财政援助行为准则

目的

适用性

定义

1. 利益冲突

   当雇员的经济利益或其他个人利益的机会可能妥协时，就存在利益冲突, 或者合理地表现出妥协, the independence of judgment with which the employee performs their responsibilities at the University.

2. 礼物

   任何小费, 忙, 折扣, 娱乐, 热情好客, 贷款, or other item having monetary value of more than a de minimus amount. 这个词包括服务的礼物, 运输, 住宿, 或者吃饭, 是否以实物提供, 通过购买门票, 预付款, or reimbursement after the expense has been incurred. The term “gift” does not include any of the following:

   1. 标准材料, 活动, or programs on issues related to a 贷款, 默认的厌恶, 默认的预防, or financial literacy such as brochures, 一个车间, 或培训.
   2. 提供给大学的培训或信息材料，作为培训课程的组成部分，旨在改善贷款人的服务, 担保人, or 服务机构 of educational 贷款s to the University, if such training contributes to the professional development of the University’s employees.
   3. 有利的条件, 条件, 及为受大学聘用的学生提供的教育贷款的借款人利益(如有上述条款), 条件, 或福利与提供给大学所有学生的福利相当，而不是因为学生受雇于大学而提供的.
   4. 为借款人提供入学和离校咨询服务，以履行联邦法律规定的大学入学和离校咨询的责任, so long as the University’s employees are in control of the counseling, 和 such counseling does not promote the products or services of any specific lender.
   5. Philanthropic contributions to an institution from a lender, 服务机构, (三)与教育贷款无关的教育贷款担保人或者出借人的出资, 服务机构, or 担保人 that is not made in exchange for any advantage related to education 贷款s.
   6. State education grants, scholarships, or financial aid funds administered by or on behalf of a state.

3. 机会池贷款

   由出借人向在大学就读的学生或该学生的家庭成员提供的私人教育贷款，由大学直接或间接支付点数, 保费, 额外的利益, 或向贷款人提供经济支持，以便贷款人向学生或家庭提供信贷.

4. 收入分成协议

   大学与贷款机构之间的安排，根据该安排(a)贷款机构向在大学就读的学生或其家庭提供或发放贷款, 和 (b) the University recommends the lender or the 贷款 products of the lender, 作为交换, the lender pays a fee or provides other material benefits, 包括收入或利润分成, 给大学或其雇员.

Institutional Policy Regarding Education Loans 和 Student 金融援助

1. 收入分成协议

   The University will not enter into any revenue-sharing arrangement with any lender.

2. 与借款人互动

   When participating in the Federal Direct Loan 程序, the University may assign a first-time borrower’s federal 贷款 to the Federal Government as the lender. Under no circumstances will the University assign a student’s private student 贷款 to a particular lender, 不得因借款人选择贷款人或担保机构而拒绝或延迟办理民间贷款的认证.

3. 私人贷款

   大学不会要求或接受任何贷款人提供的资金用于私人教育贷款(根据联邦贷款真相法的定义)。, including funds for an opportunity pool 贷款, 以换取大学在向贷款人提供任何优先贷款人安排方面作出让步或承诺.

4. 联合品牌

   大学将不允许私人教育贷款人(根据联邦贷款真相法案的定义)使用大学的名称, 会徽, 标志, 或者换句话说, 图片, 或与大学有关的符号，以暗示贷款人对私人教育贷款的认可.

5. 人员协助

   大学不会要求或接受任何贷款人在呼叫中心人员配置或财务援助办公室人员配置方面的任何帮助. 这部分没有内容, 然而, 阻止大学接受与(a)员工专业发展培训有关的贷款机构的援助, (b) providing educational counseling materials, 金融知识材料, or debt management materials to borrowers, 前提是这些材料向借款人披露了协助准备或提供这些材料的任何贷款人的身份, or (c) staffing services on a short-term, nonrecurring basis to assist the University with financial aid-related functions during emergencies, including State-declared or federally declared natural disasters, federally declared national disasters, 和 other localized disasters 和 emergencies identified by the Secretary of Education.

员工行为准则

1. 利益冲突

   1. 任何员工都不得在其负责的任何教育贷款或其他学生经济援助方面存在利益冲突.
   2. 任何雇员不得处理与自己或亲属的个人经济援助资格有关的任何交易. 就本政策而言, a “relative” is defined as an individual with whom an employee has a relationship by blood, 婚姻, 采用, 国内合作伙伴, or other personal relationship in which objectivity may be impaired.

2. 礼物

   No employee may accept any gift from a lender, 服务机构, or 担保人 of education 贷款s. 如果送给员工的礼物是在员工知情和默许的情况下赠送的，并且员工有理由相信该礼物是由于该员工在大学的职位而赠送的，则该礼物应被视为送给员工的礼物.

3. 禁止的合约安排

   No employee shall accept from any lender or lender affiliate any fee, 付款, 或其他经济利益(包括购买股票的机会)，作为向贷方或代表贷方提供与教育贷款有关的任何类型的咨询安排或其他合同的补偿.

4. 顾问委员会薪酬

   No employee who serves on an advisory board, 委员会, 或由出借人成立的集团, 担保人, or group of lenders or 担保人s may receive anything of value from the lender, 担保人, or group of 担保人s in return for that service. The employee may be reimbursed for reasonable expenses incurred in serving on such boards, 佣金, 或组.

违反政策

Violations of this policy may result in disciplinary action up to 和 including termination.