University Daily Kansan
Wednesday, October 30.1974
11
Default rate for students lower at KU
Student default rates on loans are much lower in Lawrence than nationally, Jeff Weinberg, associate director of student financial aid, said yesterday.
"Our default rate is way below most, it is insignificant, really," Weinberg said. "The closer the agency is to the student borrower, the lower the default rate."
Weinberg's comments in the wake of demands by the American Bankers Association to Congress and the U.S. Office of Education to take quick steps to remedy "intolerable" delinquency by students in repaying loans.
Two kinds of loans are offered to students. One, the National Direct Student Loan One, allows students directly through universities. Interest rates are three per cent per year over a 10-year reimbursement period. The program operates on nearly 90 per cent
The other, the Guaranteed Student Loan (GLS) program, is handled by banks using private money and has a yearly interest rate of seven per cent.
The KU 4.9 per cent NDSL default rate is incredibly low, Weinberg said, and is due to an efficient federal accountant and staff who keep up with their students.
One problem rests with the GSL, rate of reimbursement.
There is a considerable problem with the
Germanization of Lemberg said.
"There is a serious question about
The GSL doesn't break even, Weinberg said. When a 12 per cent prime interest rate is compared with seven per cent interest on a loan and overhead costs, the program becomes more of a community service than anything else.
Lack of personnel hammers banks in collecting, Weinberg said. He postulated that when a student withdrew from the University and had a loan outstanding, Weinberg knew the same day, Banks, however, are not alerted until later.
Furthermore, the student is required by law to notify the bank of his whereabouts. Consequently, the student often has left there the bank knows what has happened.
Low achievement qualifiers for the GSL are one reason for the high national default rates, he said. Truck driving, technical and social studies, all require this money. However, the students who graduate from these schools often do not get good jobs after graduation. The default rate could be as much as three times higher in institutions of higher learning, he said.
Bankruptcy is still another problem with the GSL. Many second semester seniors declare bankruptcy so they can start out with their studies, but don't realize what this means, though, in terms of future credit standing. They ignore the fact that they have nearly a year to make their payment. A federal process attempts to remove a bankruptcy clause from the GSL.
People should look beyond misleading statistics to find a truer meaning in the rates he said. Those statistics include breakdowns in university, college, junior college, technical and vocational school percentages.
The NDSL program is big business, Weinberg said, and collects nearly $500,000 a year on the Lawrence campus alone. In 1973/74, $1.25 million were awarded in loans. Figures for 1975-76 could reach as high as $1.75 million, he said.
Consumer group gets complaints on higher rents
The Consumer Protection Association (CPA) in Lawrence recently has encountered several cases of questionable rent raises intervened by local tenants.
Carol Bone, CPA director, said recently that she questioned the legality of the rent increases in these particular instances because the tenants had current leases.
If the tenant hasn't signed a lease, a rent increase with proper notice is legal, she can afford a tenant has signed a current contract that she is required to rent an increased rent, then the increase is illegal.
"Every tenant should be familiar with his lease," Boone said. "You'd be surprised at how many people just assume that since he is going up, they'll have to pay the extra $10 in per month. A lot of people won't even stop and consider the terms of their lease."
Borne urged all prospective renters to ask questions before signing a lease if they were required of its terms. They also should be certain that the deposit for the return of security deposits, she said.
The CPA often refers cases to the Douglas Aid总会 refer cases, 846% Indian, she said.
Boone said even though the CPA probably had more experience in dealing with landlord situations, the Legal Aid Society was better qualified to give legal opinions.
The Legal Aid Society has handled about 100 landlord-tenant conflicts this semester, according to Stan Martin, Abilene junior and an intern with the Legal Aid Society.
Alexander's now has a new bathshop with accessories in every color and size. Just ask us, we use our gift selection. Cash and carry flowers and plants for any occasion.
Mon · Fri 8.4
Five Days
25 words or fewer : $2.50
each additional word : $0.3
KANSAN WANT ADS
One Day
KANSAN CLASSIFIED RATES
each additional word: $.01
One Day
25 words or fewer: $1.50
Three Days
Accommodations, goods, services and employment advertised in the University Daily Kaanan are offered to students in any branch of the national origin. PLEASE RING ALL CLASSIFIED TO 111 FLINT HALL.
