consumer information 2018-2019...catalog. o the catalog is available upon request from the...

of 52 © 2015 SPEC, LLC TSPA Georgetown -Consumer Information 2018-2019 1-2019 TSPA-Georgetown, updated 2/2019

Consumer Information 2018-2019

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 • Disabilities • Pre-Enrollment Information / Graduation / Completion / Transfer-out Rates / Placement • IPEDS Statistics / College Navigator Website • Internet Course Availability • Telecommunications and Correspondence Courses • Study Abroad Programs • Consumer Information for Student Athletes • Transfers • Vaccination Policy • Voter Registration • Crime Prevention • Campus Security Disclosure / Annual Report Statistics • Fire Safety Reporting Information for On-Campus Housing • 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 • Preferred Lenders • 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 • State Grant Availability • Types of Aid Available to Those who Qualify • Title IV Interest Rates • Criteria for Selecting Grant Recipients from Group of Eligible Applicants • Cost of Attendance • Effects of Student Loans


• Eligibility Requirements for Title IV Funding • Title IV Aid – Determining Eligibility • Satisfactory Academic Progress (SAP) • Title IX Coordinator / Compliance Officer • General Information for Title IV Funding • Loan Eligibility • 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 • Risk Assessment Plan (RAP) • 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: 01/2019 Date Policies and Procedures Updated: 02/2019


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) is 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 Mashay Taylor, The Financial Aid Administrator, at (512)868-8079 for additional

consumer information questions. • For general Academy questions please contact Tuesday Wilson, Director at (512)868-8079.

ANNUAL NOTICE

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

• 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 901 S. IH 35, Ste. 102, Georgetown, TX 78626. • The Academy phone number is (512) 868-8079 and its website address is www.tspaGeorgetown.com

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 Insert # 4 of The Academy Catalog. The terms, “staff”, “faculty” and “employees” are used interchangeably in this document.

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 approval of The Academy’s accreditation and approval of state licensure.


• The full Complaint Policy and Procedure is found in the Student Handbook. Prior to contacting accrediting or government agencies, students must complete and exhaust The Academy’s internal complaint procedure.

• EDUCATIONAL REQUIREMENTS

• All students must have a valid high school diploma or G.E.D. certificate or equivalent. • Valid Proof of Successful Completion of High School as evidenced by any of the items on the following

non-exhaustive list: o Copy of the student’s valid high school diploma or G. E. D. certificate (or equivalent)

§ In mitigating circumstances, as an alternate to show proof of completion of high school, an official high school transcript (bearing signature of a high school official) listing the student’s graduation date

o The Academy does not accept online diplomas o A certificate or other official completion documentation demonstrating that the student has

passed a state-authorized examination (such as the Test Assessing Secondary Completion (TASC) the High School Equivalency Test (HiSET), or, in California, the California High School Proficiency Exam) that the state recognizes as the equivalent of a high school diploma (certificates of attendance and/or completion are not included in this qualifying category)

o Have evidence of completion of home schooling that state law treats as a home or private school; or a copy of state-issued credential for secondary school completion if homeschooled (if applicable)

o An academic transcript of a student who has successfully completed at least a two-year program that is acceptable for full credit towards a bachelor’s degree

o Any foreign diploma must be verified for high school completion by an approved outside agency that is qualified to translate into English in order to confirm the academic equivalence to a U.S. High School Diploma

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.

DISABILITIES Any student has the right to self-disclose or can choose not to do so under the ADA laws. The building has handicapped accessible parking and restrooms. The Academy Admissions Representative has been designated to handle inquiries regarding The Academy's non-discrimination policies and services for disabilities. It is the student's responsibility to inform the admissions department of any desired special services so that reasonable accommodations may be taken into consideration.

• A Request for Reasonable Accommodations Form will be distributed to every student prior to enrollment in which the students may self-identify disabilities, including intellectual disabilities.

PRE-ENROLLMENT INFORMATION / GRADUATION /COMPLETION AND / PLACEMENT / TRANSFER RATES 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 Academy prepares these rates of its certificate, first-time, full-time undergraduate students annually.


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

§ This 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.

o The Academy is also required to share the same information using the accreditation-required time frame of the calendar year completed prior to the reporting deadline.

• 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.

• 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 State data systems

• These statistics are kept within The Academy grouped by calendar year of those graduating. • For additional information, please request a copy of the Pre-Enrollment Information given to all students

prior to enrolling for classes, which is found in the Admissions office. INTEGRATED POSTSECONDARY EDUCATION DATA SYSTEM (IPEDS) STATISTICS / COLLEGE NAVIGATOR WEBSITE / NATIONAL CENTER FOR EDUCATION STATISTICS (NCES)

• The Academy is required to report information to NCES in IPEDS for posting to the College Navigator Website. A link to this website can also be found on The Academy’s website at http://www.tspageorgetown.com/financial-aid/.

• The Academy is accredited with National Accrediting Commission of Career Arts and Sciences. It has been accredited since 01/18/2018 and is currently in accredited status.

• The College Navigator website (https://nces.ed.gov/collegenavigator provides location specific information such as address, phone number and website link.

o Type: Less than 2 year, Private for Profit offering Awards for Less than one year and One but less than two years certificates.

o Campus Setting: City: Small o Campus Housing: No o Student Population: 30 (all undergraduate) o Student to Faculty Ratio: 10 students to 1 faculty member

• General Information such as: o Link to the Net Price Calculator located on The Academy’s website at

http://www.tspageorgetown.com/financial-aid/welcome . o Disability Services found at http://www.tspageorgetown.com. o The Academy’s Mission Statement, which can be found in the Catalog. o Special Learning Opportunities: Weekend/evening college. o Student Services: Placement Services for Completers o Credit Accepted: Institution does not accept dual, credit for life, or AP credits o Carnegie Classification and Religious Affiliation: Not applicable


o Federal Aid: Eligible students may receive Pell Grants and other Title IV aid o Undergraduate student enrolled who are formally registered with the office of disability

services:1% or less. o Faculty (instructional) as of Fall 2017: Full Time 2 Half Time 2.

