{
    "document_id": 485,
    "page": 20,
    "width_pt": 612,
    "height_pt": 783,
    "engine": "paddleocr_vl",
    "source_run_id": 610,
    "item_count": 43,
    "counts_by_type": {
        "figure": 3,
        "footer": 1,
        "footnote": 1,
        "heading": 3,
        "link": 5,
        "list": 2,
        "list_item": 8,
        "table": 2,
        "table_cell": 12,
        "text": 5,
        "title": 1
    },
    "build_ms": 7,
    "items": [
        {
            "id": "p20.1",
            "order": 1,
            "type": "title",
            "bbox": {
                "l": 57.6,
                "t": 762.1232,
                "r": 463.44,
                "b": 729.9681
            },
            "text": "STUDENT LOAN BORROWING",
            "attrs": {
                "block_label": "doc_title"
            },
            "level": 2,
            "children": []
        },
        {
            "id": "p20.2",
            "order": 2,
            "type": "heading",
            "bbox": {
                "l": 57.84,
                "t": 714.8504,
                "r": 216.24,
                "b": 679.0959
            },
            "text": "How to apply for a student loan\nFederal Direct Loan",
            "attrs": {
                "block_label": "paragraph_title"
            },
            "level": 3,
            "children": []
        },
        {
            "id": "p20.3",
            "order": 3,
            "type": "list",
            "bbox": {
                "l": 58.56,
                "t": 670.6972,
                "r": 316.8,
                "b": 518.3206
            },
            "text": "",
            "attrs": {
                "item_count": 4
            },
            "children": [
                {
                    "id": "p20.3.1",
                    "order": 4,
                    "type": "list_item",
                    "bbox": {
                        "l": 59.52,
                        "t": 670.6972,
                        "r": 240.72,
                        "b": 656.2994
                    },
                    "text": "1. Fill out the FAFSA at StudentAid.gov.",
                    "children": [
                        {
                            "id": "p20.3.1.1",
                            "order": 5,
                            "type": "link",
                            "bbox": {
                                "l": 172.132,
                                "t": 674.837,
                                "r": 237.06,
                                "b": 657.225
                            },
                            "text": "StudentAid.gov.",
                            "attrs": {
                                "uri": "http://studentaid.gov",
                                "action_type": "/URI"
                            },
                            "children": []
                        }
                    ]
                },
                {
                    "id": "p20.3.2",
                    "order": 6,
                    "type": "list_item",
                    "bbox": {
                        "l": 58.56,
                        "t": 652.22,
                        "r": 300.48,
                        "b": 624.3843
                    },
                    "text": "2. Use your college's online student account to accept, decline or reduce your financial aid award options.",
                    "children": []
                },
                {
                    "id": "p20.3.3",
                    "order": 7,
                    "type": "list_item",
                    "bbox": {
                        "l": 58.8,
                        "t": 620.065,
                        "r": 307.2,
                        "b": 578.7913
                    },
                    "text": "3. Complete online student loan entrance counseling at StudentAid.gov. You have to do this before the funds can be sent to the school.",
                    "children": [
                        {
                            "id": "p20.3.3.1",
                            "order": 8,
                            "type": "link",
                            "bbox": {
                                "l": 85.5389,
                                "t": 610.637,
                                "r": 150.467,
                                "b": 593.025
                            },
                            "text": "StudentAid.gov.",
                            "attrs": {
                                "uri": "http://studentaid.gov",
                                "action_type": "/URI"
                            },
                            "children": []
                        }
                    ]
                },
                {
                    "id": "p20.3.4",
                    "order": 9,
                    "type": "list_item",
                    "bbox": {
                        "l": 58.56,
                        "t": 574.7119,
                        "r": 316.8,
                        "b": 518.3206
                    },
                    "text": "4. Sign a Master Promissory Note (MPN). You can get a paper MPN or do it online at StudentAid.gov. The MPN is not an application but a legal, binding contract that you will repay the loan.",
                    "children": [
                        {
                            "id": "p20.3.4.1",
                            "order": 10,
                            "type": "link",
                            "bbox": {
                                "l": 205.573,
                                "t": 564.737,
                                "r": 270.501,
                                "b": 547.125
                            },
                            "text": "StudentAid.gov.",
                            "attrs": {
                                "uri": "http://studentaid.gov",
                                "action_type": "/URI"
                            },
                            "children": []
                        }
                    ]
                }
            ]
        },
        {
            "id": "p20.4",
            "order": 11,
            "type": "heading",
            "bbox": {
                "l": 59.28,
                "t": 511.6016,
                "r": 156,
                "b": 496.9638
            },
            "text": "Federal PLUS Loan",
            "attrs": {
                "block_label": "paragraph_title"
            },
            "level": 3,
            "children": []
        },
        {
            "id": "p20.5",
            "order": 12,
            "type": "list",
            "bbox": {
                "l": 58.8,
                "t": 488.3252,
