Consumer Information Created by: Montana Academy of Salons 10/17/2013 Contents MESSAGE TO STUDENTS ................................................................................................................................................3 ACADEMY FACILITIES .....................................................................................................................................................3 ACCREDITATION, STATE & AGENCY ...............................................................................................................................3 COURSES OFFERED ........................................................................................................................................................3 ADMINISTRATIVE STAFF AND FACULTY .........................................................................................................................3 INTERNET COURSES .......................................................................................................................................................3 TEXTBOOK & KIT DISBURSEMENT POLICY .....................................................................................................................4 ADDITIONAL COSTS .......................................................................................................................................................4 CONSUMER INFORMATION CONTACT PERSONNEL ......................................................................................................4 OCCUPATIONAL QUALIFICATIONS .................................................................................................................................5 LICENSING AND COURSE COMPLETION ....................................................................................................................5 ADMISSIONS POLICY ......................................................................................................................................................6 ELIGIBILITY .................................................................................................................................................................6 NON-DISCRIMINATION ..............................................................................................................................................6 MILITARY NON-DISCRIMINATION .............................................................................................................................7 APPLICATION & ENROLLMENT PROCEDURES ...........................................................................................................7 VERIFYING HIGH SCHOOL DIPLOMAS ........................................................................................................................7 TRANSFERS ................................................................................................................................................................7 HOME SCHOOLING ....................................................................................................................................................8 SATISFACTORY ACADEMIC PROGRESS ...........................................................................................................................8 ENROLLMENT STATUS ...................................................................................................................................................9 DRUG CONVICTIONS ......................................................................................................................................................9 DRUG OFFENSES RELATED TO TITLE IV AID .............................................................................................................10 STANDARDS FOR QUALIFIED DRUG REHABILITATION PROGRAM ..........................................................................10 INCARCERATE STUDENTS.............................................................................................................................................11 ELIGIBLE NON CITIZEN .................................................................................................................................................11 INCENTIVE COMPENSATION ........................................................................................................................................11 VOTER REGISTRATION .................................................................................................................................................11 CONSTITUTION DAY .....................................................................................................................................................11 TITLE IV FUNDING ........................................................................................................................................................12 STUDENT ELIGIBILITY FOR TITLE IV AID ...................................................................................................................12 1 ENTRANCE LOAN COUNSELING ...............................................................................................................................13 Page STUDENT LOAN INFORMATION ...................................................................................................................................12 Required Elements of Entrance Loan Counseling/ Entrance Review ..................................................................13 SAMPLE OF SCHEDULE OF REPAYMENT ..................................................................................................................14 APPLYING FOR TITLE IV AID .........................................................................................................................................14 DISBURSING AID ......................................................................................................................................................15 DISBURSEMENTS FOR SHORT COURSES APPROVED FOR TITLE IV ..........................................................................16 DISBURSEMENT CREDIT BALANCE REFUND SUMMARY ..........................................................................................16 DEFERMENT ............................................................................................................................................................16 EFFECTS OF STUDENT LOANS ..................................................................................................................................16 EXIT LOAN COUNSELING .........................................................................................................................................17 REQUIRED EXIT INTERVIEW ELEMENTS ...................................................................................................................17 COST OF ATTENDANCE ................................................................................................................................................17 COSMETOLOGY ...................................................................................................................................................17 ESTHETICS ...........................................................................................................................................................18 MASSAGE THERAPY ............................................................................................................................................19 Withdrawal Procedures Prior to Graduation ...............................................................................................................19 RETURN TO TITLE IV FUNDS POLICY ........................................................................................................................20 The Academies responsibility in regard to the Return to Title IV funds are as follows: .....................................21 The Student’s responsibilities in regard to the Return to Title IV funds are as follows: .....................................21 ACADEMY REFUND POLICY......................................................................................................................................22 COPYRIGHT INFRINGEMENT POLICY ............................................................................................................................22 IPEDS Statistics ............................................................................................................................................................23 RIGHT TO KNOW (PRE-ENROLLMENT INFORMATION) ................................................................................................23 FEDERAL DRUG TRAFFICKING PENALTIES ....................................................................................................................23 CAMPUS SECURITY DISCLOSURE .................................................................................................................................25 CONSUMER INFORMATION-IDENTITY THEFT PREVENTION ........................................................................................38 BACKGROUND .............................................................................................................................................................38 IDENTITY THEFT PREVENTION .................................................................................................................................38 RISK ASSESSMENT PLAN ..........................................................................................................................................39 MONTANA ACADEMY’S POLICY OF TRUTH AND CANDOR IS AS FOLLOWS: ...........................................................41 NET PRICE CALCULATOR ..............................................................................................................................................42 GAINFUL EMPLOYMENT ..............................................................................................................................................43 Page 2 Graduation, Licensure, and Placement Rates and Median Loan Debt ....................................................................43 MESSAGE TO STUDENTS All current and incoming students will be provided with consumer information on Montana Academy of Salons, hereinafter known as Montana Academy. The Consumer Information document will be provided by Montana Academy via paper documentation and will also be available on the Montana Academy website. It is known that the student is responsible for understanding all of the content in the Consumer Information document and how it directly relates to federal student aid. Students are responsible for understanding the consequences in relation to early withdrawal from Montana Academy. ACADEMY FACILITIES Montana Academy is located at 501 2nd ST S, Great Falls, MT, 59405. Montana Academy is an 11,000 square foot facility which has a spacious hair, nail, skin care, and massage educational areas. The facility also contains classrooms, a student lounge, a student library, and offices. Salon area and instructional information can be found in Montana Academy Catalog. The Catalog can be found on mymtacademy.com or via request through Montana Academy admissions department. ACCREDITATION, STATE & AGENCY Montana Academy’s Catalog can be referenced for contact information pertaining to State Licensing Agency and Accreditation Agency. Accreditation and approval of state licensure information is made available to the public through the websites and paper documentation upon request. COURSES OFFERED Courses Barbering Barbering Supplemental Cosmetology Esthetics Manicuring Massage Therapy Microdermabrasion Teacher Training Hours to Completion 1500 Hours 150 Hours 2000 Hours 650 Hours 350 Hours 700 Hours 50 Hours 650 Hours Tuition Cost $12,000.00 $1,500.00 $17,000.00 $7,000.00 $3,500.00 $10,500.00 $750.00 $6,500.00 Textbook / Kit Costs $1,100.00 $1,050.00 $2200.00 $1,600.00 $800.00 $700.00 $400.00 $220.00 ADMINISTRATIVE STAFF AND FACULTY There are currently no internet courses offered by Montana Academy. Page INTERNET COURSES 3 A list of Montana Academy administrative staff and faculty can be found on the Montana Academy Team page of the Montana Academy Catalog. TEXTBOOK & KIT DISBURSEMENT POLICY Students are required to purchase all of the Montana Academy books and kit items, which are available only through suppliers that sell to licensed professionals / cosmetology colleges. Montana Academy sells text book and kit items to the Student at the same cost (for these items) incurred by Montana Academy. The textbook and kit items are non-refundable. Costs for the required Montana Academy textbook and kit items include shipping, and handling. Payment options through Montana Academy: o o o For those students using Title IV funds, the charge for textbooks and kit items can be added to the institution charges and funds will be disbursed by the payment period. The textbook and kit costs are payable in the first payment period. Students that use the Title IV option are considered to have authorized the use of Title IV funds to cover the cost of textbooks and kit items and will not have to give a written authorization for this purpose only. NOTE: The Student using Title IV funds (financial aid) only receives Title IV funds if the Student is making satisfactory progress or has been placed on financial aid warning or financial aid probation per the these policies. For those students that are on a cash payment plan, a down payment of the total cost (tuition, textbooks, and kit combined) is paid 30 days before classes begin and the remaining balance is divided out over the number of months in the st program with payment due the 1 of each month. Montana Academy reserves the right for students to opt out of the Textbooks and Kit Disbursement Policy payment options if the student has paid in full for the charges of textbooks and kit items prior to the students’ contractual start date. The textbook and kit items are non-refundable. ADDITIONAL COSTS Students are provided with appropriate apparel code and are to adhere to those guidelines. Students are expected to purchase stationary academy supplies are their own cost. CONSUMER INFORMATION CONTACT PERSONNEL Page 4 At Montana Academy the Financial Aid Officer (FAO), Admissions Representative, and Administrative Assistant are knowledgeable of the information contained within this document and are readily available to assist prospective/enrolled students and/ or their parents during normal business hours. o Business hours are Monday-Friday 9:00 am to 5:00 pm and Friday 9:00 am to 4:30 pm* o Students may contact Michael McPherson, The Financial Aid Officer, at (406) 771–8772 x 4 for additional questions o For general Montana Academy questions please contact Linda McPherson at (406)771–8772 x 3 OCCUPATIONAL QUALIFICATIONS Students who desire to take the Barbering state board licensing exam for the State of Montana must complete 1500 hours of training, complete all course work and graduate within the Page LICENSING AND COURSE COMPLETION 5 Montana Academy does not discriminate on the basis of sex, age, race, color, religion, national origin, disability, or any other protected class in its programs or activities. Montana Academy Admissions Representative has been designated to handle inquiries regarding Montana Academy’s non-discrimination policies. All courses are taught in English. Communication and interpersonal skills are of high importance in the industry. - Students and industry workers must be able to effectively communicate with individuals via various communication methods including, but not limited to, telephone, in-person, email, etc. This includes, but is not limited to, the ability to conduct tasks and conversations professionally and make eye contact with clients and individuals. - Individuals with disabilities are afforded an equal opportunity to participate in Montana Academy’s programs and activities, along with equal employment opportunities in the industry, but note that Montana Academy and future potential employers may only be required to make reasonable modifications or accommodations for such individuals, as required by law. High importance is placed on attendance at Montana Academy and in the beauty industry. The student must have the following applicable areas covered prior to enrolling for classes, including, but not limited to: - Care services for dependent children or other dependent family members during class time at Montana Academy. - Back up care services, if necessary. - A stable financial, physical, and emotional support system to aid the student throughout the program. Classroom and salon area training schedules may include day and/or evening hours of attendance / training with class or training scheduled on Fridays and/or Saturdays. Courteous and respectful behavior is required in the cosmetology industry. o Harassment, discrimination, and bullying of any type, including sexual or based on any protected class, by any individual is prohibited. Females and males interact in all areas of the educational process and such interaction will continue throughout the professional experience including, but not limited to, the classroom, salon area, skin care services, massages, and body waxing services. This includes possible interaction with members of the opposite sex in the classroom or salon area such as superiors, peers, fellow employees, or clients and may continue during possible future