Consumer Information 2014-2015€¦ · consumer information about The Academy to all current and incoming students through the means of this Consumer Information document. It is the

Consumer Information 2014-2015

© 2013 SPEC, LLC Consumer Information 2014-2015 8-2014 Code: FA

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Table of Contents

Consumer Information Message to Students

Contact Personnel

Annual Notice

Academy Facilities

Faculty and Administrative Staff

State Licensing / Accreditation Agencies

Educational Requirements

Home Schooling

Pre-Enrollment Information

Graduation / Completion / Transfer-out Rates / Placement / Pre-Enrollment Information

IPEDS Statistics / College Navigator Website

Internet Course Availability

Telecommunications and Correspondence Courses

Study Abroad Programs

Transfers

Vaccination Policy

Voter Registration

Crime Prevention

Campus Security Disclosure / Annual Report Statistics

Admissions Policy

Prior to Enrollment

Non-Discrimination

Request for Reasonable Accommodations

Readmission Requirements for Service Members

Incarcerated Students

Enrollment Status

Code of Conduct

Private Consumer Educational Loans

Programs Offered / Hours to Completion / Tuition Cost / Textbooks and Kit Cost

Textbook and Kit Information

Textbook and Kit Disbursement Policy

Incentive Compensation

Net Price Calculator

Types of Aid Available to Those who Qualify

Title IV Interest Rates

Cost of Attendance

Effects of Student Loans

Eligibility Requirements for Title IV Funding

Title IV Aid – Determining Eligibility

Satisfactory Academic Progress (SAP)

General Information for Title IV Funding

Loan Eligibility



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Loan Fees

Terms and Conditions of Loans

Procedures when Applying for Title IV Aid

Entrance Loan Counseling

Disbursing Federal Aid

Principles of Excellence for Educational Institutions Serving Service Members, Veterans, Spouses, and other Family Members

Deferment on Previous Loans

Official / Unofficial Withdrawal Procedures Prior to Graduation

Return to Title IV Policy (R2T4)

Academy Refund Policy

Exit Loan Counseling

Sample of Standard Repayment Schedule Constitution Day Copyright Infringement Policy Drug Convictions / Student Eligibility Drug Offenses Related to Title IV Aid Standards for Qualified Drug Rehabilitation Program Federal Drug Trafficking Penalties Drug and Alcohol Abuse Prevention Drug Free Campus Family Educational Rights and Privacy Act (FERPA) Safe Guarding Consumer Information-Identity Theft Prevention Red Flags Whistleblower Protection and Anti Retaliation Policy Misrepresentation Policy of Truth and Candor Gainful Employment (GE)

Office Responsible for Consumer Information:

Financial Aid Administrator / Owner

Area Information is Located: Academy website / paper copy upon request

Date Document was Last Updated: 8/2014

Date Policies and Procedures Updated: 8/2014



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CONSUMER INFORMATION MESSAGE TO STUDENTS

The Salon Professional Academy (herein after known as “The Academy”) is providing consumer information about The Academy to all current and incoming students through the means of this Consumer Information document.

It is the responsibility for students to understand all aspects of this Consumer Information and their relation to any Federal student aid and any consequences in relation to the aid applied for in relation to early withdrawal from The Academy.

Federal aid students must carefully read the information provided in this document to understand the rights and responsibilities as a recipient of Federal student aid.

For cash paying students, please draw your attention to all aspects of this document minus the Title IV funding for which you have chosen to not participate.

CONTACT PERSONNEL TO ASSIST WITH CONSUMER INFORMATION / FINANCIAL INFORMATION

Each Financial Aid Administrator (FAA) and Assistant FAA are knowledgeable of the information contained within this document and are readily available to assist prospective/enrolled students and/ or their parents during normal business hours.

Our business hours are Monday-Friday 9:00 am to 5:00 PM.

Students may contact Amy Mayer, The Financial Aid Administrator, at 701.478.7112 ext 111 for additional consumer information questions.

For general Academy questions please contact Lisa Christianson, Admissions Representative at 701.478.1772 ext 104.

ANNUAL NOTICE

Annually, all staff and enrolled students will be given a copy of The Academy’s Annual Notice.

Information contained within the Annual Notice document will include the name of the document, a brief description of the document, where to find the document and if the document is housed on The Academy’s website, an exact electronic address will be provided.

A paper copy of any of the documents listed within The Annual Notice is provided upon request.

ACADEMY FACILITES

The Academy is located at 4377 15th Avenue South – Fargo, ND 58103.

Information concerning classroom and salon area instructional facilities can be found in The Academy Catalog.

o The Catalog is available upon request from the admissions department of The Academy.

o The Catalog is given to all students prior to enrollment.

The Academy building is handicap accessible. FACULTY AND ADMINISTRATIVE STAFF

A complete list of Academy administrative staff and faculty is provided on page 34 of The Academy Catalog.



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STATE LICENSING / ACCREDITATION AGENCIES

Contact information for the State Licensing Agency and Accreditation Agency are listed in The Academy’s Catalog.

Upon request, The Academy will make available for review copies of the documents describing The Academy’s accreditation and approval of state licensure.

EDUCATIONAL REQUIREMENTS

All students must have a valid high school diploma or G.E.D. certificate or equivalent.

HOME SCHOOLING

Home-schooled students, are self-certified and for eligibility purposes.

If the state requires home schools to be registered, The Academy will only accept diplomas from state certified home school environments.

The Salon Professional Academy considers home-schooled students to be beyond the compulsory age if the state in which the student was home schooled does not consider the student truant once he or she has completed the home-schooled program.

PRE-ENROLLMENT INFORMATION

The Academy prepares the graduation rate of its certificate, first-time, full-time undergraduate students annually.

o The reporting time frame includes September 1-August 31 during which 150% of normal time for completion from that program has lapsed.

o The information will be available no later than July 1 immediately following the 12-month period ending August 31 during which 150% of the normal time for completion or graduation has elapsed for all of the students in the group on which The Academy bases its completion or graduation rate, and if applicable, transfer-out rate calculations.

Pre-enrollment information, including graduation, licensure and placement rates are made available to every student prior to signing their enrollment agreement and before any financial aid obligation with The Academy is executed.

The Annual Notice, distributed yearly, contains the availability of updated information and where that information can be found.

GRADUATION /COMPLETION AND TRANSFER-OUT RATES / PLACEMENT

The Academy provides means to this information in-house through the Pre-Enrollment Information document (including but not limited to graduation licensure and placement rates), which is provided to all students at the time of contract signing, prior to the signing of the enrollment agreement (contract).

Under certain circumstances, schools are allowed to exclude from the completion/graduation or transfer-out rate calculations those students who leave school to serve in the Armed Forces, on an official church mission, or with a federal foreign aid service, or are deceased or totally and permanently disabled.

Transfer-out rates are not disclosed since The Academy transfer-out rates are so low and therefore not sufficient to yield statistically reliable information and additionally, so as not to reveal personally identifiable information about an individual student.



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Job Placement assistance is provided at The Academy at any time upon or after graduation.

o Information on types of employment for our graduates is found in The Academy admissions office and in The Academy catalog.

Job Placement rates are obtained: o from graduate surveys, employer surveys and; o during the graduate’s exit interview process and during follow up calls with our

graduates and; o Social Media

These statistics are kept within The Academy grouped by calendar year of those graduating.

IPEDS STATISTICS / COLLEGE NAVIGATOR WEBSITE

The College Navigator website (http://nces.ed.gov/collegenavigator/) provides current and prospective students information about student body diversity, including the percentage of enrolled, full-time students as provided in the IPEDS Reports and is available in the following categories:

o Male / Female o Self-identified members of a major racial or ethnic group o Federal Pell Grant recipients

Graduation rates disaggregated by gender, by each major racial and ethnic subgroups, by recipients of a Federal Pell Grant, by recipients of a Federal Direct Loan (other than Unsubsidized) who did not receive a Federal Pell Grant, and by recipients of neither a Federal Pell Grant nor a Federal Direct Loan, will not be disclosed unless there is sufficient numbers of students to yield statistically reliable information with confidence and confidentiality and the reporting will not disclose personally identifiable information.

The College Navigator website also gives information concerning student services, student activities, students with disabilities, career placement during and after enrollment and transfer of credit from other schools, retention, licensure, graduation and placement rates.

The retention rate of first-time, undergraduate students as reported in the IPEDS Fall Enrollments Survey can be requested by a current or prospective student prior to the student enrolling or entering into a financial obligation with The Academy.

INTERNET COURSE AVAILABILITY

The Academy does not offer any Internet course schedules. TELECOMMUNICATIONS AND CORRESPONDENCE COURSES

The Academy does not offer telecommunications or correspondence courses / programs of study.

STUDY ABROAD PROGRAMS

The Academy does not offer any study abroad programs.

http://nces.ed.gov/collegenavigator/



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TRANSFERS

A student wishing to transfer may be accepted to an educational course / program after carefully evaluating the student’s academic records. Each transfer is evaluated on an individual basis. No more than 20% of the program will be credited from another institution. All transfer hours must be approved by the ND State Board of Cosmetology or the ND Board of Massage (as applicable to the program). All accepted transfer hours will be credited at the end of the student’s training. A possibility exists that no transfer credit will be granted. We do not recruit students who are attending or have been admitted to other similar programs. Transfer students will pay the applicable registration fee as well as the current tuition rate for the program in which they are enrolled. Tuition balances do not transfer from one school to another. Transfer students will still be subject to over contract fees if applicable.

VACCINATION POLICY

The Academy does not require vaccination records for admittance to The Academy. o Because we respect the rights and decisions of all parties concerning childhood

vaccines, we do not require these records for admittance. VOTER REGISTRATION

The state of North Dakota is the only state that does not have voter registration. In order to vote in North Dakota, you must be:

A U.S. citizen.

