Five R2T4 calculation elements
Withdrawal date, percentage of period completed, amount of Title IV aid earned, amount to be returned, and amount of post-withdrawal disbursement — all present and calculated correctly, or the file does not release.
The most rigorous R2T4 & verification desk a small college can buy.
AidCleared assembles a documentation-complete compliance file — every R2T4 calculation under the July 1, 2026 rules, every verification document conflict-checked, every statutory deadline met — checked against the letter of 34 CFR §668.22 and the FSA Handbook before a credentialed specialist releases it.
Every subsection of 34 CFR §668.22Five statutory R2T4 elements, gate-checkedISIR · tax transcript · SIS · COD · NSLDS searchesCredentialed specialist release on every file5-business-day SLA
Why compliance fails
A single miscalculation can trigger a repayment liability.
A small college's Title IV compliance is only as strong as its verification and R2T4 processes. Miss a conflicting document, miscalculate the return under the new July 1, 2026 rules, skip a required search, or fail to meet the 30/45-day clock — and the school faces a repayment liability, audit finding, or even loss of Title IV participation.
Most schools run this by hand, from memory, with a generalist aid office of 1-6 people. The new rules took effect seven days ago. Staff are overwhelmed, turnover is high, and auditors are already writing findings.
AidCleared exists to close that gap with a single, exhaustive standard applied identically to every file.
10+ years
R2T4 errors on ED's Top-10 audit findings list, consecutively
The benchmark
Measured against the letter of the regulation — subsection by subsection.
We do not summarize the law and hope. Every file is scored against a versioned rule pack tied to the exact text of 34 CFR §668.22 and the FSA Handbook. These are the provisions each file is held to.
30/45-day clock
The R2T4 calculation is verified to be completed within 30 days of withdrawal determination and funds returned within 45 days — computed deterministically, never estimated.
Every required data source
ISIR, tax transcripts, SIS attendance records, COD data, and NSLDS — established by search, not assumption.
New rules compliance (July 1, 2026)
Freeze dates eliminated, module counting changed, clock-hour math updated — every calculation uses the current methodology.
Verification conflict resolution
All conflicting information between ISIR and supporting documents is identified and resolved with a memo, or the file is flagged for school action.
Audit-ready file assembly
Complete documentation trail: calculation worksheets, source data, conflict memos, return instructions, and a compliance checklist — sequenced so nothing is missed.
How a file is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A credentialed Title IV compliance specialist approves every release. That order is never reversed.
01
Compliance Gap Scan
Upload a withdrawal or verification-selected ISIR. We return a free completeness read: which regulatory elements and data sources you already have, and which are missing.
02
Data & document collection
As your authorized clerical agent, we retrieve ISIRs, tax transcripts, SIS attendance records, COD data, and NSLDS reports and build the data matrix, corroborated across sources.
03
Grounded calculation & drafting
The R2T4 calculation is performed using deterministic dual-path math; verification conflicts are flagged and memos drafted — no legal opinions, no invented facts.
04
Deterministic completeness gates
Amounts reconcile to the penny; the 30/45-day window is verified; the data-source checklist is resolved; SCRA is screened. Any failure blocks release.
05
Specialist release
A credentialed Title IV compliance specialist reviews the exception queue and signs the release. High-dollar or complex cases route to senior review first.
06
Delivery
You receive the file: calculation worksheets, conflict memos, data-source evidence log, return instructions, and the audit-ready compliance checklist — ready for the school's designated official to execute.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No file ships without a credentialed human signature.
5 days
Standard SLA
From complete intake to released file.
<1%
Critical-defect target
Tracked against a gold-standard file library.
5
Data-source checks
ISIR · tax transcripts · SIS · COD · NSLDS, every applicable file.
Why AidCleared
Built to be the most thorough option a small college has.
Documentation-complete, by design
The deliverable is completeness itself — every regulatory element and data source accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A calculation error cannot slip past a regulatory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never contact the student, give legal advice, or make final aid determinations.
Engagement
Flat fee, per released file. No hourly billing, ever.
Simple, predictable, and aligned with a compliance standard — not a cut of any recovery.
- A free Compliance Gap Scan before you commit — see exactly what is missing.
- One flat fee per released R2T4 or verification file; disclosed pass-through data-source fees.
- Optional fixed-fee senior review for high-dollar or complex cases.
- Optional Subscription Desk for recurring monthly volume with priority SLA.
FAQ
Questions, answered precisely.
Is AidCleared a law firm?
No. AidCleared, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Senior review is available and recommended for high-dollar or complex cases.
Do you contact the student or make final aid decisions?
Never. AidCleared is not a debt collector and does not contact students or make final aid determinations. The school's designated official retains final sign-off and executes all returns.
What makes a file 'complete'?
Completeness is defined by the regulation: the five R2T4 calculation elements present, the 30/45-day clock verified, all data sources resolved or exception-coded, identity corroborated, and SCRA screened. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released file. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per released file, plus disclosed pass-through data-source costs. No hourly billing and no percentage of any recovered amount.
See what's missing before it costs you a repayment.
Start with a free Compliance Gap Scan. Send a withdrawal or verification-selected ISIR and we'll return a completeness read against every subsection of 34 CFR §668.22.
Documentation-completeness service · not legal advice · the school retains final authority.