employment in the industry. Good moral character and fitness is valued at Montana Academy and in the cosmetology industry, and evidence of character and fitness may be required for state licensure in the field of cosmetology. Thus, Montana Academy reserves the right to consider an applicant’s character and fitness, as allowed by law. There are physical demands placed upon the body during both class and as an employee in the industry, including but not limited to, standing for long periods of time, bending over, lengthy time allowances for services, lifting heavy objects, dexterity, exposure to heat and chemicals, possible cuts resulting from a haircutting service, and other related injuries. maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. Students who desire to take the Barbering Supplemental state board licensing exam for the State of Montana must complete 150 hours of training, complete all course work and graduate within the maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. Students who desire to take the Cosmetology state board licensing exam for the State of Montana must complete 2000 hours of training, complete all course work and graduate within the maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. Students who desire to take the Esthetics state board licensing exam for the State of Montana must complete 650 hours of training, complete all course work and graduate within the maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. Students who desire to take the Manicuring state board licensing exam for the State of Montana must complete 350 hours of training, complete all course work and graduate within the maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. Students who desire to take the Massage state board licensing exam for the State of Montana must complete 700 hours of training, complete all course work and graduate within the maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. Students who desire to take the Microdermabrasion must complete 50 hours of training, complete all course work and graduate within the maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. Students who desire to take the Teacher Training state board licensing exam for the State of Montana must complete 650 hours of training, complete all course work and graduate within the maximum time frames allowed per the Satisfactory Academic Progress Policy (SAP) and graduate with an 85% attendance and 85% theory and practical grade average. ADMISSIONS POLICY ELIGIBILITY Montana Academy requires all perspective students to have a valid high school diploma (or high school document such as an official transcript documenting graduation), or G.E.D. certificate. Educational background checks are done prior to enrollment, Montana Academy does not enroll ability-to-benefit students. NON-DISCRIMINATION Page 6 Montana Academy does not discriminate on the basis of sex, age, race, color, religion, or ethnic origin in admitting students. MILITARY NON-DISCRIMINATION All service members of the armed services will not be denied admissions based on reasons related to their service. APPLICATION & ENROLLMENT PROCEDURES Applications are available on our website www.mymtacademy.com, at Montana Academy or can be mailed if needed. Application procedures are as follows: Step 1. The enrollment application should be filled out completely and either submitted electronically, mailed to Montana Academy or returned in person. After completing an application students are asked to schedule an appointment Step 2. Prior to enrollment the following are needed: a. A copy of your Official high school or college transcripts or a copy of your high school diploma or GED. b. Completed FASFA if you plan on using financial aid. Step 3. After meeting with the admissions representative and completing all necessary documents you will be presented with either and acceptance or denial letter. An acceptance letter is the next step in the registration process. Step 4. To finalize the enrollment process applicants must: a. Sign official Enrollment Agreement b. Provide a copy of either Official Birth Certificate or Driver’s License c. Provide Montana Academy with the required $200 Registration Fee. VERIFYING HIGH SCHOOL DIPLOMAS All students must have a verifiable high school diploma or G.E.D. certificate. Montana Academy does not accept online diplomas or online GED’s. There is not an appeal process for any diplomas/GED’s that are not verifiable. Home School Diplomas are recognized by the Department of Education, therefore are accepted at Montana Academy based on any applicable state law requirements. Montana Academy does not admit ability-to-benefit students. The Department of Education requires students who receive Title IV funding to have a valid high school diploma. If a student is admitted and is found to have an invalid high school diploma or GED, the student must be dismissed from Montana Academy immediately and all Title IV aid disbursed for the student must be returned to the Department of Education. The student can be readmitted only after providing a valid GED certificate. Page Transcripts of a student’s previous academic records are carefully reviewed on an individual basis prior to acceptance as a transfer student. Tuition balances do not transfer from one school to another. Students wishing to withdraw, transfer, or who have graduated from a school shall be provided a current and accurate official transcript reflecting hours and grades and a statement of good standing 7 TRANSFERS from the school in order to receive credit for their education. When transferring between licensed academies the transferring student shall provide the academy with a statement of good standing and official transcript from the previous academy. The new academy shall grant full credit for all hours completed and grades received by the transferring student within three years of the student’s original enrollment date. Upon reenrollment, a withdrawn student shall be granted full credit for all hours completed and grades received by the reenrolling student within three years of the student’s original enrollment date. Academies shall not allow a transferred student to practice on members of the public until the school receives an official transcript of the student’s hours and grades within the required curriculum areas. Transfer charges per each course per hours are as follows: Barbering $ 8.00 Barbering Supplemental $10.00 Cosmetology $ 8.50 Esthetics $10.00 Manicuring $10.00 Massage $15.00 Microdermabrasion $15.00 Teacher Training $10.00 Transfer students will be required to purchase Montana Academy’s Student Kit. Transfer students will be subject to over contract fees if applicable. HOME SCHOOLING Home schooled students, are self-certified and for eligibility purposes. If the state requires home schools to be registered, Montana Academy will only accept diplomas from state certified home school environments. Montana Academy considers home schooled students to be beyond the compulsory age if the state in which the student was home schooled does not consider the student truant once he or she has completed the home schooled program. SATISFACTORY ACADEMIC PROGRESS All students (cash and Title IV aid) attending Montana Academy must maintain Satisfactory Academic Progress (SAP). This policy complies with the guidelines established by the National Accrediting Commission of Career Arts and Sciences (NACCAS) and the federal regulations established by the United States Department of Education. - Students currently enrolled at the time of new award year will remain with the 11-12 SAP Policy. Page 8 Montana Academy’s full version of the SAP Policy can be found in the admissions office of Montana Academy or in the Montana Academy Student Handbook. Students enrolled for classes on or after July 1, 2012, will adhere to the 12-13 SAP Policy. The SAP Policy is given to all students prior to signing the enrollment agreement and is applied with consistency, regardless of part time / full time status. SAP is defined as reaching each checkpoint of training with a cumulative 85% theory and practical grade average, as well as attended a minimum of 85% of the scheduled hours at their designated checkpoints. Students who meet these requirements are considered to be making SAP until the next scheduled evaluation. 