At least 18 years old on the day of an election.

A legal North Dakota resident.

A resident in the precinct for 30 days preceding the election. CRIME PREVENTION

All crime prevention policies and procedures can be found in the Campus Security Disclosure / Annual Report Statistics, in the Student Handbook, located in the admissions office.

CAMPUS SECURITY DISCLOSURE / ANNUAL REPORT STATISTICS

Under the Crime Awareness Campus Security Act of 1990, we are required to provide you with the safety information about our campus.

The entire Campus Security Disclosure /Annual Report Statistics regarding campus safety and crimes can be found in the admissions office and in the Student Handbook.

All students are given this information prior to enrollment for any educational course / program and both staff and students receive an updated copy of this document during the Annual Notice, before October 1st of each year however; a student or employee may request a paper copy at any time.

The Campus Crime Report / Campus Security Disclosure contains any Academy occurrences, both attempted and completed, as reported regarding statistics for criminal homicide, sex offenses, robbery, aggravated assault, simple assault, intimidation, burglary, motor vehicle theft, larceny-theft, destruction or damage or vandalism to



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property motivated by bias, any other crime involving bodily injury, arson, liquor/drug/illegal weapons violations, hate crimes and violence against women.

The Campus Security Disclosure / Annual Report Statistics includes emergency response / procedures / evacuation information as well as The Academy’s Timely Warning Policy.

The Academy is committed to providing a violence-free campus and to providing safety to all of its students, staff, and student salon area guests.

The Academy’s Timely Warning Policy is contained within the Campus Security Disclosure.

The emergency response and evacuation information is included in The Academy’s Campus Security Disclosure and in The Academy’s annual security report.

ADMISSIONS POLICY

The full Admissions Policy outlining enrollment requirements, enrollment procedures and all requirements to remain enrolled in The Academy can be found in The Academy admissions office.

A paper copy is available upon request.

All courses are taught in English. PRIOR TO ENROLLMENT

Before enrolling a prospective student for admission, The Academy provides the prospective student a copy of The Academy Catalog, Student Handbook, all required consumer pre-enrollment information, knowledge that accurately reports the certification or licensing requirements of the jurisdiction for which it is preparing graduates and provides access to materials that accurately reflect the most recent accreditation annual report statistics.

The prospective student’s educational background is considered prior to enrolling a student.

The Academy does not admit ability-to-benefit students.

All students admitted are beyond the compulsory age of attendance for the State of North Dakota.

All students must be enrolled as a regular student in an eligible program.

NON-DISCRIMINATION

The Academy does not discriminate on the basis of sex, age, race, color, religion, or ethnic origin in admitting students nor does it recruit students already attending or admitted to another school offering similar programs of study.

All service members of the armed services will not be denied admissions based on reasons related to their service.

REQUEST FOR REASONABLE ACCOMMODATIONS

The Academy Admissions Director has been designated to handle inquiries regarding non-discrimination policies and services for disabilities, including intellectual disabilities.

Individuals with disabilities are afforded an equal opportunity to participate in The Academy’s programs and activities, along with equal employment opportunities in the



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industry, but note that The Academy and future potential employers may only be required to make reasonable modifications or accommodations for such individuals, as required by law.

RE-ADMISSION REQUIREMENTS FOR SERVICE MEMBERS

An institution may not deny readmission to a person who is a member of, applies to be a member of, performs, has performed, applies to perform, or has an obligation to perform, service in the uniformed services on the basis of that membership, application for membership, performance of service, application for service, or obligation to perform service.

The Academy will promptly re-admit any service member with the same academic status as the student had when the student last attended The Academy or was last admitted to The Academy, but did not begin attendance because of that service membership, application for membership, performance of military service, application for service, or obligation to perform service.

“Promptly re-admit” means that the institution must re-admit the student into the next class or classes in the student's program beginning after the student provides notice of his or her intent to re-enroll, unless the student requests a later date of re-admission or unusual circumstances require The Academy to admit the student at a later date.

INCARCERATED STUDENTS

Incarcerated students are not eligible for enrollment as all classes and student salon area education is conducted at the physical location.

A student is not considered incarcerated if the student is in a halfway house, has home detention, or is serving a sentence on weekends only.

ENROLLMENT STATUS

Students must be enrolled at least halftime to qualify for available Direct Subsidized / Unsubsidized and Direct Plus Loan programs.

Part–time enrollment of at least halftime does not reduce the students Pell award. o However, if the program is less than an academic year (in clock hours) or weeks

of instructional time, students enrolled in that program won’t receive a full scheduled award.

Length of the program as defined in clock hour and weeks affects the amount of aid a student can qualify for.

Students must complete the required hours and weeks in the payment period to receive the Pell awarded for that payment period.

Halftime status is determined by the number of clock hours the students is attending. CODE OF CONDUCT

The Academy’s Code of Conduct outlines the prohibition of conflict of interest with the responsibilities of an agent of The Academy with respect to educational loans.

The Code of Conduct is found on our website, Consumer Information page at: http://www.thesalonprofessionalacademy.com/fargo/consumer.html

http://www.thesalonprofessionalacademy.com/fargo/consumer.html



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All staff members associated with student loans are informed annually of the provisions of the code.

PRIVATE CONSUMER EDUCATIONAL LOANS (if applicable)

Information regarding consumer loans can be found in the financial aid office.

It is recommended that all Title IV aid be exhausted first as typically, Title IV has a lower interest / better repayment rate than consumer loans.

Information presented regarding private loans, if applicable, will be presented in a manner that makes it distinct from information regarding Title IV, HEA program Loans.

Truth in Lending documents will come directly from the private lender.

The name of the lender will be prominently displayed in all information and documentation related to private education loans.

Students who need or desire additional funding beyond Title IV or who are ineligible for Federal aid may need to utilize alternative private consumer credit loan funding.

o A FAFSA is not required to apply for alternative forms of lending. o Private loans / payment plans typically have higher and variable interest rates. o Private loans may have more fees invoked and less flexible repayment options. o Upon request, The Academy will provide a written or electronic private loan self-

certification form for any available, applicable private loans to the extent The Academy possesses the information.

PROGRAMS OFFERED HOURS TO COMPLETION TUITION COST BOOK/KIT COST Cosmetology 1800 hours current costs are listed in the catalog Massage Therapy 900 hours current costs are listed in the catalog Nail Technology 350 hours current costs are listed in the catalog Esthetics 600 hours current costs are listed in the catalog

TEXTBOOK AND KIT INFORMATION

All textbook and kit itemized costs are provided to the student prior to enrolling for classes.

All textbook and kit items are obtained through suppliers that sell only to licensed beauty professionals / cosmetology colleges.

Students are required to purchase from The Academy books and kit items, required for the Educational Program because they are only available through suppliers that sell to licensed beauty professionals / cosmetology colleges.

The Academy sells textbook and kit items to the Student at the same cost (for these items) incurred by The Academy.

The textbook and kit items are non-refundable.

In order to keep learning materials relatively current with changes in the industry and regulatory changes, The Academy, from time to time, may change the selection of textbook and kit items and it reserves the right to do so at its discretion.



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TEXTBOOK AND KIT DISBURSEMENT POLICY The Salon Professional Academy has payment options available for the purchase of textbooks and kit items.

For those students using Title IV funds, the charge for textbooks and kit items can be added to the institution charges.

o Title IV Funds used for these costs will be disbursed by the payment period.

The textbook and kit costs are due and payable in the first payment period.

Students that use the Title IV option are considered to have authorized the use of Title IV funds to cover the cost of textbooks and kit items and will not need to give further written authorization for this purpose.

o NOTE: The Student using Title IV funds (Pell Grants, Stafford Direct Subsidized and Unsubsidized Loans and Direct Parent Plus Loans) must meet Satisfactory Academic Progress Policy requirements, including provisions pertaining to Financial Aid Warning / Financial Aid Probation, pursuant to The Academy Satisfactory Academic Progress (SAP) Policy, in order to remain eligible for Title IV funding.

o The SAP Policy is provided to the student prior to signing this Agreement. o For those students that are on a 0% cash payment plan, a down payment of the

total cost (tuition, textbooks, and kit combined) is paid before classes begin and the remaining balance is divided out over the number of months in the program or 11 months, whichever is the lesser, with payment due the 1st of each month.

o The Salon Professional Academy reserves the right for students to opt out of the Textbooks and Kit Disbursement Policy payment options if the student has paid in full for the charges of textbooks and kit items prior to the students’ contractual start date.

o The textbook and kit items are non-refundable. INCENTIVE COMPENSATION

The Salon Professional Academy will not provide a commission/bonus or other incentive payment based in any part, directly or indirectly on success in securing enrollments or financial aid to any person or entity engaged in any student recruiting or admission activities or in making decisions regarding awarding Title IV funds.

Salaries for staff associated with Admissions or Financial Aid will be based on job responsibilities, length of employment, and standard evaluative factors.

NET PRICE CALCULATOR

The Net Price Calculator is posted on The Academy website in accordance with the Higher Education Opportunity Act of 2008.

The Net Price Calculator allows prospective students to calculate an estimated net price at an institution based on a student’s individual circumstances using the following basic formula: price of attendance minus grant aid.

Based on the information entered by the student, an average net price of attendance is generated based on what similar students paid in the previous year.

This calculator is designed to help you estimate your educational expenses after grants and will be used when determining Title IV loan eligibility when working with The



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Academy Financial Aid Administrator (FAA) to calculate your remaining educational expenses.

Results of the Net Price Calculator will be dependent on the accuracy and completeness of the information entered and is intended to provide only a general guide to your eligibility for financial aid.

