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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">Hello friends and colleagues,</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">I am writing to request your assistance in sharing the word about the upcoming HELC (</span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(70, 120, 134);"><u><a style="color: rgb(70, 120, 134); margin: 0px;" data-auth="NotApplicable" data-linkindex="1" data-ogsc="" originalsrc="https://higheredloancoalition.org/" title="Original URL: https://higheredloancoalition.org/. Click or tap if you trust this link." class="OWAAutoLink" id="OWAf5279317-5c5f-6b5c-7f31-c394483beeb3" href="https://higheredloancoalition.org/">Higher
 Education Loan Coalition</a></u></span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">) webinar scheduled for <b><i>December 3 from 1:00 to 3:00 Eastern</i></b>. If you would be willing to share information about this with
 your members, and also with your state presidents for them to share with their state membership, I would greatly appreciate it. The webinar is <b><i>free and open to all</i></b>!</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">With the holiday ahead, I know time is short.  It would be great if you could get a message out to members today or tomorrow, as next week is the holiday, and the event is the
 week following!  We have over 1700 individual registered already, but we are hoping to make sure that all who would like to attend are informed about the opportunity.</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">The webinar, entitled “<b>HELC Presents: Transitions Ahead – The One Big Beautiful Bill</b>”, will review the big changes coming from OB3 to student and parent loans, and review
 what schools should be doing now to prepare. As you know, big changes are coming to graduate and undergraduate financial aid for the 2026-27 academic year, and schools should be taking steps now to get ready. We will have leading financial aid experts who
 will share what you need to know now.</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">The webinar will consist of 4 sections:</span></p>
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<span role="presentation" style="font-size: 11pt;">Review of the changes coming from OB3</span></li><li style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0); margin: 0in;" class="elementToProof">
<span role="presentation" style="font-size: 11pt;">Private lender panel discussing the private student loan marketplace</span></li><li style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0); margin: 0in;" class="elementToProof">
<span role="presentation" style="font-size: 11pt;">What schools should be doing now to prepare for the changes ahead</span></li><li style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0); margin: 0in;" class="elementToProof">
<span role="presentation" style="font-size: 11pt;">A review of TILA and Preferred Lender requirements</span></li></ul>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">There will also be Q&A offered.</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">The Higher Education Loan Coalition (HELC)  is comprised of schools dedicated to the continuous improvement and strengthening of the student loan programs. Its members are financial
 aid professionals working at participating institutions.</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);"><b>Registration for the webinar can be found at </b></span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(70, 120, 134);"><b><u><a style="color: rgb(70, 120, 134); margin: 0px;" data-auth="NotApplicable" data-linkindex="2" data-ogsc="" originalsrc="https://miami.zoom.us/webinar/register/WN_jorKtV23SnGnqxx89GpH4Q/#/registration" title="Original URL: https://miami.zoom.us/webinar/register/WN_jorKtV23SnGnqxx89GpH4Q/#/registration. Click or tap if you trust this link." class="OWAAutoLink" id="OWAc40aedba-dce1-8587-6ae0-9d08d174c68e" href="https://miami.zoom.us/webinar/register/WN_jorKtV23SnGnqxx89GpH4Q/#/registration">https://miami.zoom.us/webinar/register/WN_jorKtV23SnGnqxx89GpH4Q/#/registration</a></u></b></span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);"><b>.</b></span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);"><b> </b></span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 0, 0);">Thank you, and feel free to contact me with any questions.</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);"><b>With gratitude,</b></span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);"><img size="18106" style="width: 2.25in; height: 0.7333in; max-width: 564px; min-width: auto; min-height: auto; margin: 0px;" height="70" width="216" id="x_x_Picture_x0020_187168907" alt="Text

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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);">Assistant Vice President</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);">Office of Student Financial Assistance & Student Employment</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);">Division of Enrollment Management</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);">phone: 305.284.2270<b> |
</b>email: </span><span style="font-family: Aptos, sans-serif; font-size: 12pt; color: blue;"><u><a style="color: blue; margin: 0px;" data-linkindex="3" data-ogsc="" title="mailto:dbarkowitz@miami.edu" class="OWAAutoLink" id="OWA54f86ab0-cd36-1baa-9a36-bf40a346e497" href="mailto:dbarkowitz@miami.edu">dbarkowitz@miami.edu</a></u></span><span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);"> </span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);"><u><a style="color: rgb(0, 0, 0); margin: 0px;" data-auth="NotApplicable" data-linkindex="4" data-ogsc="" originalsrc="https://100.miami.edu/" title="Original URL: https://100.miami.edu/. Click or tap if you trust this link." class="OWAAutoLink" id="OWAbccdf497-50ce-2df1-e5ed-2c8b88c6be43" href="https://100.miami.edu/"><img size="44559" style="width: 2.275in; height: 0.95in; max-width: 564px; min-width: auto; min-height: auto; margin: 0px;" height="91" width="218" data-ogsc="" id="x_x_Picture_x0020_188505394" alt="A green and orange text