85% equates to 117% maximum time frame for completion of the program. - Maximum time frame in hours to complete divided by the hours in the program=117% All students will be notified of any evaluation that impacts the student’s eligibility for financial aid, if applicable, through means of their Report Card which is signed at each checkpoint of training. A copy is given to the student and one placed in their academic file. - ENROLLMENT STATUS In order to receive aid from Stafford and Parent Plus Loans students must be enrolled at least half time. If a student drops below half time they will not receive funds from Federal loans and it will directly affect the amount of Pell a student may receive. DRUG CONVICTIONS Page 9 The Anti-Drug Abuse Act of 1988 includes provisions that authorize federal and state judges to deny certain federal benefits, including Title IV aid, to persons convicted of selling or possessing illegal drugs. Students must have resolved any drug conviction issues to be eligible for Title IV aid. A federal or state drug conviction can disqualify a student for Title IV Aid. All students self-certify by completing the FAFSA drug conviction question that he or she is eligible. Drug convictions only count if they were for an offense that occurred during a period of enrollment for which the student was receiving Title IV aid and will not count if the offense was not during the period of enrollment. A drug conviction will not count if it was reversed or removed from the student’s record or if the student’s record was received when the student was a juvenile, unless tried as an adult, Below illustrates the period of ineligibility for Title IV funds depending if the conviction was for sale or conspiring to sell or possession of drugs and whether the student had a previous offense. If the student was convicted of both selling and possessing illegal drugs for which the periods of ineligibility are different, the student will be ineligible for a longer length of time. If a student becomes ineligible, Montana Academy will provide written notice in a clear manner to any student who becomes ineligible for Title IV aid due to a drug conviction and the manner whereby the student can regain eligibility. DRUG OFFENSES RELATED TO TITLE IV AID Possession of illegal drugs 1st Offense 1 year from date of conviction 2nd Offense 2 years from date of conviction 3rd plus Offense Sale of illegal drugs 2 years from date of conviction Indefinite period Indefinite period The student can gain eligibility the day after the period of ineligibility ends or when the student has successfully completed a drug rehabilitation program. If the student has further drug convictions, the student will become ineligible again. Students who have been denied ineligibility for an indefinite period of time can regain eligibility only after successfully completing a rehabilitation program or if the conviction was reversed, set aside, or removed from the student’s record so that fewer than two convictions for the sale of illegal drugs or three convictions for possession remain on the student’s record. The nature and dates of the remaining convictions will determine when the student can regain eligibility. The student is responsible to self-certify successful completion of a drug rehabilitation program. If Montana Academy receives conflicting documentation, Montana Academy will confirm reported information. When the student regains eligibility, the student may be awarded Pell for the payment period of the award year the student is currently enrolled in. The student will be eligible for Stafford loans for the period of enrollment. STANDARDS FOR QUALIFIED DRUG REHABILITATION PROGRAM Must include two unannounced drug tests and must satisfy one of the following: Be qualified to receive funds from federal, state, or local government programs Be qualified to receive funds a from federal or state licensed insurance company The program must be administered or recognized by a federal, state, or local government agency, licensed hospital, health clinic or medical doctor 10 All students who will need to enter a drug rehabilitation program will be counseled by Montana Academy of the above requirements. If Montana Academy has any doubt that the drug rehabilitation program does not meet these requirements, Montana Academy will confirm qualifications of the program prior to disbursing Title IV aid. Page INCARCERATE STUDENTS Classes and salon area are all conducted at the physical location which makes incarcerated students ineligible for enrollment. An incarcerated student is classified as a student that is in a half-way house, has home detention, or is serving a sentence on weekends only. ELIGIBLE NON CITIZEN Generally, you are an eligible noncitizen if you are (1) a permanent U.S. resident with a Permanent Resident Card (I-551); (2) a conditional permanent resident (I-551C); (3) the holder of an ArrivalDeparture Record (I-94) from the Department of Homeland Security showing any one of the following designations: “Refugee,” “Asylum Granted,” “Parolee” (I-94 confirms that you were paroled for a minimum of one year and status has not expired), T-Visa holder (T-1, T-2, T-3, etc.) or “Cuban-Haitian Entrant;” or (4) the holder of a valid certification or eligibility letter from the Department of Health and Human Services showing a designation of “Victim of human trafficking.” If you are in the U.S. on an F1 or F2 student visa, a J1 or J2 exchange visitor visa, or a G series visa (pertaining to international organizations), select “No, I am not a citizen or eligible noncitizen.” You will not be eligible for federal student aid; however, you should still complete the application because you may be eligible for state or college aid. INCENTIVE COMPENSATION Montana Academy salaries for staff associated with Admissions or Financial Aid will be based on job responsibilities, length of employment, and standard evaluative facts. Commission and or bonuses are not offered as incentive for directly or indirectly securing enrollments or financial aid to any person or entity engaged in any student recruiting or admission activities or in making decisions regarding awarding Title IV funds. VOTER REGISTRATION In compliance with the Department of Education, voter registration applications are provided to students during the financial aid orientation prior to beginning class. CONSTITUTION DAY Constitution Day is held on September 17th of each year in commemoration of the Constitution being signed on September 17th, 1787. th Page 11 **If the traditional Constitution Day, September 17 , falls on a weekend the signing will be held the Friday before or the th Monday after the 17 of September. No federal funds will be used to commemorate this event** TITLE IV FUNDING Montana Academy complies with state approval and licensure requirements to be legally authorized to provide postsecondary education in the state of Montana and therefore is eligible to participate in Title IV and HEA programs. o Montana Academy educates students and / or parents in all options of aid available to those who qualify. o We understand that all students/family’s needs are unique and we are committed to the h securing the proper funding. o The information from the FAFSA, provided by the student and /or parent, in conjunction with state and federal regulations determines eligibility for available programs. o Many parents of dependent students borrow money to help cover educational costs and living expenses for their daughter / son. Montana Academy offers parents of eligible dependent students the ability to apply for the Federal Parent Plus Loan if deemed necessary to cover educational costs. STUDENT LOAN INFORMATION 1. Need Based Aid: Stafford Subsidized Loans and Pell Grants 2. Non-Need Based Aid: Stafford Unsubsidized Loans, Parent Plus Loans, Consumer Loans Loan Availability Information regarding loan availability and student loan eligibility published by the U. S. Department of Education can be found at www.studentloans.gov . This publication includes information about the rights and responsibilities of students and schools under the Title IV, HEA loan programs. When Montana Academy enters into an enrollment agreement with a potential student or parent of a student regarding Title IV aid, Montana Academy will inform the student or parent that the loan submitted to the National Student Loan Data System (NSLDS) will be accessible by lenders and agencies determined to be authorized users of the data system. Consumer Loans We offer no consumer loans. Students who need or desire additional funding or who are ineligible for federal aid may need to utilize alternative private consumer credit loan funding. o A FAFSA is not required to apply for alternative forms of lending. o Private loans typically have higher and variable interest rates. o Private loans may have more fees invoked and less flexible repayment options. Page To be eligible for Title IV Aid, the student must: 1. Have a valid High School Diploma or GED 2. Complete the FAFSA for each financial aid year the student is eligible for aid 3. Comply with Montana Academy Satisfactory Academic Progress Policy 4. Not be in default status on previous student loans 5. Not owe repayment on an adjusted Pell grant 12 STUDENT ELIGIBILITY FOR TITLE IV AID 6. 