                "r": 312.24,
                "b": 376.9822
            },
            "text": "",
            "attrs": {
                "item_count": 4
            },
            "children": [
                {
                    "id": "p20.5.1",
                    "order": 13,
                    "type": "list_item",
                    "bbox": {
                        "l": 59.04,
                        "t": 488.3252,
                        "r": 230.64,
                        "b": 474.4073
                    },
                    "text": "5. The student must fill out the FAFSA.",
                    "children": []
                },
                {
                    "id": "p20.5.2",
                    "order": 14,
                    "type": "list_item",
                    "bbox": {
                        "l": 59.04,
                        "t": 469.3681,
                        "r": 306.96,
                        "b": 428.0944
                    },
                    "text": "6. A parent of a dependent undergraduate student must fill out the PLUS Loan application from the school's financial aid office or online at StudentAid.gov.",
                    "children": [
                        {
                            "id": "p20.5.2.1",
                            "order": 15,
                            "type": "link",
                            "bbox": {
                                "l": 216.417,
                                "t": 446.237,
                                "r": 281.346,
                                "b": 428.625
                            },
                            "text": "StudentAid.gov.",
                            "attrs": {
                                "uri": "http://studentaid.gov",
                                "action_type": "/URI"
                            },
                            "children": []
                        }
                    ]
                },
                {
                    "id": "p20.5.3",
                    "order": 16,
                    "type": "list_item",
                    "bbox": {
                        "l": 59.04,
                        "t": 424.015,
                        "r": 312.24,
                        "b": 395.9393
                    },
                    "text": "7. The U.S. Department of Education will perform a credit check at no charge.",
                    "children": []
                },
                {
                    "id": "p20.5.4",
                    "order": 17,
                    "type": "list_item",
                    "bbox": {
                        "l": 58.8,
                        "t": 392.0999,
                        "r": 275.28,
                        "b": 376.9822
                    },
                    "text": "8. The funds are disbursed directly to the school.",
                    "children": []
                }
            ]
        },
        {
            "id": "p20.6",
            "order": 18,
            "type": "figure",
            "bbox": {
                "l": 33.12,
                "t": 335.2286,
                "r": 284.88,
                "b": 107.2636
            },
            "text": "",
            "attrs": {
                "block_label": "image"
            },
            "children": []
        },
        {
            "id": "p20.7",
            "order": 19,
            "type": "figure",
            "bbox": {
                "l": 26.632,
                "t": 103.0687,
                "r": 310.867,
                "b": 54.7616
            },
            "text": "",
            "attrs": {
                "source": "pdf_image"
            },
            "children": []
        },
        {
            "id": "p20.8",
            "order": 20,
            "type": "text",
            "bbox": {
                "l": 5.04,
                "t": 165.5746,
                "r": 24.72,
                "b": 35.2746
            },
            "text": "Funding Your Future",
            "attrs": {
                "block_label": "aside_text"
            },
            "children": []
        },
        {
            "id": "p20.9",
            "order": 21,
            "type": "footer",
            "bbox": {
                "l": 10.08,
                "t": 28.0757,
                "r": 26.16,
                "b": 11.9982
            },
            "text": "20",
            "attrs": {
                "block_label": "number"
            },
            "children": []
        },
        {
            "id": "p20.10",
            "order": 22,
            "type": "heading",
            "bbox": {
                "l": 332.16,
                "t": 713.6506,
                "r": 430.08,
                "b": 698.7729
            },
            "text": "Borrow responsibly",
            "attrs": {
                "block_label": "paragraph_title"
            },
            "level": 3,
            "children": []
        },
        {
            "id": "p20.11",
            "order": 23,
            "type": "text",
            "bbox": {
                "l": 330.96,
                "t": 697.3331,
                "r": 589.44,
                "b": 651.9801
            },
            "text": "One major financial goal is to finish college owing as little money as you can. When you take out a student loan, you're borrowing against your future earnings.",
            "children": []
        },
        {
            "id": "p20.12",
            "order": 24,
            "type": "text",
            "bbox": {
                "l": 330.96,
                "t": 644.0613,
                "r": 590.64,
                "b": 599.1882
            },
            "text": "Check with the career services or placement office at your school to get an idea of your expected salary based on your major and job outlook in the year you'll graduate.",
            "children": []
        },
        {
            "id": "p20.13",
            "order": 25,
            "type": "text",
            "bbox": {
                "l": 336.24,
                "t": 579.5112,
                "r": 480.24,
                "b": 464.8088
            },
            "text": "Your monthly payment should be no more than 10% of your monthly salary.",
            "children": []
        },
        {
            "id": "p20.14",
            "order": 26,
            "type": "figure",
            "bbox": {
                "l": 489.6,
                "t": 578.3114,
                "r": 582.48,
                "b": 460.0095
            },
            "text": "",
            "attrs": {
                "block_label": "image",
                "embedded_text": "Scan me for a college\ncost calculator."
