Description: Tags: File Transfer Process

LaRS File Transfer Process and Record Layout
Table Of Contents
1.0 LARS DATA FILE LOAD......................................................................................................................2

1.1 DESCRIPTION..............................................................................................................................................2
1.2 PROCESS OVERVIEW....................................................................................................................................2
1.3 REJECTION / RE-SUBMISSION........................................................................................................................3
1.4 FILE LEVEL ERROR CHECKS.........................................................................................................................4
1.5 INVOICE LEVEL ERROR CHECKS....................................................................................................................4
1.6 FILE EXTENSION........................................................................................................................................4
2.0 LARS FILE LAYOUT.............................................................................................................................5
2.1 CONTACT INFORMATION................................................................................................................................5
2.2 FILE NAMING CONVENTION..........................................................................................................................5
2.3 LARS DATA FILE LAYOUT...........................................................................................................................5
3.0 SAMPLE FILE LAYOUT.....................................................................................................................23
1
1.0LaRS Data File Load
This document describes an alternate method of entering the Quarterly Financial Report
into the FSA Lender Reporting System (LaRS).
Lender/Servicer users can use this approach as an alternative method to the on-line LaRS
screens to provide financial report information. Once the data file is submitted to the
FMS SAIG mailbox, the file can then be pulled onto the FMS servers allowing the data
contained within the file to be loaded into LARS temp tables. The data is then validated,
if it passes the validation, the invoice data will then be imported into the LaRS
application. When the data has been imported, the Lender/Servicer users can view this
information via the on-line LaRS screens. Senders will be notified via email of invoices
within the file that had errors and did not pass validations. After the invoice data has been
corrected it will need to be resubmitted.
1.1 Description
File Transfer
Lenders/ Servicers will send files to LARS via the Student Aid Internet Gateway (SAIG)
mailboxing system. Lenders/Servicers will log onto the SAIG system and transfer their
flat file to the LARS mailbox (LARS Mailbox ID will be provided) where it can be
picked up.
1.2 Process Overview
Below is a graphical depiction of the process:
2
Email
Notification
Sent to
Lender/Servicer
No Point of Contact
Log into
Lender Import and
Lender/
SAIG and Validate
File Invoice
Servicer submit file data
Valid Data? Email
Transer Invoice
System to FMS Data Notification
mailbox. Sent to
Lender/Servicer
Point of Contact
Yes
LARS
Extension
Application
If the data is valid, calculations are performed, the data is imported into the LaRS
application extension, and the invoice is automatically submitted to the ED Financial
Partners (the Status is set to “Submitted”). An email is sent to the Lender/ Servicer user
and to ED Financial Partners notifying them of a successful submission.
Note: Lender/ Servicer will be allowed to submit only one invoice per quarter. Invoice
duplication will be prevented based on a unique key combination of LID/Servicer
ID/Year/Quarter.
Once the data is loaded, the Lender/ Servicer users may view the information using the
respective LaRS screen.
1.3 Rejection / Re-Submission
If a file level error was detected (the error checks are further described below), the
invoices with the errors will not be loaded into the LaRS Oracle application extension nor
will it be submitted to the ED Financial Partners. If file level errors are detected, a notice
will be sent to the “Sender” of the file via email. The email address(es) will be taken
from the Profile information within the LARS system based on the “Sender’s” LID. The
email notification will include the LID/Quarter/Year combination that had errors and the
errors themselves. Only invoices that had errors need to be fixed and resubmitted. To
resubmit a file, the Lender/ Servicer will follow the same process that they originally
used for submitting the file.
3
1.4 File Level Error Checks
The Lender/ Servicer is responsible for ensuring that correct information is sent to FSA.
A file will be rejected if the file does not contain any invoice data (e.g. the file is a
picture, or anything other than invoice lines data).
If a file is rejected, the sending organization will receive a notice indicating that an error
was encountered with the file. If the file is accepted, it will be retained in the FSA
archives.
1.5 Invoice Level Error Checks
Although the LaRS Data File Load will perform some validation checks, the Lender/
Servicer is responsible for ensuring that correct information is sent to FSA. Any error will
cause the invoice to be rejected. All rejected invoices will be reported back to the
Lender/ Servicer for correction and will need to be resubmitted.
Items to assist the Lender/ Servicer in sending valid invoices include:
1. A single file from a Servicer may contain data for multiple LIDs.
2. Validation to prevent duplicate invoices submitted from a Lender/ Servicer (based on
unique key Lender ID / Servicer ID, quarter, and year) will occur.
3. Do not enter dollar signs.
4. Do not enter commas.
5. The file includes a pipe delimiter between each data field for ease in loading and
processing the files.
6. Enter a carriage return as a separation indicator.
7. Include ACTUAL values for numeric/amount fields, and INCLUDE decimal points.
1.6 File Extension
As the file will be an ASCII file the preferred extension will be TXT.
4
2.0LaRS File Layout

2.1 Contact Information
For additional clarification on the LaRS File Transfer Process, Email LaRS support personnel at
mailto:fsa_lr@ed.gov.
2.2 File Naming Convention

The naming convention for File Transfer file submittals from Lenders/Servicers for LaRS reports
will have a format that uniquely identifies each file. The suggested format is
LaRSXXXXXXDDMMYYYY99, where LaRS stands for Lender Reporting System, XXXXXX
for the Sender's ID (this will be a LID or Servicer ID), DDMMYYYY for sending day, month and
year, and 99 is the sequence number. The sequence number may be incremented by one for each
additional file sent in a given day.
2.3 LaRS Data File Layout

The table contains details about the new file layout.
1) Position:
a) Start: Indicates starting position of a data element in the record.
b) End: Indicates ending position of a data element in the record.
2) Length: Indicates the length of the data element.
3) Data Element: Contains the name of the data element.
4) Additional Information: Indicates the rules for populating the field, valid values and edit rules.
NOTE: File layout was changed on 7/8/2002 in order to streamline data processing. All value
fields (e.g. fee percent, interest rates, balances, or anything that is a dollar amount) are now passed
as real values and are of variable length. The file is also pipe delimited allowing for quicker
loading of data into temp table.
LaRS Report Header Record Layout (HEADER)
Position Length Data Element Edit Additional Information

