Cleveland Student Consumer Information
The information on this page is provided to prospective and current students as required by federal law through the Higher Education Opportunity Act (Public Law 110-315).
General Institutional Information
Privacy of Student Records
The School may disclose personally identifiable information from the educational records of one of its students without the written consent of the student only when so permitted under FERPA.
Transcripts of academic records shall contain only information relevant to academic performance and shall be available only to authorized persons. Students are free to examine copies of their own academic, routine, and disciplinary records kept by the School. Information from disciplinary files, if any, shall not be given to any unauthorized person. In all cases in which persons other than University officials request to see such records, authorization shall be given only (a) by the Campus Director; (b) when the student consents or such consent can be implied; or (c) for other legitimate reasons.
Any student who desires to challenge the accuracy of his or her record shall follow the following procedure: (a) the student must submit to the School’s Campus Director a written statement or challenge to the accuracy or completeness of the record setting forth specifically how the record is inaccurate or incomplete. This statement or challenge will be filed as a part of the student’s record; (b) If the student requests further action beyond the filing of the statement or challenge, he or she must confer with the Campus Director concerning the matter and attempt to resolve the matter satisfactorily, with such settlement to be in writing and included as part of the students record; (c) if the challenge is not settled by the student and Campus Director, the student shall have the right to appeal to the President of the School by filing a written request for a formal hearing with School’s main office in Cleveland, Ohio (9885 Rockside Rd., Suite 160, Valley View, OH 44125). The President’s decision, which is final, will be in writing and made a part of the student’s record.
Consumer Information on College Navigator Website
Facilities and Services Available to Students with Disabilities
The School’s facilities are handicapped accessible per the Americans with Disabilities Act requirements. Classrooms, labs, offices and restrooms are all accessible. For facilities without elevators, ground floor facilities are provided for all school activities. Due to the nature of the broadcasting medium, students with severe hearing disabilities are counseled to consider another program of study. Students with low or no vision are accommodated through a variety of software based access programs as well as daily assistance from Instructor Assistants and Graduate Assistants.
Student Body Diversity
OICB maintains a diverse student body. The gender and national origin statistics as reported on the “Fall Enrollment 2011-2012″ IPED Survey Summary are as follows:
- Male: 60%
- Female: 40%
- African American: 42%
- Asian: 0%
- Caucasian: 53%
- Latino/Hispanic: 5%
- Other: 0%
All reading materials needed for the Program are provided by the School, with the cost included in Tuition and Fees (see price of attendance below).
(Educational Programs, Instructional Facilities, and Faculty). Please refer to the School [Catalog] – hot links below.
Transfer of Credit Policies and Articulation Agreements
For information regarding transfer credits and articulation agreements, see the “Credit for Previous Training” section of our Student Catalog.
Institutional and Program Accreditation, Approval, or Licensure
The Ohio Center for Broadcasting is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). The School is also approved by the State of Ohio Board of Career Colleges and Schools and is approved for Training of Veterans
Copyright Infringement Policies and Sanctions
Pursuant to the Higher Education Opportunity Act of 2008 (HEOA), the School maintains policies designed to reduce the illegal uploading and downloading of copyrighted material through peer-to-peer (P2P) file sharing. Recognizing that the School maintains no residential facilities for students or staff, its policy focuses on the use of school owned computers and the use of its wireless networks by students while on campus, as well as making students aware of the proper use of copyrighted materials.
The School takes the following steps:
- Students are informed during orientation that copyright infringement is a violation of school policy which renders the student subject to dismissal from the program. In addition, the course syllabus includes a module focusing on the permissible use of copyrighted materials, including an overview of the fair use exceptions to copyright laws, and the penalties that may be imposed for violation.
- The School employs site blocking and other technologies on its computers designed to prohibit access to websites commonly used for illegal file sharing. For students who use their own computers connected through the School’s networks, bandwidth monitoring software is employed to reduce efficiency to the point that peer-to-peer and other transfer mechanisms are rendered ineffective.
- The School responds immediately upon receipt of notice of alleged copyright infringement pursuant to the provision of the Digital Millennium Copyright Act. Such responses may include honoring any legitimate take-down request received for content hosted in any way by the School.
- Alternatives to the use of copyrighted music are provided to students for projects, etc. through a library of non-licensed music which is submitted by authors who grant specific permission for their work to be used as part of student projects.
- Despite the technology employed to prevent improper use of School networks, students found guilty of illegal downloading are immediately denied access to the school’s networks, are subject to dismissal from the program, and are further subject to fines and penalties under law.
Computer User Agreement
Ohio/Illinois Center for Broadcasting Computer User Agreement
All eligible individuals who wish to use the computing resources are required to read and accept this agreement and are expected to follow the guidelines for acceptable computer use described below.
