bbin信誉网站财政援助办公室的员工应在其职责管理的各个方面保持最高的行为标准, 具体包括在处理以任何方式涉及财政援助的任何实体时所执行的所有职责. This pertains regardless of whether said entities are involved in a government-sponsored, 受资助或规管的活动.
任何直接或间接参与经济援助的bbin信誉网站员工都应该:
- Never take any action for his or her personal gain or benefit.
- Never take any action that he or she believes is or might be contrary to law, regulation or the best interests of the students and parents we serve.
- 在任何情况下, 确保提供给学生和家长的信息是准确和公正的，不反映任何因实际或潜在的个人或机构利益而产生的偏好.
- 在任何情况下，都要客观地做出决定，并就任何涉及学生经济援助的机构向学院提供建议.
- Never solicit or accept anything from an entity involved in the making, 持有, 合并或处理任何学生贷款, 包括任何有价值的东西, 包括偿还在咨询委员会任职或作为任何此类实体或由任何此类实体赞助的培训活动的一部分的费用.
- 始终向学院披露任何涉及经济援助任何方面的实体的参与或兴趣.
道德原则声明
bbin信誉网站遵守全国学生财政援助管理人员协会(NASFAA)的道德原则声明.
The statement provides that financial aid professionals shall:
- Be committed to removing financial barriers for those who wish to pursue postsecondary learning.
- Make every effort to assist students with financial need.
- Be aware of the issues affecting students and advocate their interests at the institutional, 州一级和联邦一级.
- 支持鼓励学生的努力, 早在小学的时候, to aspire to and plan for education beyond high school.
- Educate students and families through quality consumer information.
- Respect the dignity and protect the privacy of students, and ensure the confidentiality of student records and personal circumstances.
- 通过在机构的所有学生经济援助申请人中一致地应用所有需求分析公式来确保公平.
- Provide services that do not discriminate on the basis of race, 性别, 种族, 性取向, 宗教, 残疾, 年龄或经济状况.
- Recognize the need for professional development and continuing education opportunities.
- 促进思想和意见的自由表达, and foster respect for diverse viewpoints within the profession.
- Commit to the highest level of ethical behavior and refrain from conflict of interest or the perception thereof.
- 保持最高的专业水平, reflecting a commitment to the goals of the National Association of Student 金融援助 Administrators.
学生贷款行为准则
Prohibition against remuneration to bbin信誉网站
bbin信誉网站不会bbin信誉网站办, accept or agree to accept anything of value from any lending institution, 担保机构或服务机构，以换取贷款机构提供的与其学生贷款活动有关的任何利益或对价.
这项禁令包括但不限于:
- 收益分成协议
- Any computer hardware which bbin信誉网站 pays below market prices
- Any computer software used to manage loans unless the software can manage disbursements from all lenders
- 任何印刷费用，邮资或服务
This does not prevent bbin信誉网站 from soliciting, 接受或同意有利的条款和条件，其中利益直接给学生借款人.
Prohibition against remuneration to bbin信誉网站 employees
bbin信誉网站 will require and enforce that no officer, 受托人, 导演, 学院的员工或代理人将在任何12个月内代表他或她自己或代表他人接受超过名义价值的任何东西, 或代表任何借贷机构, 担保机构或服务机构.
这项禁令将包括, 但不限于, a ban on any payment or reimbursement from any lending institution, 担保机构或服务机构 to college employees for lodging, meals or travel to conferences or training seminars.
这并不排除任何官员, 受托人, 导演, 学院雇员或代理人不得因与贷款机构进行非学院业务而获得报酬, 担保机构或服务机构 or from accepting compensation that is offered to the general public.
这一禁令并不妨碍学院成为任何非营利性专业协会的会员.
禁止送礼
参与财务援助办公室事务的bbin信誉网站员工不得向贷款人索取或接受任何礼物, 教育贷款担保人或服务机构.
“礼品”的定义包括但不限于:
- 任何形式的小费, 忙, 折扣, 娱乐, 热情好客, loan or other item having more than a token monetary value. 这个词包括服务的礼物, 运输, 住宿或膳食, 是否以实物提供, 通过购买门票, 预付款, or reimbursement after the expense has been incurred.
