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Additionally , FMS issues operational and procedural guidelines regarding government-wide credit management and debt collection such as `` Managing Federal Receivables '' and the `` Guide to the Federal Credit Bureau Program . The number will be placed in the space on standard form vouchers identified as " Voucher No. " This rule will apply regardless of which operating or administrative unit or division of the agency , including the disbursing office , may under agency internal operating procedures , actually assign and place the number on the document . Agencies should also utilize the monitoring efforts of GSEs and similar organizations for guaranteed loans that have been `` pooled '' . Loans for borrowers who are deemed to pose less of a risk should receive a lower guarantee . Further , agencies shall assess a penalty charge of not more than six percent ( 6 % ) per year for failure to pay a debt more than ninety ( 90 ) days past due , unless a statute , regulation required by statute , loan agreement , or contract prohibits charging interest or assessing charges or explicitly fixes the interest rate or charges . a. Collection Strategy . a. Direct Loans . She reports that she ca n't stop thinking about the words " good luck . Some reclassify such debt as " current " but others keep it in a delinquent category regardless of the current payment status . Government 's Receivables '' and `` Delinquent Debt Collection '' ) also apply to receivables due to the Government from the sale of goods and services ; fines , fees , duties , leases , rents , royalties , and penalties ; overpayments to beneficiaries , grantees , contractors , and Federal employees ; and similar debts . " In the stop task , children are asked to respond as quickly as they can to a " go " signal , unless they get a " stop " signal . Virtually all teenagers have swings in temperament during these years when they are trying to accomplish a wide range of developmental tasks including adjusting to the physical changes of puberty , separating from their parents , and focusing on educational or vocational goals . Again , this information is saved in a separate table so the original database is preserved and the collection manager can review the comments and make changes at his or her discretion . a. Loan guarantees may provide several advantages over direct loans . As in the case of guardians of minors , the designation in this class of cases will be governed by the local law according to the title given the representative , for example : " C ., conservator of the estate of X ., incompetent , " " A. and B ., committee for X ., incompetent , " " G ., guardian of X ., incompetent , " etc. Loan asset sales / prepayment programs must be conducted in accordance with policies in this Circular and procedures in `` Managing Federal Receivables , '' including the prohibitions against the financing of prepayments by tax-exempt borrowing and sales with recourse except where specifically authorized by statute . a. Proposed legislation on credit programs , reviews of credit proposals made by others , and testimony on credit activities submitted by agencies under the OMB Circular No. A-19 legislative review process should conform to the provisions of this Circular .