• Tuition, Fees and Estimated Student Expenses as shown below: TUITION, FEES AND ESTIMATED STUDENT EXPENSES ESTIMATED EXPENSES IN THE LARGEST PROGRAM FOR FULL-TIME BEGINNING UNDERGRADUATE STUDENTS *Beginning students are those are entering postsecondary education for the first time. LARGEST PROGRAM PROGRAM LENGTH

AVERAGE COMPLETION

Cosmetology/Cosmetologist, General 1,500 contract hours 11 months DETAILED EXPENSES 2014-2015 2015-2016 2016-2017 2017-2018

% CHANGE 2016-2017 TO 2017-2018

Tuition and fees $15,125 $15,125 $15,125 $15,125 0.0% Books and supplies $1,800 $1,800 $2,000 $2,000 0.0% Living arrangement Off Campus Room and board N/A $7,882 $7,882 $7,882 0.0% Other N/A $4,197 $4,197 $4,197 0.0% Off Campus with Family Other N/A $6,782 $6,782 $6,782 0.0% TOTAL EXPENSES Off Campus N/A $29,004 $29,204 $29,204 0.0% Off Campus with Family N/A $23,707 $23,907 $23,907 0.0% NEXT LARGEST PROGRAMS 2016-2017

• 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 Average net price in the largest program for full-time beginning students. AVERAGE NET PRICE IN THE LARGEST PROGRAM FOR ALL FULL-TIME BEGINNING STUDENTS LARGEST PROGRAM PROGRAM LENGTH ACADEMIC YEAR LENGTH Cosmetology/Cosmetologist, General 1,500 contract hours 900 contract hours Full-time beginning undergraduate student who were awarded grant or scholarship aid from federal, state or local governments, or the institution. 2014-2015 2015-2016 2016-2017 Average net price N/A N/A N/A Full-time beginning undergraduate students who were awarded Title IV aid by income. (If not applicable for the time frame, note N/A) AVERAGE NET PRICE BY INCOME 2014-2015 2015-2016 2016-2017 $0-$30,000 N/A N/A N/A $30,001-$48,000 N/A N/A N/A $48,001-$75,000 N/A N/A N/A $75,001-$110,000 N/A N/A N/A $110,001 and more N/A N/A N/A


*Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance for the institution's largest program. Total cost of attendance is the sum of published tuition and required fees, books and supplies, and the weighted average for room and board and other expenses for the institutions largest program. If the total length of program is greater than the academic year length, the total cost of attendance is adjusted for the academic year and the average net price is for the academic year. For programs that are less than the academic year length, the total cost of attendance and the average net price are for the entire length of the program.

*Beginning students are those who are entering postsecondary education for the first time. *Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students who received federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.

Net Price Calculator can be found at http://www.tspageorgetown.com/financial-aid/welcome/

• Enrollment status for Fall of 2016 is broken down by gender, self-identified members of a major racial or ethnic group, age and residence status. (The Academy does not offer distance education. The Registration Fee for each program is $100. The Academy has an open admissions policy.)

§ Total Enrollment (All Undergraduate) is 20. • Attendance consists of 0 Half Time and 20 Full time students. • Attendance consists of 1 Male and 19 Female students. • Enrollment consists of the following races/ethnicities (as separated per NCES

categories): o American Indian or Alaskan 0 . o Asia 0. o Black or African American 0. o Hispanic/Latino 6. o Native Hawaiian or other 0. o White 12. o Two or more races 2. o Race/ethnicity unknown 0. o Non-resident alien 0.

• Undergraduates by age and residence reported for first time degree/certificate seeking undergraduates, Fall 2017:

o 24 and under 18. o 25 and over 2. o In state 20. o Out of state 0. o Foreign countries 0. o Unknown 0.

• The Academy does not offer Distance Education. • The Academy does not offer Athletic programs. Therefore, it will not report date

for Varsity Athletic Teams. • Education benefits per number of Service Members and Veterans 2014-2015

o Post 9/11 GI Bill Benefits 0. o DoD Tuition Assistance Program 0.

• Federal Pell Grant recipients


FINANCIAL AID UNDERGRADUATE STUDENT FINANCIAL AID 2016-2017 Full-time Beginning Undergraduate Students *Beginning students are those who are entering postsecondary education for the first time.

TYPE OF AID NUMBER RECEIVING PERCENT RECEIVING TOTAL AMOUNT OF AVERAGE AMOUNT

AID AID AID RECEIVED OF AID RECEIVED Any student financial aid* N/A 0% ------- ------- Grant or scholarship aid N/A 0% $0,000 $0,000 Federal grants N/A 0% $0,000 $0,000 Pell grants N/A 0% $0,000 $0,000 Other federal grants N/A 0% $0,000 $0,000 State/local gov't grant N/A or scholarships N/A 0% $0,000 $0,000 Institutional grants or scholarships N/A 0% $0,000 $0,000 Student Loan Aid N/A 0% $0,000 $0,000 Federal student loans N/A 0% $0,000 $0,000 Other student loans N/A 0% $0,000 $0,000 *Do not accept work study aid N/A All undergraduate students

TYPE OF AID NUMBER RECEIVING PERCENT RECEIVING TOTAL AMOUNT OF AVERAGE AMOUNT

AID AID AID RECEIVED OF AID RECEIVED Grant or scholarship aid* N/A 0% $0,000 $0,000 Pell grants N/A 0% $0,000 $0,000 Federal student loans N/A 0% $0,000 $0,000 *Grant or scholarship aid includes aid received, from the federal government, state or local government, the institution, and other sources known by the institution. **For more information on Student Financial Assistance Programs or to apply for financial aid via the web, visit Federal Student Aid.

• 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 physical or intellectual 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.


FIRST-TO-SECOND YEAR RETENTION RATES

Retention rates measure the percentage of first-time students who return to the institution to continue their studies the following fall.

RETENTION RATES FOR FIRST-TIME STUDENTS Half Time Students N/A Full Time Students N/A Percentage of Students Who Began Their Studies in Fall 2015 and Returned in Fall 2016 OVERALL GRADUATION RATE AND TRANSFER-OUT RATE

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate.

OVERALL GRADUATION AND TRANSFER-OUT RATES FOR STUDENTS WHO BEGAN THEIR STUDIES IN 2014-2015 Overall Graduation rate N/A *The Academy does not track transfer out rates Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program GRADUATION RATES BY TIME TO COMPLETION

Graduation rates can be measured over different lengths of time. "Normal time" is the typical amount of time it takes full-time students to complete their program. For example, the "normal" amount of time for many associate degree programs is 2 years. Not all students complete within the normal time, so graduation rates are measured by other lengths of time as well, including "150% of normal time" (e.g., 3 years for a 2-year program) and "200% of normal time," or twice as long as the normal time (e.g., 4 years for a 2-year program).

GRADUATION RATES FOR STUDENTS WHO BEGAN THEIR PROGRAM IN 2013-14 OR 2014-15, BY TIME TO COMPLETION Began in 2013-2014 2014-2015 Within the "normal time" for the program 0.00% 0.00% Within 150% of the "normal time" for the program 0.00% 0.00% Within twice as long as the "normal time" for the program 0.00% 0.00%

Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time

PROGRAMS COMPLETION (NUMBER OF AWARDS CONFERRED) 2016-2017 - BY AWARD LEVEL

PROGRAM - CERTIFICATE AWARDED <1 YEAR 1 to <2 Year Cosmetology/Cosmetologist, General 0 0 Category total 0 0

Data shown are for first majors. (-) Program is not offered at this award level.