Any result of this Calculator is not guaranteed by The Academy and is meant to be an indication of the aid you may be eligible to receive.

This is not an application for financial aid. Students must complete the Free Application for Federal Student Aid (FAFSA) to be

eligible for Title IV funds. For more information on applying for Federal student aid, please go to www.fafsa.ed.gov Note: The estimate provided using this net price calculator does not represent a final

determination, or actual award, of financial assistance. It is not binding as it is subject to change based on additional information needed to package the student’s aid.

The price of attendance and financial aid availability may change. This estimate shall not be binding on the Secretary of Education, this institution of higher

education or the State in which this institution of higher education is located. Completing the calculator should take no more than 20 minutes of your time.

o You will need to answer some basic questions about your parents' financial situation so it might be helpful to have recent tax forms or pay stubs on hand before you begin.

To access The Academy’s Net Price Calculator, please log on to The Academy website at www.tspafargo.com, go to the Consumer Information page at http://www.thesalonprofessionalacademy.com/fargo/consumer.html

TYPES OF AID AVAILABLE TO THOSE WHO QUALIFY

A student or prospective student can contact The Academy’s Financial Aid Administrator for assistance in obtaining information regarding both Title IV funding and any available consumer loans, if applicable.

Need Based Aid: Pell Grants and Direct Subsidized Loans

Non-need Based Aid: Direct Unsubsidized Loans, Direct Parent Plus Loans and Consumer Loans, if applicable

Direct Loan borrowers who previously signed Master Promissory Notes (MPN’s) that contain information about the interest rates that were in effect prior to July 1, 2014 are not required to sign new MPN’s to receive the new interest rates on loans first disbursed on or after July 1, 2014.

Moving forward, interest rates will be established each year for Direct Subsidized and Unsubsidized and Direct Plus loans that will apply to the first disbursement made on or after July 1st of the current calendar year.

Interest rate, once established, will apply to the life of the loan and the loan will be a fixed-rate loan.

o As a result, it is likely that many borrowers will have a set of fixed-rate loans, each with a different interest rate, depending on when each loan incurred its first disbursement.

http://www.fafsa.ed.gov/

http://www.tspafargo.com/

http://www.thesalonprofessionalacademy.com/fargo/consumer.html



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The Direct Loan Program interest rates are identical for Direct Subsidized and Direct Unsubsidized loans and apply to undergraduate students for which the first disbursement of a loan is made on or after July 1, 2013.

TITLE IV INTEREST RATES

The interest rates for undergraduate Subsidized and Unsubsidized Loans disbursed on or after July 1, 2014 through June 30, 2015 are fixed at 4.66%

The interest rates on Direct Plus Loans disbursed on or after July 1, 2014 through June 30, 2015 are fixed at 7.21%

COST OF ATTENDANCE

Cost of Attendance (COA) falls into two categories: o “Dependent” students living at home with parents o “All Others”

Dependent students living in an apartment, or elsewhere Independent students

The COA is based on the length of the program, tuition and fees, loan fees, as well as average national room and board, personal expenses, and transportation costs.

The financial aid office has the COA budget for each program that is qualified for Title IV, HEA funding readily available upon request.

EFFECTS OF STUDENT LOANS

If the student receives other forms of financial assistance such as scholarships it may reduce the student or the student’s parent eligibility for Federal Aid.

Loans must be repaid, even if the student does not finish their education. o More information regarding loan repayment can be found in the “Terms and

Conditions of the Loan” section of this document.

Federal Loan repayment begins 6 months from the student’s last day of attendance.

If a student does not return from a Leave of Absence (LOA) within the maximum 180 calendar days in a 12-month period, the student’s Federal Loans immediately enter repayment.

Failure to repay a student loan will leave a negative mar on the borrower’s credit.

Over borrowing of student loans may cause a borrower, when entering repayment, to incur larger payments than their earning potential can handle, especially during the early years of repayment.

ELIGIBILITY REQUIREMENTS FOR TITLE IV FUNDING o Have a valid High School Diploma or GED

Enrollment in a program of study abroad approved for credit by the home school may be considered enrollment in the home school for the purposes of applying for Title IV funding.

o Complete the FAFSA for each financial aid year in which the student is eligible for aid

o Comply with The Academy Satisfactory Academic Progress Policy regarding SAP evaluations, Financial Aid Warning, Financial Aid Probation, if applicable

o Currently, not be in default on previous student loans



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o Not owe repayment on an adjusted /over award Pell Grant o Have remaining eligibility for Pell Grants / Subsidized or Unsubsidized Loans o Have not exceeded the annual and aggregate Direct Loan limits and complies

with the 150% Direct Subsidized Loan rule / Pell Lifetime Award limits o Have remaining eligibility if the student is a transfer student o Be enrolled in an eligible program o Be enrolled and maintain at least half time attendance o Have a successful ISIR Social Security match or comment code indicating

successful INS match o If male, ages 18-25 has registered with the Selective Service o Be a citizen or eligible non-citizen o Have resolved any drug conviction issues o Not have an Unusual Enrollment History (UEH) that prevents eligibility

TITLE IV AID DETERMINING ELIGIBILITY FOR TITLE IV AID

Eligibility is determined based on information the student and /or parent(s), if applicable provide on the Free Application for Federal Student Aid (FAFSA).

The Federal need analysis formula is evaluated and calculated taking into account all relevant information provided on the FAFSA including your family’s ability to contribute towards educational expenses.

Title IV Funding can include lower-interest Direct Subsidized and Unsubsidized Loans, Direct Parent Plus Loans, as well as free Pell Grants for those who qualify.

Qualifying loan or Pell Grant amounts are the result of utilizing a valid ISIR in conjunction with calculating the student’s Cost of Attendance Worksheet.

o Once a determination of the qualified loan(s) and / or Pell Grant has been achieved, the student will be asked to decide and sign for the qualifying awarded aid they desire to fund their educational costs.

SATISFACTORY ACADEMIC PROGRESS (SAP) The Academy’s full version of the SAP Policy can be found in the Student Handbook, located in admissions office of The Academy.

All students (cash and Title IV aid) attending The Salon Professional Academy must maintain Satisfactory Academic Progress (SAP).

This policy complies with the guidelines established by the National Accrediting Commission of Career Arts and Sciences (NACCAS) and the Federal regulations established by the United States Department of Education.

The SAP Policy is given to all students prior to signing the enrollment agreement and is applied with consistency, regardless of part time / full time status.

SAP is defined as reaching each checkpoint of training with a cumulative 85% theory and practical grade average, as well as attended a minimum of 85% of the scheduled hours at their designated checkpoints.

Students who meet these requirements are considered to be making SAP until the next scheduled evaluation.

85% equates to 117% maximum time frame for completion of the program.



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o Maximum time frame in hours to complete divided by the hours in the program=117%

All students will be notified of any evaluation that impacts the student’s eligibility for financial aid, if applicable, through means of their Report Card, which is signed at each checkpoint of training.

o A copy of the Report Card is given to the student and one placed in their academic file.

If at any time new/ conflicting information is made available that affects the student’s SAP, The Academy will go back and re-evaluate SAP for the payment period in question.

If the newly presented information changes the student’s SAP level from satisfactory to unsatisfactory or from unsatisfactory to satisfactory, adjustments will be made to any affected Title IV aid pending the results of the newly found conflicting information.

If a student fails to maintain Satisfactory Academic Progress (SAP) according to the SAP Policy and subsequently loses aid eligibility, she / he must follow the criteria outlined in this policy to re-establish SAP before re-gaining eligibility for Title IV Aid.

GENERAL INFORMATION FOR TITLE IV FUNDING

The Academy complies with state approval and licensure requirements to be legally authorized to provide postsecondary education in the state of North Dakota and therefore is eligible to participate in Title IV and HEA programs.

The Academy has a Direct Loan quality assurance process in place that documents the reporting loan records; disbursements and adjustments to disbursements correctly to the Common Origination and Disbursement (COD) System; disbursing and returning loan funds in accordance with regulatory requirements; disbursing the correct loan amount to the correct student; and completing monthly reconciliation and Program Year Closeout.

The Academy FAA educates students and / or parents in all options of aid available to those who qualify.

When available, students receive copies of information regarding loan availability as provided and published by the U.S. Department of Education.

o These publications also include information regarding the rights and responsibilities of students and schools.

To continue to receive Title IV aid, the student must meet applicable SAP requirements or qualify for Financial Aid Warning / Financial Aid Probation prior to disbursing aid.

We understand that all student’s / family’s needs are unique.

We are committed to the student’s educational success, a part of which includes securing the appropriate funding.

The student / parent information provided in the FAFSA, in conjunction with State / Federal regulations and including the National Student Loan Data System (NSLDS), determines the student’s eligibility for available programs.

o The student’s awarded loan information will be submitted to the NSLDS and will be accessible by guaranty agencies, lenders, and schools determined to be authorized users of the data system.

Any student who was / is a first time borrower on or after July 1, 2013 is subject to the Federal regulations regarding the 150% Direct Loan rules.



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o A first time borrower is anyone who had either paid off all student loan debt prior to July 1, 2013 and is now reapplying for Direct Loans or; anyone who is a first time post-secondary education attendee on or after July 1, 2013 and is seeking to borrow Direct Loans.

Many parents of dependent students borrow money to help cover educational costs and living expenses for their daughter / son.

o The Academy offers qualifying parents of eligible dependent students the ability to apply for the Federal Direct Parent Plus Loan to aid in covering educational costs.

Loan Availability- Information regarding loan availability and student loan eligibility published by the U. S. Department of Education can be found at www.studentloans.gov.

o This publication includes information about the rights and responsibilities of students and schools under the Title IV, HEA loan programs

LOAN ELIGIBILITY

Subsidized Direct Loans are available to undergraduate students and is interest-free during the student’s enrollment of at least half time.

o Interest will begin to accrue if the student drops below half time status or after the student’s last day of attendance.

o The Unsubsidized loan interest begins to accrue upon the first disbursement of the loan.