FOR SALE
CORP PLUS 160% Stereo Equipment. All major
components of equipment include:
Single items of packages. Call Dawn at 400-
325-9855 for details.
Attention wise buyer. For your used furniture
Furniture and Refinishing. 843-2721. Wells
Furniture and Refinishing. 843-2721.
Compare our guarantees and you'll see why we don't. Our customers are satisfied with patients and microphones. Audience systems 6/9th. We are always on the lookout for new technologies.
WHERE TO BUYUM. Student ID discount Cars
Hewlett, 4d and TUIPLEM. up-A-1 Auto Sales,
Hewlett, 4d and TUIPLEM. up-A-1 Auto Sales,
25 words or fewer: $2.00
each additional word: $.02
Deadline: 5:00 p.m. 2 days before publication
Save 1/2 on your Fall dresses. Buy samples at the Shop, 843 Massachusetts, Downtown,fft.
Did you know General Jeans has jacket and jean outfit? Dyamite!! 11-21
Hylands Homeopathic Headquarters—calle sella
Homeopathics—remind—Round Drug Store
801 Mass. Rd.
The Big Four-Leitchin, vinegar, and B-6
The Big Four-Cornet Court, daler, Stor.
Mass. 843-4000
Mass. 843-0000
44 Magnum handgun - South and Wusson. Model .380 with barrels. Work with the condition. With display box, holder and other accessories. (1)
For Sale - CAPILYI 1973 2000 Automatic. Excellent condition. Must sell. $849-494, 10-30.
1968 Sahal Deluxe. Good condition. $95.00 or less
841-3127, ask for John.
10-30
MAHC
MACH
MACHT
Luxury interior, stucco, stereo, AM-FM
Four month old. Must sell-best 1.
841-2820
841-2820
Previously awarded PMXIE Bhee 25*. Frame for the PMXIE Bhee 19.4.1 new customised model. Acc. Ict chainlinked network.
1969 Spat Flider 850. must call. Call 841-449 after
5. weekdays. any time weekends.
10-30
Salt Barber Parish-AKC registered Charity
Salt Barber Parish-Free to good home. 801-635-7994
Adult female-free to good home. 801-635-7994
Must Sell 88 WV Squareback. In good condition.
Call Rake at 842-5712. 10:31
For Sale LLOYD'S store, 25 watt system, amm,
10.8V, 4-8 ohms, $495.
Like new condition, $90. Call John H. Björk 822-7447
or Brian Lloyd 822-7447.
Must sell. Kenwood K4000 receiver dial 1215转速
electrovac speaker cabinet. Best offer, all of
electrovac speakers. Call for details.
Gibson BS355 bass guitar,walnut finish,humbucking
Bass kit,with adjuster and 4-piece fretboard
offer- $149.124 for 21-ear pads.
10.31
10.31
Western Civilization Notes—Now on Sale!
Make sense out of Western Civilization!?
Makes sense to use them—
Used furniture and appliances. Some good, some
bad. Check for them items. Freemen used furni-
ture. Check for them items. Freemen used furni-
Get R together (with a little help from your friends)
2) For class preparation
3) For exam preparation
Available now at Town Center and Campus Madhouse. ff
For Sale - 1890 Toyota Corona, tutor comp. Flavor
Fri-Sat 5-6pm, 10am-4pm. $2,300. 4199 Anytime weekends, after 5 p.m.
weekdays. Call (718) 345-6780.
For Salt-King Size watered, with elevated
pH, for 12 hr. For regular water, for 64 hr.
Pair condition for best offer for both Call 852-367-0596.
Salt KING SIZE WATERED
Every man, woman and child a Tiger-with-
love. Round Corner Drug Drops
810-804-6320 810-804-6200
cast and reed. Birth charts 101, Readings for the year 110. Birth charts for the same person 115, Couples charts 116. Birth charts in relation to each other 122. Allo- allo-less lessons in casting and intricating charts.
HOROSCOPES
EVY GERSHON CROWE-843-6803
DENIER LOUK
J. Hood BOOKSELLER Quality Used Books Bought & Sold
Wide Variety
1405 Mass. 841-4644
Hours: 1 p.m.,-9 p.m. Mon.-Thurs.