• Please see The Academy website for Campus Security information as well as later in this document

and Student Handbook. • Cohort Default Rates for the three year fiscal years of 2012, 2013 and 2014 for The Academy

are also reported to NCES. Below are The Academy’s current reported rates. Further information can be found at https://www2.ed.gov/offices/OSFAP/defaultmanagement/cdr.html The Academy’s school code is OPEID:042767.

o 2013 has a default rate of N/A o 2014 has a default rate of N/A o 2015 has a default rate of N/A

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. CONSUMER INFORMATION FOR STUDENT ATHLETES

• The Academy does not have an athletic program.

TRANSFERS All accepted transfer hours will be credited at the end of the program. A possibility exists that no transfer credit will be granted. Students transferring from another franchise location of Salon Professional Education Company will be placed into an existing class based on level of completion recorded on their transcript. Courses with an 85% or higher grade will be eligible for transfer hour’s credit with a maximum of 100% of the student’s completed hours allowable for transfer in general education chapters. Tuition balances do not transfer from one school to another.

• 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.

• Students will be required to complete theory and practical training that are unique to our franchise

system. The Cosmetology specific classes include: Principal Based Design and Finishing, Color, Business Building Skills, Art of Consultation and Product knowledge for a total of 350 hours. For the remaining hours to full graduation requirements, the Cosmetology and Instructor transfer students will pay $10/hour. Transfer students will be subject to over contract fees, if applicable.

VACCINATION The State of Texas requires all incoming students under the age of 22 to be current on their Meningitis Vaccination. Because we respect the rights and decisions of all parties concerning vaccines, students may apply for exemption for reasons of medical, conscience, or active military. Please refer to the Texas Department of State Health Services. https://www.dshs.texas.gov/immunize/school/college-requirements.aspx VOTER REGISTRATION The Academy encourages students to be registered voters and to exercise their right to vote. A voter registration link is available at http://www.tspageorgetown.com/financial-aid/


CRIME PREVENTION

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

CAMPUS SECURITY DISCLOSURE / ANNUAL STATISTICS REPORT

• 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 Statistics Report 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, sexual misconduct, robbery, aggravated assault, simple assault, intimidation, burglary, motor vehicle theft, larceny-theft, destruction or damage or vandalism to 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 training area guests.

o The Academy staff will assist to the best of their ability with mandated orders of protection or “no-contact” orders, restraining orders, or similar lawful orders issued by a criminal, civil, or tribal court or by The Academy.


Annual Report Campus Crime Statistics

Occurrences in: On-Campus Public Noncampus 2016 2017 2018 2016 2017 2018 2016 2017 2018

Criminal Offenses – Primary Crimes (As defined by FBI’s UCR Program, “Summary Reporting System User Manual”, (SRS))

• Criminal Homicide: o Murder and non-negligent manslaughter 0 0 0 0 0 0 0 0 0 o Negligent manslaughter 0 0 0 0 0 0 0 0 0

• Sexual Assault / Sex Offenses: (As defined by the FBI’s UCR Program, “National Incident-Based Reporting System User Manual”, (NIBRS))

o Rape 0 0 0 0 0 0 0 0 0 o Fondling 0 0 0 0 0 0 0 0 0 o Incest 0 0 0 0 0 0 0 0 0 o Statutory Rape 0 0 0 0 0 0 0 0 0

• Robbery 0 0 0 0 0 0 0 0 0 • Aggravated Assault 0 0 0 0 0 0 0 0 0 • Burglary where: 0 0 0 0 0 0 0 0 0

o There is evidence of unlawful entry which may be forcible or non-forcible o Unlawful entry must be of a structure/four walls, roof and door o There is evidence that entry was made in order to commit a felony or theft

• Motor Vehicle Theft 0 0 0 0 0 0 0 0 0 • Arson 0 0 0 0 0 0 0 0 0

Arrests and referrals for disciplinary actions, per revised FBI definitions, including • Liquor Law Violations 0 0 0 0 0 0 0 0 0 • Illegal Weapons Carrying and Possessing 0 0 0 0 0 0 0 0 0 • Drug Abuse Violations 0 0 0 0 0 0 0 0 0 Persons who were referred to campus disciplinary action • Liquor Law Violations 0 0 0 0 0 0 0 0 0 • Drug Abuse Violations 0 0 0 0 0 0 0 0 0 • Illegal Weapons Carrying and Possessing Etc. Law 0 0 0 0 0 0 0 0 0

Hate Crimes Reported statistics under Criminal Offenses by category of prejudice-hate crime or bias. (A Criminal Offense that is motivated by a Hate Crime must be counted in both sections):

• Race 0 0 0 0 0 0 0 0 0 • Gender 0 0 0 0 0 0 0 0 0 • Gender identity 0 0 0 0 0 0 0 0 0 • Religion 0 0 0 0 0 0 0 0 0 • Sexual orientation 0 0 0 0 0 0 0 0 0 • Ethnicity 0 0 0 0 0 0 0 0 0 • National origin 0 0 0 0 0 0 0 0 0 • Disability 0 0 0 0 0 0 0 0 0 • Any other crime involving bodily injury 0 0 0 0 0 0 0 0 0

Statistics continued on next page


Occurrences in: On-Campus Public Noncampus 2016 2017 2018 2016 2017 2018 2016 2017 2018

Statistics are also required for four additional crime categories if the crime attempted / committed is classified as a hate crime. (As defined by the FBI’s UCR Program, “Hate Crime Data Collection Guidelines and Training Manual”)

• Simple Assault 0 0 0 0 0 0 0 0 0 • Intimidation 0 0 0 0 0 0 0 0 0 • Larceny-Theft 1 2 1 0 0 0 0 0 0 • Destruction, damage or vandalism 0 0 0 0 0 0 0 0 0

to property motivated by bias Violence Against Women Act (VAWA) (Sexual Assault is included under “Criminal Offenses-Primary Crimes”

• Domestic Violence 0 0 0 0 0 0 0 0 0 • Dating Violence 0 0 0 0 0 0 0 0 0 • Stalking 0 0 0 0 0 0 0 0 0 • If applicable, the number and category of any above crimes that were considered “unfounded” as described later

in this document, are as follows: N/A . FIRE SAFETY REPORTING INFORMATION FOR ON-CAMPUS HOUSING

• The Academy does not have on-campus housing; therefore, there are no statistics to 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

• The Academy Admissions Director meets with a prospective student and also collects facts necessary to procure admittance into The Academy.