***Subsidized Federal Direct Loan Eligibility offsets unsubsidized Loan amounts listed below:

Subsidized Federal Direct Loan

Unsubsidized Federal Direct Loan

Dependent Independent

1st Academic Year $3500 ***$2000 ***$6000

2nd Academic Year $4500 ***$2000 ***$6000

LOAN FEES

Subsidized and Unsubsidized Loans disbursed on or after December 1, 2013 through September 30, 2014 have a 1.072% origination fee.

Subsidized and Unsubsidized Loans disbursed on or after October 1, 2014 through September 30, 2015 have a 1.073% origination fee.

Parent Plus Loan fees on or after December 1, 2013 to September 30, 2014 have a 4.288% origination fee.

Parent Plus Loan fees on or after October 1, 2014 through September 30, 2015 have a 4.292% origination fee.

TERMS OF CONDITIONS OF LOANS

Terms and Conditions of the Direct Subsidized and Direct Unsubsidized Loans are found on pages 2 and 3 of the Direct Loan Master Promissory Note (E-MPN) found at http://www.direct.ed.gov/pubs/dlmpn.pdf

http://www.studentloans.gov/

http://www.direct.ed.gov/pubs/dlmpn.pdf



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The applicable terms of any consumer loan received as part of the financial aid package can be found in conjunction with the original signed loan paperwork.

Terms and Conditions of Loans in Regards to Employment

The Academy aids in job placement at any time after graduation, however; The Academy does not guarantee job placement.

It is the obligation of the borrower to repay the full amount of any loans even if the student does not complete the program or secure employment.

Delay in employment is not in any way connected to the terms and conditions of the loan(s).

Borrower’s Rights and Responsibilities of a Student Loan

All rights and responsibilities of Direct Student Loans are found on the paper application of the Master Promissory Note.

PROCEDURES WHEN APPLYING FOR TITLE IV AID

The student will complete the applicable award year FAFSA for each award year necessary in order for the student to receive eligible Title IV aid.

The Department of Education prefers students complete an online FAFSA. o Upon request, the student will be given a paper FAFSA. o To complete a web FAFSA, the student will need an electronic pin number.

This can be obtained at www.pin.ed.gov o Follow all written instructions when completing the FAFSA. o On the FAFSA, list the School Code for The Salon Professional Academy, Fargo,

North Dakota to allow The Academy to receive this information. The Academy’s School Code for FAFSA purposes is: 040313.

o Step Three of the FAFSA determines a student’s dependent or independent status.

Parents of dependent students will need to provide information on the FAFSA in order for a student to be eligible for a Pell Grant and for the FAA to determine unmet need.

Unmet need determines the student’s eligibility for a Subsidized Loan.

If the parents of a dependent student refuse to provide information on the FAFSA, o The student will not be eligible for Pell Grants. o The student will only be eligible for Direct Unsubsidized Loan funding as no

unmet need can be calculated without an EFC.

Once the FAFSA is complete, the student will receive a SAR (Student Aid Report).

Any student who has an Unusual Enrollment History (UEH) Code may be asked to provide additional documentation to resolve the UEH code.

o All UEH flags must be resolved before a student is eligible for Title IV funding.

The Academy will be sent an ISIR (Institutional Student Information Record) for all students who list The Academy School Code.

All Central Processing Systems selected ISIR verification and/or corrections must be completed prior to a student qualifying for aid.

o If the student is selected for verification, the student will receive The Academy verification policy and verification worksheet from the financial aid office.

o The Verification Worksheet must be completed and returned to the Financial Aid office within the specified timelines.

http://www.pin.ed.gov/



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o The student may also need to verify income through the IRS Data Retrieval System or by using an IRS Tax Transcript.

o If selected, this verification process must be completed before a student can receive Title IV aid.

o The verification process could result in a corrected ISIR and new EFC (Expected Family Income) that could affect the type of aid the student can qualify for (Subsidized / Unsubsidized) and the amount of an awarded Pell Grant.

The Primary EFC provided on the student’s ISIR will be used to calculate need and unmet need analysis through the Cost of Attendance Worksheet.

o This Primary EFC number corresponds with the number of months in the academic year in which the aid is being packaged.

o The Cost of Attendance Budget for each academic year includes the student’s Career Investment Costs per academic year.

These costs include tuition, applicable fees, textbooks and kit items (per the academic year in which the costs are incurred), allowances for room and board, personal expenses and transportation costs.

The Salon Professional Academy utilizes the information presented on the student’s ISIR, or corrected ISIR, if applicable, and the NSLDS (National Student Loan Data System) to determine the student’s eligibility and to calculate the student’s need or unmet need for each grade level.

This is done in compliance with the Cost of Attendance Budget grade level limits based on hours /weeks of scheduled attendance in the academic year.

Students desiring low interest Federal Direct Student Loans must complete a Master Promissory Note or E-MPN through the Direct Loan Consolidation process for all new applicants at www.studentloans.gov

o Students who desire a paper copy will be able to download and print a paper application from StudentLoans.gov for submission by U.S. mail.

Parents desiring to take out a Federal Direct Parent Plus Loan on behalf of their dependent daughter or son must complete a Parent Plus Loan application.

o If a parent of a dependent student refuses to put their personal information on the student’s FAFSA, the parent will not be eligible for a Direct Parent Plus Loan.

Students will need to accept or decline eligible aid through means of the Student Financial Aid Eligibility Statement.

o Aid is packaged by the Academic Year

Accepted aid will be listed on the student’s award letter.

Students must complete the Entrance Loan Counseling prior to the student receiving the first disbursement of federal loans.

o For Direct Loans, students may access Entrance Loan Counseling at www.studentloans.gov.

Students are required to notify The Academy Financial Aid Administrator if they receive any additional financial assistance before or after an award letter has been issued.

o If additional aid is received after the award letter has been provided, the FAA will refigure the student’s Cost of Attendance Worksheet to determine if there are any necessary changes to the student’s aid package.

o All applicable changes will be reported to the Third Party Servicer.





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Scholarships or other types of financial aid could be reported throughout the year. o If additional awarded aid causes the student to exceed the cost of attendance, it

may be necessary to reduce the amount of previously awarded aid.

The student and / or parent, if applicable, will be asked to sign an Affirmative Confirmation regarding their right(s) to cancel a loan.

When each student’s loan period has been completed, The Academy FAA will notify the Third Party Servicer of the ending date of each loan period in conjunction with the regulations outlined in the 150% Direct Loan rule.

ENTRANCE LOAN COUNSELING

All students applying for Title IV Aid must complete the Entrance Loan Counseling prior to the first disbursement of any Federal Direct Loans.

o Entrance Loan Counseling for Direct Loans can be found at www.studentloans.gov.

o The Academy collects the Entrance Loan Counseling sign off to be placed in the student’s admissions / financial aid file.

The Academy FAA discusses elements of the Title IV loan entrance counseling and any available consumer loan information with a student and / or parent(s) as they begin working with them privately, prior to the student’s class start date.

o The Academy will share the differences between these two types of loans, if applicable, and the interest rates charged for each type of loan.

Loan rights and responsibilities are discussed again during the financial aid review as part of the student’s financial aid orientation.

Elements of Entrance Loan Counseling/ Entrance Review include but may not be limited to:

Financial Aid Literacy

The seriousness and importance of the loan repayment obligation regardless of whether the borrower completes the program or is unable to obtain employment or otherwise dissatisfied or does not receive all the services the borrower purchased from The Academy

Obligation of the borrower to repay the full amount of any loans even if the student does not complete the program or secure employment

Deferment and Forbearance

Importance of keeping financial aid papers

Borrowers of Direct Unsubsidized Loans have the option to pay the interest while in school

Definition of half time enrollment status o Title IV aid consequences of falling below half time status, including how it

relates to SAP and over contract fees

150% Direct Loan rule and how it affects Subsidized loan eligibility.

Default and its consequences

How to use the MPN or E-MPN

Terms and Conditions and acceptance of the Federal loans-rights and responsibilities o Name and contact information of the loan servicer if the borrower has questions

concerning the terms and responsibilities




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Accrual and capitalization of interest

Information about the NSLDS and how the borrower can access their records

Sample monthly repayment amounts and the importance of not over borrowing o Repayment schedule on www.nslds.ed.gov

Repayment Estimator found at www.studentaid.ed.gov Average indebtedness of past graduates can be found on The Academy’s

website under Gainful Employment Disclosures

How accepting loan disbursements can affect the borrowers eligibility of other forms of student aid

Contact information for financial aid or loan questions including borrower’s rights and responsibilities and the terms and conditions of the loan

Importance of contacting appropriate offices if the student withdraws prior to completion of the program of study

Notification for change of name or address

Withdrawal from the program o How the withdrawal will affect the student o How the Refund Calculation is completed o Importance of contacting The Academy FAA of this decision

Inform the student they are obligated to complete Exit Loan Counseling at the end of their program

DISBURSING FEDERAL AID

Disbursements for the cosmetology program occur at: o Grade level 1: 30 days and 451 hours o Grade Level 2: 901 hours and 1351 hours.

Disbursements for the massage therapy program occur at: o Grade level 1: 30 days and 451 hours

A staff member not involved in packaging and / or awarding aid will disburse aid through The Academy financial aid office.

o At the time of disbursement, students will sign the Direct Loan / Pell Disbursement Sheet to acknowledge how aid is applied.

o The student’s Report Card for SAP (checkpoint / evaluation requirements) will be attached to the Direct Loan / Pell Disbursement Sheet for applicable disbursements and will need to be signed by the student to verify SAP requirements.

o The student’s first SAP checkpoint will be the midway point of the first Academic Year.