7. 8. 9. 10. 11. 12. 13. Not exceed the annual and aggregate loan limits Have remaining eligibility if the student is a transfer student Be enrolled in an eligible program Be enrolled at least half time Have ISIR Social Security match successful or comment code indicates successful INS match If male, ages 18-25 have registered with the Selective Service Be a citizen or eligible non-citizen Have resolved any drug conviction issues ENTRANCE LOAN COUNSELING Page Required Elements of Entrance Loan Counseling/ Entrance Review o Financial Aid Literacy including explanation of Budget Management Worksheet Example o Review deferment o Importance of keeping financial aid papers o Borrowers of Unsubsidized loans have the option to pay the interest while in school o Definition of half time enrollment status o Obligation of the borrower to repay the full amount of any loans even if the student does not complete the program or secure employment o Importance that full loan repayment is required even if the student does not finish their education or obtain employment. o Default and its consequences o How to use the MPN or E-MPN o Terms and Conditions and acceptance of the Federal loans-rights and responsibilities Name and contact information of the loan servicer if the borrower has questions concerning the terms and responsibilities o Interest and capitalization o Sample monthly repayment amounts and the importance of not over borrowing Repayment schedule on www.nslds.ed.gov Average indebtedness of past graduates can be found on Montana Academy’s website under Gainful Employment Disclosures o How accepting loan disbursements can affect the borrowers eligibility of other forms of student aid o Contact information for questions and notification of change of name or address o Withdrawal from the program How the withdrawal will affect the student Importance of contacting Montana Academy FAO of this decision 13 All students applying for Title IV Aid must complete an Entrance Loan Counseling prior to the first disbursement of any federal funds. o Entrance Loan Counseling for Direct Loans can be found at www.studentloans.gov Montana Academy must collect the Entrance Loan Counseling Sign off for the student’s admissions / financial aid file. Montana Academy discusses Title IV loan Consumer Information with students and / or parents when working with them privately prior to starting classes. Loan rights and responsibilities are discussed again during the financial aid review as part of the student’s financial aid orientation. SAMPLE OF SCHEDULE OF REPAYMENT Total Monthly Payments at Various Interest Rates Amount Owed 6% 6.80% 7.50% 8.25% $1000 $50 $50 $50 $50 $2000 $50 $50 $50 $50 $3000 $50 $50 $50 $50 $4000 $50 $50 $50 $50 $5000 $56 $58 $59 $61 $6000 $67 $69 $71 $74 $7000 $78 $81 $83 $86 $8000 $89 $92 $95 $98 $9000 $100 $104 $107 $110 $10,000 $111 $115 $119 $123 $15,000 $167 $173 $178 $184 $20,000 $222 $230 $237 $245 $25,000 $278 $288 $297 $307 $30,000 $333 $345 $356 $368 $35,000 $389 $403 $415 $429 $40,000 $444 $460 $475 $491 $45,000 $500 $518 $534 $552 $50,000 $555 $575 $594 $613 This chart is intended to show monthly payments at various debt and interest rates. This chart is for a standard ten year repayment plan. The amounts above include all outstanding loan balances at the time of entering repayment. The last payment in the ten year cycle may be smaller than the amount listed above. APPLYING FOR TITLE IV AID School Code: 041641 STEPS TO APPLY FOR FEDERAL STUDENT AID Step 1. Complete the Free Application for Federal Student Aid (FAFSA) www.FAFSA.ed.gov www.pin.edu.gov This website is easy to navigate, and may be used to access your account, make changes to your PIN, etc. Go to this website first, to create an electronic signature PIN. (Do NOT allow the website to create it for you). Page All Central Processing Systems selected ISIR verification and/or corrections must be completed prior to qualifying for aid. - If the student is selected for verification, the student will receive Montana Academy verification policy and verification worksheet from the financial aid office that must be completed. 14 Step 2. Review your Student Aid Report (SAR). This usually includes your Expected Family Contribution (EFC) number. Your EFC is a measure of your family’s financial strength, the SAR should reflect the information you submitted on your FAFSA. Step 3. Contact Montana Academy, you can reach us at 406.771.8772 ext. 5, or email us at [email protected] The student will also be need to verify income through the IRS Data Retrieval System. If selected, this verification process must be completed before a student can receive federal aid. - The verification process could result in a corrected ISIR and new EFC (Expected Family Income) number which could affect aid in the form of a Pell grant and unmet need The Primary EFC provided on the student’s ISIR will be used to calculate need and unmet need analysis through the Cost of Attendance Worksheet. - His/Her Primary EFC number corresponds with the number of months in each academic year. - The Cost of Attendance Budget for each academic year includes the student’s Career Investment Costs per academic year. These costs include tuition, applicable fees, textbooks and kit items (per the academic year in which the costs are incurred), room and board, personal expenses and transportation costs. Montana Academy utilizes the information presented on the student’s o ISIR and the NSLDS (National Student Loan Data System) to determine the student’s eligibility and to calculate the students need or unmet need for the student’s grade level. This is done in compliance with the Cost of Attendance Budget grade level limits based on hours in the academic year. Students desiring low interest Stafford Federal Student Loans must complete a Master Promissory Note or E-MPN. Parents desiring to take out a Federal Parent Plus Loan on behalf of their dependent daughter or son must complete a Parent Plus loan application. Students will need to accept or decline eligible aid. Accepted aid will be listed on the student’s award letter. Aid is packaged by Academic Year Students must complete the Entrance Loan Counseling prior to the student receiving a disbursement of any Federal loans. For Direct Loans, students may access Entrance Loan Counseling at www.studentloans.gov. Students are required to notify Montana Academy Financial Aid Administrator if they receive any additional financial assistance before or after an award letter has been issued. Scholarships or other types of financial aid could be reported throughout the year. - If additional awarded aid causes the student to exceed the cost of attendance, it may be necessary to reduce the amount of previously awarded aid. - The hourly disbursement schedule for the full-time cosmetology Grade Level 1 1st disbursement Grade Level1 2nd disbursement Grade Level 2 1st disbursement Grade Level 2 2nd disbursement Grade Level 3 1st disbursement Grade Level 3 2nd disbursement 152 Hours 450 Hours 900 Hours 1350 Hours 1800 Hours 1900 Hours Page 15 DISBURSING AID DISBURSEMENTS FOR SHORT COURSES APPROVED FOR TITLE IV The hourly disbursement schedule for the part-time esthetics - Grade Level 1, 1st disbursement, 66 hours. - Grade Level 1, 2nd disbursement, 325 hours. The hourly disbursement schedule for the full-time massage - Grade Level 1, 1st disbursement, 152 hours. - Grade Level 1, 2nd disbursement, 350 hours. Aid will be disbursed through Montana Academy financial aid office by a staff member not involved in packaging and /or awarding aid. - At the time of disbursement, students will sign the Direct Loan / Pell Disbursement Sheet and student report card for SAP requirements and to acknowledge how aid is applied The student must be maintaining Satisfactory Academic Progress or be eligible to be placed on Financial Aid Warning or Financial Aid Probation. DISBURSEMENT CREDIT BALANCE REFUND SUMMARY A refund from a credit balance will be issued to the student if: - The student has been disbursed financial aid that exceeds his or her tuition and fees charges for the payment period in which the disbursement occurred unless financial aid authorization is signed No credit balances will be carried over from one academic year to the next. If there is a credit balance at the end of an academic year, the student will receive a refund prior to the end of the academic year.. All credit balance refunds will be issued by check within 14 calendar days of the disbursement. A credit balance refund will be given to the parent if: - The amount of the PLUS loan is greater than the student's tuition and fees charges for the payment period in which the disbursement occurred. - All credit balance refunds will be issued by check within 14 calendar days of the disbursement. DEFERMENT Students who are enrolled at least half time can apply for deferment of previous students loans while in attendance at Montana Academy. - Deferment form is available in the financial aid office of Montana Academy. EFFECTS OF STUDENT LOANS Page If the student receives other forms of financial assistance such as scholarships it may reduce the student or the student’s parent eligibility for Federal Aid. Loans must be repaid, even if the student does not finish their education. Loan repayment begins 6 months from the student’s last day of attendance. If a student does not return within a maximum 180 calendar day Leave of Absence, the student’s loans immediately enter repayment. Failure to repay a student loan will leave a negative mar on the borrower’s credit. 