• 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. • The Academy does not recruit students already attending or admitted to another school offering similar

programs of study. • All students admitted are beyond the compulsory age of attendance for the State of Texas. • 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, disability, national origin, or ethnic origin in admitting students.

• 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 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 training 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 in order to have the ability to qualify for available Direct Subsidized / Unsubsidized / Direct Plus Loan programs and Pell Grants.

• Half–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 hour/ credit hour) or weeks of

instructional time, students enrolled in that program won’t be eligible for a full scheduled award as award will be prorated based on length of AY.

• Length of the program as defined in clock hour /credit hour and weeks affects the amount of aid for which a student may qualify.

• Students must complete the required hours and weeks in the payment period to receive the Pell / Direct Loan 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 at: http://www.tspageorgetown.com/financial-aid/ • All staff members associated with student loans are informed annually of the provisions of the code.


PRIVATE CONSUMER EDUCATIONAL LOANS (if applicable) Preferred Private Lenders

Criteria for Selection Reason favorable to borrower

Related to other lenders on list Yes or No

1. TFC

TFC Tuition Financing has served over 2,500 schools and over 500,000 students since 1970. They are firm believers in helping the education sector grow, working with schools of all sizes – from multinational education corporations to small individual schools with a single campus

•Bilingual credit counselors User-friendly Portals Flexible payment options • Online account visibility & management • Lower Interest Rates 5%-7% • Extended payment plans

No

2. Tuition Options

Tuition Options delivers customized institutional loan servicing and financing solutions to postsecondary schools nationwide. Through their compliant online platform, they offer products and services that allow schools to remain focused on providing the best educational experience and value for their students.

Make payments conveniently online 24/7 • E-sign documents and enroll in autopay online • 24/7 access to account details and payment history • Loan Modification processes • Contact the Issue Resolution desk for urgent attention

No

• It is recommended that all Title IV aid be exhausted first as typically, Title IV has a lower interest / better repayment rate than most consumer loans therefore may be more favorable than the provisions of a private educational loan.

• 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.

o Explain to the borrower she / he may qualify for loans or other assistance under the Title IV, HEA programs.

• 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 private 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.

o All elements of Section 128(e) of the Truth in Lending Act 15 U.S.C. 1638(e) under will be shared with a prospective student who is seeking information regarding a private educational loan.

PREFERRED LENDERS

• The Academy preferred lender list can be found in the Code of Conduct contained on The Academy’s website, at http://www.tspageorgetown.com/financial-aid/

• The Code of Conduct includes the following:


o If The Academy has a Preferred Lender list, and if so: § Why The Academy participates in a Preferred Lender arrangement with each lender,

particularly with respect to terms and conditions or provisions favorable to the borrower. § Student and/or families do not have to borrow from a lender on the list § List at least two lenders and state whether or not they are an affiliate of each other.

PROGRAMS OFFERED HOURS TO COMPLETION TUITION COST BOOK/KIT COST Title IV Programs

• Cosmetology 1500 hours $ 15,000 $ 2000.00 Non-Title IV Programs

• Instructor 500 hours $ 5,000 $ 200.00 • Instructor 750 hours $ 7,500 $ 200.00

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.

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 will be prorated by Academic Year and charged by the 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.

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.

• The SAP Policy is provided to the student prior to signing this Agreement. • 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, which ever is the lesser, with payment due the 1st of each month.

• 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.

• 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 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.tspageorgetown.com/financial-aid/welcome

STATE GRANT AVAILABILITY There are no Texas state grant programs that fund cosmetology schools. Cosmetology schools do not meet the description of a grant-eligible institution according to Texas Administration Code (TAC) 61.003 (8). Sources of information about grant aid and about grant assistance for other states can be found at http://www.collegescholarships.org/grants/state.htm

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 and Scholarships.

• VA Benefits • 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. • 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 LOAN INTEREST RATES

• The interest rates for undergraduate Subsidized and Unsubsidized Loans disbursed on or after July 1, 2018 through June 30, 2019 are fixed at 5.05%

• The interest rates on Direct Plus Loans disbursed on or after July 1, 2018 through June 30, 2019 are fixed at 7.60%

• The interest rates for undergraduate Subsidized and Unsubsidized Loans disbursed on or after July 1, 2017 through June 30, 2018 are fixed at 4.45%

• The interest rates on Direct Plus Loans disbursed on or after July 1, 2017 through June 30, 2018 are fixed at 7.00%

• Direct Consolidation Loans: Interest rate is the weighted average of the interest rates on the loans included in the consolidation, rounded up to the next higher one-eighth of one percent. There is no maximum interest rate for Direct Consolidation Loans.

CRITERIA FOR SELECTING GRANT RECIPIENTS FROM GROUP OF ELIGIBLE APPLICANTS

• Pell Grant students are selected based on their Expected Family Contribution (EFC) number found on the valid Institutional Student Information Record (ISIR).

o The amount of Pell Grant award / non-award will vary based on the student and / or family EFC. • All students receiving Grants must remain enrolled at least half time and meet the Satisfactory

Academic Progress (SAP) Policy requirements to remain eligible. 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.

• Listed below is the COA Budget for each program (including all FT/PT) that has qualified for Title IV, HEA funding.


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

• Have a valid High School Diploma or GED or other state sanctioned test or diploma-equivalency certificate (this can be from a foreign school if it is equivalent to the US High School Diploma.)

o Completed homeschooling at the secondary level as defined by state law; o Completed secondary school education in a homeschool setting which qualifies for an

exemption from compulsory attendance requirements under state law, if state law does not require a homeschooled student to receive a credential for their education

o A certificate or other official completion documentation demonstrating that the student has passed a state-authorized examination (such as the Test Assessing Secondary Completion (TASC) the High School Equivalency Test (HiSET), or, in California, the California High School Proficiency Exam) that the state recognizes as the equivalent of a high school diploma (certificates of attendance and/or completion are not included in this qualifying category)

• Complete, sign and date the FAFSA for each financial aid year in which the student is eligible for aid o If selected for verification, all elements of verification must be cleared up prior to packaging and

awarding aid • Comply with The Academy Satisfactory Academic Progress (SAP) Policy regarding SAP evaluations,

Financial Aid Warning, Financial Aid Probation, if applicable • Currently, not be in default on previous student loans • Not owe repayment on an adjusted /over award Pell Grant • Have remaining eligibility for Pell Grants / Subsidized or Unsubsidized Loans • Have not exceeded the annual and aggregate Direct Loan limits and complies with the 150% Direct

Subsidized Loan rule / Pell Lifetime Award limits • Have remaining eligibility if the student is a transfer student • Be accepted for admittance as a regular student in an eligible program • Be enrolled and maintain at least half time attendance • Have a successful ISIR Social Security match or comment code indicating successful INS match • If male, ages 18-25 has registered with the Selective Service • Be a citizen or eligible non-citizen • Have resolved any drug conviction issues • Do not have an Unusual Enrollment History (UEH) that prevents eligibility • Enrolled students requesting Title IV funding must not be in default, and certifies that he or she is not in

default on a loan made under any Title IV HEA loan programs, does not have property subject to a judgment lien for a debt owed to the United States and is not in any overpayment situation regarding Title IV programs


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 the student and family’s ability to contribute towards educational expenses.

