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Since the tax refund offset began in 1986 , the government has recovered more than $ 6 billion . When guaranteed loans become delinquent , the lending institution , not the government , is required to contact the borrower initially and carry out certain procedures to give the borrower the opportunity to resume making timely payments . Line up 20 skulls of the same sex and species , and the differences between them pop out . Under legislation governing the FHA and VA housing programs , which assess insurance fees to cover losses , proceeds from disposition of assets are considered to fully satisfy the debt and the government does not pursue residual amounts due from the borrower . A - There is the " snail 's pace " . To Apply : Please send a statement of interest in working at the Academy , complete the application form and select an advisor and project from the Summer Systematics Institute 2003 section , two letters of recommendation at least one must be from a science professor , and one set of official transcripts . \ 2 The foreclosed property would generally be either ( 1 ) sold by the lender , with the government paying the lender for the guaranteed portion of any difference between the amount recovered on the sale and the uncollected portion of the loan principal and interest or ( 2 ) turned over to the government , with the government paying the lender for the guaranteed portion of any uncollected loan principal and interest . The query parameters entered on the form are summarized in query language at the top of every result page . Luis spent many years studying the mating habits , songs and language of birds and became a leading expert in this field . We conducted our work from October 1995 through March 1997 in accordance with generally accepted government auditing standards .