Student Consumer Information

The Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008 (HEOA), includes many disclosure and reporting requirements. A disclosure requirement is information that a postsecondary education institution is required to distribute or make available to another party, such as students or employees. A reporting requirement is information submitted to the U.S. Department of Education or other agencies.

Disclosure and reporting requirements sometimes overlap. For certain topics, institutions are required to make information available to students or others and to submit information to the Department of Education.

Prism Career Institute is committed to the principle of promoting access to information that will allow consumers such as students and parents to make informed decisions about postsecondary education. This web portal provides a single access point to all federally mandated reports and disclosures.

General Institutional Information

Privacy of Student Records - Family Educational Rights and Privacy Act (FERPA)

How Disclosed: Any means reasonably likely to inform students of their rights

HEA Sec. 485(a)(1) (20 U.S.C. 1092(a)), 20 U.S.C. 1232g. Not changed by HEOA. 34 CFR 668.41(c), 34 CFR Part 99

Each institution must annually provide a notice to all enrolled students about

the right to review their education records, to request amendment of records, to consent to disclosures of personally identifiable information, and to file complaints with the Department of Education;
procedures for reviewing education records and requesting amendment of the records; and
if applicable, information about the institution’s policy regarding disclosures to school officials with a legitimate educational interest in the education records.
In order to disclose directory information without prior consent, an institution must provide to students a notice of directory information that includes
the types of information the institution has designated as directory information; and
the student’s right to refuse to allow any or all such information about the student to be designated as directory information, and the time period the student has for notifying the institution in writing.

For more information:
http://www.ed.gov/policy/gen/guid/fpco/ferpa/index.html

Disclosure Report Link:

FAMILY EDUCATION RIGHTS AND PRIVACY ACT (FERPA) POLICY

FERPA Form

: Facilities and Services Available to Students with Disabilities

How Disclosed: Made available through appropriate publications, mailings, or electronic media

HEA Sec. 485(a)(1)-(2) (20 U.S.C. 1092(a)(1)-(2)). Not changed by HEOA. 34 CFR 668.41(a)-(d), 34 CFR 668.43

August 21, 2009 NPRM (revised 34 CFR 668.43, added 34 CFR 668.231)

Each institution must make available to prospective and enrolled students information about facilities and services available to students with disabilities, including students with intellectual disabilities (as defined in 34 CFR 668.231).

Disclosure Report:

It is the responsibility of prospective students with physical or mental disabilities to inform the Admissions Department prior to visiting the school in order to discuss the suitability of any particular program. Prism will make reasonable accommodations for instruction of students with disabilities consistent with the requirements of applicable federal and state laws.

Student Body Diversity

Institutions must make available to current and prospective students information about student body diversity, including the percentage of enrolled, full-time students who

are male;
are female;
are a self-identified member of a major racial or ethnic group; and
receive a Federal Pell Grant.

Student Body Diversity by Campus:

Philadelphia Campus

Cherry Hill Campus

West Atlantic City

For more information: https://nces.ed.gov/ipeds/use-the-data

: Cost of Attendance

How Disclosed: Made available through appropriate publications, mailings, or electronic media

HEA Sec. 485(a)(1)-(2) (20 U.S.C. 1092(a)(1)-(2)). Not changed by HEOA. 34 CFR 668.41(a) (d), 34 CFR 668.43

Each institution must make available to prospective and enrolled students information about the price of attendance, including tuition and fees, books and supplies, room and board, transportation costs, and any additional costs for a program in which the student is enrolled or expresses an interest.

Disclosure Report Link: College Navigator for Prism Career Institute

: Net Price Calculator

How Disclosed: Made publicly available on the institution’s website; https://www.prismcareerinstitute.edu/financial_aid.php

HEOA Sec. 111 amended HEA Title I, Part C: added HEA Sec. 132(a), Sec. 132(h) (20 U.S.C. 1015a(a), 20 U.S.C. 1015a(h))

Institutions must make available on their websites a net price calculator within 2 years after the Department of Education makes available a template (approximately October 2009). The institution may use the Department template or develop a customized version that must include, at a minimum, the same elements as the Department’s version.