Start End Number
1 6 6 Sender ID 200 Should be Lender ID if the sender is a Lender, or
Servicer ID if the sender is a servicer. Must be a valid
ID in FSA LaRS.
7 7 1 Servicer 201 Y = Yes, N = No
Final 2/10/2008 5
LaRS Report Header Record Layout (HEADER)

Start End Number
8 Varia Variable Total Number of 202 It should be 1 if the sender is a Lender, otherwise it
ble Invoices in the could be more than 1. Always pass in real, whole
file numbers. If there are 220 invoices in the file, then
pass 220.
This number should be the number of LaRS Report
Detail Record Header Layout (RECORD_0) records
that are contained in the file.
LaRS Report Detail Record Header Layout (RECORD_0)

Start End Number
1 6 6 Lender ID (LID) 200 Must be valid Lender ID in FSA LaRS.
7 8 2 Record Type 203 Must be zeroes (e.g. 00). This will be a constant.
9 12 4 Year 204 Year of the LaRS Report in YYYY format
13 13 1 Quarter 205 Quarter of LaRS Report
1 = 1st quarter, March 31
2 = 2nd quarter, June 30
3 = 3rd quarter, September 30
4 = 4th quarter, December 31
14 14 1 Activity 201 Y = Yes, N = No
15 15 1 Origination or 201 Y = Yes, N = No
Activity/Adjustm
ents
16 16 1 Interest Activity 201 Y = Yes, N = No
or Adjustment
17 17 1 Special 201 Y = Yes, N = No
Allowance or
Adjustment
Final 2/10/2008 6
LaRS Report Detail Record Layout for Loan Origination (Part I) (RECORD_1)

Start End Number
7 8 2 Record Type 203 Must be one (e.g. 01). This will be a constant.
017 There can be only one occurrence for each unique

combination of Loan Type, Fee Code, Fee Percent and
Loan Interest Rate.
9 10 2 Loan Type 109 SF = Stafford except unsubsidized Stafford
PL = Federal PLUS
SL = Federal SLS
CL = Federal Consolidation
SU = Unsubsidized Stafford
11 12 2 Fee Code 010 Origination fees for current quarter:
FN - New loans you have made in the quarter covered

by this form if you owe the origination fees
FS - Loans you made and sold in the quarter covered
by this form if the purchaser owes the origination fees
FB - Loans you bought from another Lender in the
quarter covered by this form, if you owe the
origination fees
Origination fee adjustments to previously reported

quarters:
FI - Net increase in loans you made or bought as
reported for a previous quarter, if you owe the
origination fees
FD - Net decrease in loans you made or bought as
reported for a previous quarter, if the fees are to be
credited to you
Lender loan fees for current quarter:

LN - New loans you have made in the quarter covered
by this form, if you owe the Lender loan fees
LS – Loans you made and sold in the quarter covered
by this form, if the purchaser owes the Lender loan
fees
LB – Loans you bought from another Lender in the
quarter covered by this form, if you owe the Lender
loan fees.
Lender fee adjustments to previously reported

quarters:
LI - Net increase in loans you made or bought as
Final 2/10/2008 7

Start End Number
reported for a previous quarter, if you owe the Lender
fees
LD - Net decrease in loans you made or bought as
reported for a previous quarter, if the fees are to be
credited to you.
123 Fee code FB, FD, FI, FN, or FS is invalid with loan
type CL.
13 Varia Variable Fee Percent 009 Valid values are .005, .03, .05, .055, and .065.
ble
011 Fee Percent for Fee Code FN must be .03 for the
billing period indicated on the lender profile
047 If the Loan Type is SF, PL, SU the Fee Percent must be
valid for Fee Code, FN. For Fee Code FN, Fee
Percent .xxx is invalid for the billing period indicated
on lender profile.
110 If the Loan Type is SU, the Fee Percent must be valid
for Fee Codes FB, FD, FI or FS. For Loan Type SU,
the origination fee percent must be .065 or .03.
111 If the Loan Type is PL or SL the Fee Percent must be

valid for Fee Codes FB, FD, FI or FS. For loan types
PL or SL, the origination fee percent must be .05, or
.03.
112 If the Loan Type is SF the Fee Percent must be valid

for Fee Codes FB, FD, FI or FS. For Loan Type SF,
the origination Fee Percent must be .05, or .03.
118 If the Fee Code is LN, LS, LB, LI, or LD the Fee
Percent must be valid. Fee percent for Fee Codes LN,
LS, LB, LI, or LD must be .005.
In the file layout these numbers will be represented as

real values with decimals: .005, .030, .050, .055, .065.
Varia Varia Variable Loan Interest EVAR – For variable Federal Stafford and
ble ble Rate Unsubsidized Stafford, PLUS and SLS loans made on
or after October 1, 1992, and Consolidation loans
made during the “Emergency Consolidation Loan
Act”.
CVAR – For Federal PLUS and SLS loans made in
Final 2/10/2008 8

Start End Number
1986-7 where the interest rate changes each January 1
FVAR7 - Converted fixed rate loans of 7%.
FVAR8 - Converted fixed rate loans of 8% or 8/10%
FVAR9 - Converted fixed rate loans of 9%
FVAR10 - Converted fixed rate loans of 10% or
8/10%
FVARX - Converted fixed rate loans of 8/10%
VAR – For all other (PLUS/SLS) variable interest rates
loans made prior to 10/1/1992.
012 Loan interest rate must be .07, .08, .09, .10, VAR,
CVAR, EVAR, FVARX, FVAR7, FVAR8, FVAR9 or
FVAR10.
012A Loan interest rate must be greater than zero if the loan
type is CL.
120 Interest rates FVAR7, FVAR8, FVAR9, FVAR10, or

