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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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X12 135 — Student Loan Application

Student loan application transmitted from the processor (school, service agency like NSLDS) to the lender: student identity, program, requested amount, guarantors.

Purpose

The 135 standardises the transmission of student loan applications in the US ecosystem (FFEL, alternative loans). Includes student SSN, school, cost of attendance, prior financial aid, and guarantors/cosigners. Reply via 144 (Student Loan Transfer Add-On Record) or rejection by absence of reply within deadline.

Envelope structure

The 135 travels inside the three X12 envelope levels (ISA/IEA, GS/GE with functional group SL, and ST/SE). Didactic example in 004010:

x12 example-135.x12 
ISA*00*          *00*          *ZZ*UNIVADMIN     *ZZ*LENDER01      *260516*1600*U*00401*000000135*0*P*>~
GS*SL*UNIVADMIN*LENDER01*20260516*1600*1*X*004010~
ST*135*0001~
BSA*00*APP-2026-001*20260516~
NM1*IL*1*DOE*JOHN****34*123-45-6789~
NM1*36*2*ACME UNIVERSITY*****FI*001234~
AMT*LO*25000.00~
DTM*373*20260901~
SE*7*0001~
GE*1*1~
IEA*1*000000135~

Common segments

  • Header — ST, BSA (Beginning Segment for Loan App).
  • Student — NM1*IL Student name + REF*SY SSN.
  • School — NM1*36 + OPE-ID.
  • Loan — AMT requested amount, DTM dates.
  • Cosigners — NM1*C0 repeating.
  • Summary — SE.

Common pitfalls

  • SSN in clear: the 135 must travel over encrypted AS2. No plain HTTP transmission.
  • Missing OPE-ID school: Department of Education code mandatory to validate eligibility.
  • Amount > cost of attendance: automatic rejection by the underwriting engine.

Documentation

The 135 code and the Student Loan Application name are public and listed at x12.org/products/transaction-sets. The full loops/qualifiers/code-lists structure is distributed by DISA via proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.