: Consumer Information on College Navigator Website

How Disclosed: Made available on the institution’s website. The URL for the institution’s website is reported to NCES in IPEDS for posting on College Navigator website.

HEOA Sec. 111 amended HEA Title I, Part C: added HEA 132(i)(1)(V) (20 U.S.C. 1015a(i)(1)(V))

The Department of Education is required to post 26 items on the College Navigator website for each institution, including a link to the institution’s website that provides “in an easily accessible manner”

student activities offered by the institution;

services offered by the institution for individuals with disabilities;

career and placement services offered to students during and after enrollment; and

policies of the institution related to transfer of credit from other institutions. (See also “Facilities and Services Available to Students with Disabilities”, and “Transfer of Credit Policies and Articulation Agreements”.)

Note:

The URL for the institution’s website is collected in the IPEDS Institutional Characteristics Survey (IC).

For more information: http://nces.ed.gov/ipeds, http://nces.ed.gov/collegenavigator

Disclosure Report Link: College Navigator for Prism Career Institute

Refund Policy, Requirements for Withdrawal and Return of Title IV Financial Aid

How Disclosed: Made available through appropriate publications, mailings, or electronic media

HEA Sec. 485(a)(1)-(2) (20 U.S.C. 1092(a)(1)-(2)). Not changed by HEOA. 34 CFR 668.41(a)-(d), 34 CFR 668.43

Each institution must make available to prospective and enrolled students information about

the institution’s refund policy;
requirements and procedures for official withdrawal; and
requirements for return of Title IV, HEA grant or loan aid

Disclosure Report Link: Institutional Refund Policy and Return of Title IV Financial Aid Funds

: Textbook Information

For a listing of required textbooks including ISBN# and Cost please click the link below by Campus:

Philadelphia Campus Textbook Listing

New Jersey Campus Textbook Listing

Academic Program (Educational Programs, Instructional Facilities, and Faculty)

Each institution must make available to prospective and enrolled students information about the academic program of the institution, including

current degree programs and other educational and training programs;
instructional, laboratory, and other physical facilities that relate to the academic program;
faculty and other instructional personnel; and
any plans by the institution for improving the academic program.

Click Here for more info

Transfer of Credit Policies and Articulation Agreements

How Disclosed: Made available through appropriate publications, mailings, or electronic media

HEOA Sec. 488(g) amended HEA Sec. 485 (20 U.S.C. 1092): added HEA Sec. 485(h)

HEOA amendment effective August 14, 2008

Each institution must publicly disclose information about the institution’s policies regarding the transfer of credit earned at another higher education institution, including, at a minimum

any established criteria the institution uses; and
a list of institutions with which the institution has established an articulation agreement. (See also “Consumer Information on College Navigator Website” for transfer of credit policy reporting requirement.)

Disclosure Report Link: Transfer of Credit

Institutional and Program Accreditation, Approval, or Licensure

How Disclosed: Made available through appropriate publications, mailings, or electronic media

HEA Sec. 485(a)(1)-(2) (20 U.S.C. 1092(a)(1)-(2)). Not changed by HEOA. 34 CFR 668.41(a)-(d), 34 CFR 668.43

Each institution must make available to prospective and enrolled students
names of associations, agencies, or governmental bodies that accredit, approve, or license the institution and its programs; and
procedures for obtaining or reviewing documents describing accreditation, approval, or licensing.

Disclosure Report Link: College Navigator for Prism Career Institute

About Prism

How Disclosed: Made available through appropriate publications, mailings, or electronic media

HEOA Sec. 488(a)(1)(E) amended HEA Sec. 485(a)(1) (20 U.S.C. 1092(a)(1)): added HEA Sec. 485(a)(1)(P)

HEOA amendment effective August 14, 2008

August 21, 2009 NPRM (added 34 CFR 668.43(a)(10))

Institutions must annually make available to current and prospective students the institution’s policies and sanctions related to copyright infringement, including

a statement that explicitly informs students that unauthorized distribution of copyrighted material, including unauthorized peer-to-peer file sharing, may subject the students to civil and criminal liabilities;
a summary of the penalties for violation of federal copyright laws; and
the institution’s policies with respect to unauthorized peer-to-peer file sharing, including disciplinary actions taken against students who engage in[illegal downloading or] unauthorized distribution of copyrighted materials using the institution’s information technology system.