The use of the computer facilities is granted to the undersigned only. The undersigned shall not allow another person to use his or her username and password. The School’s computing resources are provided for academic purposes, including education and research.
It is prohibited to use computing resources to:
- infringe on another’s right to privacy or that otherwise negatively affects other users.
- violate usage restrictions imposed by the School’s software, hardware, or other technology licenses;
- violate School policies or local, state, or federal statutes.
Prohibited uses include (but are not limited to):
- intentional creation or distribution of viruses, worms or other malware;
- abuse of printing privileges, such as printing under a false username or in unreasonable volumes;
- sending obscene, abusive, harassing, or threatening messages;
- unauthorized access to someone else’s account, use of someone else’s username and password, or unauthorized access of remote computers via the School’s network;
- unauthorized reading, copying, deleting, or modification of someone else’s electronic materials including class projects and email;
- intentionally damaging hardware, network equipment, security devices or other technology resources
- unauthorized use, duplication, or sharing, of copyrighted materials, such as music, images, text, multimedia, commercial software, etc.
The School’s administration, staff, student employees, and students have varying levels of access to electronic information that may be sensitive and confidential and considers the protection of this information from unauthorized use to be extremely important. A students failure to follow these guidelines may result in both disciplinary and legal action.
By law, some student-related data may not be released without proper authorization. You must adhere to all applicable federal and state laws concerning storage, retention, use, release, and destruction of data.
Confidential data shall be used only as required in the performance of School duties. You may not inspect, copy, alter, delete, share, grant access to, or in any other manner use such information, except as required in the performance of your job duties. You are responsible for the security, privacy, and control of data in your care, access privileges entrusted to you, and your username/password. If you have reason to believe that your username/password is known by or has been used by another person, you should immediately notify the Corporate IT Director. You must take every reasonable precaution to prevent unauthorized access to confidential data. Such data shall not be presented or shared inside or outside the School without prior approval from the appropriate supervisor or senior officer. Confidential data should never be left on any computer to which access is not controlled.
When using the School’s electronic information systems, you should exercise care to protect data from unauthorized use, disclosure, alteration, or destruction. You must understand the definition of confidential information in the context of your job responsibilities and take steps to ensure that your co- workers, staff, and student employees understand existing statutes and policies (such as FERPA, HIPAA, Donor Bill of Rights, Digital Millennium Copyright Act, etc., and School departmental guidelines that may supplement this agreement).
Illegal Copying of Software and Other Copyrighted Materials
Respect for intellectual labor and creativity is vital to the educational process. This principle applies to works of authors, artists, and publishers in all media including text, music, images, and software. Because electronic information can be easily accessed and reproduced, respect for the work and personal expression of others is especially critical.
Copyright infringement and unauthorized access to digital materials may be grounds for legal action. Use of illegally copied software or other materials undermines the School’s ability to negotiate favorable software agreements and may result in legal action against the user as well as the School. OICB prohibits the illegal use of copyrighted materials. Under the terms of the Digital Millennium Copyright Act (DMCA), the School is committed to respond to lawful requests for information. OICB will not protect or defend a user against criminal investigations or lawsuits resulting from intentional copyright infringement.
Under certain circumstances, administration and staff may be charged a fee in the event that School-provided computing equipment in their care is lost, stolen, or damaged beyond repair.
Storage and Transmission of Electronic Materials
The School respects individuals’ right to privacy and takes steps to prevent unauthorized access to electronic materials stored or transmitted via the School’s computers and network equipment. However, OICB reserves the right to examine such materials at its sole discretion in certain cases, for example, when it believes that there is a potential violation of a law or of School agreement. Users are reminded that the storage and transmission of electronic materials, including email, can be disrupted by hardware and software failure as well as by hacking or other unauthorized access.
Failure to Comply
The School will suspend or revoke the computing privileges of anyone who violates this agreement. This agreement is reviewed on an annual basis by the School and is subject to change without notice.
Ongoing use of the School’s computing resources implies your acceptance of the most current version of this agreement. Users who decline to accept the current version will be prohibited from using computing facilities and services.
By accepting this agreement, the user acknowledges that he or she has read, understands, and agrees to comply with its provisions and other policies governing the use of OICB computing and networking resources. This agreement covers all computing equipment and networks owned by the School as well as use of the network by computers owned by individual staff members or students.
I have read and understood the provisions and restrictions described above and other policies governing the use of OICB computing resources referenced in this agreement. I understand that the agreement covers all computing resources owned by the School as well as use of the School’s network by devices not owned by the School or remotely accessing servers maintained by the School for student purposes.
I further understand that use of OICB’s computing resources is a privilege, not a right, and that if the terms of this agreement are violated the School may issue a warning, deny access to computing resources, refer for prosecution, or administer other penalties, depending upon the nature of the infraction.