In order to be eligible for a disbursement, the student must be maintaining Satisfactory Academic Progress or be eligible to be placed on Financial Aid Warning or Financial Aid Probation.

Disbursement Credit Balance Refund Summary o Credit balances occur once all payment period’s tuition and fees have been paid. o A refund from a credit balance will be issued to the student unless the financial

aid authorization is signed.

http://www.nslds.ed.gov/

http://www.studentaid.ed.gov/



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When the student has been disbursed financial aid that exceeds his or her tuition and fees charged for the payment period a credit balance will result due to the excess.

The student can elect to receive the credit balance or elect to have The Academy hold a credit balance only if the student signs the Financial Aid Authorization section of the Direct Loan / Pell Disbursement Sheet.

o No credit balances will be carried over from one academic year to the next. o If there is a credit balance at the end of an academic year, the student will

receive a refund prior to the end of the academic year or will be given the option to pay back on the principal balance of their Direct Loan, unless the credit balance was the result of a Pell Grant.

In the case of a Pell Grant, any credit balance funds must be returned to the student.

o All credit balance refunds will be issued by check within 14 calendar days of the date on the disbursement roster unless the student gives written permission to hold the credit balance.

o A credit balance refund will be given to the parent if the amount of the Direct Plus Loan is greater than the student's tuition and fee charges for the payment period in which the disbursement occurred.

PRINCIPLES OF EXCELLENCE FOR EDUCATIONAL INSTITUTIONS SERVING SERVICE MEMBERS, VETERANS, SPOUSES, AND OTHER FAMILY MEMBERS

The “Shopping Sheet”, provided by DJA Financial Aid Services, Inc. will be given to all military related prospective students who are eligible to receive Federal military or veteran’s education benefits.

DEFERRMENT OF PREVIOUS LOANS

Students who are enrolled at least half time can apply for deferment of previous students loans while in attendance at The Salon Professional Academy.

A deferment form is available in the financial aid office of The Academy. OFFICIAL / UNOFFICIAL WITHDRAWAL PROCEDUES PRIOR TO GRADUATION

If the student initiates an early withdrawal or if it is determined that a student must discontinue her/his education at The Salon Professional Academy, the following steps must be taken:

o The student is encouraged to first consult with her/his team leader to discuss the reason for the withdrawal.

If the withdrawal is imminent and the student had an awarded Title IV aid package to fund their educational costs, The Academy FAA will calculate The Return to Title IV Funds (R2T4) worksheet to determine if any / all aid disbursed for the payment period in which the student withdrew is to be sent back to the Dept. of Education or if /and what percentage of disbursed aid can be retained.

o If the student’s aid package included Federal loans or grants, all or part of the Federal Aid, if already disbursed, could be required to be returned, based on the



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results of The Department of Education’s Return to Title IV Funds (R2T4) calculation.

o The Return to Title IV Funds (R2T4) Worksheet is based on the payment period the student was in when the official (or unofficial) withdrawal began.

o The R2T4 is based on class scheduled hours within this same payment period. o If the R2T4 calculation results in a post withdrawal disbursement, the post

withdrawal disbursement can only be requested or applied to a student’s ledger balance if the student had satisfactory progress at the time of the withdrawal.

Additionally, the student and /or parent, in the case of a Plus loan, must give written permission for the post withdrawal disbursement.

o Once the R2T4 calculation has been completed, the results may reflect an adjustment to the student’s ledger.

The Academy Refund Worksheet will be calculated once all elements resulting from the calculation of the R2T4 have been completed; taking into account any returned unearned Federal Aid.

The Academy Refund Worksheet is based on the entire program.

Based on results of both the R2T4 and The Academy Refund Policy, the student could incur a debt to The Academy for unpaid tuition or fees in addition to the obligation to repay Federal Stafford Loans / private loans.

Cash paying student: The Academy FAA will calculate the Academy Refund Worksheet to determine if the student owes The Academy for tuition and /or fees or if The Academy owes the student a refund.

For all students: If The Academy Refund Worksheet calculation indicates the student still owes tuition / fee debt, The Academy will issue an Official Transcript of Hours to students who withdraw prior to program completion when the student has successfully completed the required exit paperwork, attended an exit interview, and upheld payment arrangements as agreed upon by the Student and The Academy.

o If the calculation shows a refund is due to the student, the refund check will be issued to the student as soon as possible but no later than 30 days from the last date of attendance of the withdrawal from the program.

All students need to set up an appointment with the admissions/financial aid office to complete the exit interview.

o During the exit interview, the student’s file will be checked for inclusive documentation.

o Financial aid students who had Direct Loans packaged in their awarded aid must complete the Exit Loan Counseling on www.studentloans.gov

A withdrawal may result in the student owing The Salon Professional Academy tuition and / or fees.

If a student does not officially withdraw, the student will be dropped from the program when the student ceases to call in to report an absence and / or ceases to attend after 5 days have elapsed.

If an extenuating circumstance arises resulting in the student’s inability to attend the exit interview, an exit letter will be sent to the student outlining the results of the refund calculation(s) indicating:

o A link to the Direct Loan Exit Loan Counseling o The student’s responsibilities of repaying their student loan(s)




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o A sample repayment schedule o Direct Loan Servicing Center contact information for loan repayment (if

applicable) o Any contact information regarding the student’s private loan (if applicable) o The Academy will include in the exit letter all contact information for The

Academy Financial Aid Administer for any questions that may arise or for explanation of the exit letter.

Any student who expresses a desire to withdraw prior to graduation will be made aware of the possible consequences of withdrawing prior to completing the program.

o Students utilizing Title IV aid will begin repayment on Federal loans 6 months from their last date of attendance.

Interest for Subsidized loans begins once the student ceases attendance at The Academy.

o Students, who had Direct Loans and took a full 180-calendar day Leave of Absence (LOA) and did not return from the LOA, must be aware their Direct Loans will go into immediate loan repayment.

RETURN TO TITLE IV POLICY (R2T4)

The full Return to Title IV Funds Policy is available in the Financial Aid Office. o A paper copy is available upon request.

This Return to Title IV Funds Policy outlines all requirements for the Return of Title IV, HEA grant or loan aid when a student officially or unofficially withdraws before completion of the program.

Information regarding Title IV aid can be found at www.studentaid.ed.gov or can be directed to The Academy financial aid office at (701)-(478)-(1772) or The Federal Student Aid Information Center at 1-800-433-3243.

An example R2T4 calculation is as follows:




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ACADEMY REFUND POLICY

The Academy Refund Policy can be found in The Academy Admissions office or in The Academy Catalog.



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EXIT LOAN COUNSELING

The students who have taken out Federal Direct Subsidized or Unsubsidized Loans must complete the Exit Loan Counseling for Direct Loans at www.studentloans.gov

Students must also complete the Exit Interview process in The Academy financial aid office.

Students will make a personal appointment with the FAA to complete the process. Elements of Exit Loan Counseling/ Entrance Review include but may not be limited to:

Complete Exit Loan Counseling on line

Sample monthly repayment amounts o Repayment schedule on www.nslds.ed.gov

Repayment Estimator found at www.studentaid.ed.gov

Average anticipated monthly repayment amount o Interest Rates

Repayment plans for all repayment options

Options to prepay or pay on shorter schedule

Debt Management Strategies

Use of Master Promissory Note

The seriousness and importance of student’s repayment obligation

Terms and conditions for forgiveness or cancellation

Copy of information provided by the U.S. Department of Education

Terms and conditions for deferment or forbearance

Consequences of default

Options and consequences of loan consolidation

Tax benefits available to borrowers

The obligation of the borrower to repay the full amount of the loan regardless of whether the borrower completes program or completes within regular time for completion, is unable to obtain employment upon completion, or is otherwise dissatisfied with or did not receive the educational or other services the borrower purchased from The Academy

Availability of the Student Loan Ombudsman’s office

Information about NSLDS. The U.S. Department of Education is required to provide disclosure from for students and prospective students about the NSLDS

Academy contact information for questions regarding loan repayment

Borrower’s expected address after leaving school o Contact information for close relatives and friends o Contact information of employer, if known

Loan Consolidation SAMPLE OF STANDARD REPAYMENT SCHEDULE

This sample chart is intended for student loan repayment estimates only.

It is recommended to utilize your lender’s student loan online calculator to give you an accurate amount based on your specific borrowing situation.


http://www.nslds.ed.gov/




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Loan

Amount

# Of

Payments

(10 years)

Monthly

Payment

Total

Interest /

Repayment

@ 3.4%

Monthly

Payment

Total

Interest /

Repayment

@ 4.5%

Monthly

Payment

Total

Interest /

Repayment

@ 5.6%

Monthly

Payment

Total

Interest /

Repayment

@ 6.0%

Monthly

Payment

Total

Interest /

Repayment

@ 6.8%

$9500 120 $93.50 $1720/

$11,220

$98.46 $2315/

$11,815

$103.57 $2,928 /

$12,428

$105.47 $3,156 /

$12,656

$109.33 $3,620 /

$13,120

$11,500 120 $113.18 $2082/

$13,582

$119.18 $2802/

$14,302

$125.38 $3,546 /

$15,046

$127.67 $3,820 /

$15,320

$132.34 $4,381 /

$15,881

$13,500 120 $132.86 $2443

$15,943

$139.91 $3289/

$16,789

$147.18 $4,162 /

$17,662

$149.88 $4,486 /

$17,986

$155.36 $5,143 /

$18,643

$15,500 120 $152.55 $2806

$18,306

$160.64 $3777/

$19,277

$168.98 $4,778 /

$20,278

$172.08 $5,150 /

$20,650

$178.37 $5,904 /

$21,404

$17,500 120 $172.23 $3168

$20,668

$181.37 $4264/

$21,764

$190.79 $5,395 /

$22,895

$194.29 $5,815 /

$23,315

$201.39 $6,667 /

$24,167

$19,500 120 $191.92 $3530

$23,030

$202.09 $4751/

$24,251

$212.59 $5,395 /

$22,895

$216.49 $6,479 /

$25,979

$224.41 $7,429 /

$26,929

$21,500 120 $211.60 $3892

$25,392

$222.82 $5238/

$26,738

$234.67 $6,628 /

$28,128

$238.69 $7,143 /

$28,643

$247.42 $8,190 /

$29,690

CONSTITUTION DAY

Constitution Day will be held on September 17 of each year, if it falls on a scheduled school day, commemorating the September 17, 1787 signing of the Constitution.