            },
            "children": [
                {
                    "id": "p20.14.1",
                    "order": 27,
                    "type": "link",
                    "bbox": {
                        "l": 498.679,
                        "t": 570.556,
                        "r": 575.245,
                        "b": 493.99
                    },
                    "text": "",
                    "attrs": {
                        "uri": "https://www.kheaa.com/web/plan-for-future.faces#kheaaCollegeCostCalc",
                        "action_type": "/URI"
                    },
                    "children": []
                }
            ]
        },
        {
            "id": "p20.15",
            "order": 28,
            "type": "footnote",
            "bbox": {
                "l": 494.16,
                "t": 484.0058,
                "r": 581.52,
                "b": 461.2093
            },
            "text": "Scan me for a college cost calculator.",
            "attrs": {
                "block_label": "vision_footnote"
            },
            "children": []
        },
        {
            "id": "p20.16",
            "order": 29,
            "type": "text",
            "bbox": {
                "l": 358.32,
                "t": 440.5725,
                "r": 561.12,
                "b": 412.0169
            },
            "text": "Estimated Payments at 6.39% over 120 months.\nMonthly payments are rounded up.",
            "children": []
        },
        {
            "id": "p20.17",
            "order": 30,
            "type": "table",
            "bbox": {
                "l": 331.44,
                "t": 404.818,
                "r": 591.84,
                "b": 227.9651
            },
            "text": "",
            "attrs": {
                "block_label": "table",
                "n_rows": 2,
                "n_cols": 3,
                "integrity": {
                    "cells_checked": 6,
                    "cells_flagged": 0
                }
            },
            "children": [
                {
                    "id": "p20.17.1",
                    "order": 31,
                    "type": "table_cell",
                    "bbox": {
                        "l": 347.2,
                        "t": 398.86,
                        "r": 405.059133,
                        "b": 373.492
                    },
                    "text": "Initial Debt at Repayment",
                    "attrs": {
                        "row": 0,
                        "col": 0,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "column_header": true,
                        "header_source": "pdf"
                    },
                    "children": []
                },
                {
                    "id": "p20.17.2",
                    "order": 32,
                    "type": "table_cell",
                    "bbox": {
                        "l": 423.36403,
                        "t": 398.86,
                        "r": 501.390609,
                        "b": 387.892
                    },
                    "text": "Monthly Payments",
                    "attrs": {
                        "row": 0,
                        "col": 1,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "column_header": true,
                        "header_source": "pdf"
                    },
                    "children": []
                },
                {
                    "id": "p20.17.3",
                    "order": 33,
                    "type": "table_cell",
                    "bbox": {
                        "l": 522.702609,
                        "t": 398.86,
                        "r": 574.536664,
                        "b": 387.892
                    },
                    "text": "Total Repaid",
                    "attrs": {
                        "row": 0,
                        "col": 2,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "column_header": true,
                        "header_source": "pdf"
                    },
                    "children": []
                },
                {
                    "id": "p20.17.4",
                    "order": 34,
                    "type": "table_cell",
                    "bbox": {
                        "l": 357.126,
                        "t": 365.132,
                        "r": 395.096796,
                        "b": 229.06190000000004
                    },
                    "text": "$ 5,000\n$ 10,000\n$ 20,000\n$ 25,000\n$ 30,000\n$ 40,000\n$ 50,000\n$ 75,000\n$100,000",
                    "attrs": {
                        "row": 1,
                        "col": 0,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "merged_continuation": true
                    },
                    "children": []
                },
                {
                    "id": "p20.17.5",
                    "order": 35,
                    "type": "table_cell",
                    "bbox": {
                        "l": 448.494696,
                        "t": 365.132,
                        "r": 477.435707,
                        "b": 229.06190000000004
                    },
                    "text": "$ 54\n$ 109\n$ 217\n$ 271\n$ 326\n$ 434\n$ 543\n$ 814\n$1,085",
                    "attrs": {
                        "row": 1,
                        "col": 1,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "merged_continuation": true
                    },
                    "children": []
                },
                {
                    "id": "p20.17.6",
                    "order": 36,