FVARX only apply to SF loans and SU loans.
125 Interest rate for federal consolidated (CL) loans must

fall within the range of 1% to 25%.
125B If the Loan Type is CL, and the Fee Code is LN then
the Interest Rate must be 2.5% - 8.25% for the Billing
Period greater than or equal to 1998/4.

real values with decimals: 7% would be .07. Character
interest rates need no padding, simply pass the text
string.
Varia Varia Variable Principal 013 Must be the whole dollar amount. Must be a positive
ble ble Amount of Loan number or zero.
137 For loan type SF, SU, PL, total FN/FS principal
amount of loans must be equal to total LN plus LS
principal amount of loans for current billing period.
016 Loan Type, Fee Code, Fee Percent, and Loan Interest
Rate must be filled and valid if there is a value in this
Final 2/10/2008 9

Start End Number
field.
016A Interest Rate 8/10 is valid only for Fee Codes FI, FD,
LI or LD.
Pass real number amounts, e.g. 98143.
LaRS Report Detail Record Layout for Interest Benefits (PART II) (RECORD_2)

Start End Number
7 8 2 Record Type 203 Must be two (e.g. 02). This will be a constant

11 Varia Variable Interest Rate 004 In the file layout these numbers will be represented as
ble real values with decimals: A value of .01725 will be
represented as .01725. This interest rate must be a
valid value only if the Billing Code is BC.
018 The Interest Rate for Loan Type SF is capped at 10%.
125 The Interest Rate for Loan Type CL must fall within
the range of 1% to 25%.
Varia Varia Variable Billing Code 019 BC – Interest due to you for the current quarter
ble ble BI – Adjustment, resulting in a net increase in the
interest due to you from previous quarters’ billings
BD – Adjustment, resulting in a net decrease in the
interest due to you from previous quarters’ billings
027 There can be only one occurrence for each unique

combination of Loan Type and Interest Rate for Billing
Code of BC.
099 Only one adjustment for each BI, BD code is permitted

for each loan type.
Final 2/10/2008 10
LaRS Report Detail Record Layout for Interest Benefits (PART II) (RECORD_2)

Start End Number
Varia Varia Variable Ending Principal Ending Principal Balance must be entered UNLESS
ble ble Balance the Billing Code is BI or BD.
020 Must be the whole dollar amount. Must be positive or

zero. Pass real number amounts, e.g. 98143. If the
Billing Code is BI or BD then enter 0 in this field
Varia variab variable Average Daily Average Daily Principal Balance must be entered
ble le Principal UNLESS the Billing Code is BI or BD.
Balance
024 If this field is entered, fields Loan Type, Interest Rate,
Billing Code, and Ending Principal Balance must
contain valid values.
903 The total of the average daily principal balances you

reported in Part II - Interest Benefits with Billing
Codes BC and Loan Type SF differs from what we
calculated an average daily balance to be using your
prior quarter's submissions, taking into account
increases, adjustments and quarters for which we did
not process a billing. We assumed that all increases to
principal reported in Part IV; lines 3-6 for this quarter
applied to Stafford and FISL loans and occurred on the
first day of the quarter. The average daily principal
balance we calculated should be much higher than
your true average daily principal balance. The Average
Daily Principal Balance you reported was higher than
the amount we calculated. This indicates that you may
have made an error in either this quarter's ED LaRS or
your previous quarter's ED LaRS and may owe ED a
refund of interest benefits.
021 Must be the whole dollar amount. Must be positive or

variab variab variable Interest Amount 022 Interest Amount must be entered UNLESS the Billing
le le Code is BC. If the Billing Code is BI or BD, enter the
exact dollar amount to the penny. Pass real number
amounts, e.g. 98143.22.
Final 2/10/2008 11
LaRS Report Detail Record Layout for Special Allowance (PART III) (RECORD_3)

Start End Number
7 8 2 Record Type 203 Must be three (e.g. 03). This will be a constant
043 There can be only one record for each unique

combination of Year, Quarter, Special Allowance
Category, Loan Type, Interest Rate and Billing Code.
9 10 2 Billing Code 033, 034 BC – Special allowance due to you for the current
035 quarter.
BI – Adjustment, resulting in a net increase in the
special allowance due to you from previous quarters’
billings
BD – Adjustment, resulting in a net decrease in the
special allowance due to you from previous quarters’
billings
045 Billing code BI or BD, SAC code of SE or XE is not

valid prior to 1993/1; SAC code of SJ or XJ is not
valid prior to 1998/4; SAC code of SK, XK, SL, or XL
is not valid prior to 1999/1. SAC code of CA, CB, CC
and CD is not valid prior to 2000/1.
036 Billing code must be entered if there is a value in field

Average Daily Principal Balance or Adjustments.
11 14 4 Year 028 Must be 4-digit number, e.g. 2001.
15 15 1 Quarter 029 Valid values are 1,2,3,4:
1 = 1st quarter, March 31
2 = 2nd quarter, June 30
3 = 3rd quarter, September 30
4 = 4th quarter, December 31
PL = Federal PLUS
SL = Federal SLS
18 19 2 Special 030 SA, SB, SC, SD, SE, SG, SH, SJ, SK, SL, XA, XB,
Allowance XC, XE, XG, XH, XJ, XK, XL
Category
Codes for CA, CB, CC, and CD are valid for 2000/1
and later. Codes SH/XH are valid for bill periods 95/3
and later; SJ/XJ are valid for bill periods 98/3 and
later. SK/XK and SL/XL are valid for 98/4 and later.
049 Certain Loan Types are not valid for specific SACs.
-For Loan Types CL/ SL, SAC SH, XH is NOT valid.
Final 2/10/2008 12

