The Ninth Circuit held the need for uniformity in federal student loan programs trumped state law claims challenging Sallie Mae’s interest rate computation method, late fee practices, and setting of the first repayment date. Chae v. SLM Corp., No. 08-56154, 2010 WL 253215 (9th Cir. Jan. 25, 2010). The court held plaintiffs’ misrepresentation claims were expressly preempted by the Higher Education Act provision excluding loans made under the Act from state law disclosure requirements. The court held conflict preemption defeated plaintiffs’ statelaw challenges to the practices themselves, deferring to the Department of Education’s view, expressed in a brief submitted in the action, that Congress intended to create a uniform regulatory framework.