• If a student is selected for verification, the EFC number (Expected Family Contribution) on front page of SAR (Student Aid Report) will have an asterisk next to the number.

o When a student is selected for verification by the CPS (Central Processing System) the student will be required to submit additional documentation to support the information on the FAFSA.

o In some cases, verification will result in a change in the student’s EFC number. o Verification must be cleared up prior to packaging and awarding aid.

• 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.

• Students who qualify for Title IV funding must be aware there are no guarantees associated with such and future employment opportunities.

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 half 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 118% maximum time frame for completion of the program. o Maximum time frame in hours to complete divided by the hours in the program=118% o Example: 1500 hour program times 118%=1770 maximum hours to complete. 1770 hours

divided by 1500 hours=118%. • The maximum time frame for each student is monitored by the Financial Aid Administrator to ensure

each student is within the allowable guidelines to complete the program within 117% of the scheduled attendance. Students who are behind in attendance are counseled regarding consequences of failure to meet maximum time frame necessary in order to graduate. Consequences resulting from failure to complete within the maximum time frame include dismissal as soon as the Financial Aid Administrator becomes aware of the student’s inability to complete within the maximum time frame.

• 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 permanent student records 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.

TITLE IX COORDINATOR / COMPLIANCE OFFICER

• The Academy does not discriminate on the basis of sex in education programs or activities it operates and the Academy is required by Title IX not to discriminate in such a manner.

• Questions regarding Title IX may be referred to The Academy’s Title IX Coordinator / Compliance Officer or to the Office of Civil Rights.

• The Title IX Coordinator / Compliance Officer of The Academy is Tuesday Wilson and can be reached at the Administrator’s office within The Academy, or by phone at 512-868-8079 or by email at [email protected] . If any part of a school, district, vocational school, or college receives Federal funds for any purpose, all of the operations of the school are covered by Title IX.

• Title IX protects employees, students and applicants for admission and employment, and other persons from all forms of sexual discrimination, including discrimination based on gender identity or failure to conform to stereotypical notions of masculinity and femininity.

• All students (as well as other persons) at recipient institutions are protected by Title IX-regardless of their sex, sexual orientation, gender identity, part or full time status, disability, race, or national origin-in all aspects of a recipient’s educational programs and activities.

• The Title IX Coordinator / Compliance Officer has the primary responsibility for coordinating The Academy’s efforts to comply with and carry out its responsibilities under Title IX, which prohibits sex discrimination in all the operations of The Academy, including a nondiscriminatory environment and prohibits retaliation for the purpose of interfering with any right or privilege secured by Title IX.

o The Title IX Coordinator / Compliance Officer plays a crucial role in helping The Academy’s staff, employees and students understand their legal rights and responsibilities under Title IX including, but not limited to:

§ Ensuring that all policies and procedures meet Title IX requirements. § Conducts regular training for staff outlining their rights and obligations for Title IX,

including how to appropriately respond to reports of sexual misconduct, how to report and to the extent to which counselors and advocates may keep a report confidential.

§ Conducts regular training for students to help them understand Title IX rights with regards to sexual misconduct.

• The Academy Title IX Coordinator / Compliance Officer is responsible for overseeing investigations / all monitoring of Title IX requirements.

• Under Title IX regulations, sexual misconduct against a student includes sexual harassment, sexual assault, rape and sexual exploitation.

o The Title IX Coordinator / Compliance Officer oversees The Academy’s response to reports and complaints that involve possible sexual discrimination.

o The Title IX Coordinator / Compliance Officer monitors the outcomes and looks for developing patterns across The Academy entire student population.

• The Academy’s Title IX Coordinator / Compliance Officer is also responsible to ensure all Academy Policies and Procedures are implemented, including but not limited to all aspects of Campus Security


and Safety, to provide an environment in which students are protected and void of sexual exploitation and discrimination.

• A student may contact the Title IX Coordinator / Compliance Officer to: o Seek out information / training regarding a student’s rights and courses of action under the Title

IX regulation; o File a complaint or report of sexual discrimination / misconduct o Notify The Academy of an incident / policy / procedure that may raise Title IX concerns; o Seek confidential information or available supporting resources relating to sexual misconduct /

discrimination; o Ask questions regarding The Academy’s policies and procedures related to sexual misconduct /

discrimination. • If any Title IX Coordinator / Compliance Officer conflict of interest occurs regarding a policy, procedure,

or incident, the student may contact another member of The Academy to express their concern, or report an incident.

• Any inquires or complaints that involve potential Title IX violations, can also be referred to the U.S. Department of Education Office for Civil Rights, which can be reached at The Academy’s Dept. of Education Regional Office, 214-661-9600, [email protected], 1999 Bryan Street, Suite 1620 Dallas, Texas 75201-6810 or can be referred to the Educational Opportunities Section of the Civil Rights Division of the U.S. Department of Justice at https://www.justice.gov/crt/complaint/#three

• Additional information regarding Title IX requirements may be found in the Student Handbook under the Campus Security Disclosure Information.

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 Texas 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 and be attending at least half time 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.


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 are 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. o Students must remain enrolled at a minimum of half time and meet Satisfactory Academic

Progress (SAP) Requirements per the SAP Policy in order to remain eligible for Direct Loans. • ***Each student must qualify for Subsidized and Unsubsidized Federal Direct Loan Eligibility. Loan

limits below are based on the length of each academic year. The chart below outlines aid for the programs of at least two academic years. Programs less than two academic will have prorated loans to those who qualify based on the length of the program’s academic year. Programs that are less than a full 2nd or 3rd Academic Year will also be prorated based on the length of the academic year.

Subsidized Federal

Direct Loan Unsubsidized Federal Direct Loan

Dependent Independent

1st Academic Year ***$3500 ***$2000 ***$6000 2nd Academic Year ***$4500 ***$2000 ***$6000

• Parent Plus Loan Eligibility is based on a parent’s credit rating and / or the ability to gain a qualified

endorser.

LOAN FEES – The amount of the loans fees is determined by the date of the first disbursement of the loan. Any subsequent disbursements of the same loan will have the same loan fee percentage that was applied to the first disbursement of the loan.

• Direct Subsidized and Unsubsidized Loans disbursed on or after October 1, 2017 through September 30, 2018 have a 1.066% origination fee.

