Student Rights
1.     You have the right to know what financial aid programs are available at your school.
2.     You have the right to know the deadlines for submitting applications for each of the financial aid programs available.
3.     You have the right to know how financial aid will be distributed, how decisions on the distribution are made, and the basis for these decisions.
4.     You have the right to know how your financial need was determined. This includes how costs for tuition and fees, room and board, travel, books and supplies, personal and miscellaneous expenses, etc., are considered in your budget.
5.     You have the right to know what resources (such as parental contribution, other financial aid, your assets, etc.) were considered in the calculation of your need.
6.     You have the right to know how much of your financial needs, as determined by the institution, has been met.
7.     You have the right to request an explanation of the various programs in your student aid package.
8.     You have the right to know your school’s refund policy.
9.     You have the right to know what portion of the financial aid you received must be repaid, and what portion is grant aid. If the aid is a loan, you have the right to know what the interest rate is, the total amount that must be repaid, the pay back procedures, the length of time you have to repay the loan, and when repayment is to begin.
10.    You have the right to know how the school determines whether you are making satisfactory progress, and what happens if you are not.

Student Responsibilities
1.  You must complete all application forms accurately and submit them on time to the right place.
2.  You must provide correct information. In most instances, misreporting information on financial aid application forms is a violation of law and may be considered a criminal offense, which would result in indictment under the U.S. Criminal Code.
3.  You must return all additional documentation, verification, corrections and/or new information requested by either the financial aid office or the agency to which you submitted your application.

4.  You are responsible for reading and understanding all forms that you are asked to sign and for keeping copies of them.
5.  You must accept responsibility for all agreements that you sign.
6.  You must be aware of and comply with the deadlines for application or re-application for aid.
7.  You should be aware of your school’s refund procedures.
8.  All schools must provide information to prospective students about the school’s programs and performance. You should consider this information carefully before deciding to attend.

Financial Aid Confidentiality Policy
Student financial aid records are considered confidential and hence are only available to authorized financial aid personnel for the purpose of making and maintaining financial aid awards. For students who apply for food stamps or other aid awards, depending on the agency involved, it may be necessary to request such release of information in writing, prior to the financial aid office releasing it.

Institutional Affirmative Action /  Handicap Policies
This institution strongly opposes discrimination against any group or individual because of age, race, creed, sex, ethnic background or social status. An abiding respect for the dignity and worth of the  individual in an academic community is the basic democratic principle underscoring this policy.
The school does not discriminate on the basis of handicap provided such handicap does not impair the individual’s successful completion of the course or the ability to fulfill the job function for which training is being sought.  This institution is firmly committed to equality of opportunity for the fundamental reason that every individual is valuable. The individual’s value is inherent in the fact that he/she is a living human being worth the potentialities being realized. Beyond that, the individual has the right to strive for those conditions, learning and work

that are necessary and appropriate to the achievement of one’s optimal development as a person and to one’s optimum usefulness within society. 

Federal Family Education Loan (FFEL) Default Prevention Policy
The following policy will apply to all students receiving Federal Stafford Loans at this institution in an effort to reduce the default rate for the FFEL Program:

FFEL Initial Loan Processing
1.  All students applying for a FFEL will be counseled during their first interview with the financial aid officer and prior to completing the loan application. Students are told that the FFEL is a loan from the Federal government and that the government does expect to be repaid.
2.  A basic description of the FFEL application process, the length of time it usually takes to obtain the loan, and the basic provisions of the program are explained in the attachment sheets provided with the financial aid packet.
3.  You will return the loan application to the school in person or by mail in order for the loan to be processed.
4.  An entrance interview must be done before your first loan disbursement will be released.
5.  A “FFEL Entrance Interview Checklist” will be completed by you and you will receive a copy.
6.  If time does not permit individual entrance interviews, a group interview will be scheduled during the first week of classes or during any orientation scheduled prior to class start date.

Receipt of Loan Disbursements
Upon receipt of the student’s loan disbursement(s), the financial aid officer must determine that the student is still attending classes on a full-time basis and making satisfactory progress. NOTE: The requirement for the student to be making satisfactory progress at the time of disbursement, means only that the school must go back to the last evaluation period under its satisfactory progress policy.