Disclosure Report Link: Copyright Infringement

Student Financial Assistance

: Notice of Availability of Institutional and Financial Aid Information

How Disclosed: Notice is distributed to each enrolled student.

HEA Sec. 485(a)(1) (20 U.S.C. 1092(a)(1)). Not changed by HEOA 34 CFR 668.41(c)

Each institution must annually distribute to all enrolled students a notice of the availability of the information that is required to be made available to students under the Family Educational Rights and Privacy Act of 1974 (FERPA) (see “Privacy of Student Records-Family Educational Rights and Privacy Act (FERPA)” for FERPA disclosure requirements), and under HEA Sec. 485(a)(1), Sec. 485(f), Sec. 485(g), and Sec. 485(j).

Note: The list required in this notice is not a comprehensive list of HEA disclosure requirements.

The notice must list and briefly describe the information and include a statement of the procedures required to obtain the information. For information listed in the notice that is disclosed on an institution’s website, the notice must include the exact electronic address and a statement that the institution will provide a paper copy upon request.

: Contact Information for Assistance in Obtaining Institutional or Financial Aid Information

How Disclosed: Made available through appropriate publications, mailings, or electronic media

Click Here

Student Financial Aid Information

Each institution must make available to prospective and enrolled students information about:

All the need-based and non-need-based federal, state, local, private, and institutional student financial assistance programs available to students who enroll in the institution;
terms and conditions of Title IV, HEA loans;
criteria for selecting recipients and for determining amount of award;
eligibility requirements and procedures for applying for aid;
methods and frequency of disbursements of aid;
rights and responsibilities of students receiving Title IV, HEA student; financial aid, including criteria for continued student eligibility and standards for satisfactory academic progress;
terms of any loan received as part of financial aid package, sample loan repayment schedule, and the necessity for repaying loans;
general conditions and terms applicable to employment provided as part of financial aid package;
The exit counseling information the institution provides and collects.

For complete information regarding Student Financial Aid Information. Please view our Student Consumer Financial Aid Manual.

: Notice of Federal Student Financial Aid Penalties for Drug Law Violations

How Disclosed: Information provided to each student in a separate written notice

HEOA Sec. 488(g): amended HEA Sec. 485 (20 U.S.C. 1092): added HEA Sec. 485(k)

HEOA amendment effective August 14, 2008

34 CFR 668.40

Each institution must provide to each student, upon enrollment, a separate, clear, and conspicuous written notice that advises the student that 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))

Each institution must provide a notice in a timely manner to each student who has lost eligibility for Title IV, HEA assistance as a result of the penalties under HEA Sec. 484(r)(1). The notice must be a separate, clear, and conspicuous written notification of the loss of eligibility and must advise the student of the ways in which the student can regain eligibility under HEA Sec. 484(r)(2); (20 U.S.C. 1091(r)(2)).

Entrance Counseling for Student Loan Borrowers

How Disclosed: Information provided to each borrower

HEOA Sec. 488(g) amended HEA Sec. 485 (20 U.S.C. 1092): added HEA Sec.

485(l)

HEOA amendment effective August 14, 2008

July 28, 2009 NPRM (revised 34 CFR 685.304(a), 34 CFR 682.604(f))

Note: The NPRM includes proposed regulations separately for each loan program.

See the program regulations for complete information.