• Direct Subsidized and Unsubsidized Loans disbursed on or after October 1, 2018 through September 30, 2019 have a 1.062% origination fee.

• Direct Parent Plus Loans disbursed on or after October 1, 2017 through September 30, 2018 have a 4.264% origination fee.

• Direct Parent Plus Loans disbursed on or after October 1, 2018 through September 30, 2019 have a 4.248% origination fee.

TERMS OF CONDITIONS OF LOANS

• Terms and Conditions of the Direct Subsidized and Direct Unsubsidized Loans are found at https://studentaid.ed.gov/sa/fafsa/next-steps/accept-aid/mpn


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

§ Beginning April 26, 2015 a change over to the new FSA ID (Federal Student Aid ID) has begun.

o Students (and parents) will log on to FAFSA on the Web and other FSA websites, including the National Student Loan Data System (NSLDS), StudentLoans.gov, Studentaid.gov, website, with a username and password that they create when they set up their FSA ID.

§ This removes the need for the personal identification number (PIN) and the use of personal identifiers such as name, birthdate, and Social Security number.

o Users do not need to do anything to prepare for this change; when they first log on to one of the above sites on or after the above April date, they will be asked to create a username and password.

§ If the student has a PIN, they will have the option to link the former PIN# to their new FSA ID, which will allow them to immediately use the ID on the above websites rather than wait 1–3 days while their identifying information is confirmed.

o Students must follow all written instructions when completing the FAFSA. o On the FAFSA, list the School Code for The Salon Professional Academy, Georgetown, Texas

to allow The Academy to receive your information. § The Academy’s School Code for FAFSA purposes is: 042767

o Step Three of the FAFSA defines 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.

o The student may also need to verify income by submitting the IRS Tax Return or by supplying an IRS Tax Transcript. Note: IRS Data Retrieval system is available for the 2018-2019 award year.

o If selected, this verification process must be completed before a student can be awarded or 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 (Alternate EFC that matches the length of the academic year) 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 Alternate 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 Parent Plus Direct Loans are a qualifying 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 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. • 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 a 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.

o The Loan Period will take into account holidays, scheduled days off and will only include days where attendance is scheduled.

ENTRANCE LOAN COUNSELING

• Students and parents (who are Parent Plus Direct Loan borrower and are informed by the U. S. Dept. of Education they are required to complete this) are required complete the Entrance Loan Counseling prior to the student receiving the first disbursement of federal loans.

o For Direct Loans, the Entrance Loan Counseling 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 / Entrance Loan Counseling are discussed again during the financial aid review as part of the student’s financial aid orientation.

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

• Financial Aid Literacy • The obligation, seriousness and importance of the full amount of loan repayment regardless of whether

the borrower completes the program or secures employment or is otherwise dissatisfied or does not receive all the services the borrower purchased from The Academy

• 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 • Explanation and use of 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, responsibilities or other financial aid questions

• 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 Range of student levels of indebtedness among borrowers and the average indebtedness of other borrowers in the same program at the same school as the borrower.

• 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 • Academy contact information for financial aid or loan questions • Importance of contacting appropriate offices if the student withdraws prior to completion of the program

of study • Notification requirements for change of name or address, phone


• Withdrawal from the program o How the withdrawal will affect the student’s Direct Loans / Pell Grant and / or parent if Direct

Plus Loan is involved 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 o See the Sample of Standard Repayment Schedule for estimated monthly repayment amounts

located in the Exit Counseling section of this document. DISBURSING FEDERAL AID

• Disbursements for Grade Level 1 Loans in the full time Cosmetology program occur at: o 30 hours (no earlier than 30 calendar days for the 1-450 hour payment period) and 451 hours

(for the 451-900 payment period). • Pell Grants may be disbursed sooner than the first 30 calendar days (for the 1-450 hour payment

period) pending an award letter has been completed for the first Academic Year. • Disbursements for Grade Level 2 occur at 901 hours (for the 901-1200 payment period) and 1201

hours (for the 1201-1500 payment period). • 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 to indicate Satisfactory Academic Progress status (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.

• Title IV funds nor credit balances may be used to pay for over contract fees. However, if a student cashes a credit balance check, she/he may return with the cash to pay down over contract fees. Schools may not hold a credit balance for the fees.

Disbursement Credit Balance Refund Summary • Credit balances occur once all payment period’s tuition and fees have been paid. • A refund from a credit balance will be issued to the student, (or parent in the case of a Parent Plus

Direct Loan) unless the financial aid authorization to hold the credit balance is signed. o When the student has been disbursed financial aid that exceeds his or her allowable tuition and

fees to be kept per the payment period a credit balance will result due to the excess disbursed funds.

o 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.

• No credit balances will be carried over from one academic year to the next. • If there is a credit balance when nearing the end of an academic year, the student / parent, if

applicable, 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.

o In the case of a Pell Grant, any credit balance funds must be returned to the student. • All credit balance refunds will be issued by check within 14 calendar days of the date on the

disbursement roster unless the student / parent, if applicable gives written permission to hold the credit balance.


• A Direct Subsidized, Unsubsidized Loan or Pell Grant credit balance refund will be given directly to the student, with the check made out in the student’s name.

• A credit balance refund created by a Parent Plus Loan will be given directly to the parent, with the check made out only in the parent’s name, unless the parent signs a statement to do otherwise.

• Credit balance checks which the student requests may be held for 21-days after The Academy notifies the student. If the student does not pick up the check within 21-days, The Academy must immediately mail the check to the student or parent, initiate an EFT to the student’s or parent’s bank account, or return the funds to the appropriate FSA program.

• Title IV funds nor credit balances may be used to pay for over contract fees. However, if a student cashes a credit balance check, she/he may return with the cash to pay down over contract fees. Schools may not hold a credit balance for the fees.

DEFERMENT 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.

• Deferment information can be accessed at https://www.studentaid.ed.gov/sa/repay-loans/deferment-forbearance

OFFICIAL / UNOFFICIAL WITHDRAWAL PROCEDUES PRIOR TO GRADUATION

• A student is considered to be “Officially” withdrawn on the date the student notifies the Financial Aid Director or Academy Director in writing of their intent to withdraw. The date of the withdrawal or termination/expelled for return and refund purposes will be the earliest of the following for official withdrawal:

o Date student provided official notification of intent to withdraw, in writing or orally. o The date the student began the withdrawal process.

§ A student is allowed to rescind his notification in writing and continue the program. If the student subsequently withdraws, the student’s withdrawal date is the original date of notification of intent to withdraw.

• The Academy Attendance Policy allowable absences must applied as applicable. • A student is considered to be an unofficial withdrawal when the student does not provide official

notification of his or her intent to withdraw and is absent for more than 05 consecutive calendar days.