10 a.m.-6 p.m. Sat.
1 n.p.m. Sun.
bokonon flashback attire
WESTSIDE GREENHOUSE
of Tropical Plants
Hanging plants
Pots of all descriptions including some from Mexico
Most reasonable prices in town
Cactus blooming plants Hanging plants
same from Mexico Most reasonable prices in town
SYS of all descriptions inc
some from Mexico
440 Florida Street
1 1/2 blocks north of Dairy King on 6th Street
Recycled Denim
Western & Hawaiian Shirts
Leather and Fur Coats
Silk and Velvet Dresses
Mon.-Wed. 12-5
Thur.-Fri. 11i6
Sat. 10:30-5
819 Vermont
Crown IC-156 pneumatics. Intermediation dosis
of 10 mg/kg, with or without saline. $283 for sale.
With walnut casket. $389 for sale.
yesterday's clothes at
FOR SALE  P11-2D t-durable with new Store M 91 ED. Proedcer, 7 months old, perfect condition. $80. Also袍 KLUF-23 speakers Walnut cabinet. Walnut cabinet. wofer. 814-815. 11-4
Fax To Sales-Promotion TX-62000 FM-AFM Tuner RMS
Digitized 1984 Bordner Hybrid guitar. Call 811-356-
1800 fax@bordnerhybrid.com
Now in stock—the consignment sales item at
www.ebay.com/shop/escape-music-receiver w/digital clock 2. Zenith Cassette Deck
wired with USB cable 4. Samsung phones w/ extension cord 5. Quad No. 308
wired with USB cable 6. Samsung phones w/ extension cord 42 w/ turntable 10. Scott 477 Receiver 11. creeper 11. Sony TC110 portable cassette player with sound of inuit w/ stand 24 w/ hard return pollinator
Woollanskir re-to-real Top Deck-room® 6369
New York, NY. Receive a free September
September excellent condition. Allows $300
to purchase. Call 800-425-3650.
TURBANTE 1218 Dulcet New AT-13, ASC-
065 Offer Briar - Day 841-772, 842-821,
842-820
Electric stand-up AMPEG string bass, with case,
in good condition, strings $12.00 to $15.00
11-5
WALLPAPER UNLIMITED EXPORT押赠香港 Free estimates given. Call Ed Lau 841-3239 e-mail edlau@vnet.com
NOTICE
Abbie saxxenlief for sale. In good condition. Pliane
Abbie saxxenlief for sale. In good condition. Pliane
For Sale - Martin D-18 73 very good con. Call
842-9219 evenings.
11-4
Speakers for sale, one pair for only 5 months,
will cost $199. will sell for $109. Call John at 81-339-3291.
yesterday's prices
WV—one owner. Black with excellent body and driveway talent. Call 811-325-4700, econ. info: call 811-325-4700.
LAWRENCE GAV LIBERATION INC. weekly meetings 7:30 p.m., Mondays; Union office 112E RA/Coaching 849-275-3521, RAP/Counseling 849-275-3521, SCIALIZING 849-275-3521, late evening.
You can still find clothing findings if you look closely at the front of the garments. If buying samples at the Attic, 927 Mass. Street, you might spot a pair.
PHINTING WHILE YOU WAIT. Let us do your
phinting for you at the office. $10.00.
Phinting for $8,14.00. Phinting for $13,00. We want
a quick response. Call us at 212-765-4900.
Auction every Saturday night. 7:30 p.m. For
applications, etc. Consignments welcome.
(Usually by midnight).
MICHIGAN ST. BAR-B Q. Ribs, Beef, and
Chicken have been our speciality for over 10 years. You can eat it hire or take out. Open Sunday. 8:45-11:30 on Sunday and Tuesday. 8:42-9:51. $15 Michigan St.
WHITES AUDIO MART - 916 Mass. 845-1267
Whites Audio, Akal, Audio Technology, Shure, KFC,
FCRal, Fratzer, and Supercope, Certified Audio.
