The Secretary amends the Federal Family Education Loan (FFEL) Program regulations. These final regulations implement changes made to the Higher Education Act of 1965 by the Higher Education Amendments of 1998 (the 1998 Amendments). The regulations cover many areas of the FFEL Program, including changes to the financial structure of guaranty agencies. DATES: These regulations are effective July 1, 2000. FOR FURTHER INFORMATION CONTACT: Mr. George Harris, U.S. Department of Education, 400 Maryland Avenue, SW., room 3045, ROB-3, Washington, DC 20202-5449. Telephone: (202) 708-8242. If you use a telecommunications device for the deaf (TDD), you may call the Federal Information Relay Service (FIRS) at 1-800-877-8339. Individuals with disabilities may obtain this document in an alternate format (e.g., Braille, large print, audiotape, or computer diskette) on request to the contact person listed in the preceding paragraph.