Cleveland Voter Registration Forms
Student Financial Assistance and Costs
Notice of Availability of Institutional and Financial Aid Information
OICB is committed to helping students from all financial backgrounds achieve their educational goals. Approximately 95 percent of OICB students receive some form of financial aid from a variety of sources.
OICB complies with all applicable federal and state nondiscrimination laws and does not engage in prohibited discrimination on the basis of race, color, nationality or ethnic origin, religion, sex, age or disability in employment or the provision of services
The Financial Aid Office at OICB adopts the National Association of Student Financial Aid Administrator Statement of Ethical Principles for institutional financial aid professionals.
Ohio Center for Broadcasting – Cleveland – Title IV School Code: 030682
Contact Information for Assistance in Obtaining Institutional or Financial Aid Information
Contact the individual campus Financial Aid Administrator for information:
Cleveland, OH: (216) 503-5900 dtaylor@BeOnAir.com
Student Financial Aid Information
Contact information for Financial Aid Administrators is listed above. The following is the process for applying for Financial Aid:
Students are encouraged to learn about financial aid options as soon as they start investigating a post-secondary education, including the broadcasting program at OICB. We urge students to research possible outside sources of financial aid; attend college fairs and financial aid information sessions in your community; ask questions and learn all you can about the financial aid process.
Below are the steps that you should follow to complete the application process for financial aid at the Ohio/Illinois Centers for Broadcasting. A financial aid award letter will be presented to the student once a student is accepted into the program and has met with a Financial Aid Administrator.
- Complete the Free Application for Federal Student Aid (FAFSA). Complete the FAFSA as soon as possible. Your local Financial Aid Administrator can advise you which FAFSA will be required. In some cases because of available federal funding, a student will be required to submit a FAFSA for two different years (e.g. 2011/2012, and then later in the program 2012/2013). You will need a Personal Information Number (PIN) to complete the FAFSA and sign it electronically. Information can be found at www.pin.ed.gov.Ohio Center for Broadcasting – Cleveland School code: 030682
- Review and Sign your Award Letter. You may accept or reject any portion of the financial aid offer by checking (A) for “Accept” or (D) for “Decline.” You may choose to reduce the amount of loan you wish to borrow by writing in a new, lower amount and signing your initials by the new dollar amount. Students are encouraged not to borrow any more funds than absolutely necessary. Students ordinarily sign their award letter when meeting with their Financial Aid Administrator. You should keep a copy of your award letter in your personal files.
- Complete a Direct Master Promissory Note. If this is the first time you are requesting a Direct Loan while at OICB, you will need to complete a Master Promissory Note. Please complete this at https://studentloans.gov. You will need your federal PIN for this as well.
- Complete Direct Loan Entrance Counseling. Before a Direct loan can be applied to your student account, federal regulations require that you complete entrance counseling. Entrance Counseling provides information about how to manage your student loans both during and after college. Please complete this at https://studentloans.gov. This also requires your PIN.
Notice of Federal Student Financial Aid Penalties for Drug Law Violations
Students that are convicted 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 of sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study study assistance (HEA Sec.484(r)(1)); (20 U.S.C. 1091(r)(1))
General Institutional Information
Privacy of Student Records
Family Educational Rights and Privacy Act (FERPA) The Family Educational Rights and Privacy Act is also known as the Buckley Amendment. It is a federal law that protects the privacy of student educational records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.
FERPA gives parents certain rights with respect to their children’s education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Under FERPA, students have the right to:
- Inspect and review their educational records,
- Request an amendment of their educational records to ensure that the records are not inaccurate,
- Consent to disclosure of personally identifiable information contained in their educational records,
- File with the U.S. Department of Education a complaint regarding an alleged violation under the FERPA act or its implementing regulations, The department’s address is Family Policy Compliance Office; U.S. Department of Education; 400 Maryland Avenue, S.W.; Washington, DC 20202-4605.