Available at all times. Package price:
sim. Jim
October special at the Quick Copy Center 1,000
address; UHP on Oct. 4, 1975, and 28 or 31 clerks
at the UHP on Oct. 5, 1975.
lawyers lawyer driving $2000
drive driver lives in insurance
drive driver lives in insurance
insurance damage
"live now, pay later" $89.95
Enroll now!! in Lawrence Driving School! re-
Ray Audio, 13 Eight 8th—No BS here, just good
gear. 842-2047.
FUTURE ENGINEERS for $250 each or $849 each. Also have business calculators. Call Boni 664-844-3767.
specialising in plants & industries
Casa de Taco
(iii) 891-2334
1105 Massachusetts
TACOS
$3.50 per Dozen
SPECIAL: HALLOWEEN EVENT at Rayes Park
Halloween Free from special group of
open until 5 p.m.
809 Massachusetts
Lawrence, Kansas 66044 913/843-5432
THE WORLD *WOMEN*+*ON* THE RISEING
1:30-4 p.m. Jawhawk Roast 9:12-12
1:30-3 p.m. Speak to Christine
the global and current issues around the
globe and current child care needs; call
Lorna Gorman at 843-262-8378.
LOST AND FOUND
Elect SHEIRLYN SAMPSON, Democrat, for clerk of Legal Secretary. $15½ deputy Deputy of Legal Secretary. Knowledgeable, Trust-worthy, Committee to elect 11 SHEIRLYN Sampson.
LOST. A pair of ladies glasses in O-area zone or
airplane cabin. Call 842-1723. Call 842-1724.
Two charm bracelets, family heirlooms, one gold-plated and one sterling, vicinity of the Kusan Kuan burglar, or Murray the cat.
Found: Wristwatch, near Robinson. Call 842-1163, UGa
Lost-German Children puppy= 2 months old
Lost-German Children puppy= 2 months old
Ousbaldi Call 842-3330. Reward
10-31
Lost! Pocket Instantiate at Nebraska Game
Meets now that it could to you. Contact
Nebraska Game Department.
Walt Whitman's "Leaves of Grass" collection,
Loudoun H. I found you contact 843-209-1300.
Loudoun H. I found you contact 843-209-1300.
Found. Male Slaiman tits at 61 and Lou兰iana.
Mother, female Slaiman tits at 48 and blue baby eyes. 841-3018 or 845-9722. 10-30
Loc in vicinity of 27th and Redbush; 6 month old
gray collar. Very out. Reward Call 833-459-
3500.
Let Mapintour
Do The LEGWORK For You!
(NEVER an extra cost
for Airline tickets)
Lost-Gray Male half-grown cut with white spot
Honor Reward. 824-1923 or 843-0723. 11-1
If You're Planning on FLYING.
LOST - Man's gold wedding band in Malcolm Hall,
10-11-74. 814-6911, events, reward.
REWARD, no questions asked, for information leading to return, undamaged, of two brown-black cast iron torns. Lost ear Oct. 5 Outage to 72 Lousiana St. Gt. St. 844-7328. 843-7288.
Female puppy found Wed. by Jayaward Towers
Female puppy found Wed. by Jayaward Towers
Call Ann at 349-583 or 894-1028
10:31
LOST: 13 month old dream-colored African. Anastasia was born in the summer. Return Ward: 825-780 or call 626-9961.
FOR RENT
MAKE YOUR THANKS GIVING AND
CHRISTMAS RESERVATIONS NOW.
LOST  Red Jayhawk spiral notebook in Union
Hook. Write down the date and time you left.
Write down the name of the anyone you call. Call
the person. Write down the date and time you left.
travel service
SUA / Maupintour
Frontier Ridge Apartments. Indoor pool, plenty of parking. Furnished or unfurnished. Complete. Garage and entry doors. Carpeted carpets. 244 Frontier. Rd. 84-6444. Sign Lease Now. And receive a Free Lease (while they last!)
(for Airline tickets)
MAKE YOUR THANKSGIVING A
PHONE 843-1211
ESTATE SALE
For Rent: Purnified, air conditioned, efficiency
and energy savings. No price.
For further information call 843-7521.
FOR RENT. Nice single studio efficiency apartment in the heart of the city. Pivit kitchen. Parking. Phone 843-9234.
