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<tr><td><b>Comment Number: </b></td><td>534730-00013</td></tr>

<tr><td><b>Received: </b></td><td>8/18/2008 3:59:09 PM</td></tr>

<tr><td><b>Organization: </b></td><td>National Council of Higher Education Loan Programs</td></tr>

<tr><td><b>Commenter: </b></td><td>Timothy Fitzgibbon</td></tr>

<tr><td><b>State: </b></td><td>DC</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>FACT Act Risk-Based Pricing Rule</td></tr>

<tr><td><b>Attachments:</b></td><td><a href='534730-00013.pdf'>534730-00013.pdf</a>&nbsp<a href='http://www.adobe.com/products/acrobat/readstep2.html' target = _blank >Download Adobe Reader</a><br></td></tr></Table>

<hr><P><b>Comments:</b></p>Submitted on behalf of the Education Finance Council (EFC), the National Council of Higher Education Loan Programs (NCHELP) and the Student Loan Servicing Alliance (SLSA).</body></html>