16 Over borrowing of student loans may cause a borrower, during repayment, to incur larger payments than their earning potential can handle, especially during the early years of repayment. EXIT LOAN COUNSELING All students at Montana Academy must complete an Exit Interview. The students can review Exit Loan Counseling for Direct Loans at www.nslds.ed.gov . Students must also complete the Exit Interview process in Montana Academy financial aid office. Students will make a personal appointment with the FAO to complete the process. REQUIRED EXIT INTERVIEW ELEMENTS Review student loan debt Review repayment plan options Use of MPN or E-MPN Provide a copy of repayment schedule and provide the average monthly repayment amount based on students borrowing history at Montana Academy Options and Consequences of loan consolidation Terms and conditions for deferment or forbearance Discuss debt management strategies o Hand out Exit Interview Budget Management Worksheet Example The obligation of the borrower to repay the full loan amount regardless if the borrower completes the program or secures employment How to access the NSLDS website Contact information of FSA Ombudsman’s office Seriousness of Loan Repayment and helping the borrower understand their rights and responsibilities concerning loan repayment Collect updated personal contact information for the borrower Options to prepay loans, loan payments on a compressed schedule, changing repayment plans Consequences of default Tax Benefits for borrowers Information about NSLDS COST OF ATTENDANCE COSMETOLOGY (Effective date 11/01/2013) 17 Cost of Attendance falls into two categories - Cost of Attendance for “Dependent” students living at home - “All Others” (Dependent students living in an apartment, and Independent students) - Is based on the length of the program, tuition and fees, loan fees, as well as average national room and board, personal expenses, and transportation costs. Below is the budget for each program listed below. Page Number of Months Tuition Books/Supplies Registration fee Other Loan Fees Room & Board Personal Transportation Total Dependent (1AY) 6 $7,650 $2,200 $200 $0 $100 $2,472 $1,446 $936 $15,004 Number of Months Tuition Books/Supplies Registration fee Other Loan Fees Room & Board Personal Transportation Total All Others (1AY) All Others (2AY) All Others (3AY) 6 6 2 $7,650 $7,650 $1,700 $2,200 $0 $0 $200 $0 $0 $0 $0 $0 $100, $110 $25 $4,824 $4,824 $1,608 $1,446 $1,446 $482 $936 $936 $312 $17,356 $14,966 $4,124 Room & Board Personal Expenses Transportation Expenses Dependent (3AY 2 $1,700 $0 $0 $0 $25 $824 $482 $312 $3,343 $412/Month for Dependents living at home $804/Month for All others $241 $156/Month (Effective date 01/01/2013) Total Room & Board Personal Expenses Transportation Expenses All Others (1AY) 11 $7,000 $1,600 $200 $0 $34 $8,701 $2,607 $1,683 $21,825 $405/Month for Dependents living at home $791/Month for All others $237 $153/Mon 18 Number of Months Tuition Books/Supplies Registration fee Other Loan Fees Room & Board Personal Transportation Dependent (1AY) 11 $7,000 $1,600 $200 $0 $34 $4,455 $2,607 $1,683 $17,579 Total Page ESTHETICS Dependent (2AY) 6 $7,650 $0 $0 $0 $110 $2,472 $1,446 $936 $12,614 MASSAGE THERAPY (Effective date 07/01/2012) Number of Months Tuition Books/Supplies Registration fee Other Loan Fees Room & Board Personal Transportation Total Room & Board Personal Expenses Transportation Expenses Dependent (1AY) 5 $10,500 $700 $200 $0 $37 $2,025 $1,185 $765 $15,412 Total All Others (1AY) 5 $10,500 $700 $200 $0 $37 $3,955 $1,185 $765 $17,342 $405/Month for Dependents living at home $791/Month for All others $237/Month $153/Month If the student initiates an early withdrawal or if it is determined that a student must discontinue her/his education at Montana Academy, the following steps must be taken: - The student must first consult with her/his team leader to discuss the reason for the withdrawal. - The student should set up an appointment with the admissions/financial aid office to complete the exit interview. - During the exit interview, the student’s file will be checked for inclusive documentation. - Financial aid students who had Direct Loans packaged in their awarded aid must complete the Exit Loan Counseling on www.nslds.ed.gov - All students must complete an exit interview with Montana Academy Financial Aid Administrator. - A withdrawal may result in the student owing Montana Academy tuition and / or fees. If the student’s aid package included Federal loans or grants, all or part of the Federal Aid, if already disbursed, could be required to be returned, based on the results of The Department of Education Return to Title IV Funds (R2T4) calculation. The R2T4 calculation is completed o Results may reflect an adjustment to the student’s ledger If the R2T4 calculation results in a post withdrawal disbursement, the post withdrawal disbursement can only be requested or applied to a student’s ledger balance if the student has satisfactory progress at the time of the withdrawal and the student gives written permission for the post withdrawal disbursement. Montana Academy Refund Worksheet will then be completed; taking into account any returned Federal Aid. Montana Academy Refund Worksheet is based on the entire program. Based on results of both the R2T4 and Montana Academy Refund Policy, the student o could incur a debt to Montana Academy for unpaid tuition or fees and in addition have Federal Stafford Loans / Private Loans to repay. Cash Paying Student: Montana Academy FAO will calculate Montana Academy Refund Worksheet to determine if the student owes Montana Academy for tuition and /or fees or if Montana Academy owes the student a refund. Page 19 Withdrawal Procedures Prior to Graduation For all students: If Montana Academy Refund Worksheet calculation indicates the student still owes Montana Academy, the debt to Montana Academy must be paid in full before the release of transcripts (unless your state law indicates otherwise). If the calculation shows a refund is due to the student, the refund check will be issued to the student within 45 days of the date of determination of the withdrawal from the program. If a student does not officially withdraw, the student will be dropped from the program when the student ceases to call to report an absence and / or ceases to attend after 14 days have elapsed. If an extenuating circumstance arises resulting in the student’s inability to attend the exit interview, an exit letter will be sent to the student outlining the results of the refund calculation(s) indicating: - the student’s responsibilities of repaying their student loan(s). - Direct Loan Servicing Center contact information for loan repayment (if applicable) - any contact information regarding the student’s private loan (if applicable) - Montana Academy will include in the exit letter all contact information for Montana Academy Financial Aid Administer for any questions that may arise or for explanation of the exit letter. Any student who withdraws prior to graduation will be made aware of the possible consequences of withdrawing prior to completing the program. o For financial aid students, repayment on Federal loans begins 6 months from their last date of attendance. o Students who took a full 180 calendar day Leave of Absence (LOA) and who did not return from the LOA will go into immediate loan repayment, if applicable. RETURN TO TITLE IV FUNDS POLICY The Financial Aid Department administers the Return to Title IV Funds Calculation (R2T4). The R2T4 calculation is completed by a third party servicer. This policy applies to students who withdraw from Montana Academy herein after known as “Montana Academy”. The circumstances of withdrawal can include those students who officially or unofficially withdraw. Withdrawn students would be identified by 1) a student who did not return from an approved or unapproved Leave of Absence, 2) those who were dismissed from enrollment, 3) those who chose to withdraw from the program and notified Montana Academy, 4) Montana Academy was notified by a second party due to circumstances beyond the student’s control. 