Prior to the time of disbursement, each institution must provide to a first-time borrower of a FFELP or a Federal Direct Loan (other than consolidated or Parent PLUS loans) comprehensive information on the terms and conditions of the loan and of the borrower’s responsibilities. The information is to include

the effect of the loan on the eligibility of the borrower for other forms of aid;
an explanation of the use of the Master Promissory Note;
[the seriousness and importance of the students’ repayment obligation];
information on the accrual and capitalization of interest;
borrowers of unsubsidized loans have the option of paying interest while in school;
definition of half-time enrollment and the consequences of not maintaining half-time enrollment;
importance of contacting appropriate offices if student withdraws prior to completion of program of study;
sample monthly repayment amounts;
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 does not receive the educational or other services the borrower purchased from the school];
consequences of default;
information about the NSLDS and how the borrower can access the borrower’s records; and
name and contact information for individual the borrower may contact with questions about the borrower’s rights and responsibilities or the terms and conditions of the loan.

Exit Counseling for Student Loan Borrowers

How Disclosed: Information provided to each student borrower

HEOA Sec. 488(b) amended HEA Sec. 485(b) (20 U.S.C. 1092(b)): new HEA Sec.

485(b)(1)(A)

HEOA amendment effective August 14, 2008

July 28, 2009 NPRM (revised 34 CFR 668.42, 34 CFR 685.304(b), 34 CFR

674.42(b),

34 CFR 682.604(g))

Note: The NPRM includes proposed regulations separately for each loan program. See the program regulations for complete information.

Each institution must provide counseling to borrowers of loans under the FFEL, Federal Direct Loan, or Perkins Loan programs (other than consolidated or Parent PLUS loans) [shortly before the student borrower ceases at least half-time study at the institution.] The counseling will provide information on

[average anticipated monthly repayment amount];
repayment plan 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 Department of Education (see “Student Loan Information Published by Dept 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 institution];
[availability of the Student Loan Ombudsman’s office]; and
information about the NSLDS. The Department of Education is required to provide a disclosure form for students and prospective students about the NLDS (HEOA Sec. 489(3), HEA Sec. 485B).

: State Grant Assistance

How Disclosed: Information provided to borrowers if enrolled in degree eligible program

HEA Sec. 487(a)(9) (20 U.S.C. 1094(a)(9)), 34 CFR 668.14(b)(11)

Not changed by HEOA.

Institution must inform all eligible borrowers enrolled in the institution about the availability of and their eligibility for grant assistance from the state in which the institution is located, and provide sources of information about grant assistance from other states to borrowers from other states

Disclosure Report Link: Pennsylvania State Grant Program

: Student Loan Information Published by Dept. of Education

How Disclosed: Information provided to prospective student borrowers

HEOA Sec. 488(c) amended HEA Sec. 485(d) (20 U.S.C. 1092(d))

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. (See also “Exit Counseling for Student Loan Borrowers” requirements for exit counseling for student loan borrowers.)

: National Student Loan Data System (NSLDS)

How Disclosed: Information provided to borrowers

HEOA Sec. 489 amended HEA Sec. 485B(d)(4) (20 U.S.C. 1092b)

Institutions that enter into an agreement with a potential student, student, or parent of a student regarding a Title IV, HEA loan are required to inform the student or parent that the loan will be submitted to the National Student Loan Data System (NSLDS), and will be accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system.

Private Education Loan Disclosures

How Disclosed: Information provided to prospective borrowers

HEOA Sec. 493(a)(1) amended HEA Sec. 487(a) (20 U.S.C. 1094(a)): added HEA

Sec. 487(a)(28); HEOA Sec. 120 and Sec. 1021(b) amended HEA Title I: added

HEA Sec. 151-155 (20 U.S.C. 1019, 1019a-1019d)

HEOA amendments effective August 14, 2008, unless otherwise specified

July 28, 2009 NPRM (added 34 CFR 601.2, 34 CFR 601.11, 34 CFR 601.30, 34

CFR 668.14(b)(29))

Institutions or institution-affiliated organizations (e.g., alumni organizations, foundations) that provide information regarding a private education loan from a lender to a prospective borrower must provide information to the prospective borrower, including

information required under Sec. 128(e) of the Truth in Lending Act (15U.S.C. 1638(e));
that the prospective borrower may qualify for loans or other assistance under Title IV, HEA programs; and
that the terms and conditions of Title IV, HEA program loans may be more favorable than the provisions of private education loans.

