教育贷款行为准则

博彩网址大全 Student Loan Code of Conduct

博彩网址大全 participates in the William D. Ford Federal Direct Loan Program which includes the Direct Subsidized and Direct Unsubsidized Student Loans, 直接毕业生PLUS贷款, 以及直接家长PLUS贷款. In some cases, Private Student Loans are needed to supplement the cost of education. 博彩网址大全 recommends that students exhaust all other methods of financing their education before applying for Private loans.

1. 收入共享
The term “revenue-sharing arrangement” means an arrangement between an institution and a lender which – (i) a lender provides or issues a loan that is made, 被保险人, or guaranteed to students under the Higher Education Act attending the institution or to the families of such students; and (ii) the institution recommends the lender or the loan products of the lender and in exchange, the lender pays a fee or provides other material benefits, 包括收入或利润分成, 致机构, 一个军官 or employee of the institution. 世纪挑战集团 and its employees will not enter into any type of revenue-sharing arrangement with any lender, 担保人或服务人员. 世纪挑战集团 does not provide students a preferred lender list from which to select a lender for a private student loan. All loans are processed without regard to lender or mode of transmission (i.e.，电子或纸张). 世纪挑战集团 will neither recommend a private loan lender nor accept material benefits including revenue or profit-sharing 致机构, 一个军官, or an employee of the institution or an agent.

2. 礼物
员工 of the Office of Student 金融援助 are prohibited from soliciting or accepting any gift from a lender, 担保人, 或教育贷款服务商.
a. 礼物 include any gratuity, favor, discount, entertainment, hospitality, loan or other item. 这包括提供服务的礼物, 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 incurred.
b. 礼物 to family members of an 世纪挑战集团 employee are considered to be a gift to the employee if the gift is given with the knowledge and consent of the employee and there is reason to believe the gift was given because of the official position of that employee.

3. 合同安排
员工 of the Office of Student 金融援助 shall not accept from any lender or affiliate of any lender any fee, 付款, or other financial benefit (including opportunity to purchase stock) as compensation for any consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.

4. 首选贷款人身份
世纪挑战集团参与威廉·D. Ford Federal Direct Loan Program which provides student and parent loans through the U.S. 教育部. Lenders in the private student loan industry will not be given a preferred status. 世纪挑战集团 will not produce a preferred lender list that gives any lender an advantage in securing business from AU students.

5. 私人贷款认证
世纪挑战集团 will not assign a borrower’s private student loan to a particular lender; all decisions will be made by the borrower in his/her independent review of borrower benefits and lender services.
世纪挑战集团不会拒绝认证, 或者延迟认证, any loan based on the borrower’s selection of a particular lender or guaranty agency.

6. 机会池贷款
世纪挑战集团 will not request or accept from any lender any offer of funds to be used for private education loans (defined in section 140 of the Truth in Lending Act) including funds for an opportunity pool loan in exchange for 世纪挑战集团 providing concessions or promises regarding providing the lender with a specified number of loans made, 被保险人 or guaranteed; a specified loan volume of such loans; or a preferred lender arrangement for such loans.

7. 人员协助
世纪挑战集团 will not request or accept from any lender, 担保人, or servicer of student loans any assistance with call center staffing or financial aid office staffing.

8. 顾问委员会薪酬
员工 of the Office of Student 金融援助 who serve on an advisory board, 委员会, 或由出借人成立的集团, 担保人, 或者是一组贷款人或担保人, are prohibited from receiving anything of value from the lender, 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 board, 委员会, 或组.