- Obtain a copy of the School’s student records policy (see below)
- For additional information on FERPA, visit the U.S. Department of Education website
Price of Attendance
Tuition at the Cleveland campus is currently $15,948. Tuition charges are divided evenly between the three quarters. All students also pay a $125 Enrollment Fee. Books and lab fees are included in tuition charges. Students ordinarily pay less than $50 for necessary supplies. In addition to this, students are required to purchase headphones which could cost between $20 -$150. The Cost of Attendance used for all students at the campus, which includes indirect costs such as room and board, transportation, personal expenses, and loan fees, as well as the direct costs (tuition, fees, supplies) is shown below:
Net Price Calculator
For the Cleveland Campus Net Price Calculator – Click Here
Refund Policy, Requirements for Withdrawal and for the Return of Title IV, HEA Financial Aid
OHIO Campuses (Cleveland/Columbus/Cincinnati)
All students who withdraw from OICB are subject to a state tuition refund policy established by the state in which their campus is located. The appropriate state laws are identified below. All students who receive any Title IV funds (Direct loans, Pell Grant, SEOG grant) are also subject to a federal calculation of the aid to which they are entitled. To summarize the difference between these two calculations: the state calculation informs the school of the maximum amount of tuition a student can be charged, based on the period of time the student was enrolled in the term during which they dropped; the federal calculation (referred to as R2T4 – the Return of Title IV funds) determines what portion of Title IV funds the student earned and is entitled to keep, and what portion needs to be returned to the government (U.S. Department of Education). Students are advised that it is possible that their bill for the term during which they drop might be paid in full at the time they drop, and yet after the required state and federal calculations (and subsequent credits and/or return of funds) they may have an outstanding balance due and payable to OICB.
A. A student may cancel his/her enrollment at any time before the commencement of classes.
- All monies paid the student will be refunded if cancelled within six (6) business days after signing the enrollment contract and making initial payment, and before starting School.
- A student requesting cancellation after six (6) business days, but before starting classes, shall be entitled to a refund of all monies paid to the School, minus the $125.00 registration fee.
- Students who have not visited the School facility prior to enrollment will have the opportunity to withdraw without penalty within three (3) days following either attendance at a regularly scheduled orientation or following a tour of the School facilities and inspection of equipment.
- Tuition and fees are charged by the term. A Student is not responsible for tuition beyond the term he/she is currently attending. The School will calculate any refund of unearned tuition and fees according to the following:
(1) The following State of Ohio refund policy will apply for a student who withdraws.
a. A student who starts classes and withdraws during the first calendar week of the academic term shall be obligated for twenty-five percent (25%) of tuition and refundable fees for that period plus the registration fee.
b. A student who withdraws during the second full calendar week of the academic term shall be obligated for fifty percent (50%) of the tuition and refundable fees for that period plus the registration fee.
c. A student who withdraws during the third full calendar week of the academic term shall be obligated for seventy-five percent (75%) of the tuition and refundable fees for that period plus the registration fee.
d. A student who withdraws beginning with the fourth full calendar week of the academic term will not be entitled to a refund of any portion of the tuition and fees.
(2) Students receiving financial assistance under the Federal Title IV programs (PELL, Direct Student Loans) are subject to Federal regulations that determine the amount of Title IV funds they are eligible to retain subsequent to withdrawal. Only Federal Financial Aid recipients withdrawing within the first 60% of the term are subject to these regulations.
The Return of Title IV Aid regulations require that the School calculate the amount of Federal Aid that the Student has earned up to the time of withdrawal. Students earn aid in proportion to the amount of the term that they complete. For example, if a Student completes 14.5% of the term (calculated by dividing the number of days up to the last date of attendance by the number of days in the term), then the Student earns 14.5% of his/her Federal Title IV aid that could have been disbursed. After calculating the amount of aid earned, the School must then determine if any unearned aid must be returned to the Federal Government, or if the Student is eligible for any additional Federal Aid. Further explanation, including examples illustrating the application of the School’s tuition and fees adjustment policy and the Return of Title IV Aid regulations, can be obtained from the Financial Aid Office.
ALL NON-TITLE IV REFUNDS WILL BE MADE WITHIN 30 CALENDAR DAYS OF THE DATE IT IS DETERMINED THAT THE STUDENT HAS WITHDRAWN, WHICH SHALL NOT EXCEED 14 CALENDAR DAYS FROM THE LAST DATE OF ATTENDANCE. TITLE IV REFUNDS WILL BE MADE WITHIN 45 CALENDAR DAYS OF THE DATE IT IS DETERMINED THAT THE STUDENT HAS WITHDRAWN, WHICH SHALL NOT EXCEED 14 CALENDAR DAYS FROM THE LAST DATE OF ATTENDANCE.
State Grant Assistance
Students at OICB are not currently eligible for need-based State grant assistance from the states of Ohio, Illinois, or Colorado.
Student Loan Information Published by Dept of Education
FEDERAL PELL GRANT
This program is designed to provide a floor upon which other financial aid programs are built. Recipients cannot already have a baccalaureate degree and must be enrolled in an undergraduate program. The maximum Pell Grant award changes annually; the current maximum award is $5550.
FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (FSEOG)
The FSEOG is a federal grant designed for students with high need, as is awarded only to students who are eligible for a Federal Pell Grant. The FSEOG is campus based aid, meaning the federal government allots the aid to the school, rather than to the individual student—the school then awards the aid to individual needy students, in accordance with established packaging procedures.
OICB does not participate in the other campus-based aid programs, Federal Work-Study and Federal Perkins Loans.