The information regarding private education loans must be presented in a manner that makes it distinct from information regarding Title IV, HEA program loans.

The institution must, upon request, provide in written or electronic form to [an enrolled or admitted] student applicant for a private education loan the self certification form for private education loans required under Sec. 128(e)(3) of the Truth in Lending Act (15 U.S.C. 1638(e)(3)), and the information required to complete the form, to the extent the institution possesses the information. The Department of Education is required to develop the form.

Code of Conduct for Education Loans

How Disclosed: Published on website

HEOA Sec. 493(a)(1) and HEOA Sec. 493(c) amended HEA Sec. 487 (20 U.S.C.

1094):

added HEA Sec. 487(a)(25)
new HEA Sec. 487(e)

HEOA amendments effective August 14, 2008

July 28, 2009 NPRM (added 34 CFR 601.2, 34 CFR 601.21, 34 CFR 668.14(b)(27))

Each institution must prominently publish on the institution’s website a code of conduct that prohibits a conflict of interest with the responsibilities of an [agent] of an institution with respect to FFELP or private education loans. All agents with responsibility for loans must be informed annually of the provisions of the code. The code of conduct must prohibit

revenue-sharing arrangements with any lender;
receiving gifts from a lender [, a guarantor, or a loan servicer];
contracting arrangement providing financial benefit from any lender or affiliate of a lender;
[directing borrowers to particular lenders, or refusing or delaying loan certifications];
offers of funds for private loans;
call center or financial aid office staffing assistance; and
advisory board compensation.

Disclosure Report Link: Loans Conduct

Health and Safety

: Drug and Alcohol Abuse Prevention Program

Prism Career Institute adheres to all requirements of the Drug-Free Schools and Communities Act amendments of 1989, Public Law 101-226. Prism Career Institute is committed to maintaining an environment that is free of illegal drug and alcohol abuse.

The unlawful possession, use, or distribution of illicit or non-prescribed prescription drugs by students or employees on Prism Career Institute property or during any Prism Career Institute-sponsored activity is strictly prohibited. Offenders are subject to random drug screens and immediate dismissal from Prism Career Institute, and local law enforcement agencies are notified, as applicable.

Possession or use of alcohol, or intoxication, or being under the influence of alcohol while on Prism Career Institute property or during any Prism Career Institute sponsored activity is strictly prohibited. Students who violate this policy are subject to disciplinary action, up to and including termination from school enrollment, and are required to meet with Prism Career Institute officials to assess the problem and determine if further action is required, or if referral for substance abuse treatment is warranted.

Prism Career Institute recognizes that the most effective means of dealing with the complex issues associated with substance abuse is through the intervention of trained professionals. Anyone having such a problem is encouraged to contact his or her Campus Director for support and referral assistance. All such inquiries are held in the strictest confidence and are handled in a non-threatening and supportive manner.

It is the intent of Prism Career Institute to help and guidance with compassion and respect rather than to punish. However, it must be emphasized that any occurrence of substance abuse that results in endangering personal safety or compromising the quality of education subjects the offender to immediate dismissal from Prism Career Institute.

For Description of applicable legal sanctions along with health risk and available counseling, treatment, rehabilitation programs click here.

: Vaccinations Policy

For more information please click here.

: Security Report (Including Emergency Response and Evacuation Procedures), Timely Warnings and Crime Log

Institutions must distribute, by October 1 each year, a security report or a notice of the report to all current students and employees.

To view Prism Career Institute Annual Security Report please click here

To Access Prism Career Institutes Campus Emergency & Evacuation Plan please click your campus below:

Philadelphia Campus

Cherry Hill Campus

West Atlantic City Campus

For more information regarding Campus Crime Reporting please view the Department of Education’s Handbook here

Student Consumer Information

General Institutional Information

Student Financial Assistance

Health and Safety

Dispute Resolution

Student Outcomes

Voter Registration