• 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, the student must meet with The Academy Financial Aid Administrator (FAA) to start the withdrawal process.

§ If 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 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.

o Next step will be to complete The Academy Refund Worksheet. • 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 Title IV 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 Direct Loans / private loans.

• Cash paying student: The Academy FAA (Financial Aid Administrator) will only 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 made final payment of debts owed 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 date of determination 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 but not limited to:

o Date of Determination of withdrawal: § The date for official withdrawal is the date of written notification and will be determined

by the postmark of the notice or the date it is delivered in person, in writing or orally, to the Institute administrator.

§ The date of unofficial withdrawal is when the student ceases to call in to report an absence and / or ceases to attend after ____ days have elapsed or the date a student does not return from Leave of Absence.

§ The date of determination starts the timeline for the refund calculation. o The last date of attendance is the withdrawal date for refund calculation purposes.

§ A student is allowed to rescind his notification in writing and continue the program. If the student subsequently withdraws, the student’s withdrawal date is the original date of notification of intent to withdraw.

• The Institute Attendance Policy allowable absences must be applied as applicable.

o A link to the Direct Loan Exit Loan Counseling


o In the event Title IV Funds have been returned due to the R2T4 calculation, the letter will disclose the amount and type of funding was returned.

o The student’s responsibilities of repaying their student loan(s) 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 (or does not return from a leave of absence or is terminated) before completion of the program. Information regarding Title IV aid can be found at www.studentaid.ed.gov or can be directed to Mashay Taylor in The Academy financial aid office at 512-868-8079 or The Federal Student Aid Information Center at 1-800-433-3243.

• An example R2T4 calculation is as follows:


ACADEMY REFUND WORKSHEET / POLICY

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

• The Academy Refund Worksheet is calculated to determine if The Academy owes the student a refund or if the student has remaining tuition and fees owed to The Academy at the time of withdrawal.

o Title IV Aid students will have the Return to Title IV Funds calculation completed prior to completing The Academy Refund Worksheet.

o Cash paying students will only have The Academy Refund Worksheet completed if no Title IV funds have been awarded or disbursed to the student in question.


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 online Exit Loan Counseling/ Entrance Review include but may not be limited to:

• 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 o https://studentaid.gov/repay-loans/disputes/prepare o Phone: 877-557-2575 o Fax: 606-396-4821 o Mail: FSA Ombudsman Group, PO Box 1843, Monticello, KY 42633

• Information about NSLDS. The U.S. Department of Education is required to provide disclosure form 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

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 a more accurate

amount based on your specific borrowing situation. o Repayment Estimator found at:

§ www.studentaid.ed.gov • https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action

Loan Amount

# Of Payments

(10 years)

Monthly

Payment

Total Interest / Repayment @ 3.4%

Monthly

Payment


Monthly

Payment


Monthly

Payment


Monthly

Payment


$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 $139.91 $3289/ $147.18 $4,162 / $17,662

$149.88 $4,486 / $17,986

$155.36 $5,143 / $18,643


$15,943 $16,789

$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 FAA will prepare the Constitution Day information for presentation to the student body and staff.

COPYRIGHT INFRINGEMENT POLICY The entire copyright infringement law that students and employees must abide by is provided in full content at the following web link: http://www.copyright.gov/title17/92chap5.html

• 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 infringement 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 • Systems are monitored by the following technology-based deterrent: Red Level Cyber Security

Monitoring.


• Students may have limited access to the following Academy computers. Students may not log into the following Academy computers without authorization from The Academy Owner / Director / Educator.

o Student salon training area front desk appointment book o Student salon training area booking station o Student Resources Cabinet

• 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 o When applicable, a student may complete their FAFSA/ E-MPN / Entrance Loan Counseling /

Exit Loan Counseling online only when in the presence of the Financial Aid Administrator o Owners

• In addition, a student may be subject to criminal penalties resulting from prosecution. This above-mentioned list is not all-inclusive and the student 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 damages 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. 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. 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.

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 is 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. • 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 clear and

conspicuous written notice 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 Grant for the payment period of

the award year the student is currently enrolled within. o Qualifying for Direct Loans will be based on the period of enrollment.

FEDERAL DRUG TRAFFICKING PENALTIES

• A detailed listing of Federal Drug Trafficking Penalties is given to students during Orientation as an attachment to the Student Handbook.

• Drug Trafficking is the unlawful distribution, possession with intent to distribute, manufacture, importation and exportation, etc.

• The type of substance, quantity and penalties associated with Federal drug trafficking are found on the Drug Enforcement Administration Website https://www.dea.gov/pr/legis.shtml.


o The chart found on this web link gives information for the maximum fines and terms of imprisonment that may be imposed as a consequence of conviction for violating the Federal Controlled Substances Act and other drug supply and demand related laws.

• 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.

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

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.

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

o For additional health effects go to: https://www.dea.gov/druginfo/factsheets.shtml • The Academy provides education and distribution of drug related materials annually during a jump

celebration 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 local, state, federal laws and judicial rulings. PENALTIES UNDER TEXAS LAW OFFENSE MINIMUM PUNISHMENT MAXIMUM PUNISHMENT

Manufacture or delivery of controlled substances (drugs)

Confinement in the Texas Department of Corrections (TDC) for a term of not more than 10 years or less than 2 years, or confinement in a community correctional facility for not more than 1 year, and a fine not to exceed $10,000

Confinement in TDC for life or for a term of not more than 99 years or less than 15 years, and a fine not to exceed $100,000

Possession of controlled substances (drugs)

Confinement in jail for a term of not more than 180 days, and a fine not to exceed $1,000


Delivery of Marijuana Confinement in jail for a term of not more than 180 days, and a fine not to exceed $2,000 or both


Possession of Marijuana

Confinement in jail for a term not to exceed 180 days, and a fine not to exceed $2,000 or both


Driving Under the Influence of Alcohol

FIRST OFFENSE: Maximum fine of $500; 20 to 40 hours community service related to education about or prevention of misuse of alcohol; 60 or 120 day suspension of driver's license. SECOND OFFENSE: Maximum fine of $500. 40 to 60 hours community service related to education about or prevention of misuse of alcohol; 120 or 240 day suspension of driver's license.

THIRD OFFENSE: Fine not less than $500 or more than $2,000; confinement in jail for term not to exceed 180 days or both the fine and the confinement; 180-day or 1 year suspension of driver's license. An offense under this section is not a lesser included offense under Section 49.04, Penal Code. (DWI).