If the 17th falls on a weekend or holiday, Constitution Day will be held during the preceding or following week.

No Federal funds will be used to commemorate this event.

The Director will prepare the Constitution Day information for presentation to the student body and staff.

COPYRIGHT INFRINGEMENT POLICY

Unauthorized distribution of copyrighted material, including unauthorized peer- to-peer sharing, and the use of The Salon Professional Academy information and its technology systems will subject students to Academy disciplinary actions and may subject students to civil and criminal liabilities and penalties of Federal copyright laws.

A student may be terminated from The Academy for the following reasons: o On an authorized Academy computer without permission o Tampering or disabling an Academy computer o Removing information from an Academy computer by print or illegally

downloading o Moving or deleting information from an Academy computer o On an Academy computer unattended o Unauthorized use of an Academy computer that is not accessible to students o Unauthorized peer-to-peer file sharing o Unauthorized distribution of copyrighted materials in any form using The

Academy’s information technology system



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Students may have limited access to the following Academy computers, however students may not log into the following Academy computers without authorization from an Academy owner / director / educator.

o Student Salon Area Front Desk Appointment Book o Student Salon Area Booking Station o Student Library

The student must be under the supervision of a licensed educator or an Academy staff member at all times while using the Academy computer.

Students do not have access to the following Academy computers: o Admissions o Educators o Financial Aid Office

A student may complete their FAFSA/ E-MPN / Entrance Counseling / Exit Counseling on line only when in the presence of the financial aid administrator

o Owner(s)

An Employee may be subject to termination from The Academy for the following reasons:

o Unauthorized use of Academy copyrighted material o Tampering or disabling an Academy computer o Removing information from an Academy computer by print or illegally

downloading o Moving or deleting information from an Academy computer o Distributing Academy copyrighted material in any form with unauthorized persons

or companies

In addition, a student or employee may be subject to criminal penalties resulting from prosecution.

This above-mentioned list is not all-inclusive and the student and employee needs to be aware of possible severe sanctions if found to be violating the copyright policies.

Copyright infringement is the act of pursuing, without Academy permission or legal authority, one or more of the exclusive rights granted to the copyright owner under section 106 of the Copyright Act (Title 17 of the United States Code).

These rights include the right to reproduce or distribute any copyrighted work.

In the file-sharing context, downloading or uploading substantial parts of a copyrighted work without authority constitutes an infringement.

An alternative to copyright infringement is to purchase information legally.

Penalties for copyright infringement include civil and criminal penalties.

In general, anyone found liable for civil copyright infringement may be ordered to pay either actual damage of “statutory” damages affixed at not less than $750 and not more than $30,000 per work infringement.

For “willful” infringement, a court may award up to $150,000 per work infringed.

A court can, in its discretion, also assess costs and attorney’s fees. o For details, see Title 17, United States Code, Section 504,505.

Willful copyright infringement can also result in criminal penalties, including imprisonment of up to five years and fines of up to $250,000 per offense.



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For more information please see the Web site of the U.S. Copyright office at www.copyright.gov

DRUG CONVICTIONS Student Eligibility

The Anti-Drug Abuse Act of 1988 includes provisions that authorize Federal and state judges to deny certain Federal benefits, including Title IV aid, to persons convicted of selling or possessing illegal drugs.

For the purposes of this policy, a conviction means only a conviction that is on a student’s record. A conviction that was reversed, set aside, or removed from the student’s record is not relevant for the purposes of this policy, nor is a determination or adjudication arising out of a juvenile proceeding.

For the purposes of this policy, an illegal drug is a controlled substance as defined by section 102(6) of the Controlled Substances Act (21 U.S.C. 801(6)), and does not include alcohol or tobacco.

A student is ineligible to receive Title IV, HEA program funds (for the period described in the below Drug Offenses chart) if the student has been convicted of an offense under any Federal or State law involving the possession or sale of illegal drugs for conduct that occurred during a period of enrollment for which the student was receiving Title IV, HEA program funds.

o However, the student may regain eligibility before that time period expires under the following conditions:

If the student successfully completes a drug rehabilitation program including, at least two unannounced drug tests given by such a program and has received or is qualified to receive funds directly or indirectly under a Federal, State, or local government program as referenced in CFR 668.40 (d) (2) (ii, iii and iv).

o Students denied eligibility for an indefinite period can regain eligibility after completing any of the following three options:

Having the conviction reversed, set aside, or removed from the student’s record so that fewer than two convictions for sale or three convictions for possession remain on the record;

Successfully completing an approved rehabilitation program which includes passing two unannounced drug tests from such a program; or

Completing two unannounced drug tests, which are part of an approved rehab program (the student does not need to complete the rest of the program).

o In such cases, the nature and dates of the remaining convictions will determine when the student regains eligibility.

o It is the student’s responsibility to certify to you that she / he has successfully completed the rehabilitation program.

Students must fulfill the CFR 668.40 “Conviction for Possession or Sale of Illegal Drugs” to be eligible for Title IV aid.

All students self-certify by completing the FAFSA drug conviction question that he or she is eligible.

http://www.copyright.gov/



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If the student was convicted of both selling and possessing illegal drugs for which the periods of ineligibility are different, the student will be ineligible for a longer length of time.

If a student becomes ineligible for a loan or grant, The Academy will provide a timely written notice in a clear manner to any student who becomes ineligible for Title IV aid due to a drug conviction and the manner whereby the student can regain eligibility.

DRUG OFFENSES RELATED TO TITLE IV AID

Possession of illegal drugs Sale of illegal drugs

1st Offense 1 year after date of conviction 2 years after date of conviction

2nd Offense 2 years after date of second conviction Indefinite period after 2nd Offense

3rd plus Offense Indefinite period after the date of the third conviction Indefinite period

The student can gain eligibility the day after the period of ineligibility ends or when the student has successfully completed a drug rehabilitation program.

If the student has further drug convictions, the student will become ineligible again.

The nature and dates of the remaining convictions will determine when the student can regain eligibility.

If The Academy receives conflicting documentation, The Academy will confirm reported information.

When the student regains eligibility, the student may be awarded Pell for the payment period of the award year the student is currently enrolled in.

o The student will be eligible for Stafford loans for the period of enrollment. STANDARDS FOR QUALIFIED DRUG REHABILITATION PROGRAM

Must include two unannounced drug tests and must satisfy one of the following: o Be qualified to receive funds from Federal, state, or local government programs o Be qualified to receive funds a from Federal or state licensed insurance company

The program must be administered or recognized by a Federal, state, or local government agency, licensed hospital, health clinic or medical doctor.

The above rehabilitation requirements will be shared with a student who needs to enter a drug rehabilitation program.

If The Academy has any doubt that the drug rehabilitation program does not meet these requirements, The Academy will confirm qualifications of the program prior to disbursing Title IV aid.

FEDERAL DRUG TRAFFICKING PENALTIES

The Federal Drug Trafficking Penalties can be found in the Student Handbook.

Substance abuse counseling is mandatory for substance abuse violators in addition to the Federal sanctions.

A student found in violation of this policy will be required to undergo a substance abuse evaluation and attend all education or treatment programs recommended as a result of the evaluation.

The student must complete the recommended program(s) to continue in the education process at The Academy.



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If inpatient treatment is required the student may be encouraged to take a leave of absence until the treatment is completed.

DRUG AND ALCOHOL ABUSE PREVENTION

The Salon Professional Academy prohibits the unlawful possession, use or distribution of illicit drugs and alcohol by students and staff on the property or as part of any Academy activities.

The Academy will immediately contact law enforcement officials to report all unlawful activities.

The health risks of the use of illicit drugs and alcohol abuse require providing education and referral for students and staff.

o Health risks associated with the use of illicit drugs and the abuse of alcohol include:

impaired mental and physical health neurological disease/damage memory and intellectual performance interference mental and physical depression uncontrollable violence impulsive behavior convulsive seizures homicide suicide cardiac disease or damage, cardiovascular collapse or heart failure gastrointestinal disease or damage ulcers or erosive gastritis anemia liver and pancreatic disease, liver failure or pancreatitis deteriorating relationships death

The Academy provides education and distribution of materials annually and refers students and staff to local services.

o Any student who enrolls after the annual distribution will receive this information during orientation.

o Any staff member hired after the annual distribution will receive this information as part of their new employee information.

The Academy adheres to all state, Federal laws and judicial rulings.

Area drug abuse information, counseling, referral and treatment and rehabilitation centers information is made available to students or staff members.

A listing of area agencies can be found in the education office. DRUG FREE CAMPUS The Salon Professional Academy reviews its Drug-Free Academy Biennial Review Policy every two years and includes the effectiveness of sanctions imposed.

o If necessary changes are identified, they will be shared during a staff meeting and implemented by informing students in writing of the recent necessary Alcohol and Other Drug Abuse and Violence Prevention changes.



