金融援助

教育贷款行为准则

介绍

The Higher Education Opportunity Act (HEOA) requires educational institutions that participate in federal Title IV programs to publish a code of conduct regarding educational loans [HEOA § 487(a)(25) and 487(e)]. This code of conduct applies to all New River Community College employees, 学院的官员和代理人, including without limitation individuals who are employed in the financial aid office or who otherwise have responsibilities with respect to education loans. This code of conduct reflects New River Community College’s commitment to conducting financial aid practices with integrity, 为了学生的利益, 并遵守适用的法律.

Ban on Actions that Limit a Borrower’s Choice of Lending Institutions

New River Community College shall not assign through award packaging or other methods, the borrower’s private loan to a particular lender or refuse to certify, 或者延迟认证, of any loan based on the borrower’s selection of a lending institution.

禁止机会贷款

New River Community College shall not arrange with a lending institution to provide funds for private education loans, 包括机会池贷款的资金, to students in exchange for the institution providing concessions or promises to the lender. 为本代码的目的, an opportunity loan agreement is an arrangement whereby a lending institution agrees to make loans up to a specified aggregate amount to students with poor or no credit history, or to international students whom the lending institution claims would not otherwise be eligible for its loan programs, in exchange for concessions or promises by New River Community College that may prejudice other borrowers.

The College also may not accept or solicit any funds to be used for private educational loans or opportunity pool loans in exchange for providing a lending institution with a specified loan volume or a preferred lender arrangement.

Prohibition on Revenue Sharing with Lending Institutions and on Solicitation or Acceptance of Remuneration or Assistance from a Lending Institution

New River Community College prohibits any revenue-sharing or contracting arrangement with any lending institution or affiliate of a lender. Revenue sharing or contracting is any arrangement by which a lender pays the College a percentage of the principal loan taken by a borrower or otherwise compensates the College as a result of a borrower taking a loan.

New River Community College may not accept or solicit anything of value from any lending institution related to its education loan activity. 这一禁令应包括, 但不限于, (i) revenue sharing by a lending institution with the institution, (ii) the institution’s receipt from any lending institution of any computer hardware for which the College pays below-market prices and (iii) printing costs or services.

New River Community College also may not accept or solicit staffing assistance from a lending institution, including but not limited to call center staffing or financial aid office staffing. The institution shall ensure that it does not identify any employee or other agent of a lending institution to students or prospective students of the College or their parents as an employee or agent of the institution.

Prohibition on Stock Ownership in Lending Institutions by Financial Aid Employees

A person employed in the Office of Financial Aid at New River Community College shall not own stock or hold any another financial interest in a lending institution, other than through ownership of shares in a publicly traded mutual fund or similar investment vehicle in which the person does not exercise any discretion regarding the investment of the assets of the investment vehicle.

Limitations on University Employees Participating on Lender Advisory Boards

New River Community College prohibits employees from receiving any remuneration for serving as a member or participant of an advisory board of a lending institution, 担保人, 或者是一组贷款人或担保人, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory boards, 委员会, 或组.

不歧视声明:
This College promotes and maintains educational opportunities without regard to race, color, 国家的起源, 宗教, 残疾, 性, 性取向, 性别认同, 种族, 婚姻状况, 怀孕, 分娩或相关的医疗状况，包括哺乳, age (except when age is a bona fide occupational qualification), 资深地位, 或者其他非优点因素.

The following person has been designated to handle inquiries regarding the college’s 该校非歧视政策: Dr. 马克C. Rowh, Vice President for Workforce Development and External Relations and Equal Opportunity Officer, 爱德华兹大厦217号, 540-674-3600, ext. 4241. 关于第九条(性骚扰)的调查, 性侵犯/家庭暴力/约会暴力, 和跟踪) 可以寄往 Dr. 黛博拉·肯尼迪洛克厅268号，学生服务主任，电话:540-674-3690. 或第九条副协调员; Mr. 约翰玩滚球的人残疾服务中心的学术顾问， 115 Christiansburg站点，540-674-3600，分机. 4418. 有关《十大网赌排行榜》和第504条的查询可直接发送至 Ms. 露西Howlett, Coordinator of the Center for Disability Services, Advising Center, 275鲁克大厅，V/TTY 540-674-3619.