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Disclosure Requirements Relating to Education Loans

Higher Education Act of 1965
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Disclosure requirements relating to education loans

Student Loan Information Published by the Department of Education

Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided.  The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs.  Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system.  Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

Notice of Federal Student Financial Aid Penalties for Drug Law Violations

Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)).

Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitaiton program that complies with certain criteria established by the Department of Education.

Code of Conduct for Education Loans

Private Education Loan Disclosure

ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form. These forms are available upon request from Student Financial Services.

Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured.  They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.