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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

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

Philadelphia Campus

New Jersey Campus


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

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.)

To view Prism Career Institutes Policy regarding transfer of Credit please click here


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


Copyright Infringement Policies and Sanctions (Including Computer Use and File Sharing)

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.


Professional Judgement

PROFESSIONAL JUDGEMENT POLICY

AWARD YEAR: 2023-24

When there are unusual or special situations or circumstances that impact your federal student aid eligibility, federal regulations give the financial aid office discretion or professional judgment on a case-by-case basis and with adequate documentation to make adjustments to the data elements or dependency status on the Free Application for Federal Student Aid (FAFSA®) form that impact your Expected Family Contribution (EFC) to gain a more accurate assessment of your family’s ability to contribute to your cost of education.

The FAFSA Simplification Act distinguishes between different categories of professional judgment by amending Section 479A of the Higher Education Act.

SPECIAL CIRCUMSTANCES

Special Circumstances refer to financial situations (loss of job, etc.) that justify a Financial Aid Representative adjusting data elements in the Cost of Attendance or in the calculation of the EFC.

The institution will consider all requests for Special Circumstance adjustments. If you have a situation that changes your family’s ability to contribute to your cost of education, contact the Financial Aid Office at your institution to request a Special Circumstance Request Form.

Complete the Special Circumstance Request Form in its entirety and return it to the Financial Aid Office. Include with it as much documentation to demonstrate the need for the change as possible. Some examples of documentation may include an unemployment letter; a notice of layoff or termination; unusually high medical bills; or a reduction in hours or salary.

A Financial Aid Representative will contact you either by phone or email to conduct the interview regarding the circumstances and to let you know if any other information is requested.

The Financial Aid Office will determine if the Special Circumstance was approved and notify you in writing/email. This determination will occur as soon as possible but no later than 60 days from the date of your request or prior to the end of the award year processing cycle, whichever comes first. Documentation of unemployment benefits should be submitted not more than 90 days from the date it was issued, however, the Financial Aid Representative may accept documents older than 90 days if there is no reason to believe there is conflicting information.

If an approved Special Circumstance results in a change in Federal Student Aid Eligibility, a new Financial Aid Award Offer Letter will be issued.

UNUSUAL CIRCUMSTANCES

Unusual Circumstances refer to the conditions that justify a Financial Aid Representative making an adjustment to a student’s dependency status based on a unique situation (e.g., human trafficking, refugee or asylee status, parental abandonment or incarceration, or parental abuse). Unusual Circumstances are more commonly referred to as Dependency Overrides. A dependency override for unusual circumstances is considered unique from a determination of independence for homeless youth or at-risk homelessness youth.

If you have an Unusual Circumstance that you believe may qualify you for a Dependency Override, contact the Financial Aid Office at your institution to request an Unusual Circumstance Request Form.

Complete the Unusual Circumstance Request Form in its entirety and return it to the Financial Aid Office. Include with it as much documentation to demonstrate the need for the change as possible.

Some examples of documentation may include submission of a court order or official Federal or State documentation that your parents or legal guardians are incarcerated; a written statement from an attorney, a guardian ad litem, a court-appointed special advocate that confirms the circumstances and the person’s relationship to the student; documentation from a third party with authority (such as a pastor, school guidance counselor, or law enforcement professional) that can attest to the circumstances; a police record or arrest record that documents domestic violence or other forms of abuse; or a death certificate or obituary in the event of a death of a parent.

Some circumstances individually or in combination with one another that DO NOT qualify as an Unusual Circumstance and DO NOT merit a dependency override are a parent refusing to contribute to a student’s education; a parent unwilling to provide information on the FAFSA; a parent not claiming the student as a dependent for income tax purposes; or a student demonstrating self-sufficiency. However, one of these circumstances in combination with a qualifying Unusual Circumstance may be submitted as additional documentation.

A Financial Aid Representative will contact you to conduct an interview regarding the circumstances and to let you know if any other information is requested.

The Financial Aid Office will determine if the Unusual Circumstance was approved and notify you in writing/email. This determination will occur as soon as possible but no later than 60 days from the date of your request.

If an approved Unusual Circumstance results in a change in Federal Student Aid Eligibility, a new Financial Aid Award Offer Letter will be issued.

