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<strong>Voluntary Flexible Agreement (VFA)</strong> – Individually negotiated contract between a FFEL Program guarantor and the U.S. Department of Education. On October 7, 1998, President Clinton signed the Higher Education Amendments of 1998 (P.L. 105-244), authorizing the Department of Education to enter into no more than 6 VFAs. A VFA may modify the guarantor provisions under sections 428 (b) and (c) of the Higher Education Act, such as the issuance of insurance on FFEL Program loans, defined default aversion activities, collection activities on defaulted loans, guarantor revenue and funding models, and other requirements. For more information on VFAs, see Volume 64, No. 144 of the Federal Register, published July 28, 1999.

<strong>Disbursing agent</strong> – The lender, servicer, guarantor, or other entity that issues disbursement funds to the school for delivery to the borrower.
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<strong>Branch code</strong> – A code assigned to a school' s branch campus to clearly identify it and its associated loans or other aid program amounts from the institution' s main campus. A 2-digit branch code is assigned by the U.S. Department of Education as a part of its 8-digit OPE ID. A 4-digit branch code is used within the header record of CommonLine files.

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