5) those who no called, no showed for 14 days. Montana Academy tracks all students’ attendance. All R2T4 calculations are based on the student’s last date of attendance as provided by the student’s attendance records. The R2T4 determines the amount of aid that was earned. The R2T4 is based on the payment period. Page Students who owe an overpayment of Pell grants as a result of withdrawal from the program, initially will retain their eligibility for Title IV funding for 45 days of the earlier of 1) date Montana Academy sends the student notification of the over award 2) the date Montana Academy was required to notify the student of overpayment. Within 30 days of determining that the student’s withdrawal created a repayment of all or 20 After the student has completed 60% of the payment period, no refund is due. The R2T4 is completed for all withdrawals to determine if the student is approved for a post withdrawal disbursement. For Academies that take attendance or are required to take attendance, the percentage of the payment period completed is determined by dividing the number of hours the student was scheduled to complete in the payment period as of the withdrawal date by the total number of clock hours in that same period. The calculation for the percent of completion of the payment period is as follows: Montana Academy will determine the actual date the student started the payment period and the last date of attendance and will figure the scheduled clock hours within that period of time. The number of clock hours the student was scheduled to complete within that payment period is divided by the total number of clock hours in that payment period to determine percent completed. Days a student was on a Leave of Absence are excluded from this calculation. No aid is disbursed during a Leave of Absence therefore is not a part of this calculation. part of the Pell grant, Montana Academy must notify the student that she/he must repay the overpayment or make satisfactory arrangements to repay. The student will be notified of overpayment of Title IV funds and that the student’s eligibility for additional Title IV aid will cease if the student fails to take a positive th action by the 45 day following notification from Montana Academy. The student will have the options of paying the overpayment in full or arranging a repayment agreement with the Department of Education. If the student fails to take action to repay during the 45 days allotted, Montana Academy or third party servicer will report this to the NSLDS. The R2T4 does not dictate Montana Academy Refund Policy and is not based on the student’s educational charges, only the scheduled time within the payment period in which the student drops. This policy is separate from Montana Academy Refund Policy. All students who have utilized Title IV funding will have the R2T4 Calculation completed prior to calculating Montana Academy Refund Policy. Therefore, a student may still owe funds for unpaid charges to Montana Academy to cover educational charges. If Montana Academy is required to return federal funds, Montana Academy will return Federal Aid disbursed that was credited to the student’s account for the payment period in which the student withdrew. Montana Academy will refund any unearned Title IV aid due within 45 days of the date of determination of withdrawal. For credit hour or clock hour Academies that require attendance, the date of determination will be no later than 14 days from the last date of attendance. Funds are returned in the following order: 1) Unsubsidized 2) Subsidized 3) Parent Plus 4) Pell. Montana Academy will take the returned funds into account when calculating Montana Academy Refund Policy. If the student owes a repayment obligation due to unearned federal funds or from Montana Academy Refund Calculation, the student will be notified in person during an exit interview or in writing in the case of a no show for the exit interview. If the student is due a post withdrawal disbursement, Montana Academy will advise the student or parent they have 14 calendar days from the date Montana Academy sent notification to accept a post withdrawal disbursement. Any student who qualifies for a post withdrawal disbursements must meet the current award year requirements and time frames for late disbursements. The student must give permission to disburse the post withdrawal disbursement in writing. A student who is not at SAP at the time of withdrawal is not eligible for a post withdrawal disbursement. A post withdrawal disbursement for Pell grants of which the student is awarded will be disbursed within 45 days of the date Montana Academy determined the student withdrew. Post withdrawal loan funds a student accepts will be made within 180 days from the date Montana Academy determined the student withdrew. The Academies responsibility in regard to the Return to Title IV funds are as follows: To provide students with the information contained in this document. Identifying students who have withdrawn and will be affected by this Policy. Return all unearned Title IV funds in compliance with The Department of Education requirements. The Student’s responsibilities in regard to the Return to Title IV funds are as follows: Page Any questions about the student’s Title IV aid may available at www.studentaid.ed.gov or can be directed to Montana Academy financial aid office at (406) 771-8772 x 3 or The Federal Student Aid Information Center at 1-800-433-3243. 21 Return unearned Title IV funds that were disbursed to the student where in the student was deemed ineligible, based on the R2T4 calculation. When possible, the student should notify Montana Academy in writing of official withdrawal. If the student rescinds her/his decision to withdraw, the student must notify Montana Academy in writing. All requests to withdraw or rescind must be delivered to Montana Academy financial aid office. ACADEMY REFUND POLICY Montana Academy Refund Policy can be found in Montana Academy Admissions Office or in Montana Academy Catalog. COPYRIGHT INFRINGEMENT POLICY Unauthorized distribution of copyrighted material, including unauthorized peer- to-peer sharing, and the use of Montana Academy information and its technology systems will subject students to Academy disciplinary actions and may subject students to civil and criminal liabilities and penalties of federal copyright laws. A student may be terminated from Montana Academy for the following reasons: On an authorized Montana Academy computer without permission Tampering or disabling an Montana Academy computer Removing information from a Montana Academy computer by print or illegally downloading Moving or deleting information from a Montana Academy computer On a Montana Academy computer unattended Unauthorized use of a Montana Academy computer that is not accessible to students Unauthorized peer-to-peer file sharing Unauthorized distribution of copyrighted materials in any form using Montana Academy’s information technology system Students may have limited access to the following Montana Academy computers, however students may not log into the following Montana Academy computers without authorization from a Montana Academy owner / director / educator. Student Salon Area Front Desk Appointment Book Student Salon Area Booking Station Student Library The student must be under the supervision of a licensed educator or a Montana Academy staff member at all times while using Montana Academy computer. Students do not have access to the following Montana Academy computers: Admissions Educators Financial Aid Office o A student may complete their FAFSA/ E-MPN / Entrance Counseling / Exit Counseling on line only when in the presence of the financial aid administrator Owners An Employee may be subject to termination from Montana Academy for the following reasons: Unauthorized use of Academy copyrighted material Tampering or disabling an Academy computer Removing information from an Academy computer by print or illegally downloading Moving or deleting information from an Academy computer Distributing Academy copyrighted material in any form with unauthorized persons or companies Page Copyright infringement is the act of pursuing, without Academy permission or legal authority, one or more of the exclusive rights granted to the copyright owner under section 106 of the Copyright Act (Title 17 of the United States Code). These rights include the right to reproduce or distribute any copyrighted work. In the file-sharing context, downloading or uploading substantial parts of a copyrighted