The Financial Aid office with presume that any student who has obtained an adjustment for Unusual Circumstances and a final determination of independence to be independent for each subsequent award year at this institution unless you inform the institution that your circumstances have changed or if the institution has conflicting information about your independence.

The Financial Aid Office will at its discretion use a dependency override determination made by a financial aid administrator at another institution in the same or prior award year. It is your responsibility to notify the Financial Aid Office that another institution has made this adjustment and provide a contact at the prior institution. A Financial Aid Representative will contact the prior school and attempt to collect information about the prior decision.

UNACCOMPANIED HOMELESS YOUTH

The FAFSA Simplification Act includes new requirements for the Financial Aid Office to accept or make determinations of a youth’s status as unaccompanied and homeless, or as unaccompanied self-supporting, and at risk of homelessness. Youth who meet these definitions are included in the Act’s definition of independent student and do not need parental information to complete the FAFSA.

The Higher Education Act (HEA) uses the McKinney-Vento Act’s definition of homeless, which includes youth who lack a fixed, regular, and adequate nighttime resident; and unaccompanied, which includes youth not in the physical custody of a parent or guardian. This definition is broader than shelters or the streets; it includes staying with others temporarily due to loss of housing, economic hardship, or a similar reason, and staying in motels due to lack of adequate alternative accommodations. The HEA uses at-risk of homelessness to refer to students whose housing may cease to be fixed, regular, and adequate.

In determining independence due to homelessness, the Financial Aid Office will consider documentation from the following entities – provided through a documented phone call, written statement, or verifiable electronic data match – to be adequate:

  • A local educational agency homeless liaison, as designated by the McKinney-Vento Homeless 

Assistance Act (42 U.S.C. 11432(g)(1)(J)(ii)), or a designee of the liaison;

  • The director of an emergency or transitional shelter, street outreach program, homeless

youth drop-in center, or other program serving individuals who are experiencing homelessness, or a designee of the director;

  • The director of a Federal TRIO program or a Gaining Early Awareness and Readiness for

Undergraduate program (GEAR UP) grant, or a designee of the director; or

  • A financial aid administrator at another institution who documented the student’s

circumstance in the same or a prior award year.

In the absence of documentation from any of the individuals described above, the Financial Aid Office will make a case-by-case determination:

  • Based upon a written statement from, or a documented interview with, the student that

confirms that they are an unaccompanied homeless youth, or unaccompanied, at risk of

homelessness, and self-supporting; and

  • Made without regard to the reasons that the student is unaccompanied and/or homeless.

If you believe you meet the definition of unaccompanied and homeless, or as unaccompanied self-supporting, and at risk of homelessness, please complete The Unaccompanied Homeless Youth Determination and return it to the Financial Aid Office as soon as possible. Include documentation from one of the entities listed above if you have it.

The Financial Aid Office will contact you to conduct an interview (only in the absence of documentation from one of the entities indicated) and to assist you in completing or updating your FAFSA form.

If you have been determined to be an Unaccompanied homeless youth and this results in a change in Federal Student Aid Eligibility, a new Financial Aid Award Offer Letter will be issued.

FOSTER CARE YOUTH

The institution does not require a student to present documentation to confirm the answer to the question on the FAFSA regarding Foster Care unless conflicting information appears to exist or unless it has reason to question the appropriateness of the answer.

If the institution requires that a student provide documentation that they were in foster care at age 13 or older, The Financial Aid Representative will consider any of the following documentation to be adequate in the absence of conflicting information:

    • Submission of a court order or official State documentation that the student received Federal or State support in foster care;
    • A documented phone call or a written statement from an attorney, guardian ad litem, or Court Appointed Special Advocate;
    • Verification of the student’s eligibility for an education and training voucher under the John H. Chafee Foster Care Program under section 477 of the Social Security Act (42 S.C. 677); or
    • A documented phone call or written statement from a financial aid administrator who documented the student’s circumstance in the same or a prior award year.

The Financial Aid Administrator will also consider a phone call, written statement, or verifiable electronic data match from one of the following sources to be adequate documentation:

  • A State, county, or Tribal agency administering a program under part B or E of title IV of the Social Security Act (42 U.S.C. 621 et seq. and 670 et seq.);
  • A State Medicaid agency; or
  • A public or private foster care placing agency or foster care facility or placement.