The household furnishings of Harriet E. Brown, a 19th-century African-American college graduate in Mississippi. Doors open 9 a.m. j. p. m., Wed, Oct. 10. Oak, China cabinets, accommodating in every room. Bedroom closets. Place bed room desk. Trunks. Lamps. 3 floor-plan room. Kitchen table. Rocker. Odd chairs. Stainless top disk. Good wicker basket. Potted plant. Curtain. Redwood. Cabinet. Several painted tables. Bed. Red curtains.
George's Shop
25th Anniversary '74
SOLD BY EMERALD CITY ANTIQUES
842-1808
Bill Fair
842-3473
"George Has Gained the Title of SSSC"
Phone 843-7164
727 Mass. St.
Lawrence, Ks. 64044
Geo. B. Wilson
Bokonon Flashback Attire
NAPA Auto Parts
Domestic, import parts—machine shop
Recycle it all!
River City Repair Turntables Typewriters, watches, cameras, clocks
KU Union-The Malls-Hillcrest-900 Mass
Typewriters, watches, cameras, clock
For vert to serious students—extra one or 1.3 or two hours of training.
For short and reasonable classes. May work with utilities. And reason and question skills. May work with mathematics.
815-819 Vermont St.
Rooms Miihmei Michaels One block to campus.
Bldg. 842-605, 842-507, 842-301 for Joelm 14,304.
Bldg. 842-605, 842-507, 842-301 for Joelm 14,304.
Now that we have a bus, you won't find any more parking spaces. Frontier bedroom apts 3: Frontier Room, S34. Frontier Room, S34.
Leaving town - Must auftet large 1 bedroom apt.
Inside town - Must auftet large 2 bedroom apt.
Must auftet large (paid-Only) £65 per month.
Must auftet large (paid-Only) £80 per month.
Leaving town must rent a nice 1 bedroom hotel
and call 824-2827 or 824-3133 for immediate.
Call 824-2827 or 824-3133 for immediate.
HELP WANTED
FOR RENT - 2-bedroom home with photo info. on
phone in North Lawrence, Hali-54
684-449-4690
For Hort apartment in Jawaharlawa, Fairly
close to the waterfront. Available for waiting
list. New contract will be negotiated
with us. No longer available.
Sub-base luxury apt at 380B corner (starting large electric kitchen space for washer/dryer, balcony, kitchen, much storage plane, plenty of room), rent. Rent very reasonable Call 842-5945 after 5 p.m.
AVON Need cail for Christmas? If you are ambitious and enthusiastic, you can start earning money immediately as an AVON representative. People, have fun, have, call Mrs. Towell. 8162 10:31
FEMALE STUDENTS** Work as a figure model in Kansas City City. Daily training with no experience necessary and School need not be glamorous, your firm providing art and photography modeling
Attention Students! Excellent part-time job. Flexible hours, good pay, ideally suited to the full-task student needing extra $ for it. No in-room facility with school work. Call 842-1043-60 p.m. (3)
Research technology to work in cell culture laboratories.
Gas chromatography from 8 to 12 and 1 to 4 Equalt
Gas chromatography from 6 to 9
Part-time waitress needed. Please appear and personality a must for our profile needs. Call us at (212) 650-3888.
H助 Wanted - Cooktail waiters must be 21.
Apply in person between 12:00-2:00 at the
14th floor.
Full-time Research Assistant. Must have BA or equivalent experience. Will care for animal, pet and human subjects in the development of immunosayes, cell biology and biomass genomics, cell signalling. Monetary compensation may be available at Mammalian Genetics Lab, 864-3044 FO MIRMER, University of Pennsylvania.
Wanted—local artist to do publicity work for KU
concells. Call 843-7433; about appointments, 10:35
TYPING
Experienced in typing theses, dissertations, term papers, other mite typing. Have electric typewriter, plaetta type. Accurate and prompt service. Proofread and polish corrected. PhD *-*9544, Mrs. Wright
RESEARCH
Thousands of Topics $2.75 per page
Send for your up to date, 160 page,
mail order catalog. Enclose $1.00.
to cover post delivery time is
$35.00. RESEARCH ASSISTANCE
RESEARCH ASSISTANCE, INC.
1141 WILMESH BLVD. SUITE 2/2
CL33 8747 8494 or 8747 5493
Our research material is sold for
$400 per unit.