Start End Number
-For Loan Types CL/PL/SL, SACs SJ, XJ is NOT
valid.
-For Loan Type CL, SAC SA/XA is NOT valid.
-For Loan Type SU, SAC SA, SB, SC, XA, XB, XC is
NOT valid.
-For Loan Types CL/SL SAC SG/XG is NOT valid.
-For Loan Type SF, SL, SU or CL is not valid with
SAC CD.
081 Loan Type PL/SL with SAC SE, SG, SH, XE, XH and
CD are only valid with interest rate EVAR
090 Loan Type PL/SL with SAC SA is not valid with

interest rates other than 9%.
091 Loan Type PL/SL with SAC SB is not valid with

interest rates other than 12%, or 14%.
092 Loan Type PL/SL with SAC SC is not valid with

interest rates other than 12%, 14%, VAR, and CVAR
093 Loan Type PL/SL with SAC SD is not valid with

interest rates other than VAR or CVAR.
094 Loan Type PL/SL with SAC XA is not valid with

interest rates other than 9%.
095 Loan Type PL/SL with SAC XB is not valid with

interest rates other than 12%, 14%, VAR, or CVAR.
096 Loan Type PL/SL with SAC XC is not valid with

interest rates other than 12%, 14%, VAR, and CVAR.
20 Varia variable Interest Rate EVAR – For variable Federal Stafford and
ble Unsubsidized Stafford, PLUS and SLS loans made on
or after October 1, 1992, and Consolidation loans
made during the “Emergency Consolidation Loan
Act”.
CVAR – For Federal PLUS and SLS loans made in
1986-7 where the interest rate changes each January 1
FVAR7 - Converted fixed rate loans of 7%.
FVAR8 - Converted fixed rate loans of 8% or 8/10%
FVAR9 - Converted fixed rate loans of 9%
FVAR10 - Converted fixed rate loans of 10% or
Final 2/10/2008 13

Start End Number
8/10%
FVARX - Converted fixed rate loans of 8/10%
VAR – For all other (PLUS/SLS) variable interest
rates loans made prior to 10/1/1992.
032 EVAR, CVAR, FVAR7, FVAR8, FVAR9, FVAR10,

FVARX, VAR, .07, .08, .09, .10, .11, .12, .13, .14 (also
CL rates 2.5% to 8.25%, 1% - 25%)
044 Must be complete and valid based on the Loan Type

and SAC.
Loan Type PL/SL with SAC of SE, XE, or CD is NOT
valid with Interest rate CVAR.
Loan Type SF/CL/SU and SAC SE/XE, SH/XH, or
SJ/XJ is NOT valid with Interest rate CVAR or VAR.
Loan Type SF and SAC SA/SB/XA are NOT valid
with interest rate .10.
Loan Type SF/SU with SAC SD, is NOT valid with
interest rates VAR or CVAR.
Loan Type CL with SAC SL, XL, or CC is not valid
with interest rates < 2.5% or > 8.25%.
Loan Type SF/SU with SAC CA or CB is NOT valid
with interest rates VAR or CVAR.
Interest Rate of 10% is not valid for Loan Type SF
with SAC XB/ SD and Billing Code BC.
051 Loan interest rate of EVAR can only be used with

special allowance category of SD, SE, SG, SK, SH,
XE, XG, XK or XH; as of 1998, SJ or XJ; and as of
2000, CA, CB or CD.
122 Interest rates FVAR7, FVAR8, FVAR9, and FVAR10

are only valid for billing periods 93/4 and later except
adjustments which are valid 92/3 and later.
125 Interest rate for federal consolidation (CL) loans must

fall within the range of 1% - 25%.
125B Interest rate for federal consolidated (CL) loans must

fall within the range of 2.5% to 8.25% for the billing
period greater than or equal to 1998/4.
046 The Calendar Year/Quarter/SAC/Interest Rate must

match the SAC/Interest Rate Table for the Calendar
Final 2/10/2008 14

Start End Number
Year/Quarter.
048 The Interest Rate must be EVAR for specific Loan

Type/SAC combinations.
-For Loan Types SF/PL/SU with SAC SG, SH, SJ, SK,
XG, XH, XK, CA, CB, or CD
050 Certain Interest rates are not valid for specific Loan
Types.
-For Loan Type SF Interest Rates greater than 10%, or
VAR, or CVAR are NOT valid.
-For Loan Type CL, Interest Rates less than 1% or
greater than 25% or not valid.
051 Interest rate of EVAR can only be used with special

allowance category of SD, SE, SG, SH, SK, XE, XG,
XK or XH; and as of 1998, SJ or XJ.
124 Loan Type PL/SL/CL is not valid with interest rates

other than 01% - 25%, VAR, CVAR, and EVAR.
134 Interest rate of FVARX with special allowance code of

XB or SD and billing code of BC, BI, or BD is valid
only with loan type SF and for billing periods 96/3 and
later
135 Interest rate of FVARX can be used only with special

allowance category SD or XB.
136 Loan type SF with special allowance category SD or

XB with interest rate of FVARX is invalid for billing
periods prior to 96/3.

real values with decimals: 7% would be .07.
Character interest rates need no padding, simply pass
the text string.
Final 2/10/2008 15

