United States District Court, Eastern District of New York
Plaintiff is represented by Liberatore Joseph Iannarone and Dolores M. Iannarone, Mullen & Iannarone, Defendant is pro se.
MEMORANDUM AND ORDER
JOSEPH F. BIANCO United States District Judge.
Plaintiff United States of America (“plaintiff” or “United States”) brought this action against Andrew P. Jones (“defendant” or “Jones”) seeking to recover amounts due as a result of defendant’s alleged unpaid student loan.
Plaintiff now moves for summary judgment, pursuant to Rule 56 of the Federal Rules of Civil Procedure. For the reasons set forth below, the Court grants plaintiff’s motion for summary judgment.
The Court has taken the facts set forth below from the parties’ affirmations and exhibits. Upon consideration of a motion for summary judgment, the Court shall construe the facts in the light most favorable to the non-moving party. See Capobianco v. City of New York, 422 F.3d 47, 50 (2d Cir. 2005).
On March 7, 2003, Defendant applied and was approved for a Direct Consolidation loan for a total principal amount of $63, 999.92 (“the loan”). (Pl.’s Ex. B, Certificate of Indebtedness, ECF No. 44-2; Pl.’s Ex. A, Consolidation Loan Verification Certificate and Promissory Note, ECF No. 44-2.) In exchange for the loan, defendant executed and delivered to the United States Department of Education (“DOE”) a promissory note, dated March 7, 2003, in the principal amount of $63, 999.92. (Pl.’s Ex. A., ECF No. 44-2) The loan was disbursed for $64, 180.24 from April 24, 2003 to May 30, 2003, at 8.25 percent interest per annum. (Pl.’s Ex. B, Certificate of Indebtedness, ECF No. 44-2.) The loan was made by the DOE under the William D. Ford Federal Direct Loan Program. (Id.) The DOE demanded payment according to the terms of the promissory note, and defendant defaulted on the obligation on February 22, 2004. (Id.)
Pursuant to the Certificate of Indebtedness (“COI”), sworn to under penalty of perjury by a Loan Analyst for the Department of Education, defendant owed plaintiff $102, 843.89 as of April 6, 2011. (Id.) The DOE had credited a total of $3, 355.89 in payments to the balance. (Id.) Interest on the loan accrued on the principal of $64, 180.24 at $14.50 per day. (Id.)
II. Standard of Review
The standards for summary judgment are well settled. Pursuant to Federal Rule of Civil Procedure 56(a), a court may only grant a motion for summary judgment if “the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Fed.R.Civ.P. 56(a). The moving party bears the burden of showing that he or she is entitled to summary judgment. Huminski v. Corsones, 396 F.3d 53, 69 (2d Cir. 2005). “A party asserting that a fact cannot be or is genuinely disputed must support the assertion by: (A) citing to particular parts of materials in the record, including depositions, documents, electronically stored information, affidavits or declarations, stipulations (including those made for purposes of the motion only), admissions, interrogatory answers, or other materials; or (B) showing that the materials cited do not establish the absence or presence of a genuine dispute, or that an adverse party cannot produce admissible evidence to support the fact.” Fed.R.Civ.P. 56(c)(1). The court “is not to weigh the evidence but is instead required to view the evidence in the light most favorable to the party opposing summary judgment, to draw all reasonable inferences in favor of that party, and to eschew credibility assessments.” Amnesty Am. v. Town of W. Hartford, 361 F.3d 113, 122 (2d Cir. 2004) (quoting Weyant v. Okst, 101 F.3d 845, 854 (2d Cir. 1996)); see Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986) (summary judgment is unwarranted if “the evidence is such that a reasonable jury could return a verdict for the nonmoving party”).
Once the moving party has met its burden, the opposing party “‘must do more than simply show that there is some metaphysical doubt as to the material facts . . . . [T]he nonmoving party must come forward with specific facts showing that there is a genuine issue for trial.’” Caldarola v. Calabrese, 298 F.3d 156, 160 (2d Cir. 2002) (quoting Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 586-87, 106 S.Ct. 1348, 89 L.Ed.2d 538 (1986) (emphasis in original)). As the Supreme Court stated in Anderson, “[i]f the evidence is merely colorable, or is not significantly probative, summary judgment may be granted.” Anderson, 477 U.S. at 249-50, 106 S.Ct. 2505 (citations omitted). Indeed, “the mere existence of some alleged factual dispute between the parties” alone will not defeat a properly supported motion for summary judgment. Id. at 247-48, 106 S.Ct. 2505 (emphasis in original). Thus, the nonmoving party may not rest upon mere conclusory allegations or denials but must set forth “‘concrete particulars’” showing that a trial is needed. R.G. Group, Inc. v. Horn & Hardart Co., 751 F.2d 69, 77 (2d Cir. 1984) (quoting SEC v. Research Automation Corp., 585 F.2d 31, 33 (2d Cir. 1978)). Accordingly, it is insufficient for a party opposing summary judgment “‘merely to assert a conclusion without supplying supporting arguments or facts.’” BellSouth Telecomms., Inc. v. W.R. Grace & Co., 77 F.3d 603, 615 (2d Cir. 1996) (quotation omitted).
A. Applicable Law
The case arises under the William D. Ford Federal Direct Loan Program under the Higher Education Act of 1965, as amended, 20 U.S.C. §§ 1087a-1087j. Pursuant to the Act, the Secretary of Education may require any borrower who has defaulted on a loan made under the William D. Ford Federal Direct Loan Program to “pay all reasonable collection costs associated with such loan, ” and ...