DEPENDENT STUDENTS WITHOUT PARENTAL SUPPORT

Dependent students whose parents refuse to support them are not eligible for a dependency override, but they may be able to receive a dependent level Direct Unsubsidized Loan only. For a student to be eligible for this provision the institution will document the following:

  1. the student’s parents’ refusal to complete the FAFSA; or
  2. the student’s parents do not and will not provide any financial support to him or her.

If the parents refuse to sign and date a statement to this effect, documentation from a third party (the student is not sufficient), such as a teacher, counselor, cleric, or court should be submitted.

This situation does not on its own justify a dependency override.

If your parents will not provide support or complete the FAFSA, and you don’t qualify for a Dependency Override, you may complete the Dependent Student Without Parental Support Form. If your parents will not complete the statement, you must get a teacher, counselor, or other authoritative source to complete the statement.

The Financial Aid Office will contact you to conduct an interview and to assist you in completing or updating your FAFSA form. If you fall into this category your FAFSA Application will be in a rejected status with no EFC. You will be awarded a Direct Unsubsidized Loan only up to the maximum you would normally be eligible for depending on your grade level (but not the amount a student can get when his or her parent is unable to get a Direct PLUS Loan). This will almost certainly result in you owing additional funds to cover your tuition and fees and any additional cost of attendance.


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

Dispute Resolution

Student Complaint Contact Information

34 CFR § 668.43 – Institutional information

The institution must make available for review to any enrolled or prospective student upon request, a copy of the documents describing the institution’s accreditation and its State, Federal, or tribal approval or licensing. The institution must also provide its students or prospective students with contact information for filing complaints with its accreditor and with its State approval or licensing entity and any other relevant State official or agency that would appropriately handle a student’s complaint.

Student Complaint Procedure

ACCET Document 49.1 – Student Complaint Procedure


Title IX Information

Title IX Information

Title IX of the Education Amendments of 1972 prohibits sexual discrimination in any form to include any form of sexual harassment and gender discrimination.

Federal law states:
“No person in the United States shall, on the basis of sex, sexual orientation, or Gender Identity be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any educational program or activity receiving Federal financial assistance.”

Prism Career Institute does not discriminate against any person in employment or educational opportunities because of race, color, religion, age, national origin, ancestry, sex, sexual orientation, gender identity or based on an individual’s actual or perceived disability, or on a person’s association with a person with a disability.

Prism Career Institute is committed to providing a learning, working and living environment that promotes personal integrity, civility and mutual respect in a place free of discrimination and harassment on the basis of sex which includes all forms of sexual misconduct.

If you feel that you have been a victim of discrimination or harassment it is important for you to know your rights and feel safe in reporting. You will find important information and contacts on this website.

Useful Links

Information for Students

Information for Faculty & Staff 

Non Discrimination Policy 

Title IX Coordinator Contact Information 

Training Materials for Title IX Personnel

Prism Title IX Policy

Prism Career Institute Title IX Coordinators

Reports can be made at any time, including during non-business hours, by using the Title IX Coordinator’s listed telephone number or e-mail address, “or by any other means that results in the Title IX Coordinator receiving the person’s verbal or written report.”

Title IX Coordinator – Students                                          Title IX Coordinator – Employees

Eddie Alkhal                                                                           Priscella Rivera
Director of Operations                                                           Director of Human Resources
3 Executive Campus, Suite 280                                              3 Executive Campus, Suite 280
Cherry Hill, NJ 08002                                                             Cherry Hill, NJ 08002
(856) 317-0100 Ext. 104                                                         (856) 317-0100 Ext. 103
[email protected]                                               [email protected]


Information for Crime Victims about Disciplinary Proceedings

How Disclosed: Information provided to victim of crime

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

HEA Sec. 487(a)(26)

HEOA amendment effective August 14, 2009

Institutions must, upon written request, disclose to the alleged victim of any crime of violence, or a nonforcible sex offense, the results of any disciplinary proceeding conducted by the institution against a student who is the alleged perpetrator of such crime or offense. If the alleged victim is deceased as a result of the crime or offense, the information shall be provided, upon request, to the next of kin of the alleged victim. This provision applies to any disciplinary proceeding conducted by an institution on or after August 14, 2009. (See “Security Report (Including Emergency Response and Evacuation Procedures), Timely Warnings, and Crime Log” for related requirement regarding sex offenses.)