AI-generated content may be incorrect." data-outlook-trace="F:2|T:2" src="cid:a1c6cbd0-bd8f-450e-b0cc-e4c4d3906f5e"></a></u>         
  <u><a style="color: rgb(0, 0, 0); margin: 0px;" data-auth="NotApplicable" data-linkindex="5" data-ogsc="" originalsrc="https://www.nasfaa.org/certification" title="Original URL: https://www.nasfaa.org/certification. Click or tap if you trust this link." class="OWAAutoLink" id="OWA08f7c1f4-e9cf-5cc6-fef7-2e76ffc6bdff" href="https://www.nasfaa.org/certification"><img size="36268" style="width: 1.1333in; height: 1.1083in; max-width: 564px; min-width: auto; min-height: auto; margin: 0px;" height="106" width="108" data-ogsc="" id="x_x_Picture_x0020_1751697074" alt="NASFAA - FAAC® 100+ Badge - 2022-05-16" data-outlook-trace="F:2|T:2" src="cid:33d09de1-340d-495f-9abe-fe51a57f0e70"></a></u></span></p>
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<div dir="ltr" style="mso-line-height-rule:exactly;-webkit-text-size-adjust:100%;font-size:1px;direction:ltr;"><table dir="ltr" cellpadding="0" cellspacing="0" border="0" style="width:100%;direction:ltr;border-collapse:collapse;font-size:1px;"><tr style="font-size:0;"><td align="left" style="vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="width:500px;border-collapse:collapse;font-size:0;"><tr style="font-size:0;"><td align="left" style="padding:0;vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;font-size:0;line-height:normal;"><tr style="font-size:0;"><td align="left" style="padding:0 10px 0 0;vertical-align:middle;"><img src="cid:image329534.png@A47A79E6.045BABD0" width="133" height="37" border="0" alt="" style="width:133px;min-width:133px;max-width:133px;height:37px;min-height:37px;max-height:37px;font-size:0;" /></td><td align="left" style="padding:0;vertical-align:top;"><img src="cid:image041559.png@CF841EAF.EF987BC3" width="40" height="202" border="0" alt="" style="width:40px;min-width:40px;max-width:40px;height:202px;min-height:202px;max-height:202px;font-size:0;" /></td><td align="left" style="padding:0;vertical-align:bottom;"><table cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;font-size:0;"><tr style="font-size:0;"><td align="left" style="padding:0;vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="width:100%;border-collapse:collapse;font-size:0;"><tr style="font-size:0;"><td align="left" style="vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="white-space:nowrap;color:#074C8E;font-size:12px;font-family:Arial;font-weight:700;font-style:normal;text-align:justify;border-collapse:collapse;"><tr style="font-size:15px;"><td style="font-family:Arial;">Dustin L. Davidson, FAAC®</td></tr></table></td><td><span style="font-family:remialcxesans;font-size:1px;color:#FFFFFF;line-height:1px;">​<span style="font-family:'template-EazJ_YSkEe-EcwAiSCkyTw';">​</span><span style="font-family:'zone-1';">​</span><span style="font-family:'zones-AQ';">​</span></span></td></tr><tr style="font-size:0;"><td align="left" style="vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="white-space:nowrap;color:#000001;font-size:12px;font-family:Arial;font-weight:400;font-style:normal;text-align:justify;border-collapse:collapse;"><tr style="font-size:12px;"><td style="font-family:Arial;">Financial Aid/Veteran's Affairs Coordinator</td></tr></table></td></tr></table></td></tr><tr style="font-size:0;"><td align="left" style="padding:20px 0 0;vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="white-space:nowrap;color:#000001;font-size:12px;font-family:Arial;font-weight:700;font-style:normal;text-align:justify;border-collapse:collapse;"><tr style="font-size:12px;"><td style="font-family:Arial;">Great Plains Technology Center<br /><a href="https://www.google.com/maps/place/4500+SW+Lee+Blvd,+Lawton,+OK+73505" target="_blank" id="LPlnk689713" style="text-decoration:none;color:#000001;font-weight:400;">4500 SW Lee Blvd<br />Lawton, OK, 73505</a><br /></td></tr></table></td></tr><tr style="font-size:0;"><td align="left" style="padding:20px 0 0;vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="white-space:nowrap;color:#000001;font-size:12px;font-family:Arial;font-weight:700;font-style:normal;text-align:justify;border-collapse:collapse;"><tr style="font-size:12px;"><td style="font-family:Arial;">Email: <a href="mailto:ddavidson@greatplains.edu" target="_blank" id="LPlnk689713" style="text-decoration:none;color:#000001;font-weight:400;">ddavidson@greatplains.edu</a></td></tr></table></td></tr><tr style="font-size:0;"><td align="left" style="padding:20px 0 0;vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="border-collapse:collapse;font-size:0;"><tr style="font-size:0;"><td align="left" style="padding:0;vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="white-space:nowrap;color:#000001;font-size:12px;font-family:Arial;font-weight:700;font-style:normal;text-align:justify;border-collapse:collapse;"><tr style="font-size:12px;"><td style="font-family:Arial;">Tel: </td></tr></table></td><td align="left" style="padding:0;vertical-align:top;"><table cellpadding="0" cellspacing="0" border="0" style="white-space:nowrap;color:#000001;font-size:12px;font-family:Arial;font-weight:400;font-style:normal;text-align:justify;border-collapse:collapse;"><tr style="font-size:12px;"><td style="font-family:Arial;"><a href="tel:500250-5534" target="_blank" id="LPlnk689713" style="text-decoration:none;color:#000001;">580-250-5534</a></td></tr></table></td></tr><tr style="font-size:0;"><td align="left" style="padding:0;vertical-align:top;"></td><td align="left" style="padding:0;vertical-align:top;"></td></tr><tr style="font-size:0;"><td align="left" style="padding:0;verti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