The following items would not be considered to be “gifts”:
- 标准材料, 与贷款有关的活动或项目, 默认的厌恶, 默认的预防, 或者金融知识, 比如宣传册, 工作坊或培训.
- 食物, 点心, training or informational material furnished to any officer, 受托人, 董事或大学雇员, as an integral part of a training session that is designed to improve the service of a lender, 教育贷款担保人或服务机构 to the institution, if such training contributes to the professional development of the officer, 受托人, 董事或雇员.
- 有利的条件, 提供给受院校聘用的学生的教育贷款的条件及借款人利益(如有), conditions or benefits are comparable to those provided to all students of the institution.
- 为借款人提供出入境咨询服务，履行机构的出入境咨询职责，前提是:
- The institution’s staff are in control of the counseling (and)
- Such counseling does not promote the products or services of any specific lender.
- 与教育贷款无关的慈善捐款，或与教育贷款无关的任何利益交换.
- State education grants, scholarships or financial aid funds administered by or on behalf of a state.
禁止给家人送礼
给任何军官家属的礼物, 受托人, 董事或大学雇员 will be considered a gift to said any officer, 受托人, 如果:
- The gift is given with the knowledge and acquiescence of the officer, 受托人, 董事或学院雇员(及)
- 军官, 受托人, 主管或大学员工有理由相信该礼物是由于该官员的官方职位而赠送的, 受托人, 董事或大学雇员.
Limits of college employees participating on lender advisory boards
bbin信誉网站 will require and enforce that no officer, 受托人, 学院董事或雇员不得因担任任何借贷机构顾问委员会的成员或参与者而收取任何报酬, 担保机构或服务机构 or receiving any reimbursement of expenses from said participation.
这并不排除任何官员, 受托人, 董事或雇员 from participating on any lender advisory board that are unrelated to student loans. 这并不排除任何bbin信誉网站的员工不参与财务援助办公室的事务，从一个公开交易或私人控股公司的董事会任职.
禁止订立合约安排
任何官, 受托人, 禁止董事或雇员接受贷款人的任何形式的付款，以换取与教育贷款有关的任何类型的咨询服务.
- 这并不妨碍机构中任何与学生贷款无关的人加入这些协议.
- 这并不妨碍任何不在财政援助办公室工作的人以书面形式签署这些协议，这些人对学生贷款负有一定的责任, recuse him or herself from any decision regarding educational loans.
- 如果个人回避有关教育贷款的任何决定，这并不妨碍任何人担任机构的董事会或受托人.
禁止收入分成协议
bbin信誉网站 will not enter any revenue sharing agreement where:
- 贷款人提供或发放一笔已作出的贷款, insured or guaranteed under this title to students attending the institution or to the families of such students; and
- 该机构推荐出借人，作为交换，出借人支付费用或提供其他物质利益.
禁止为私人贷款提供资金
bbin信誉网站不会要求或接受任何协议或提供资金的私人贷款，以换取让步或承诺:
- A specified number of loans made, insured or guaranteed.
- 指定的贷款额.
- 优先贷款人安排.
禁止提供人员协助
bbin信誉网站不会要求或接受任何贷款人在呼叫中心人员配备或财务援助办公室人员配备方面的任何帮助. 这不包括:
- Professional development training for financial aid administrators.
- 教育咨询材料, financial literacy materials or debt management materials to borrowers, 前提是这些材料向借款人披露了协助准备或提供这些材料的任何贷款人的身份.
- 短期人员配置服务, nonrecurring basis to assist the institution with financial aid-related functions during emergencies, including state-declared or federally declared natural disasters.
与借款人互动
bbin信誉网站 does not have a preferred lender list.
- bbin信誉网站不会分配, 通过奖品包装或其他方式, 借方向某一特定贷方提供的贷款. The student will select their lender and notify bbin信誉网站.
- bbin信誉网站不会因为借款人选择了特定的贷款机构或担保机构而拒绝或延迟任何贷款的认证.