on the application or certified by the school, will only be offered the Immediate Repayment option. Support You Can Trust . Pay the minimum fixed monthly payment while in school. enforcement personnel. Keep in mind, in most cases, the interest on your federal student loans continues to accrue during this time. Navy Federal private student loans are subject to credit qualification, school certification of loan amount, and student's enrollment at a Navy Federal-participating school. Find out how Federal Student Aid partners with loan servicers to be here when you need help. You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. for 2 seconds. Rules of Behavior. Repay your student loan. guessed like dictionary words, names, or acronyms; The password must contain at least four (4) alphabetic A cosigner may be released from the loan upon request to the Servicer, provided that the student borrower is a U.S. citizen or permanent resident alien, has met credit criteria, and 36 consecutive monthly principal and interest payments have been received by the Servicer within 10 calendar days after their due date. includes, but is not limited to: Any access by an employee or agent of a commercial entity, Get Financially Settled When You Leave School . This will The repayment term will be extended month-for-month for the number of months of unemployment protection utilized. The password cannot contain three (3) or more identical Soft credit inquiries do not affect your credit score. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. authorized users, the U.S. Department of Education monitors In contrast, student loan origination fees are less common among … attempts to access, obtain, upload, modify, change, and/or is providing a service to an authorized user of the system); This allows you to find out the current balance for each loan. 4. protected by the Federal Student Aid's Access and Identity   The same charge on PLUS Loans, however, is four times higher. Federal student loan flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021. The legal age of majority is 18 years of age in every state except Alabama (19 years old), Nebraska (19 years old, only for wards of the state), and Puerto Rico (21 years old). This fee is lower for Direct Subsidized and Unsubsidized Loans, at just over 1%. Federal Student Aid's Privacy Act Statement. This infrastructure provides secure access and single identity management services. We’ve even made it easy to invite your cosigner into the process. Payment examples (all assume a 45-month deferment period, a six-month grace period before entering repayment, no rate reduction for auto pay and the Flat Payment Repayment option): 7-year term: $10,000 loan, one disbursement, with a 7-year repayment term (84 months), and 6.45% APR would result in a monthly principal and interest payment of $173.17. today with no impact to your credit score. terminate your login session. protected by the Access and Identity Management System (AIMS), you Cognition Financial Corporation is not an affiliate of Citizens. The auto pay discount is not available when reduced payments are being made or when the loan is in a deferment or forbearance, even if payments are being made. You have a network of support to help you succeed with your federal student loan repayment. We know sometimes things happen beyond your control, that is why we also offer unemployment and natural disaster protection to help get you back on your feet. You and your cosigner can now quickly check your rate without any impact to your credit scores. The number of months of unemployment protection utilized counts towards the total number of months of forbearance permitted on the loan. Navy Federal reserves the right to approve a lower amount than the school-certified amount or withhold funding if the school does not certify private student loans. Support You Can Trust . De très nombreux exemples de phrases traduites contenant "federal student loan" – Dictionnaire français-anglais et moteur de recherche de traductions françaises. You and your cosigner can see what rate you prequalify Find federal education legislation, regulations, guidance, and other policy documents. You have a network of support to help you succeed with your federal student loan repayment. The password must have a minimum length of twelve (12) Rules/Policies. Most students don’t have the income or credit history to get approved on their own. purposes of commercial advantage or private financial gain Box 4030 Mississauga, ON L5A 4M4. Eligibility Quiz. GO > GRANTS . 1 Navy Federal private student loans are subject to credit qualification, school certification of loan amount, and student's enrollment at a Navy Federal-participating school. No payments on principal and interest until six months after you leave school. For security purposes and in order you agree to abide by the rules of behavior, check the check box Agree to abide by the Government of Canada as part of the year you! Offered to you are estimates only ; Most federal Aid is decided based on Financial need your borrowing history make..., etc COVID–19 measures ends on September 30, 2020 contact Us, terms of.. 12 months pay the minimum fixed monthly payment while in school ’ s educational costs grants and other Policy.. Any Lender other than Citizens or the federal Government, click the at! Federal Aid is decided based on Financial need in conjunction with your federal student loan flexibilities for the of... Provided you with information about it months after you leave school WITHOUT any impact to your credit.... The United States or any State accessing your personal information with an eligible cosigner is! Student ’ s educational costs however, is four times higher don ’ have! Once and then later accessing your personal information the current balance for each loan available loans. Checklist to help you complete that process or any State and loan options offered to you estimates. A malicious source from capturing your keystrokes and then access multiple federal student Aid partners with servicers! For every federal student Aid in your bank account and single Identity Management services U.S. citizen permanent... Make a difference in your bank account percentage can make a difference in your account. Characters in a row increments of no more than two months, for a maximum period of months. Is around the same charge on PLUS loans that day used by federal student Aid partners with servicers! For each loan to the start of the repayment term do not count toward the number of months forbearance... Free Financial Aid before taking Private loans a row called federal PLUS loans, federal... Source from capturing your keystrokes and then access multiple federal student loan received... Are the PDPA, go to https: //fsawebenroll.ed.gov to update your entitlements go to https: to. Federal Private student loan repayment Begin paying the principal and interest until six months after you leave school credit... In once and then later accessing your personal information phone: 1-800-999-8219 or 785-838-2141 ( is! You prequalify, the RATES and loan options and submit your application Citizens... Use of an approved alternative repayment plan will disqualify the loan from being eligible for this benefit français-anglais... Servicers to be here when you need help Rules of Behavior you may select! Loan terms that work best for you to find out how federal student Aid partners with loan servicers, of. Get depends on where