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The Academy will impose sanctions for violation of standards of conduct. o The Academy will terminate any student or staff involved in unlawful possession,

use or distribution of illicit drugs and alcohol on Academy premises. o The Academy will refer such cases to the proper authorities for prosecution. o A student or staff may be reinstated upon completion of an appropriate drug

rehabilitation program.

In some cases, conviction of drug-related offenses could result in the student’s ineligibility of Title IV funding or other forms of financial assistance.

If an arrest for drug or alcohol related incidences occurs off site, the student/staff is required to inform The Academy so The Academy can assist with providing resources to aid the student/staff member.

As a condition of employment, employees must notify The Academy of any criminal drug statute conviction for a violation occurring in the workplace not later than five days after such conviction.

Academy policy supports and enforces state underage drinking and illicit drug laws.

The Academy will make available, upon request, to the U. S. Department of Education and to the public, information distributed to students and staff regarding the results of the biennial review of The Academy’s program that:

o determines the effectiveness of the program and implements needed changes; o determines the number of drug and alcohol-related violations and fatalities that

occur on The Academy property or as part of The Academy’s school related activities and are presorted to Academy officials;

o determines the number and type of sanctions that are imposed and; o ensures that sanctions are consistently enforced.

All students receive the results of the biennial review during a monthly jump celebration. o To ensure all students will receive a copy, students who are absent on the day of

jump celebration will be handed a copy by their team coach upon the student’s return.

Team coaches will take an attendance role call during this jump celebration to determine missing students.

The Biennial Review is given to all staff, biennially, during a staff meeting. o Absent staff members will be given a copy upon their return. o If new staff joins after the biennial distribution, all drug related material will be

given as part of the new hire program. FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT

The Family Educational Rights and Privacy Act (FERPA) (20 U.S.C. І 1232g; 34 CFR Part 99) is a Federal law that protects the privacy of student education records.

All students attending The Academy have the right to review their education records.

A student should submit a written request to inspect their file to the admissions office. o The Admissions Director will make arrangements for access and notify the

student of the time and place where their records may be inspected.

FERPA gives parents certain rights with respect to their children's education records. o These rights transfer to the student when he or she reaches the age of 18 or

attends a school beyond the high school level.



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o Students to whom the rights have transferred are "eligible students." o If a parent or eligible student so request, The Academy will provide her / him with

a copy of the records disclosed, and if the parent of a student who is not an eligible student so request, The Academy will provide the student with a copy of the records disclosed.

Parents / guardians of a dependent minor or eligible student have the right to inspect and review the student's education records maintained by the school and will be provided within 45 days following the receipt of request.

o Copies of records will be provided upon confirmation of reasons such as where great distance makes it is impossible for parents or eligible students to review the records.

o The Academy may charge a nominal fee for copies.

Parents or eligible students have the right to request that The Academy amend the records which they believe to be inaccurate, misleading or in violation of the student’s privacy under FERPA.

o The request must be in writing and must clearly identify what they want changed or amended and give specifics as to why they feel it is inaccurate, misleading or in violation of FERPA privacy rights.

o The right to request an amendment is not provided to question fundamental judgments that are correctly recorded.

o If The Academy decides not to amend the record, the parent or eligible student will be informed and advise the student to their right to a formal hearing.

o Additional information regarding the hearing will be given to the student once the request for a formal hearing has been requested in writing.

o After the hearing, if The Academy still decides not to amend the record, the parent or eligible student has the right to place a statement with the record setting forth his or her view about the contested information.

FERPA is intended to require only that schools conform to fair recordkeeping practices and not to override the accepted standards and procedures for making academic assessments, disciplinary rulings, or placement determinations.

Generally, schools must have written permission from the parent or eligible student in order to release any information from a student's education record.

o However, The Academy may disclose those records, without consent, to the following parties or under the following conditions (34 CFR І 99.31):

o School officials with legitimate educational interest; A school official is defined as one who generally has a legitimate

educational interest if the official needs to review an education record in order to fulfill his or her professional responsibility.

Examples would be parties such as but may not be limited to: educators, administrators, attorneys, and counselors, members of committees or disciplinary boards.

o A legitimate educational interest is defined as a genuine desire to aid the student in a successful scholastic outcome.

o Other schools to which a student is transferring; o Specified officials for audit or evaluation purposes;



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o Appropriate parties with a connection to the financial aid of a student and related to conditions to receive the aid and to enforce the terms and conditions of the aid;

o Organizations conducting certain studies for or on behalf of the school; o Accrediting organizations; o To comply with a judicial order or lawfully issued subpoena; o Appropriate officials in cases of health and safety emergencies; and State and

local authorities, within a juvenile justice system, pursuant to specific State law. o If Department of Education officials request student records as a part of the

program review, The Academy must document in each student’s file that their records were disclosed to representatives of the Department utilizing the following statement:

“These financial aid records were disclosed to representatives of the U.S. Department of Education, School Participation Team, Region __, on (Month/Day/Year) to determine compliance with financial aid requirements, under 34 CFR Part 99.31(a)(4).”

The Academy will maintain a record in the student’s file listing to whom personally identifiable information was disclosed and the legitimate reason the parties had in obtaining the information.

o The “Authorization to Release Information” form will be filled out, signed and dated by the student and placed in the student’s file to fulfill this requirement.

o This above statement does not apply to “school officials with a legitimate educational interest or to directory information”.

o The Authorization to Release Information can be provided by written electronic consent, if the student is not able to sign this form in person.

The Academy will identify and authenticate a particular person as the source of the electronic consent to indicate such person’s approval of the information contained in the electronic consent is accurate.

The Academy may disclose, without consent, "directory" information such as a student's name, address, telephone number, date and place of birth, honors and awards and dates of attendance.

o However, The Academy will notify parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them.

o The Academy notifies eligible parents and students annually of their rights under FERPA.

o The actual means of notification will be provided through the Annual Notice.

In many situations, complaints relative to FERPA can be resolved within The Academy. o If a situation is not resolved within The Academy, to file a FERPA complaint with

the U.S. Department of Education, contact: Family Policy Compliance Office U.S. Department of Education 400 Maryland Avenue, SW Washington, DC, 20202



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SAFE GUARDING CONSUMER INFORMATION-IDENTITY THEFT PREVENTION The Academy has developed and implemented programs to reduce the risk of identity theft. The “Red Flag Rules”, as they are called, require financial institutions and creditors and educational facilities to develop and implement written programs designed to detect, prevent, and mitigate identity theft. Definitions and Explanations

Creditor - Obtains or uses consumer reports, directly or indirectly in connection with a credit transaction and furnishes information to consumer reporting agencies, as described in section 623 in connection with a credit transaction.

Covered Accounts - Refers to accounts maintained primarily for business, personal, family or household purposes designed to permit multiple payments or transactions; any other account posing a reasonably foreseeable risk to customers from identity theft.

Red Flag - Refers to a pattern, practice or specific activity that indicates the possible existence of identity theft.

Customer - Refers to anyone doing business on a regular basis with a school (i.e. students, parents, tribes, etc.)

RED FLAGS The following red flags are potential indicators of fraud. Any time a red flag is apparent, it will be investigated for verification.

Suspicious Documents o Documents provided for identification that appears to have been altered or

forged. o The photograph or physical description on the identification is not consistent with

the appearance of the applicant or customer presenting information. o An application appears to have been altered, forged or gives the appearance of

having been destroyed and reassembled. o Other information on the identification is not consistent with readily accessible

information that is on file within The Academy. o Other information on the identification is not consistent with information provided

by the person opening a covered account or customer presenting identification.

Suspicious Personal Identifying Information o The address provided does not match any address on file within The Academy

for that particular customer. o The Social Security number has not been issued or is listed on the Social

Security Administration’s Death Master File. o The Social Security number provided is the same as that submitted by other

persons opening an account or other customer. o The customer or the person opening the covered account fails to provide all

required personal identifying information on an application or response to notification that the application is incomplete.

o The personal identifying information provided is not consistent with personal identifying information that is on file within The Academy.



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Suspicious Activity Related to Covered Account o Mail sent to the customer is returned repeatedly as undeliverable although

transactions continue to be conducted in connection with the customer’s covered account

o The Academy is notified that the customer is not receiving paper account statements.

o The Academy is notified of unauthorized charges or transactions in connection with a customer’s covered account.

o The Academy receives notice from customers, victims of identity theft, a law enforcement authority, or other persons regarding possible identity theft in connection with covered accounts held by The Academy.

Periodic Updates To Plan

At periodic intervals established in the program, or as required, the program will be re-evaluated to determine whether all aspects of the program are up to date and applicable in the current business environment.

Periodic reviews will include assessment of which accounts are covered by the program. o As part of the review, red flags may be revised, replaced or eliminated.

Actions to take in the event that fraudulent activity is discovered may also require revision to reduce damage to The Academy and its customers.

Identity Theft Protection

The Academy has implemented measures to insure all consumer private information is safeguarded.

Sarah Lundblad (Director) is The Academy’s designated employee to coordinate its information security program.

Personally Identifiable Information (PII) is defined as information that can be used to distinguish or trace an individual’s identity, either alone or when combined with other personal or identifying information that is linked to a specific individual.

o This PII refers to all nonpublic personal information in The Academy’s possession and to customers of other financial institutions that have provided such information to The Academy.

The Academy has established and maintains a comprehensive information security program.

This program incudes administrative, technical or physical safeguards The Academy uses to collect, distribute, process, protect, store, use, transmit, dispose of, or otherwise handle PII information.

o All Academy computers are password protected. o Student’s PII is confined to the admission and /or financial aid offices of The

Academy. o Student’s financial aid information is confined to the financial aid office and the

responsibility of the FAA to remain secure. Locking drawers, file cabinets and doors to the offices safeguard the

student’s personal file information when staff personnel are not present. o Staff PII is contained under lock and key within the Director’s office. o ISIR’s are only located in the financial aid office.

