ASU SOR Loan Calculator — Batch Validation

Click to choose a file or drag a .csv / .xlsx / .xlsm / .xls file here

Expected columns include ITEM_TYPE, ACAD_CAREER, EMPLID, AID_YEAR, NSLDS_LOAN_YEAR, DEPNDNCY_STAT, FEDERAL_ID, PLUS_DENIAL, SFA_OB3_LEGACY, SFA_SAP_STATUS, UNT_TAKEN_FA, SFA_UNT_LLP_FA, SFA_ANNUAL_LLP, OFFER_AMOUNT, NEW_OFFER_AMOUNT, NEW_TERM_AMT1/2/3, FED_YEAR_COA, ASU_FA_OFA, and the sub-limit fields (ASU_FA_ANU_SUB_LMT, ASU_FA_AGG_SUB_LMT, ASU_FA_SUB_LN_NSL) used by the limit tests. See the Reference panel's "Column Mapping" tab for the full field-to-column mapping.

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Check filters:

Outcome	Review Reason	Source Row	EMPLID	AY	Item Type	Loan Program	Career	Grade Level	Dependency	PLUS Denial	PKG SEQ	Legacy	Loan ID	Units	Offer Amount	New Offer Amount	NEW_TERM_AMT1	NEW_TERM_AMT2	NEW_TERM_AMT3	New Offer Check	Test Annual SOR Award	SOR Award Validation	Test Term AMT1	Test Term AMT2	Test Term AMT3	Term Award Diff	Term Award Validation	Comb DL Agg Status	Annual DL Status	Sub Need Status	COA Status	File SOR	Test AY SOR	Test Term SOR	SOR Validation	SOR Treatment

Reference

What each loan type (`ITEM_TYPE`) actually is

Direct Subsidized Loan (ITEM_TYPE 970102099901) — a federal loan for undergraduates who show financial need. Its defining feature: the government pays the interest while the student is in school, so the balance doesn't grow before repayment starts.
Direct Unsubsidized Loan (970104099901 / 970104099902) — a federal loan available to undergrad and graduate/professional students, regardless of financial need. Unlike the subsidized version, interest starts accruing immediately.
Graduate PLUS Loan (970109099901) — an additional federal loan only graduate/professional students can use, meant to cover costs left over after Direct Unsubsidized eligibility is used up. It's credit-based (the borrower can be denied for adverse credit history).
Parent PLUS Loan (970108099901 / 970107599301 / 970107599302) — a federal loan taken out by a parent, not the student, to help pay for their dependent undergraduate child's costs. It has its own separate borrowing limits and its own credit check, entirely apart from the student's own loans.

Codes outside this list are guessed by matching the first 6 digits to one of the families above and flagged for review — never silently assumed without a note.

What "Legacy" status means

Starting July 1, 2026, a federal law (the OBBBA) put new, tighter limits on student borrowing — including a hard $257,500 lifetime cap. To avoid pulling the rug out from under students already partway through a degree, anyone who was already enrolled and had already taken out a qualifying loan before that cutoff gets to keep borrowing under the old, more generous rules for a transition window (up to 3 more academic years, or until they finish their current program if that's sooner). Those borrowers are called "legacy". Everyone else follows the new rules right away. The column SFA_OB3_LEGACY (Y/N) is where this file records which bucket a given loan falls into, and it changes several things downstream — for example, legacy Parent PLUS has no aggregate borrowing cap, and legacy borrowers aren't subject to the new $257,500 lifetime limit.

What "SOR%" means

SOR stands for Schedule of Reduction. The full annual loan amounts in federal rules assume a student is enrolled full-time. If someone is only enrolled part-time, they don't get the full amount — it's reduced in proportion to how much of a full course load they're actually taking. A student enrolled at 75% of full-time can borrow at most 75% of the normal annual limit. This file already has that percentage calculated for you in SFA_ANNUAL_LLP (stored as a decimal, e.g. 0.75 for 75%).

Other things worth knowing

Everything runs locally in your browser — no data is uploaded anywhere.