                    "type": "table_cell",
                    "bbox": {
                        "l": 529.607662,
                        "t": 365.132,
                        "r": 568.169083,
                        "b": 229.06190000000004
                    },
                    "text": "$ 6,480\n$ 13,080\n$ 26,040\n$ 32,520\n$ 39,120\n$ 52,080\n$ 65,160\n$ 97,680\n$130,200",
                    "attrs": {
                        "row": 1,
                        "col": 2,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "merged_continuation": true
                    },
                    "children": []
                }
            ]
        },
        {
            "id": "p20.18",
            "order": 37,
            "type": "table",
            "bbox": {
                "l": 331.44,
                "t": 218.1266,
                "r": 592.08,
                "b": 33.5949
            },
            "text": "",
            "attrs": {
                "block_label": "table",
                "n_rows": 2,
                "n_cols": 3,
                "integrity": {
                    "cells_checked": 6,
                    "cells_flagged": 0
                }
            },
            "children": [
                {
                    "id": "p20.18.1",
                    "order": 38,
                    "type": "table_cell",
                    "bbox": {
                        "l": 343.018,
                        "t": 215.23900000000003,
                        "r": 409.219948,
                        "b": 204.27099999999996
                    },
                    "text": "Expected Salary",
                    "attrs": {
                        "row": 0,
                        "col": 0,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true
                    },
                    "children": []
                },
                {
                    "id": "p20.18.2",
                    "order": 39,
                    "type": "table_cell",
                    "bbox": {
                        "l": 425.302,
                        "t": 215.23900000000003,
                        "r": 499.446291,
                        "b": 175.471
                    },
                    "text": "Maximum Manageable Monthly Payment",
                    "attrs": {
                        "row": 0,
                        "col": 1,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true
                    },
                    "children": []
                },
                {
                    "id": "p20.18.3",
                    "order": 40,
                    "type": "table_cell",
                    "bbox": {
                        "l": 516.88601,
                        "t": 215.23900000000003,
                        "r": 580.315252,
                        "b": 189.87099999999998
                    },
                    "text": "Manageable Education Debt",
                    "attrs": {
                        "row": 0,
                        "col": 2,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true
                    },
                    "children": []
                },
                {
                    "id": "p20.18.4",
                    "order": 41,
                    "type": "table_cell",
                    "bbox": {
                        "l": 357.141,
                        "t": 165.26700000000005,
                        "r": 395.111796,
                        "b": 34.90599999999995
                    },
                    "text": "$ 15,000\n$ 20,000\n$ 25,000\n$ 30,000\n$ 35,000\n$ 40,000\n$ 50,000\n$ 100,000",
                    "attrs": {
                        "row": 1,
                        "col": 0,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "merged_continuation": true
                    },
                    "children": []
                },
                {
                    "id": "p20.18.5",
                    "order": 42,
                    "type": "table_cell",
                    "bbox": {
                        "l": 452.098204,
                        "t": 165.26700000000005,
                        "r": 472.623053,
                        "b": 34.90599999999995
                    },
                    "text": "$ 125\n$ 167\n$ 208\n$ 250\n$ 292\n$ 333\n$ 416\n$ 833",
                    "attrs": {
                        "row": 1,
                        "col": 1,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "merged_continuation": true
                    },
                    "children": []
                },
                {
                    "id": "p20.18.6",
                    "order": 43,
                    "type": "table_cell",
                    "bbox": {
                        "l": 532.176213,
                        "t": 165.26700000000005,
                        "r": 565.03377,
                        "b": 34.90599999999995
                    },
                    "text": "$ 12,500\n$ 16,700\n$ 20,800\n$ 25,000\n$ 29,200\n$ 33,300\n$ 41,600\n$ 83,300",
                    "attrs": {
                        "row": 1,
                        "col": 2,
                        "rowspan": 1,
                        "colspan": 1,
                        "bbox_refit": true,
                        "merged_continuation": true
                    },
                    "children": []
                }
            ]
        }
    ],
    "ai_page_review": {
        "model": "claude-opus-4-8",
        "applied": true,
        "changed": true,
        "reviewed_at": "2026-09-02T12:47:34+00:00"
    }
}