Admissions Reps will gain prospect student name and phone number only for ability to follow up with the lead.



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o All private information is shredded when no longer needed. o Financial aid information is transmitted to the third party servicer by means of an

encrypted method called “WinZip”. o Computers contain anti-virus software. o When someone enters a room where PII is exposed, papers containing such

information will be turned over during the exchange of conversation. o Personally owned devices such as laptops, USB flash drives or external hard

drives are not permitted on Academy premises. o Laptops, external hard drives and USB flash drives containing PII are not allowed

to leave the building. o Paper files containing PII are not permitted to leave the building. o Paper copies must be in control of an authorized person or contained in a locked

filing cabinet / drawer at all times. o Hard copies containing PII are never left unattended or unsecured. o Emails containing PII will be password protected. o Papers containing PII will not be left on the copy machine. o In the event of replacement of the copy machine, the internal hard drive of the

said copy machine will be destroyed.

These above safeguards are meant to retain the PII security information and confidentiality of the students and staff members.

o These safeguards are intended to aid in protection against any unauthorized access, anticipated threats to security or the integrity of this information.

The risk assessment program outlined below is the responsibility of all staff members. o The Academy takes reasonable precautions when selecting educators and

administrative staff and support staff. o Staff is updated (at a minimum on a yearly basis) during a staff meeting

regarding the internal and external risks to the security of the consumer’s personal identity.

How to detect, prevent and respond. o All staff is reminded to follow above outlined precautions when handling any

consumer (student or student salon area guest) information. o New employees are educated on The Academy’s Identity Theft Prevention plan. o Spot checks are completed by owners to insure all precautions are being

followed. o The owners and staff will evaluate the result of the spot check and develop and

implement any adjustments that are necessary to insure the identity protection of all staff, students and salon area guests.

o The Academy employs DJA Financial Aid Services, Inc. as third party servicer. o Amy Mayer, FAA, insures that all student financial aid records are kept secure. o Lisa Christianson, Admissions Rep insures that all student and prospective

student admissions records are kept secure. o Sarah Lundblad, Director, is responsible for all staff education concerning

safeguarding consumer information.



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WHISTLEBLOWER PROTECTION AND ANTI RETALIATION POLICY

This policy is intended to encourage The Salon Professional Academy staff members and others to report suspected or actual occurrence(s) of illegal, unethical or inappropriate events (behaviors or practices) without retribution with respect to the implementation of any provision of the “Clery Act”.

The Whistle blower shall receive no retaliation or retribution for a report that was provided in good faith – that was not done primarily with malice to damage another or the organization.

The Whistleblower should promptly report the suspected or actual event to his/her Supervisor.

If the Whistleblower would be uncomfortable or otherwise reluctant to report to his/her

Supervisor, the Whistleblower can report the event to the next highest or another level of management.

The Whistleblower can report the event with his/her identity or anonymously by means of written communication.

A Whistleblower who makes a report that is not done in good faith is subject to discipline, including termination of the employee relationship, or other legal means to protect the reputation of The Academy owners and staff members.

Anyone who retaliates against the Whistleblower (who reported an event in good faith) will be subject to discipline, including termination of employee status.

Crimes against person or property, such as assault, rape, burglary, etc., should immediately be reported to local law enforcement personnel.

Supervisors, managers and/or owners who receive the reports must promptly act to investigate and/or resolve the issue.

The Whistleblower shall receive a report within ten business days of the initial report, regarding the investigation, disposition or resolution of the issue.

If the investigation of a report, that was done in good faith and investigated by internal personnel, is not to the Whistleblower’s satisfaction, then he/she has the right to report the event to the appropriate legal or investigative agency.

The identity of the Whistleblower, if known, shall remain confidential to those persons directly involved in applying this policy, unless the issue requires investigation by law enforcement, in which case members of the organization are subject to subpoena.

MISREPRESENTATION POLICY OF TRUTH AND CANDOR

The Salon Professional Academy is committed to maintaining the highest standard of integrity in every aspect of its operations and to assuring complete transparency, candor and accuracy in all of its communications with students, accrediting agencies and the public.

o The Salon Professional Academy Franchise is “Recognized by Redken for Excellence in Education” and has legal permission from L’Oreal USA to use this in all forms of advertising.

o The Academy is privately owned and operated. o Redken has no ownership in The Academy. o The Academy is not connected with any organization or employment agency

providing training leading to direct employment.



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The Academy is further committed to using procedures and practices aimed at eliminating inadvertent errors in communications with students and the public.

Achieving these goals is critical to The Academy’s mission to provide high quality education and services.

It is The Academy’s policy that its staff, administration and all other representatives must be committed to transparency, candor and accuracy in all of their communications and must specifically strive to avoid errors or omissions in certain areas described in more detail below.

The Academy will not withhold disclosures regarding qualifying state requirements needed to obtain a state license including but not limited to a prior criminal record or a pre-existing medical condition(s).

The Academy’s policy of Truth and Candor is as follows:

The integrity of The Academy and its reputation as a quality institution are of the utmost importance. The Academy staff, enrolled students and vendors shall not misrepresent the institution or make false, erroneous or misleading statements concerning:

o The Academy itself or the conduct of its business o Transfer of credits and / or conditions under which The Academy will accept

transfer credits. o Completion of the program, not limited to but including acceptance to a labor

union, requirements to complete a course of study and application to take a state-licensing exam or to secure employment.

o The prerequisites established for enrollment in any program. o Scholarships provided to enrolled students. o The circumstances that would constitute grounds for termination of enrollment. o Testimonials or endorsements from industry manufacturers, vendors, high school

counselors, employers, students or former students, educational organizations, employment agencies, members of a particular industry or governmental officials for governmental employment.

o The size, location, age or type of the equipment or facilities of The Academy. o The availability or frequency of any programs. o The employment objectives the program is designed to meet. o The Academy staff, including but not limited to: number of staff, qualifications,

including staff training experience, and availability of staff. o The availability of Academy supplementary assistance, including but not limited

to: tutorial or specialized instruction, part-time employment or any other form of financial assistance, including consumer or Federal student loans or grants and the ongoing placement assistance offered by The Academy.

o The content contained in any / all program(s) of study. o Any other requirements generally needed to be engaged in the field for which the

training is provided. o Any facts related to the diploma awarded upon the successful completion of the

program of study. o Approved authorization of state licensing, authorization by the appropriate State

educational agency to approve post-secondary education or accreditation agencies.



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o Financial aid information disclosed in e-CFR 668.42 including but not limited to: student eligibility requirements, need and non-need based programs, the availability of Federal, state, local, private or institutional student aid programs, the student’s right to refuse any particular type of financial assistance, the student’s responsibilities to repay any loans, regardless of whether or not the student completes the program of study, the rights and responsibilities of students receiving financial aid, the criteria for continued eligibility for each program in the financial aid package. The Academy’s satisfactory academic progress (SAP) policy, the terms and conditions of student aid, disbursement methods and frequency and the terms of education loans.

o Customary Academy information, including but not limited to cost of attendance information (including tuition and fees, books and supplies, kit charges, room and board, and transportation) and The Academy’s refund policy.

o Employability of graduates, including The Academy’s relationship with any organization or business.

o Whether The Academy is offering employment. o The Academy’s knowledge about the current or likely future conditions,

compensation, or employment opportunities in the industry or occupation for which the student is being prepared.

o The Academy’s Truth and Candor Policy requires not just avoiding misrepresentations, but affirmatively providing full disclosure, including being transparent with prospective students

o Approaching prospective students with full candor and honesty o Providing complete, accurate information concerning placement assistance and

the current employment conditions, compensations or job opportunities available to Academy graduates.

o Approval or endorsement by the United States Department of Education concerning the quality of The Academy educational program.

Statements are not just made over the phone. “Statements” include chat sessions, posts on social networking sites, etc. Statements can be made in writing, visually, orally or through other means.

The Academy’s policy of Truth and Candor applies to: o All Academy staff

Enrolled students and former students acting on behalf of The Academy or who were encouraged by The Academy to recruit students or otherwise speak about The Academy to others.

Vendors and institutional partners that provide any part of an academic program, or that provide marketing, advertising, and recruiting or admissions services.

Failure to follow this policy can result in severe repercussions to The Academy including:

Revocation of the Academy’s eligibility to participate in Title IV programs.

Imposing limitations on The Academy’s participation in the Title IV programs.

Initiation of a fine, limitation, suspension or termination proceeding against The Academy.

Repercussions to employees from failure to comply with The Academy’s Truth and Candor Policy may include but is not limited to:

An inquiry into the cause of any truth and candor compromise will be conducted



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Based on findings a possible suspension or termination of employment

Possible pursuant of legal action taken against parties involved Repercussions to vendors from failure to comply with The Academy’s Truth and Candor Policy may include but is not limited to:

An inquiry into the cause of any truth and candor compromise will be conducted

Based on findings a possible loss of contract renewal or business relationship

Possible pursuant of legal action taken against parties involved GAINFUL EMPLOYMENT (GE)

Graduation, Licensure and Placement Rates, and Median Loan debt o Graduation, Licensure and Placement Rates can be found in The Academy

admissions office.

The on-time completions, normal time to complete, tuition and fees, books and kit costs, placement rates and median loan debt can be found on The Academy website at www.tspafargo.com

Name of GE Program CIP Code O*Net Website link Cosmetology 12.0401 http://www.onetonline.org/link/summary/39-

5012.00 Massage Therapy 51.3501 http://www.onetonline.org/link/summary/31-

9011.00

http://www.tspafargo.com/