Full annual (100%, full-time) limit for each degree type, and what that reduces to at 75%, 50%, and 25% SOR. These are the same per-grade-level Subsidized/Unsubsidized figures the calculator engine uses (UG_LIMITS) — not a separately maintained number, so this table can't drift out of sync with the calculator.

Degree type	Loan type	100% (full-time)	75% SOR	50% SOR	25% SOR

Aggregate (multi-year, not annual) caps: undergraduate Subsidized aggregate limit is $23,000; combined Subsidized+Unsubsidized aggregate is $31,000 (dependent) / $57,500 (independent). Graduate/professional students borrow Unsubsidized only (no Subsidized loans at that level) up to $138,500 aggregate, which includes undergraduate borrowing. Figures above are the pre-cap annual amount at each SOR% — actual awards are also limited by remaining aggregate/lifetime eligibility and cost of attendance, per the Methodology tab.

Full mapping for every column in the results table: the PeopleSoft source field(s), the raw value found in the uploaded file, and what the UI displays.

#	UI column	Source field(s)	Raw value in file	What the UI Column Shows
1	Outcome	Computed from all check statuses	—	Review when any warning status is present (exceeds/mismatch/unexpected-zero/NOT_EVALUATED); Pass otherwise
57	Review Reason	Computed from all checks	—	A compact View Notes button opens a dialog outside the table. Notes are grouped by validation area and separate the finding, supporting values, and tester action. Empty on clean rows
2	Source Row	None (file position)	—	Workbook row number, counting the header as row 1
3	EMPLID	`EMPLID`	Student ID	Exactly as in the file; em dash when blank
4	AY	`AID_YEAR`	Blank, bare year, or string	Blank → 2026-2027 default; bare year (`2027`) → 2026-2027; else as-is
5	Career	`ACAD_CAREER`	UGRD / GRAD / LAW / MED / PROF	Exactly as in the file
6	Grade Level	`NSLDS_LOAN_YEAR`	0–5, H, J, blank	Descriptive label (e.g. H - Graduate / professional); blank → N/A
7	Dependency	`DEPNDNCY_STAT`	D / I	Exactly as in the file (D = dependent, I = independent)
8	PLUS Denial	`PLUS_DENIAL`	Y / N / blank	Exactly as in the file (Y = denied for adverse credit)
9	PKG SEQ	`PKG_SEQ_NBR`	Packaging sequence number	Exactly as in the file
10	Legacy	`SFA_OB3_LEGACY`	Y / N / blank	Y → Legacy; else Non-Legacy
11	Loan ID	`FEDERAL_ID`	STFS / STFU / GPLS / PLUS …	Exactly as in the file; drives which checks apply
12	Units	`SFA_UNT_LLP_FA` (fallback `UNT_TAKEN_FA`)	Per-term SOR units	The units driving the SOR calculations (2026-08-14 spec); fallback disclosed in Review Reason. Raw `UNT_TAKEN_FA` remains in the CSV export
13	Offer Amount	`OFFER_AMOUNT`	A number	Exact-as-imported dollars (decimals preserved); negatives treated as $0 with a note
14	New Offer Amount	`NEW_OFFER_AMOUNT`	A number or blank	Exact-as-imported dollars; missing → treated as $0 for all checks, disclosed in Notes
15	NEW_TERM_AMT1	`NEW_TERM_AMT1`	Number (Fall)	Exact-as-imported dollars
16	NEW_TERM_AMT2	`NEW_TERM_AMT2`	Number (Spring)	Exact-as-imported dollars
