DEC 13 1996 XX XX XX Dear Mr.

XX :

Your letter to President Clinton was forwarded to the Disability Rights Section, Civil Rights Division, Department of Justice. Your letter argues that your student loan lender should be required to grant a deferment of your loan payments because you have a disability. The Disability Rights Section enforces title III of the Americans with Disabilities Act (ADA), which prohibits discrimination on the basis of disability by places of public accommodation, including banks. Covered entities must make reasonable modifications to their policies, practices, and procedures when necessary to avoid discrimination on the basis of disability. However, modifications are not required if they will fundamentally alter the nature of the service provided. A lender must grant deferments to people with disabilities on the same basis as it grants them to people without disabilities. A lender may not use a person's disability as a basis for refusing a deferment that the person is otherwise qualified to receive. In addition, a lender may be required to make reasonable modifications to its deferment policies in order to ensure that people with disabilities have equal access to deferments. However, the ADA does not require a lender to grant deferments on the basis of disability. To require a lender to forego repayment of money loaned indefinitely would likely constitute a fundamental alteration of the lender's loan program. If your student loan was guaranteed by the Federal government, you may wish to contact the U.S. Department of Education to determine the options available to you. cc: Records, Chrono, Wodatch, McDowney, Hill, FOIA n:\udd\hille\policylt\XX .ltr\sc. young-parran 01-04364

-2I hope this information is useful to you. Sincerely, John L. Wodatch Chief Disability Rights Section 01-04365 From XX Wed Oct 2 12:09:15 1996 Date: Wed, 02 Oct 1996 12:08:24 -0400 Subject: White House Forum E-Mail To: president@WhiteHouse.GOV Message-id: XX Field 1 = XX XX XX Field 2 = Dear Mr. President. During all our Nations concerns on crime and protection for the criminals rights, I would like to ask this question? What about the VICTOMS RIGHTS!! Two and a half years ago 5-28-94 to be exact, I became a victom of a violent crime. I was shot at point blank range by a 357 magnum pistol. the most shocking point is, I was shot in the HEAD. The bullet entered my lower left side of my neck under the jawbone. 1/4 in. from jugular traveled through the roof of my mouth, sinuses, and out my right temple. The bone from my mouth tore out my right eye. so now Im blind there. My point is that as far as I know I am one out of 60 million t ever survive such a magnitude of injury and still function okay mentally. the gun was a semi-automatic. Why am i telling you this you might ask, well so far I cant get anyone to listen to my story of survival and trials of pain. during the last 2 years I have been denied benefits jobs and government help. Why. I was denied help from a CA. agency called victims of violent crime due to i complained to my state legislator about there treatment of my case. I tryied to get in touch with this departments supervisor but to no avail. So I called my representative. case was put on hold for nine months then turned down because i didnt press charges. YEAH right against who was i supposed to do that to. THE officer

lied and give a correct police report much less icant get a copy of my taped testimony from them that will show I was telling the truth. and that hes lying. This all started because the person handling my case wasnt doing her job. I notice that a lot lately, most state agency workers just dont want to take the time to investigate your needs so they brush you off for an easier case. I cant even get a lawyer to help due to there is no money involved for them. Federal law took away my job because im blind but when I applied for benifits under this law so I can go back to school and learn a new profession. Ihad to pay a lawyer to get the benifits I should of gotten anyway. Im studying environmental science now thanks to you and your federal courts that listened and gave me my chance to go back to school and be a productive citizen again. I believe you need to set up an agency to regulate companies that handle student loans for my old ones in default because of company greed... I applied for defferment of payments once when i got laid off a couple of years ago and no problem, butr when i applied for defferment due to disability I when through all kinds of hell and denied that right. I sent them certified copies faxes etc. and they never processed them. they defaulted my student loan as if i never applied for it. The biggest case i Have is this and its so simple. if i never contaced them then why do they 01-04366 have my coreect address after i moved nuch less my reciepts of requests. I would like to speak out as a victom. please help.. even though i was shot with a gun i believe its not the laws of our nation that are correcting our problem. criminals will get them anyway no matter how many laws we pass, although to make assult weapons or semi auto pistols of 357 magnum range for5 sell to the public is rediculous.. sincerly thankyou XX 01-04367