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The entrance counseling requirement must be satisfied prior to loan disbursement.
As noted above, the Bureau believes that many lenders use automated systems when originating loans and would incorporate many of the procedural requirements of the ATR approach into those systems.
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Data derived from Appendix D—Alternative Financial Services: National Tables.It
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Keith New, a spokesman for the company, which also does business as FedLoan Servicing, declined to comment.