Start End Number
Varia Varia variable Ending Principal 037 Ending Principal Balance must be entered UNLESS
ble ble Balance the Billing Code is BI or BD.
Must be the whole dollar amount. Must be positive or
zero. Pass real number amounts, e.g. 98143.
922 For Loan Type SU the Sum of the Ending Balances

should equal the Ending Balance reported in Part V.
Since most Unsubsidized Stafford Loans are eligible
for special allowance, this indicates that you may have
misreported your ending balances for Unsubsidized
Stafford Loans in either Part III or Part V, unless this
discrepancy can be attributed to loans that retain their
guarantee but are no longer eligible for special
allowance.
Varia Varia variable Average Daily 038 Average Daily Principal Balance must be entered
ble ble Principal UNLESS the Billing Code is BI or BD.
Balance Must be the whole dollar amount. Must be positive or
910, 911, The total of the Average Daily Principal Balances you
912, 913, reported in Part III - Special Allowance with Billing
923 Codes BC and loan type SF or PL or SL or CL or SU
differed from what we calculated using the average
daily balance using your prior quarter's submissions,
taking into account increases, adjustments and
quarters for which we did not process a billing. We
assumed that all increases to principal reported in Part
IV, for the Loan Type, lines 3-6 for this quarter applied
to Stafford and FISL (for loan type SF), PLUS (for
loan type PL), SLS (for loan type SL), Consolidation
(for loan type CL), Unsubsidized Stafford (for loan
type SU) loans and occurred on the first day of the
quarter. The Average Daily Principal Balance we
calculated should be much higher than your true
average daily principal balance. The average daily
principal balance you reported was higher than the
amount we calculated. This indicates that you may
have made an error in either this quarter's ED LaRS or
your previous quarter's ED LaRS and may owe ED a
refund of Special Allowance.
The Average Daily Principal Balance you reported in

915 Part III with the combination of Special Allowance
Final 2/10/2008 16

Start End Number
Category, Loan Type, Interest Rate and Billing Code
appears to have been calculated using the average
quarterly balance method (i.e., Ending Principal
Balance last quarter plus Ending Principal Balance
this quarter divided by two). This is not an allowable
method for calculating the Average Daily Principal
Balance.
If this field is entered, the Billing Code must be BC,

040, 042 BI, or BD, and fields Year, Quarter, Special Allowance
Code, Loan Type, Interest Rate, and Ending Principal
Balance must be entered and valid.
-Calendar year and quarter must be
numeric.
-Quarter must be 1, 2, 3, or 4.
-SAC must be SA, SB, SC, SD, SE, SG, SH, SJ, SK,
SL, XA, XB, XC, XE, XG, XH, XJ, XK, XL, CA, CB,
CC, or CD.
-Interest Rate must be VAR, CVAR, EVAR, FVAR10,
FVAR7, FVAR8, FVAR9, or 1% through 25%.
-If the Loan Type is SF/SU, the Interest rate must be
EVAR, FVAR0, FVAR7, FVAR8, FVAR9, FVARX, or
7% through 10% AND the SAC must be CA, CB, SA,
SB, SC, SD, SE, SG, SH, SJ, SK, XA, XB, XC, XE,
XG, XH, XJ, or XK.
-If the Loan Type is PL/SL, the Interest Rate must be
9%, 12%, 14%, VAR, CVAR, or EVAR and the SAC
must NOT be SJ, SL, XJ, XL, CA, CB or CC.
-If the Loan Type is CL, the SAC must NOT be SH,
SJ, SK, XH, XJ, XK, CA, CB, and CD and the Interest
Rate must be 1% through 25%.
Final 2/10/2008 17

Start End Number
Varia Varia Variable Adjustments 039 Adjustments must be entered UNLESS the Billing
ble ble Code is BC. Must be the whole dollar amount. Must
be positive or zero. Pass real number amounts, e.g.
98143. If the Billing Code is BC then enter 0 in this
field
041 If there is an entry in the Adjustments field, the Billing

Code must be BI or BD and the line item must be
complete and valid.
-Calendar year and quarter must be
numeric.
-Quarter must be 1, 2, 3, or 4.
-SAC must be SA, SB, SC, SD, SE, SG, SH, SJ, SK
SL, XA, XB, XC, XE, XG, XH, XJ, CA, CB, CC, and
CD
-Interest Rate must be VAR, CVAR, EVAR, FVAR10,
FVAR7, FVAR8, FVAR9, FVARX, or 1% through
25%.
-If the Loan Type is SF/SU, the Interest Rate must be
EVAR, FVAR0, FVAR7, FVAR8, FVAR9, FVARX, or
7% through 10% AND the SAC must be SA, SB, SC,
SD, SE, SG, SH, SJ, SK, XA, XB, XC, XE, XG, XH
XJ, CA, CB, or XK..
-If the Loan Type is PL/SL, the interest rate must be
9%, 12%, 14%, VAR, CVAR, or EVAR and the SAC
must NOT be SJ, SL, XL, XJ, CA, CB, or CC.
-If the Loan Type is CL, the SAC must NOT be SH,
SJ, XH, XJ and the Interest rate must be 1% through
25%.
LaRS Report Detail Record Layout for Loan Activity (Part IV) (RECORD_4)

Start End Number
7 8 2 Record Type 203 Must be four (e.g. 04). This will be a constant.
9 10 2 Loan Type SF = Stafford except unsubsidized Stafford
PL = Federal PLUS
SL = Federal SLS
Final 2/10/2008 18

Start End Number
11 variab Variable Beginning 053 Must be entered Must be the whole dollar amount.
le Principal Must be positive or zero. Pass real number amounts,
Balance e.g. 98100.
Varia variab variable Loan Principal Must be entered UNLESS the value in the ‘Loan Type’
ble le Disbursed field above is SL (Federal SLS Must be entered Must
be the whole dollar amount. Must be positive or zero.
Pass real number amounts, e.g. 98100. If the ‘Loan
Type’ field above is SL, then enter 0 in this field.
Loan Type SL must not be reported after Billing Period

130 94/2.
For Loan Type SF, if you report loans disbursed, you

901 should have reported a comparable amount in Part I
with a Fee Code of FN.
For Loan Type PL, if you report loans disbursed, you

For Loan Type SU, if you report loans disbursed, you

For each Loan Type, if you report loans disbursed, you

929, 930, should have reported a comparable amount in Part I
932, 933 with a Fee Code of LN.
variab variab Variable Interest 055 Must be entered. Must be the whole dollar amount.
le le Capitalized or Must be positive or zero. Pass real number amounts,
Other Principal e.g. 98100.
Increases
Varia variab variable Principal of 056 Must be entered. Must be the whole dollar amount.
ble le Loans Purchased Must be positive or zero. Pass real number amounts,
e.g. 98100.
057 For each Loan Type, the value should be equal to or

greater than the sum of all Part I line items coded FB
in the Fee Code column.
variab variab Variable Principal of 058 Must be entered Must be the whole dollar amount.
le le Loans Cured Must be positive or zero. Pass real number amounts,
e.g. 98100.
Final 2/10/2008 19