Public Intoxication A fine not to exceed $500

Purchase of alcohol by a minor Fine of not less than $25.00 nor more than $500 Varies with age and number of offenses

Consumption of alcohol by a minor Fine of not less than $25.00 nor more than $500.00 Varies with number of offenses

Possession of alcohol by a minor

FIRST OFFENSE: Maximum fine of $500; 8 to 12 hours of community service; 30-day suspension of driver's license. SECOND OFFENSE: Maximum fine of $500; 40 to 60 hours of community service; 60-day suspension of driver's license.

THIRD OFFENSE: Fine not less than $250 or more than $2,000; confinement in jail for term not to exceed 180 days or both fine and confinement; 180-day suspension or driver's license.

Furnishing alcohol to a minor

Fine not to exceed $2,000; confinement in jail for term not to exceed 180 days; or both such fine and confinement.


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

• Area agencies include: o Addiction Counseling: Rock Springs (512) 819-9400, Life Steps (512) 246-9880, The Arbor (844) 751-0024. o Abuse Hotlines: National Sexual Assault Hotline (800) 656-4673, Love is Respect Hotline

(866) 331-9474, National Domestic Violence Hotline (800) 799-7233.

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.

• 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 summary 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 Academy annually notifies students of their rights under The Family Educational Rights and Privacy Act (FERPA) in the Annual Notice. The full policy can be found in the Student Handbook.

• 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 and the student’s personally


identifiable information (PII). • All students attending The Academy have the right to review their education records and request a

change to their records, seek to amend inaccurate information in their records and to provide consent for the disclosure of their records or the disclosure of PII.

• A student should submit a written request to inspect their file to the admissions office. A separate request must be submitted each time the student requests information from their file.

o The Admissions Director will make arrangements for access and notify the student of the time and place where their records may be inspected.

o These rules apply to all education records The Academy keeps, including admissions records, academic records as well as any financial aid records pertaining to the student.

• FERPA gives parents of dependent students under IRS rules, certain rights with respect to their children's education records.

o IRS Dependent definition: a student is considered dependent if they are listed as dependent on their parent’s income tax returns. If the student is dependent as defined by the IRS, disclosure may be made to either parent, regardless of which parent claims the student as a dependent.

o A parent is person that the state affirms as a parent(s), such as on the child’s birth certificate. 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. 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.

o 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. The parent/ guardian, each time records are requested for a dependent student file, must submit a separate written request. 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, including PII information.

• The written consent must state the purpose of the disclosure, specify the records that may be disclosed, identify the party or class of parties to whom the disclosure may be made, and be signed and dated.


• However, The Academy may disclose student 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 State and local agencies; 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; 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; however, The Academy will make a

reasonable effort to notify the student of the order or subpoena in advance of compliance by following guidelines from the U.S. Department of Education’s Family Policy Compliance Office (FPCO).

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, US Comptroller General or US Attorney 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 VI, on (Month/Day/Year) to determine compliance with financial aid requirements, under 34 CFR Part 99.31(a)(4).”

• The HEA prohibits nongovernmental researchers or policy analysts from accessing PII from NSLDS and prohibits the use of NSLDS data for marketing purposes. It is important to note that these prohibitions are applicable to all NSLDS data, including NSLDS data received by institutions via the ISIR.

• 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.


• The Academy follows the requirements for Privacy of Health Records (HIPPA) when it applies. • 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 Phone: 202-260-3887 Email: [email protected]

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.

• 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. • Tuesday Wilson, 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 includes 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 / operations director and /

or owner’s office 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 ISIRS 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.

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 owner(s) take(s) reasonable precautions when selecting educators and administrative staff and support staff.

o Financial Aid Administrators are bonded employees. 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 training 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 GEMCOR as third party servicer. o Mashay Taylor, FAA, insures that all student financial aid records are kept secure. o Tuesday Wilson, Director/Owner insures that all student and prospective student admissions

records are kept secure. RISK ASSESSMENT PLAN (RAP)

• Risk Management o Assessment all areas of risk on an ongoing basis. o Conduct risk assessments and evaluations of current procedures

• Policy Management o Security goals and objectives are consistent with Academy policies o Current Policies and procedures are reviewed on a regular basis for effectiveness or areas that

may need improvement. o Developed a baseline of existing security measures

• Development o Defined leadership necessary in growing an ongoing effective strategy to negate identity theft

• Managing o Technology infrastructure that contains student / salon area guest private information o Tested safeguards to control the risk o Hires a capable Third Party Servicer to oversee / assist in the student’s financial aid

• Oversight o Creates awareness / education of and ongoing training to keep all staff alerted to updated security

measures


• Organizing Information Security o Limiting the number of staff who have access to private secured consumer information o Password protection for computers o Bonded employees

• Asset Protection / Listed in priority o Defined assets take on many forms

§ Student body § Staff § Salon area guests § Teaching material and curriculum § Franchise policies and procedures § Franchise documents § Teaching material and curriculum

• Environmental Safety o Threats are defined as assets that security programs must protect against for unwanted intrusion of

confidential information o Threats can come from internal and external sources

• Protection of / Deterrence / Detection / Response / Action o Protection of:

§ Effective daily staff communication and at staff meetings § Documentation of discussions in staff meeting minutes

o Deterrence § Basic element of security protection § Goal-prevent and protect from security breach being attempted § Academy Security cameras aid in deterrence

§ Cameras place where all student records and computers are located o Detection / Response / Action

§ Awareness so detection can occur promptly § Response by trained staff § Once potentially fraudulent activity is detected, an employee must act quickly as a rapid

appropriate response can protect customers and The Academy from damages and loss. § Once potentially fraudulent activity is detected, gather all related documentation and write a

description of the situation. Present this information to the department Director § The department Director will complete additional authentication to determine whether the

attempted transaction was fraudulent or authentic. o If a transaction is determined to be fraudulent, appropriate actions must be taken immediately.

Action may include: § Canceling the transaction § Notifying and cooperating with proper law enforcement § Notifying the actual customer that fraud has been attempted

o If transaction is determined to be authentic, action will be taken to notify all parties affected in the case of a unexpected security breach

• Overseeing Service Providers o The Academy takes reasonable steps to select and retain services from providers that are

capable of safe guarding PII information. • Evaluation and Adjustment

o How The Academy evaluates and makes adjustments in light of required testing and monitoring as well as material changes to operations or business arrangements or other circumstances that would have a material impact on The Academy’s information security program.

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 sending an

email to [email protected] using their own email address or via an anonymous email service.

• 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 five 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 full version of the Misrepresentation Policy of Truth and Candor is found as an attachment to the Student Handbook located in the Admissions Office.

• 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’Oréal 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. • 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).


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.tspageorgetown.com

Name of GE Program SOC Code O*Net Website Link Hairdresser, Hairstylists

Cosmetologists 39-5012.00 https://www.onetonline.org/link/summary/39-

5012.00