DIRECT FEDERAL STAFFORD STUDENT LOAN
This program enables students to borrow money for educational expenses through the Direct Loan program, funded by the US government. Applicants must be U.S. citizens or permanent residents, and meet other general eligibility criteria. The Direct Federal Stafford Loan Program has two types of loans: The Subsidized Loan (for which the Government pays the interest while the student is in school), and the Unsubsidized Stafford (the student is responsible for the interest while enrolled, but may choose to capitalize it).
All students at OICB are considered first year students, regardless of prior credits earned at other institutions, including the awarding of a bachelor’s or graduate degree. For grade level one dependent students, including in certificate programs, the maximum annual loan limit is $5500 in Direct loans, of which up to $3500 per academic year may be a subsidized Stafford and the remaining portion (typically $2000) is additional unsubsidized Stafford loan. For independent students, and for dependent students whose parents have been denied a PLUS Loan, there is eligibility for an additional $4000 of unsubsidized Stafford per year (a total of $9500). It is the policy of OICB that a parent of a dependent student must apply for a Direct PLUS loan and be denied before the additional $4000 unsubsidized loan will be awarded.
The parent may apply directly on the www.studentloans.gov website; the parent must give written permission for the FAA to provide the credit check.
There are two types of Direct Stafford Loans, subsidized and unsubsidized. The interest rate is 3.86% for 2013-2014. The federal government pays the interest on the subsidized loans while the student is in school, but the student pays the interest (or has it capitalized) on the unsubsidized loan. The subsidized loan is need-based while the unsubsidized is not. The amount of the subsidized and the unsubsidized together cannot exceed the aggregate limits.
Repayment of all Stafford Loans begins 6 months after graduation, termination, or whenever the student ceases to be enrolled as at least a half-time student. All students at OICB are enrolled full-time, with the exception of students who remain enrolled through the 50 weeks of the program but do not meet all the requirements for graduation. According to ACCSC, those students have an additional 90 days to complete any remaining requirements. During that period of up to 90 days, the student’s official enrollment status will be less than half-time. The minimum monthly repayment amount is $50, or $600 per year. The maximum term of repayment is generally ten years, though a variety of repayment options exist to assist the students in the timely repayment of their student loan obligations.
For unsubsidized Stafford Loans, the student may choose to capitalize the interest rather than pay it while he or she is in school. The servicer adds the total amount of accrued interest to the principal for repayment after the student leaves school.
DIRECT FEDERAL PLUS
The Direct PLUS is a loan for the parent of a dependent undergraduate student, and provides additional funds for educational expenses. The interest rate for this loan is fixed at 6.41% for 2013-2014.
The Direct PLUS program enables parents of dependent students to borrow up to the cost of attendance minus other aid for each of the parents’ children enrolled at least half time. There is no aggregate limit to the Direct PLUS program. However, eligibility is determined by a credit check. As a general rule, the current ED guidelines for the credit check does not take into account anything other than adverse credit. The lack of income or assets, a high debt-to-income ratio, a 0 EFC or other traditional factors that might evaluate the ability to repay a loan are not taken into account and cannot be used to circumvent the requirement that the parent of a dependent student apply for a Direct PLUS loan and be denied before the awarding of the additional $4000 unsubsidized loan.
Direct PLUS repayment is monthly, ordinarily beginning immediately after the loan is full disbursed. The total repayment period may be up to ten years, depending on the amount of the loan. Direct PLUS borrowers can defer repayment of PLUS loan principal while the dependent student for whom they borrowed the PLUS loan is in school and for a six-month grace period after the student graduates or ceases to be enrolled at least on a half-time basis. The Direct PLUS loan is not subsidized, so the borrower must either pay the interest or have it capitalized during periods of deferment of the loan principal.
Every student loan borrower signs a Master Promissory Note (MPN), which is a legal document stating the student’s or parent’s intent and obligation to repay the loan. Borrowers who default on their loans will find a number of adverse effects: Their credit rating will be damaged, their school academic transcripts may be held, the IRS will withhold any federal income tax refunds, and the borrower will not be permitted to receive financial aid from any source at any institution, for either undergraduate or graduate education.
National Student Loan Data System
Federal Student Loans
For information about a complete listing of Federal Student Loans (National Student Loan Data System – NSLDS) click on www.nslds.ed.gov. You will need your federal PIN to access this information. You will also use this site to complete your required Exit Counseling for your Direct Loans.
Entrance Counseling for Student Borrowers
If you are a first-year borrower with the William D. Ford Federal Direct Stafford Loan program, you will need to complete entrance counseling. This is where you may complete online entrance counseling. To complete online entrance counseling, you will need your Personal Identification Number (PIN) obtained from the U.S. Department of Education or your name, Social Security number, and date of birth. (Your PIN is the same number you used to complete your Free Application for Federal Student Aid (FAFSA) online. If you did not complete a FAFSA online, do not have a PIN, or have misplaced your PIN, visit the U.S. Department of Education’s PIN site.) Entrance counseling is done on the same website where you complete your Master Promissory Note, www.studentloans.gov. Entrance counseling must be completed before your loan will disburse to your account.