17	NEW_TERM_AMT3	`NEW_TERM_AMT3`	Number (Summer/proxy)	Exact-as-imported dollars
18	New Offer Check	Computed: Check 6	—	UNEXPECTED_ZERO_NEW_OFFER / ZERO_EXPLAINED_BY_REVIEW / TERM_AMOUNT_WITH_ZERO_OFFER / MISSING_TERM_AWARD / ZERO_PRIOR_OFFER / NONZERO_NEW_OFFER. Zero is "explained" by ALREADY_EXCEEDED, REACHED_LIMIT, `ASU_FA_OVERAGG`=Y, `ASU_FA_LN_ELIG`=N, SAP FAIL, or nonblank withdrawal
19	Test Annual SOR Award	Computed: `OFFER_AMOUNT` × `SFA_ANNUAL_LLP`	—	Rounded half-up to whole dollars — the SOR-expected annual award
20	SOR Award Validation	Computed: Check 7	—	Compares `NEW_OFFER_AMOUNT` to the calculator's full limit-aware expected amount (2026-08-14 ruling; internal — surfaced in the Review Reason notes on mismatch), not OFFER × SOR%. SOR_AWARD_MATCH (cent precision) / SOR_AWARD_MISMATCH / SOR_AWARD_SUPPRESSED_BY_REVIEW (lower award explained by a visible cap or eligibility condition) / SOR_NOT_APPLICABLE (PLUS) / N/A when the calculation errored
21	Test Term AMT1	Computed from Test Annual SOR Award	—	AP/AP: term 1 gets the extra dollar; FP/FP: full amount; SP/SP: 0
22	Test Term AMT2	Computed	—	AP/AP: remainder; SP/SP: full amount
23	Test Term AMT3	Computed	—	AP/AP: proxy equal to Test Term AMT2 (excluded from totals)
24	File Term Total	Computed from `NEW_TERM_AMT1/2`	—	Award-bearing file terms only (term 3 excluded as proxy)
25	Test Term Total	Computed	—	Sum of test award-bearing terms (equals Test Annual SOR Award by construction; test term 3 excluded as proxy)
26	Term Award Diff	Computed	—	File Term Total − Test Annual SOR Award (signed)
27	Term Proxy Validation	Computed	—	AP/AP: MATCH when `NEW_TERM_AMT3` equals `NEW_TERM_AMT2`; N/A for single-term plans
28	Term Award Validation	Computed: Check 7	—	TERM_AWARD_MATCH / TERM_AWARD_MISMATCH (vs the derived distribution, incl. proxy) / TERM_AWARD_NOT_EVALUATED for unknown split codes
29	Term Award Basis	Computed from `SPLIT_CODE`, `DISBURSEMENT_PLAN`	AP/AP, FP/FP, SP/SP, other	Plain-language basis, e.g. "AP/AP two-term annual split; term 3 is term 2 proxy"
30	Comb DL Agg Status	Computed: Check 1 from `ASU_FA_CMB_LN_NSL`, `ASU_FA_AGG_CMB_LMT`	—	ALREADY_EXCEEDED / WOULD_EXCEED / WOULD_REACH_LIMIT / REACHED_LIMIT / BELOW_LIMIT / NOT_EVALUATED / NOT_APPLICABLE (non-STFS/STFU). Provisional: treats AGG field as the full cap pending the ASU semantics ruling
31	Rem Comb DL Elig	Computed	—	MAX(0, AGG_CMB_LMT − CMB_LN_NSL)
32	Comb DL Already Exceeded Amt	Computed	—	MAX(0, CMB_LN_NSL − AGG_CMB_LMT)
33	Comb DL OVG	Computed	—	MAX(0, (CMB_LN_NSL + New Offer) − AGG_CMB_LMT)
34	Annual DL Status	Computed: Check 2	—	EXCEEDS_ANNUAL_LIMIT / REACHED / BELOW / NOT_EVALUATED / NOT_APPLICABLE. UGRD STFS vs `ASU_FA_ANU_SUB_LMT`; UGRD STFU vs `ASU_FA_ANU_CMB_LMT` using related STFS + STFU new offers (cross-row)
35	Annual DL Check Amount	Computed	—	The amount tested (for UGRD STFU: related STFS + STFU new offers)
36	Annual DL Limit Used	`ASU_FA_ANU_SUB_LMT` or `ASU_FA_ANU_CMB_LMT`	Dollar limit	Which limit applied to this row