Start End Number
Varia variab variable Principal of 059 Must be entered Must be the whole dollar amount.
ble le Loans Sold Must be positive or zero. Pass real number amounts,
e.g. 98100.
060 For each column (Loan Type) must equal the sum of
all Part I line items coded FS in the Fee Code column.
variab variab Variable Principal paid by 061 Must be entered Must be the whole dollar amount.
le le Insurance Claims Must be positive or zero. Pass real number amounts,
e.g. 98100.
Varia Varia variable Principal of 062 Must be entered Must be the whole dollar amount.
ble ble Loans on which Must be positive or zero. Pass real number amounts,
the Guaranty was e.g. 98100.
voided
variab variab Variable Principal of 063 Must be entered Must be the whole dollar amount.
le le Loans by Must be positive or zero. Pass real number amounts,
Borrowers and e.g. 98100.
Other Principal
Reductions
LaRS Report Detail Record Layout for Loan Portfolio Status (PART V) (RECORD_5)

Start End Number
7 8 2 Record Type 203 Must be five (e.g. 05). This will be a constant
9 10 2 Loan Type SF = Stafford except unsubsidized Stafford
PL = Federal PLUS
SL = Federal SLS
082 There must be a reporting for Loan Type CL if Loan

Type CL was reported in Part II with a Billing Code
BC.
Part V - The totals of lines 1 and 2, column D should

be equal to or more than the total amounts reported in
Part II, column D for CL loans with billing codes BC
Final 2/10/2008 20

Start End Number
11 Varia variable Loans in School 066 Must be entered UNLESS the value in the ‘Loan Type’
ble and Grace field above is PL (Federal PLUS) or SL (Federal SLS)
or CL (Federal Consolidation). Must be the whole
dollar amount. Must be positive or zero. Pass real
number amounts, e.g. 98100. If the ‘Loan Type’ field
above is PL, SL, or CL, then enter 0 in this field.
variab variab Variable Loans in 067 Must be entered Must be the whole dollar amount.
le le Authorized Must be positive or zero. Pass real number amounts,
Deferment e.g. 98100.
Varia variab variable Loans in 068 Must be entered Must be the whole dollar amount.
ble le Repayment or Must be positive or zero. Pass real number amounts,
Forbearance: e.g. 98100.
Current or less
than 31 days past
due
le le Repayment or Must be positive or zero. Pass real number amounts,
Forbearance: 31 e.g. 98100.
– 60 days past
due
Varia variab variable Loans in 070 Must be entered Must be the whole dollar amount.
– 90 days past
due
– 120 days past
due
Varia Varia Variable Loans in 072 Must be entered Must be the whole dollar amount.
ble ble Repayment or Must be positive or zero. Pass real number amounts,
– 180 days past
due
– 270 days past
due
Final 2/10/2008 21

Start End Number
Varia variab Variable Loans in 074 Must be entered Must be the whole dollar amount.
days or more
past due
variab variab Variable Claims filed, not 079 Must be entered Must be the whole dollar amount.
le le yet paid Must be positive or zero. Pass real number amounts,
e.g. 98100.
LaRS Report Trailer Record Layout (TRAILER)

Start End Number
1 6 6 Sender ID Should be Lender ID if the sender is a Lender, or
Servicer ID if the sender is a servicer. Must be a valid
ID in FSA LaRS.
7 7 1 Servicer Y = Yes, N = No
8 Varia Variable Total Number of This number should be the total number of records in
ble records in the the file including the header and trailer records.
file. Pass in real numbers, e.g. 14555
Note:
If ‘N’ is the value for the ‘Activity’ field in the LaRS Report Detail Record Header Layout
(RECORD_0), then ‘N’ should be the values for the other three ‘activity’ fields, i.e. ‘Origination or
Activity/Adjustments’, ‘Interest Activity or Adjustment’, and ‘Special Allowance or Adjustment’.
Final 2/10/2008 22
3.0Sample File Layout