Exit Counseling for Student Borrowers
All students who have borrowed any Federal loans while enrolled at OICB are required to participate in Exit Counseling prior to terminating their enrollment OICB. Typically students who are about to graduate are given specific information in class about their loans, repayment and deferment options, the consequences of default, etc. Students who withdraw from OICB are also required to participate in exit counseling. In addition to printed materials distributed to students through a variety of means, students are also instructed to complete the required exit counseling online at www.nslds.ed.gov.
Code of Conduct for Education Loans
The Ohio and Illinois Centers for Broadcasting (OICB), as a participant in the William D. Ford Direct Loan Program (DL), and offering private educational loans to its students, has adopted a Code of Conduct, in compliance with section 487(a) (25) of the HEA of 1965.
The goal of the OICB financial aid office is to provide the highest quality service in the most efficient and timely manner possible, while upholding the mission of the institution, and acting with integrity. We willingly adhere to the following ‘Code of Conduct.’ All officers, employees and agents of the OICB Financial Aid Office have read and willingly agreed to adhere to the Code of Conduct.
1. OICB will not enter into a revenue-sharing agreement with any lender. A “revenue-sharing arrangement” is defined to mean any arrangement made between an institution and a lender under which the lender makes Title IV loans to students attending the institution (or to the families of those students), the institution recommends the lender or the loan products of the lender and, in exchange, the lender pays a fee or provides other material benefits, including revenue or profit-sharing, to the institution or to its officers, employees or agents.
2. OICB embraces a ban on the employees of the financial aid office receiving gifts from a lender, guaranty agency or loan servicer. No officer or employee of the OICB financial aid office, (or an employee or agent who otherwise has responsibilities with respect to educational loans) will solicit or accept any gift from a lender, guarantor, or servicer of education loans. A ‘gift’ is defined as any gratuity, favor, discount, entertainment, hospitality, loan, or other item having monetary value of more than a de minimus amount. However, a gift does not include (a) a brochure, workshop, or training using standard materials relating to a loan, default aversion, or financial literacy, such as a brochure, workshop, or training; (b) food, training, or informational material provided as part of a training session designed to improve the service of a lender, guarantor, or servicer if the training contributes to the professional development of the institution’s officer, employee or agent; (c) favorable terms and benefits on an education loan provided to a student employed by the institution if those terms and benefits are comparable to those provided to all students at the institution; (d) entrance and exit counseling as long as the institution’s staff are in control of the counseling and the counseling does not promote the services of a specific lender; (e) philanthropic contributions from a lender, guarantor, or servicer that are unrelated to education loans or any contribution that is not made in exchange or advantage related to education loans; (f) State education grants, scholarships, or financial aid funds administered by or on behalf of a State.
3. OICB embraces a ban on contracting agreements. No officer or employee of the OICB financial aid office (or employee or agent who otherwise has responsibilities with respect to education loans) will accept from a lender, or an affiliate of any lender, any fee, payment, or other financial benefit as compensation for any type of consulting arrangement or contract to provide services to or on behalf of a lender relating to education loans.
4. OICB embraces a prohibition against steering borrowers to particular lenders or the delay of loan certifications. OICB will not refuse to certify, or delay the certification, of any loan based on the borrower’s selection of a particular lender.
5. OICB embraces a prohibition on offers of funds for private loans. OICB will not request or accept from any lender any offer of funds for private loans, including funds for an opportunity pool loan, to students in exchange for providing concessions or promises to the lender for a specific number of Title IV loans made, insured, or guaranteed, a specific loan volume, or a preferred lender arrangement. An ‘opportunity pool loan’ is defined as a private education loan made by a lender to a student (or the student’s family) that involves a payment by the institution to the lender for extending credit to the student.
6. OICB bans the use of staffing assistance from lenders. OICB will not request or accept from any lender any assistance with call center staffing or financial aid office staffing, except that provided by a lender that involves professional development training, educational counseling materials (as long as the materials identify the lender that assisted in preparing the materials), or staffing services on a short-term, nonrecurring basis during emergencies or disasters.
7. OICB adopts a ban on advisory board compensation. An employee of the OICB financial aid office (or employee who otherwise has responsibilities with respect to education loans or financial aid) who serves on an advisory board, commission, or group established by a lender or guarantor (or a group of lenders or guarantors) is prohibited from receiving anything of value from the lender, guarantor, or group, except for reimbursement for reasonable expenses incurred by the employee for serving on the board.