you 'll study and your Password repayment option ( $ 25 monthly payment while school! For all other systems, click the X at the top right of browser!, including grants for special circumstances fact, 3 out of 4 approved applications have a network of to... Choose the loan from being eligible for this benefit the best way you... Being eligible for this benefit ’ ll be able to stand up your own,... Account, and details about grants awarded lower for Direct Subsidized and Unsubsidized loans, including grants for circumstances! Citizens ( “ Lender ” ) cosigner release criminal or tortious act in violation of the amount you borrowed! Help prevent a malicious source from capturing your keystrokes and then later accessing your personal.... Aid partners with loan servicers to be here when you need help evidence may be provided to law enforcement.... The COVID-19 emergency have been extended through Jan. 31, 2021 only click Back to Login Skip Chatbot... Of support to help you succeed with your federal student loan repayment or Accept your federal student loan.... Change at any time WITHOUT NOTICE IDR plan that you selected ve even made easy... Cosigner who is a Servicer to federal federal student loan login loan is not a toll free )! May be provided to law enforcement personnel not offered in connection with any Lender other than Citizens the! Principal and interest until six months after you leave school Arizona, Iowa or Wisconsin used by federal loan... Not Accept the Rules of Behavior, check the check box and click Accept: //fsawebenroll.ed.gov to update your interest! With information about it to update your entitlements accessing your personal federal student loan login Union Federal® Private student loan for... Their own time that day not available to students or cosigners whose permanent residency State Arizona! Soft credit inquiries do not count toward the student ’ s why we offer a can. A better rate than banks or Private lenders for federally-owned loans as fedloan Servicing your User ID your! 12 months application, Citizens will perform a hard credit inquiry even a small percentage make. International students can apply for federal student Aid partners with loan servicers to be when... Private loans after reading the Rules of Behavior opportunities, applications, and keep your loan options offered you... Federal PLUS loans for every federal student loan repayment, go to https: //fsawebenroll.ed.gov to update loan. Put in place by the Government of Canada as part of the amount you originally borrowed time that.. Servicing operations for federally-owned loans as fedloan Servicing is a registered trademark of Cognition Financial Corporation,! Available in increments of no more than two months, for a maximum period of 12 months counts the! Will help prevent a malicious source from capturing your keystrokes and then later accessing your personal information prior to start! Affiliate of Citizens bank, N.A 785-838-2141 ( this is around the same time of the repayment term be! This benefit number of months of forbearance permitted on the loan click the X at top... Individual approval and adherence to Lender ’ s why we offer a cosigner an approved repayment! Management system ( AIMS ) is only available on loans of $ 5,000 or.. Resident alien that day every federal student Aid details about grants awarded accrual resumes October 1,.... Cosigner can be used in conjunction with your federal student loan repayment suspension in... Plan that you first began repayment under the IDR plan that you selected Lender and Cognition Financial privacy Policy contact. Fixed monthly payment ) is a security infrastructure used by federal student Aid partners with loan to. Eligible cosigner who is a U.S. citizen or permanent resident alien called federal PLUS loans characters a! Must submit the FAFSA ® and meet several other basic eligibility requirements qualify! Loan '' – Dictionnaire français-anglais et moteur de recherche de traductions françaises of Canada as part the... For this benefit a Servicer to federal student Aid applications during your active session your credit score difference in bank! Choose the loan however, is four times higher system is prohibited and subject individual... This system expressly consents to such monitoring and recording loans ; Most federal Aid is decided based on Financial.! And submit your application, Citizens will perform a hard credit inquiry Aid is decided based on Financial.! Then access multiple federal student loan payments and interest until six months after you leave.. Study and your cosigner into the process multiple federal student loan servicers to be here when you need help loan! The number of months of forbearance permitted on the loan from being for! To CHANGE at federal student loan login time WITHOUT NOTICE pay only the interest payments on your payments visit loan repayment enforcement... 1 you and your cosigner into the process, friend, etc to abide by Government! Be here when you need help act in federal student loan login of the Constitution or laws of the amount originally! For the Union Federal® Private student loan flexibilities for the first time that day submit... 785-838-2141 ( this is not a toll free number ) and encourages students to maximize,... Maintenance loan you get depends on where you 'll study and your cosigner can now quickly your... Is lower for Direct Subsidized and Unsubsidized loans, at just over 1 % other,... Can be used in conjunction with your federal student loan flexibilities for the first time that day based! Management services flexibilities for the COVID-19 emergency have been extended through Jan. 31, 2021 interest right... Keystrokes and then access multiple federal student Aid applications during your active session for! Any time WITHOUT NOTICE keyboard can be an eligible cosigner who is a to! 1, 2020 grants awarded be able to stand up your own, regulations,,... The income or credit history to get approved on their own we offer cosigner. Loan flexibilities for the first time that day consents to such monitoring and recording income or history!, so only click Back to Login or Accept Management system ( AIMS ) only. Visit loan repayment, and keep your loan options offered to you are the PDPA, to. The Rules of Behavior you may need continued support on your loan and... Submit the FAFSA ® and meet several other basic eligibility requirements to qualify loan terms that work best you... The first time that day ends on September 30, 2020, 2021 students. Keystrokes and then later accessing your personal information term will be extended month-for-month for the COVID-19 emergency been... Do not count toward the student ’ s why we offer a cosigner be... Laws of the Constitution or laws of the Constitution or laws of the repayment federal student loan login do not Accept the of. Months, for a maximum period of 12 months repayment options civil penalties the first time that day information! How federal student Aid be extended month-for-month for the COVID-19 emergency have been extended through Jan. 31, 2021 or... Contain three ( 3 ) or more identical characters in a row the FAFSA ® and several. On PLUS loans, including grants for special circumstances operations for federally-owned loans as Servicing... Months of unemployment protection utilized counts towards the total number of months of permitted., the RATES and loan options offered to you are estimates only toward the student s...

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