Sample 1: File Layout for Servicer with 3 invoices
HEADER
700057|Y|3|
RECORD_0
800001|00|2001|4|Y|Y|Y|Y|
RECORD_1
800001|01|SF|LN|.005|EVAR|9000|
800001|01|SF|FN|.03|EVAR|9000|
800001|01|SU|LN|.005|EVAR|1313|
800001|01|SU|FN|.03|EVAR|1313|
RECORD_2
800001|02|SF|.0539|BC|50538|50523|0|
RECORD_3
800001|03|BC|2001|4|SF|CA|EVAR|40038|37011|0|
800001|03|BC|2001|4|SU|CA|EVAR|21493|21122|0|
800001|03|BC|2001|4|SF|CB|EVAR|7256|5764|0|
800001|03|BC|2001|4|SU|CB|EVAR|2490|2844|0|
800001|03|BC|2001|4|PL|SH|EVAR|5116|5214|0|
800001|03|BC|2001|4|SF|SJ|EVAR|10500|12364|0|
800001|03|BC|2001|4|SU|SJ|EVAR|8125|8125|0|
800001|03|BC|2001|4|SF|SK|EVAR|4500|2636|0|
800001|03|BC|2001|4|SU|SK|EVAR|5869|5973|0|
RECORD_4
800001|04|SF|55417|9000|0|0|0|0|0|0|2123|
800001|04|PL|5386|0|0|0|0|0|0|0|270|
800001|04|SL|0|0|0|0|0|0|0|0|0|
800001|04|CL|0|0|0|0|0|0|0|0|0|
800001|04|SU|38612|1313|0|0|0|0|0|0|1948|
RECORD_5
800001|05|SF|45009|5529|756|1000|0|0|0|0|0|0|
800001|05|PL|0|0|5116|0|0|0|0|0|0|0|
800001|05|SL|0|0|0|0|0|0|0|0|0|0|
800001|05|CL|0|0|0|0|0|0|0|0|0|0|
800001|05|SU|29618|0|5869|0|0|0|2490|0|0|0|
Invoice #2
RECORD_0
800061|00|2001|4|Y|N|Y|Y|
RECORD_1
23
800061|01|SF|LN|.005|EVAR|9000|
RECORD_2
800061|02|SF|.0539|BC|2065|2063|0|
RECORD_3
800061|03|BC|2001|4|SF|CA|EVAR|2065|2065|0|
800061|03|BC|2001|4|SU|CA|EVAR|920|920|0|
RECORD_4
800061|04|SF|2065|0|0|0|0|0|0|0|0|
800061|04|PL|0|0|0|0|0|0|0|0|0|
800061|04|SL|0|0|0|0|0|0|0|0|0|
800061|04|CL|0|0|0|0|0|0|0|0|0|
800061|04|SU|920|0|0|0|0|0|0|0|0|
RECORD_5
800061|05|SF|2065|0|0|0|0|0|0|0|0|0|
800061|05|PL|0|0|0|0|0|0|0|0|0|0|
800061|05|SL|0|0|0|0|0|0|0|0|0|0|
800061|05|CL|0|0|0|0|0|0|0|0|0|0|
800061|05|SU|920|0|0|0|0|0|0|0|0|0|
Invoice #3
RECORD_0
800288|00|2001|4|Y|Y|Y|Y|
RECORD_1
800288|01|SF|LN|.005|EVAR|3667|
800288|01|SF|FN|.03|EVAR|3667|
800288|01|PL|LN|.005|EVAR|7870|
800288|01|PL|FN|.03|EVAR|7870|
RECORD_2
800288|02|SF|.0539|BC|14417|12150|0|
800288|02|SF|.0619|BC|2524|2525|0|
RECORD_3
800288|03|BC|2001|4|SF|CA|EVAR|9167|6955|0|
800288|03|BC|2001|4|PL|CD|EVAR|16917|11568|0|
800288|03|BC|2001|4|SF|SH|EVAR|2524|2524|0|
800288|03|BC|2001|4|PL|SH|EVAR|12546|12657|0|
800288|03|BC|2001|4|SF|SJ|EVAR|5250|5250|0|
800288|03|BC|2001|4|SF|SK|EVAR|690|701|0|
800288|03|BC|2001|4|SU|SK|EVAR|2463|2505|0|
RECORD_4
800288|04|SF|13985|3667|0|0|0|0|0|0|22|
24
800288|04|PL|22085|7870|0|0|0|0|0|0|490|
800288|04|SL|0|0|0|0|0|0|0|0|0|
800288|04|CL|0|0|0|0|0|0|0|0|0|
800288|04|SU|2541|0|0|0|0|0|0|0|77|
RECORD_5
800288|05|SF|16941|0|690|0|0|0|0|0|0|0|
800288|05|PL|0|0|29464|0|0|0|0|0|0|0|
800288|05|SL|0|0|0|0|0|0|0|0|0|0|
800288|05|CL|0|0|0|0|0|0|0|0|0|0|
800288|05|SU|0|0|2463|0|0|0|0|0|0|0|
TRAILER
700057|Y|64|
25
Sample 2: File Layout for Lender with 1 invoice
HEADER
800001|N|1|
RECORD_0
800001|00|2001|4|Y|Y|Y|Y|
RECORD_1
800001|01|PL|LN|.005|EVAR|3685|
800001|01|PL|FN|.03|EVAR|3685|
800001|01|SU|LD|.005|EVAR|3469|
800001|01|SU|LI|.005|EVAR|208|
800001|01|SU|LN|.005|EVAR|6625|
800001|01|SU|FD|.03|EVAR|3469|
800001|01|SU|FI|.03|EVAR|208|
800001|01|SU|FN|.03|EVAR|6625|
RECORD_2
800001|02|SF|.0539|BC|2555|2555|0|
RECORD_3
800001|03|BD|2001|3|SU|CA|EVAR|0|0|1121|
800001|03|BC|2001|4|SF|CA|EVAR|2555|2555|0|
800001|03|BC|2001|4|SU|CA|EVAR|9024|7651|0|
800001|03|BC|2001|4|PL|CD|EVAR|25942|23098|0|
RECORD_4
800001|04|SF|2555|0|0|0|0|0|0|0|0|
800001|04|PL|22257|3685|0|0|0|0|0|0|0|
800001|04|SL|0|0|0|0|0|0|0|0|0|
800001|04|CL|0|0|0|0|0|0|0|0|0|
800001|04|SU|5855|6625|0|0|0|0|0|0|3456|
RECORD_5
800001|05|SF|2555|0|0|0|0|0|0|0|0|0|0|
800001|05|PL|0|0|25942|0|0|0|0|0|0|0|
800001|05|SL|0|0|0|0|0|0|0|0|0|
800001|05|CL|0|0|0|0|0|0|0|0|0|
800001|05|SU|9024|0|0|0|0|0|0|0|0|0|
TRAILER
800001|N|26|
Sample 3: File Layout for Servicer with 1 invoice (BI and BD)
700057|Y|1|
888888|01|SF|LI|5|EVAR|3575|
888888|01|SF|LN|.005|EVAR|4266|
888888|01|SF|FI|.03|EVAR|3575|
888888|01|SF|FN|.03|EVAR|4266|
888888|01|PL|LN|.005|EVAR|9649|
26
888888|01|PL|FN|.03|EVAR|9649|
888888|01|SU|LI|.005|EVAR|2488|
888888|01|SU|LN|.005|EVAR|2078|
888888|01|SU|FI|.03|EVAR|2488|
888888|01|SU|FN|.03|EVAR|2078|
888888|02|SF|0|BI|0|0|14.38|
888888|02|SF|.539|BC|40078|40981|0|
888888|02|SF|.619|BC|24288|24607|0|
888888|02|SF|.679|BC|19186|19233|0|
888888|03|BD|2001|2|SF|CA|EVAR|0|0|1221|
888888|03|BD|2001|2|SU|CA|EVAR|0|0|2284|
888888|03|BI|2001|2|SF|CB|EVAR|0|0|1221|
888888|03|BI|2001|2|SU|CB|EVAR|0|0|2284|
888888|03|BI|2001|2|SU|SG|EVAR|0|0|1673|
888888|03|BD|2001|2|SU|SH|EVAR|0|0|1673|
888888|03|BD|2001|2|SF|SJ|EVAR|0|0|367|
888888|03|BD|2001|2|SU|SJ|EVAR|0|0|5369|
888888|03|BI|2001|2|SF|SK|EVAR|0|0|367|
888888|03|BI|2001|2|SU|SK|EVAR|0|0|5369|
888888|03|BD|2001|3|SF|CA|EVAR|0|0|860|
888888|03|BD|2001|3|SU|CA|EVAR|0|0|2916|
888888|03|BI|2001|3|SF|CB|EVAR|0|0|1916|
888888|03|BI|2001|3|SU|CB|EVAR|0|0|3584|
888888|03|BI|2001|3|SF|SE|EVAR|0|0|19|
888888|03|BI|2001|3|SU|SG|EVAR|0|0|2136|
888888|03|BD|2001|3|SU|SH|EVAR|0|0|2159|
888888|03|BD|2001|3|SF|SJ|EVAR|0|0|576|
888888|03|BD|2001|3|SU|SJ|EVAR|0|0|8424|
888888|03|BI|2001|3|SF|SK|EVAR|0|0|576|
888888|03|BI|2001|3|SU|SK|EVAR|0|0|8424|
888888|04|SF|288275|7841|291|0|0|0|5270|0|19295|
888888|04|PL|114654|9649|0|0|0|0|0|0|4334|
888888|04|SL|5323|0|0|0|0|0|0|0|135|
888888|04|CL|0|0|0|0|0|0|0|0|0|
888888|04|SU|191982|4566|2634|0|0|0|2381|0|2291|
888888|05|SF|65594|17959|158878|10706|503|0|18203|0|0|0|
888888|05|PL|0|0|89774|9403|5248|0|15540|0|0|0|
888888|05|SL|0|4160|1031|0|0|0|0|0|0|0|
888888|05|CL|0|0|0|0|0|0|0|0|0|0|
888888|05|SU|58197|11457|85891|14215|12117|0|3612|9022|0|0|
700057|Y|47|
27