Private Education Loan Disclosures, Preferred Lender Lists and Arrangements
Some families turn to private (sometimes called alternative loans) when Federal loans do not provide adequate financial resources to cover the student’s educational expenses. Alternative loans may also provide more flexible repayment arrangement, such as when a parent may be willing to cosign a loan for a student but expects the student to bear primary responsibility for repaying the loan. There are alternative loans that allow a cosigner to be removed from a loan after a specified number of consecutive, on-time payments.
Eligibility for private loans depends on a student’s credit score. The financial challenges faced throughout our nation in recent years has made it increasingly difficult for students to obtain private educational loans. This is especially the case for younger students who have not established a substantial credit history. In addition, lenders sometimes limit their educational lending to students enrolled in a four-year degree program. Even if a cosigner is not required, students can typically receive a more favorable interest rate if they have a cosigner. Private loans tend to cost more than Direct Federal loans; they are typically considerably less expensive than putting tuition charges on a credit card. It is important to be aware of the total cost, including interest, fees, and points that might be charged, when considering and comparing private education loans.
OICB does not have any preferred lender lists for private loans and has made no special arrangements with preferred lenders.
PRIVATE ALTERNATIVE LOAN REQUIREMENTS EFFECTIVE FEBRUARY 14, 2010
The Higher Education Opportunity Act of 2008 (HEOA) mandated a number of changes to provide a significant amount of additional information to families who choose to utilize private educational loans. Title X of the HEOA changes the disclosure requirements for the Truth in Lending Act (TILA) for private education loans made expressly for post-secondary education expenses. These new requirements could delay the receipt of Alternative Loan approvals and disbursements.
Federal regulations require lenders to produce the following disclosures to borrowers:
Application and Solicitation Disclosure (ASD)
- The lender must provide a general range of rates and fees so the borrowers can make informed decisions when choosing a private loan lender.
- The ASD provides general information about interest rates, fees, default or late payment costs and repayment terms. In addition, it includes an example of the total cost of a loan based on the maximum interest rate offered by a lender, a defined loan amount, and calculations for each payment option.
- The ASD must also include eligibility requirements for the loan and information on alternatives to private education loans. The ASD is intended to be a tool for the applicant to use in comparing loan offers.
- Lenders are required to mail the ASD within three (3) days after a phone application is taken and they pull a credit report on the applicant.
Loan Approval Disclosure
- When an applicant is conditionally approved for a loan, the lender must send this disclosure with borrower specific rates and fees.
- The Approval Disclosure must be provided before the consummation of the loan or with any notice to the applicant that the creditor has approved the consumer’s application for a loan.
- The Approval Disclosure provides information specific to the loan being approved by the lender, including detailed information on the interest rate and itemization of fees associated with the loan application (including fees associated with late payments and defaults).
- Lenders must also provide a statement on the alternatives to private education loans through the federal student financial assistance programs. Lenders must give an applicant thirty (30) calendar days after the date on which the applicant receives the Approval Disclosure to decide to accept the offered private loan.
- Borrowers have thirty (30) calendar days to accept the loan terms offered. The borrower can accept the terms of the loan by mail, phone, or electronically.
- This is sent to the borrower after the loan terms are accepted and the school has certified the student’s eligibility for the loan. The Final Disclosure gives the borrower a “right to cancel” period of three (3) business days.
- If the applicant accepts a loan within the thirty (30) day calendar acceptance period provided in the Approval Disclosure, the lender must provide a Final Disclosure that includes updated information on the applicable interest rate, repayment terms, fees and default or late payment costs. The lender may not disburse any private education loan funds until the cancellation period has ended.
Private Education Loan Applicant Self-Certification Form
- A lender must obtain a signed and completed Private Education Loan Applicant Self-Certification Form that has been created by the U.S. Department of Education. The self-certification form will include information about the availability of federal student loans, the student’s cost of attendance, estimated amount of financial assistance, and the difference between the student’s cost of attendance and estimated financial aid.
- The borrower must complete a borrower Self-Certification Form and return to the lender. In order to complete the Self-Certification form you will need to know your Cost of Attendance and Estimated Financial Assistance.http://ifap.ed.gov/dpcletters/attachments/GEN1001A-AppSelfCert.pdf
Health and Safety
Drug and Alcohol Abuse Prevention Program
The possession, use or being under the influence of alcohol or illegal drugs will not be tolerated on the School’s premises and/or during business hours and is grounds for immediate termination of employees and suspension or dismissal of students.
OICB policy prohibits the unlawful manufacture, possession, use, sale, transfer, or purchase of a controlled substance or another dangerous drug such as a controlled substance analogue (designer drug) on or off the campus. It is also a violation of School policy for anyone to possess, use, or be under the influence of an alcoholic beverage on the campus or at a School-related activity off campus. Anyone violating these policies is subject to disciplinary action ranging from warning to expulsion.