37	Annual DL Check Basis	Computed	—	Plain-language basis for the comparison
38	Rem Annual DL Elig	Computed	—	MAX(0, limit − check amount)
39	Annual DL OVG	Computed	—	MAX(0, check amount − limit)
40	Sub Need Status	Computed: Check 3 from `FED_YEAR_COA`, `PRORATED_EFC`, `ASU_FA_OFA`	—	SUB_EXCEEDS_NEED / WITHIN_NEED / NO_SUB_AWARD / NOT_EVALUATED / NOT_APPLICABLE (non-STFS)
41	COA Status	Computed: Check 4	—	WITHIN_COA / EXCEEDS_COA / NOT_EVALUATED. STFS/STFU not treated as OFA; row-level check
42	SOR Units	`SFA_UNT_LLP_FA` (fallback `UNT_TAKEN_FA`)	Per-term SOR units	The units driving the SOR calculations; fallback disclosed in Notes
43	File SOR	`SFA_ANNUAL_LLP`	Decimal ratio (0.58)	× 100 as a whole percentage
44	Test AY SOR	Computed	—	MIN(100%, units ÷ AY denominator × 100), half-up. Denominators: UGRD 24; GRAD/LAW/MED 18
45	Test Term SOR	Computed	—	MIN(100%, units ÷ term denominator × 100). Denominators: UGRD 12; GRAD/LAW/MED 9
46	SOR Validation	Computed: Check 5	—	Pass when File SOR matches Test AY SOR or Test Term SOR; Fail otherwise or when data is missing
47	SOR Basis Matched	Computed	—	AY / TERM / AY-TERM (both) / blank when neither matched
48	SOR Treatment	Computed	—	SOR_LTFT (valid, <100%) / SOR_100_PERCENT / POSSIBLE_SOR_MISMATCH / NOT_EVALUATED (missing data or unrecognized career, e.g. PROF) / PLUS_NOT_SUBJECT_TO_SOR (`FEDERAL_ID` = PLUS)
49	STFS Amount	Related rows: sum of STFS `NEW_OFFER_AMOUNT`	—	For the same EMPLID + institution + aid year + career; blank when none
50	STFU Amount	Related rows: sum of STFU `NEW_OFFER_AMOUNT`	—	Same grouping; blank when none
51	Allowable Current-Year DL	STFS: `ASU_FA_ANU_SUB_LMT`, `ASU_FA_SUB_LN_OFFR`. STFU: `ASU_FA_ANU_CMB_LMT`, related STFS `ASU_FA_SUB_LN_OFFR`, this row's `ASU_FA_CMB_LN_OFFR`	Currency amounts	STFS: MAX(0, `ASU_FA_ANU_SUB_LMT` − `ASU_FA_SUB_LN_OFFR`). STFU: MAX(0, `ASU_FA_ANU_CMB_LMT` − (related STFS `ASU_FA_SUB_LN_OFFR` + this row's `ASU_FA_CMB_LN_OFFR`))
52	Allowable Additional DL	Allowable Current-Year DL, `NEW_OFFER_AMOUNT`; STFS: `ASU_FA_AGG_SUB_LMT`, `ASU_FA_SUB_LN_NSL`. STFU: `ASU_FA_AGG_CMB_LMT`, `ASU_FA_CMB_LN_NSL`	Currency amounts	MAX(0, MIN(Allowable Current-Year DL − `NEW_OFFER_AMOUNT`, aggregate remaining)). Aggregate remaining: STFS uses `ASU_FA_AGG_SUB_LMT` − `ASU_FA_SUB_LN_NSL`; STFU uses `ASU_FA_AGG_CMB_LMT` − `ASU_FA_CMB_LN_NSL`
53	Rem Need Elig	Computed: Check 3	—	MAX(0, COA − EFC/SAI − OFA); blank when NOT_EVALUATED or non-STFS
54	Sub Need OVG	Computed	—	MAX(0, New Offer − Rem Need Elig)
55	Rem COA Elig	Computed: Check 4	—	MAX(0, COA − OFA); blank when NOT_EVALUATED
56	COA OVG	Computed	—	MAX(0, New Offer − Rem COA Elig), cent precision

ASU SOR Loan Calculator — Batch Validation For Testing

Summary

Review Reason

What each loan type (`ITEM_TYPE`) actually is

What "Legacy" status means

What "SOR%" means

Other things worth knowing

Summary

What each loan type (ITEM_TYPE) actually is

What "Legacy" status means

What "SOR%" means

Other things worth knowing

What each loan type (`ITEM_TYPE`) actually is