Student Outcomes

Retention Rate

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)(U): HEOA amendment effective August 14, 2008

August 21, 2009 NPRM (revised 34 CFR 668.41(a), 34 CFR 668.41(d))

Institutions must make available to current and prospective students the retention rate of certificate- or degree-seeking, first-time, undergraduate
students [as reported to IPEDS].

Disclosure Report Link: College Navigator for Prism Career Institute


Professional Licensure Notifications

Regulations 34 CFR 668.43 (a) (5) (v) and 34 CFR 668.43 (c) require disclosures by institutions regarding educational requirements for programs leading to professional licensure or certification, which applies to both online and on-ground programs. 34 CFR 668.43(a)(5)(v) requires an institution to make readily available to enrolled and prospective students whether programs leading to professional licensure or certification meet educational requirements. The regulation requires the following:

  • A list of all states for which the institution’s program curriculum meets state educational requirements for professional licensure or certification;
  • A list of all states for which the institution’s curriculum does not meet state educational requirements for professional licensure or certification; and
  • A list of all states for which the institution has not made a determination of whether the curriculum meets educational requirements.
    Accreditations
    Regulations 34 CFR 668 Licensure Requirement


Completion/Graduation and Transfer-out Rates

Each institution must annually make available to prospective and enrolled students the completion or graduation rate of certificate- or degree-seeking, first-time, fulltime, undergraduate students. The data are to be available by July 1 each year for the most recent cohort that has had 150 percent of normal time for completion by August 31 of the prior year. If the information is requested by a prospective student, it must be made available prior to the
student’s enrolling or entering into any financial obligation with the institution.

To view Completion/Graduation and Transfer -Out Rates by Campus Click Below:

Philadelphia Campus

Cherry Hill Campus

West Atlantic City Campus

For more information please visit http://nces.ed.gov/ipeds or contact Eddie Alkhal Director of Operations at 856-317-0100 or by email at: [email protected]


Placement in Employment

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)(R)

HEOA amendment effective August 14, 2008

August 21, 2009 NPRM (revised 34 CFR 668.41(d))

Institutions must make available to current and prospective students information regarding the placement in employment of, and types of employment obtained by, graduates of the institution’s degree or certificate programs.

Institutions must identify the source of the placement information, and any timeframes and methodology associated with it.

Under this provision, institutions are not required to calculate placement rates, but an Institution must disclose any placement rates it calculates for any program.


Job Placement Rates

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

HEA Sec. 487(a)(8) (20 U.S.C. 1094(a)(8)) (34 CFR 668.14(b)(10))

Not changed by HEOA

An institution that advertises job placement rates as a means of recruiting students to enroll must make available to prospective students, at or before the time the prospective student applies for enrollment

  • the most recent available data concerning employment statistics and graduation statistics;
  • any other information necessary to substantiate the truthfulness of the advertisements; and
  • relevant state licensing requirements of the state in which the institution is located for any job for which the course of instruction is designed to prepare students.

Prism Placement Rates Reported

Voter Registration

Voter Registration

How Disclosed: Voter registration forms made widely available and provided to each enrolled student

HEOA Sec. 493(a)(1) amended HEA Sec. 487(a)(23) (20 U.S.C. 1094(a)(23)): added HEA Sec. 487(a)(23)(D)

HEOA amendment effective August 14, 2008

Each institution must

  • make a good faith effort to distribute a mail voter registration form (for federal elections and state elections for governor or other State chief executive) to each student enrolled in a degree or certificate program and physically in attendance at the institution;
  • make the voter registration form widely available to students at the institution; and
  • request the forms from the state 120 days prior to the deadline for registering to vote within the state.

This requirement does not apply to institutions in states that do not have a voter registration requirement or that allow voters to register at the time of voting.

The HEOA (Sec. 493(a)(1)) added the provision that an institution will be considered to be in compliance with the distribution requirement if the institution electronically distributes the voter registration form or an Internet address where such a form can be downloaded. The information must be in an electronic message devoted exclusively to voter registration.