学生贷款行为准则

Educational loans are an important resource for many students and parents who borrow 帮助资助高等教育. 学生和家庭必须得到值得信赖的， reliable guidance from institutions about financial aid, including educational loans. The following guidelines are a framework to provide the best possible loan terms for the students served by 奥斯汀佩伊州立大学 and to avoid conflicts or the 利益冲突的出现.

1. 奥斯汀佩伊州立大学 shall not enter into any revenue-sharing arrangements 任何贷款人.  A revenue-sharing arrangement is defined as any arrangement between an institution and a 银行 under which the 银行 provides or issues private education loans to students attending the institution (or to the families of those students), the institution recommends the 银行 or the loan products of the 银行 and, in exchange, the 银行 pays a fee or provides other material benefits, including revenue or profit-sharing, 致机构或其官员、雇员或代理人.
2. No officer or employee of the financial aid office (or an employee or agent who otherwise has responsibilities with respect to educational loans) may solicit or accept any gift from a 银行, guarantor, or servicer of education loans. 礼物的定义是 any gratuity, favor, discount, entertainment, hospitality, loan or other item having 超过最低金额的货币价值. “礼物”一词还包括服务， transportation, lodging, or meals, whether provided in kind, by purchase of a ticket, 预付:预先付款或偿还.  “礼物”一词不包括以下内容: (1) standard material, activities, or programs on issues related to a loan; (2) food, refreshments, or training that are part of a training session to improve service if training contributes to professional development of the agent; (3) favorable terms, conditions, and borrower benefits on a private education loan provided to a student employed in the financial aid office if terms are comparable to those provided to all student employees; (4) entrance/exit counseling if school staff are in control and counseling does not promote the products of any 银行; (5) philanthropic contributions from a 银行, servicer or guarantee agency not related to or made in exchange for any advantage related to private education loans; or (6) state education grants, scholarships, 或代表国家管理的财政援助基金.
3. An employee of the financial aid office (or an employee who otherwise has responsibilities with respect to private education loans or financial aid) who serves on an advisory board, commission, or group established by a 银行 or group of 银行s is prohibited from receiving anything of value from such entities, except the employee may be reimbursed for reasonable expenses incurred by the employee for serving on such boards, commissions 或组.
4. No officer or employee of the financial aid office (or an employee or agent who otherwise has responsibilities with respect to educational loans) may accept from a 银行, or an affiliate of any 银行, any fee, payment, or other financial benefit as compensation for any type of consulting arrangement or contract to provide services to or on behalf 与教育贷款有关的贷款人的.
5. Officers or employees of the financial aid office shall not steer borrowers to particular 贷款人或延迟贷款认证.  对于任何首次借款者奥斯汀佩伊州 University will not assign, through award packaging or other methods, the borrower’s 贷款给特定的贷款人.  此外，学校不得拒绝认证。 or delay the certification, of any loan based on the borrower’s selection of a particular 银行.
6. 奥斯汀佩伊州立大学 shall not request or accept from any 银行 any offer of funds for private loans, including funds for an opportunity pool loan, to students in exchange for providing  promise of a specific number of private education loans, a specific loan volume, or a preferred 银行 arrangement for such loans.  一个机会 pool loan means a private education loan that involves a payment, directly or indirectly, by the institution of points, premiums, additional interest or financial support to the 银行 for the purpose of the 银行 extending credit to the student.
7. 奥斯汀佩伊州立大学 shall not request or accept from any 银行 any assistance with call center or financial aid office staffing, except the institution is not prohibited from requesting/accepting the following:  (1) professional development training for aid officers; (2) counseling, financial literacy, or debt management materials for borrowers as long as materials disclose that the 银行 prepared or provided the materials; or (3) staffing on a short-term, nonrecurring basis to assist with aid-related functions 在紧急情况下.
8. The university’s 银行 comparison chart shall include all 银行s used by enrolled 最近三年内的借款人. 贷款人名单应当方便 可通过校园网站获取. 所有的材料和信息都要告知学生 that they have the right to use any 银行 listed on the comparison chart or any other 他们自己选择的贷款人.

In addition to the above, 365bet 学生资助办公室 staff shall abide by the National Association of Student 金融援助 Administrator’s Statement of Ethical Principles and Code of Conduct for Institutional 金融援助 Professionals available at: http://www.nasfaa.org/subhomes/MediaCenter/NASFAACodeofConduct.pdf.