"We will open the book.  Its pages are blank.  We are going to put words on them ourselves.  The book is called Opportunity and its first chapter is New Year's Day".

~Edith Lovejoy Pierce

A new year brings new opportunity for a fresh start. And, as we begin a fresh start with this new year, it's good to know that - as in years past - we can continue to rely on the Common Manual as an  up-to-date, indispensable resource to the federal student loan industry.

Nancy Masten

Common Manual Governing Board