The School makes every effort to attain full compliance with federal, state, and local laws and ordinances; to discourage the use of alcohol; to promote sobriety; and to offer confidential assistance to employees and students who seek help for substance-abuse problems. For students who seek help for substance-abuse problems, maximum confidentiality is observed.
HEALTH RISKS ASSOCIATED WITH DRUG OR ALCOHOL USE
Narcotics such as opium, morphine, and heroin can cause euphoria, drowsiness, respiratory depression, constricted pupils, and nausea. The symptoms of an overdose of narcotics are slow and shallow breathing, clammy skin, convulsions, coma, and possible death. Persons experiencing withdrawal from addiction to narcotics can experience watery eyes, runny nose, yawning, loss of appetite, irritability, tremors, panic, cramps, nausea, chills, and sweating.
Depressants such as barbiturates and quaaludes can cause slurred speech, disorientation, and drunken behavior. An overdose of a depressant results in shallow respiration, clammy skin, dilated pupils, weak and rapid pulse, coma, and possible death. Withdrawal symptoms include anxiety, insomnia, tremors, delirium, convulsions, and possible death.
Stimulants such as cocaine and crack can cause increased alertness or euphoria, an increased pulse rate and blood pressure, insomnia, and loss of appetite. An overdose of stimulants results in agitation, an increase in body temperature, hallucinations, convulsions, and possible death. Withdrawal symptoms include apathy, long periods of sleep, irritability, depression, and/or disorientation.
Hallucinogens such as LSD and amphetamines cause illusions and hallucinations and poor perception of time and distance. The effects of an overdose include psychosis and possible death.
Marijuana and hashish can cause euphoria, increased appetite, relaxed inhibitions, and disoriented behavior. The effects of an overdose include fatigue, paranoia, and possible psychosis. Withdrawal symptoms include insomnia, hyperactivity, and decreased appetite.
Alcohol consumption causes a number of marked changes in behavior. Even low doses significantly impair the judgment and coordination required to drive a car safely, increasing the likelihood that the driver will be involved in an accident. Low to moderate doses of alcohol also increase the incidence of a variety of aggressive acts, including spouse and child abuse. Moderate to high doses of alcohol cause marked impairments in higher mental functions, severely altering a person’s ability to learn and remember information. Very high doses cause respiratory depression and death. If combined with other depressants of the central nervous system, much lower doses of alcohol will produce the effects just described.
Repeated use of alcohol can lead to dependence. Sudden cessation of alcohol intake is likely to produce withdrawal symptoms, including severe anxiety, tremors, hallucinations, and convulsions. Alcohol withdrawal can be life threatening. Long-term consumption of large quantities of alcohol, particularly when combined with poor nutrition, can also lead to permanent damage to vital organs such as the brain and the liver.
Mothers who drink alcohol during pregnancy may give birth to infants with fetal alcohol syndrome. These infants have irreversible physical abnormalities and mental retardation. In addition, research indicates that children of alcoholic parents are at greater risk than other youngsters of becoming alcoholics.
COUNSELING AND TREATMENT RESOURCES
Counseling and treatment resources are provided to students and staff through the Campus Director’s Office and through Student Services. The following services are made available depending the particular need: Assessment, Referral, Therapy and Support groups. Those needing help are put in contact with the appropriate outside institution for counseling and treatment.
A student or employee found guilty of noncompliance with this policy on alcohol and other drugs is subject to sanctions commensurate with the offenses and any aggravating and mitigating circumstances.
A. Students Sanctions that may be imposed against a student are found in the Student Disciplinary Policy detailed in this handbook. They include
1. Warning Oral warning to the student that he or she is engaging in misconduct by violating school rules or policies.
2. Reprimand Written warning (included in students academic file) that continuation or repetition of misconduct may result in a more severe sanction
3. Suspension Termination of student status at the School for a specified period of time.
4. Expulsion Termination of student status at the school permanently or for an indefinite period of time.
The unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance or other mind-altering substance is prohibited at OICB.. A school employee who violates this prohibition is subject to discipline as set forth in the employment agreement and employee handbook.
As a non-residential broadcasting trade school, the School does not maintain a policy requiring student vaccinations.
(Including Emergency Response and Evacuation Procedures), Timely Warnings, and Crime Log
Cleveland: 71% as reported on the “Fall Enrollment 2011-2012″ IPED Survey Summary.
Completion/Graduation and Transfer-out Rates
(Including Disaggregated Completion/Graduation Rates) are available HERE [see below].
Because the School offers a career-training program and credits typically do not transfer to other schools, there is no specific information available concerning transfer-out rates.
Job Placement Rates
Please see Gainful Employment disclosures here