THE
in the WALL
DELICATESSEN & SANDWICH SHOP
Open until 7 a.m. - Phone Order
841 7485 - We Deliver - 9th & 11th
"Largest Selection of
Brand Names in Lawrence'
Keyboard Studios
Guitar Shop
1903 Mass. 843-3007 Open Evenings
Gentlemen' Quarters
843-2719 for appt.
W. 9th St. Center
Haircutting for Men
Typing in my home  IM IElectrical pica type
    keyboard for item paper, and Miraf
    Calling C叭 Pam B42-5897
THEIS BINDING--The Quick Copy Center is your headquarters for Thesis Binding and Copying. Our service is fast and prices are reasonable. The Quick Copy Center; 838 Mass. 841-4900.
EXCELLENT AND EXPERIenced TYPET at
EXCELLENT AND EXPERIenced TYPET at
promptly and accurately.
dissertation, orientation of
suggestions, etc. Call Phyllis, 812-6946, or drop
 Building, Page 25, 9, 9, or drop
1029 Weycock
9th & III.
Experienced fienn typist, 841-4980, Myra 11-6
Terna papagio, Theresa. Manuscripts. Electric type:
Manuscript of Mirage. With Mrs. Gregory.
1712 Albane. 843-122. 11-20
Typing in my home on elite electric typewriter.
No thesis here. Mrs. Hays. 843-0588. 11-8
PERSONAL
Re-select L. E., Norman, Republican for County, Transvaal. Re-select N. C. for North Carolina, Re-select N. Forrest for North Carolina, Re-select
B-sheet Rex D. Johnson, Republican, Douglas County, 18 years in law enforcement. Outstanding record for first time in office since 2016.
Re-select Sue Nettilfer seeking second term as
Senior Deputy Speaker. Re-elect Sue Nettilfer for Reg of Deck Commission. 11-5
TYPHING in my home. Tenure papers, disclosures,
transcripts, and notes. Call me at 812-1427 or rates.
Please call kall at 812-1427.
Borde? New in town? We can tell you what's
in the room. Inside the Geberi Center, 24 hours a day every day.
What's there?
On Wednesday just before nine o'clock you will onnie certain changes occurring in your once morning routine. On Tuesday, irresistible prenuval yearning you to Potter's house and mindless HOWL at the full moon 10-30
Sandy from Camp Webster- Rock Chalk, Jayhawk, KU71 - Mark at 844-6897. 11-11
Yvette. If you are living in Lawerence and would like to work with a contact, contact Kailen, Sill McCullough.
WANTED
days waittime 11 a.m. - 2 p.m. Mon-Fri..Must
be a full-time worker at the Carriage Lane
711 W. 82d Street.
WANTED - A roommate or party to sublease (M) May be a beautiful-furnished 2 bedroom apartment at Frontier Ridge Apt B1 Bus service indoor indoor. Quit. Call 811-388-2068. Bid-82-5086 @ 6:00 p.m.
Need people who don't like to sing and /or 'car' music? Try theirs. They know how to help if interested in helping someone out and 2014 if interested in helping someone out and 2015 if interested in helping someone out.
Pat-living rooms have to own room in this
building. The $12/month rent is paid by the
tenant and pay only $6/month. Call Carly
Hudson at (804) 555-2233 or visit www.hudson
.com.
WEDDING PHOTOGRAPHY Serving Johnson County and Kankana City, Call Belfast 1-684-444-8888
Nostalgic clothing and hummushugs
Hello Much
MEN'S AND WOMENS WINTER COATS
NOW AVAILABLE, ALONG WITH OUR
BUYER TAX ID NUMBER.
7:00 AM 12:53 PM
Catfish Bar & Grill
(Formerly The Ark)
12th & Oread
BEER GOOD FOOD
Swept switches
a.8.m.-11:30 a.m.
a.8.m.-4.pm
Check Our Daily Lunch Special
Open Mon.-Sat. a.8.m.-12 p.m.
Spice up your fall wardrobe with selections from
Thermo Jac, Junior House, One Main Place, Intuitions, Jack Winter, and other lines to choose from.
except Thurs. 9:30-8:30
9TH AND IOWA
AWRENCE, KANSAS VI 2-0562