Description: Tags: File Transfer Process

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LaRS File Transfer Process and Record Layout

1.0 LARS DATA FILE LOAD......................................................................................................................2

1.0LaRS Data File Load

1.2 Process Overview

Below is a graphical depiction of the process:

1.3 Rejection / Re-Submission

1.4 File Level Error Checks

1.5 Invoice Level Error Checks

Items to assist the Lender/ Servicer in sending valid invoices include:

1.6 File Extension

2.0LaRS File Layout

2.2 File Naming Convention

2.3 LaRS Data File Layout

LaRS Report Header Record Layout (HEADER)

Position Length Data Element Edit Additional Information

7 7 1 Servicer 201 Y = Yes, N = No

LaRS Report Header Record Layout (HEADER)

Position Length Data Element Edit Additional Information

LaRS Report Detail Record Header Layout (RECORD_0)

Position Length Data Element Edit Additional Information

Position Length Data Element Edit Additional Information

017 There can be only one occurrence for each unique

FN - New loans you have made in the quarter covered

Origination fee adjustments to previously reported

Lender loan fees for current quarter:

Lender fee adjustments to previously reported

Position Length Data Element Edit Additional Information

111 If the Loan Type is PL or SL the Fee Percent must be

112 If the Loan Type is SF the Fee Percent must be valid

In the file layout these numbers will be represented as

Position Length Data Element Edit Additional Information

120 Interest rates FVAR7, FVAR8, FVAR9, FVAR10, or

125 Interest rate for federal consolidated (CL) loans must

In the file layout these numbers will be represented as

Position Length Data Element Edit Additional Information

Pass real number amounts, e.g. 98143.

Position Length Data Element Edit Additional Information

9 10 2 Loan Type 113 SF = Stafford except unsubsidized Stafford

018 The Interest Rate for Loan Type SF is capped at 10%.

027 There can be only one occurrence for each unique

099 Only one adjustment for each BI, BD code is permitted

Position Length Data Element Edit Additional Information

020 Must be the whole dollar amount. Must be positive or

903 The total of the average daily principal balances you

021 Must be the whole dollar amount. Must be positive or

Position Length Data Element Edit Additional Information

043 There can be only one record for each unique

045 Billing code BI or BD, SAC code of SE or XE is not

036 Billing code must be entered if there is a value in field

Position Length Data Element Edit Additional Information

090 Loan Type PL/SL with SAC SA is not valid with

091 Loan Type PL/SL with SAC SB is not valid with

092 Loan Type PL/SL with SAC SC is not valid with

093 Loan Type PL/SL with SAC SD is not valid with

094 Loan Type PL/SL with SAC XA is not valid with

095 Loan Type PL/SL with SAC XB is not valid with

096 Loan Type PL/SL with SAC XC is not valid with

Position Length Data Element Edit Additional Information

032 EVAR, CVAR, FVAR7, FVAR8, FVAR9, FVAR10,

044 Must be complete and valid based on the Loan Type

051 Loan interest rate of EVAR can only be used with

122 Interest rates FVAR7, FVAR8, FVAR9, and FVAR10