work without 22 In addition, a student or employee may be subject to criminal penalties resulting from prosecution. This above mentioned list is not all-inclusive and the student and employee needs to be aware of possible severe sanctions if found to be violating the copyright policies. authority constitutes an infringement. An alternative to copyright infringement is to purchase information legally. Penalties for copyright infringement include civil and criminal penalties. In general, anyone found liable for civil copyright infringement may be ordered to pay either actual damages of “statutory” damages affixed at not less than $750 and not more than $30,000 per work infringement. For “willful” infringement, a court may award up to $150,000 per work infringed. A court can, in its discretion, also assess costs and attorney’s fees. For details, see Title 17, United States Code, Section 504,505. Willful copyright infringement can also result in criminal penalties, including imprisonment of up to five years and fines of up to $250,000 per offense. For more information please see the Web site of the U.S. Copyright office at www.copyright.gov . IPEDS Statistics The College Navigator website (http://nces.ed.gov/collegenavigator/) provides current and prospective students information about student body diversity, including the percentage of enrolled, full-time students in the following categories: Male / Female, Self-identified members of a major racial or ethnic group and Federal Pell Grant recipients. The College Navigator website also gives information concerning student services, students with disabilities, career placement during and after enrollment and transfer of credit from other schools, retention, licensure, graduation and placement rates. RIGHT TO KNOW (PRE-ENROLLMENT INFORMATION) Montana Academy also provides means to this information in house through the Right to Know document (Pre-enrollment Information, including but not limited to graduation licensure and placement rates) is provided to all students at the time of contract signing, prior to the signing of the enrollment agreement (contract). Job Placement assistance is provided at Montana Academy. - Information on types of employment for our graduates is found in Montana Academy Admissions Office. - This information is gathered from graduate surveys, employer surveys and during the exit interview process or during follow up calls with our graduates. FEDERAL DRUG TRAFFICKING PENALTIES Page 23 The Campus Security Disclosure details in full the Drug and Alcohol Abuse and Prevention Policy. The Federal Drug Trafficking Penalties are as follows: Page 24 CAMPUS SECURITY DISCLOSURE BACKGROUND The Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act (20 USC § 1092(f)) is the landmark federal law, originally known as the Campus Security Act, that requires colleges and universities across the United States to disclose information about crime on and around their campuses. The law is tied to an institution's participation in federal student financial aid programs and it applies to most institutions of higher education both public and private. The Act is enforced by the United States Department of Education. The law was amended in 1992 to add a requirement that schools afford the victims of campus sexual assault certain basic rights, and was amended again in 1998 to expand the reporting requirements. The 1998 amendments also formally named the law in memory of Jeanne Clery. Subsequent amendments in 2000 and 2008 added provisions dealing with registered sex offender notification and campus emergency response. The 2008 amendments also added a provision to protect crime victims, "whistleblowers", and others from retaliation. Page As stated in the above definition Montana Academy agrees to comply and provide all students and staff a copy of the campus security report at the beginning of each calendar year and to all prospective students’ enrolling at Montana Academy. The report will include the previous calendar year statistics to comply with the Consumer Reporting requirement of the most recent 3 completed calendar years. Statistics will be gathered from the local police and compiled in the disclosure. These same statistics will be entered on the Campus Crime Report due in October of each year. Montana Academy is fully committed to providing a violence-free campus. o Montana Academy is dedicated to providing a safe environment for all of its students, faculty and staff, and salon area guests. o A staff member should be notified immediately if unusual threatening behavior is noticed or suspected. If a crime occurs a staff member should be notified, that staff member will then help in reporting the crime to local police or the appropriate authority. o Montana Academy prohibits any retaliation against anyone who in good faith reports any violations of the campus security policy. o Bullying or implied threat, intimidation, sexual harassment and violence will not be tolerated at Montana Academy. o Weapons of any kind are not permitted on campus; this includes the academy building and surrounding parking lot. o The Annual Security Report is prepared by the office team of the CEO. o If there is an imminent threat or harm please call 911 immediately. (The crime statistics in this report cover an area on 501 2nd Street South, Great Falls, MT, and include any incidents on campus at the physical location of the Montana Academy (612 2nd Ave.) and including the Montana Academy parking lot, adjacent sidewalks and streets.) 25 REQUIREMENTS 2010 2011 2012 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Page Crime Categories: Years: Criminal Homicide: Murder & Non-negligent manslaughter a. Negligent manslaughter Sex Offenses: a. Forcible sex offenses b. Non-forcible sex offenses Robbery Aggravated Assault Simple Assault Intimidation Burglary Motor Vehicle Theft Larceny-Theft Destruction, damage or vandalism to property Any other crime involving bodily injury Arson Liquor/Drug/Illegal Weapons Violations: a. Arrests for liquor violations, drug law violations, and illegal weapons possession b. Persons not included above who were referred for campus disciplinary action for liquor law violations, drug law violations, and illegal weapons possessions Hate Crimes: a. Race b. Gender c. Religion d. Sexual Orientation e. Ethnicity f. Disability 26 Montana Academy of Salons SECURITY OFFICERS & LOCAL POLICE Montana Academy does not employ security officers, but does have a direct working relationship with the local police. Local police provide prompt service and are able to support the academy with any crime issues. We encourage accurate and prompt reporting of all crimes to the local police. If for inclusion in the annual disclosure of crime statics a student would like to report a crime on a voluntary, confidential basis they can do so through a staff member. MONTANA ACADEMY FACILITIES Montana Academy facilities are in operation Monday through Saturday. The building may also be used for educational purposes outside of the regular business hours to hold classes for licensed professionals in cosmetology or for groups securing the facilities through the owner. Keys to the building are held only by the owners, educators and appointed staff members, which helps to prevent internal crimes to an extent. At Montana Academy we highly encourage students and staff to be responsible for your own security and the security of others. SEX OFFENSES Please contact the Great Falls Police Department to report any sex offenses immediately. The seriousness of this offense makes is vital to preserve evidence for proof of the criminal offense. Montana Academy will provide assistance in any way possible. Information on counseling or referrals centers are released to students and staff upon request. If a sex offense happens where both the accused and the accuser attend Montana Academy, both the accuser and the accused: Are entitled to the same opportunities to have others present during a disciplinary proceeding and Will be informed of Montana Academy’s final determination of any Montana Academy disciplinary proceeding with respect to the alleged sex offense and any sanction that is imposed against the accused and The dismissal that may occur following a final determination of said proceedings regarding rape, acquaintance rape, or other forcible or no-forcible sex offenses. Montana Academy will work with students to change a student’s academic situation (i.e., allowing the student to take a leave of absence, allowing the student to enroll in a later program , etc.) if the change is requested by the victim and the change is reasonably available. Montana Academy does not provide any programs on campus regarding sexual assault 27 If you wish to learn more about personal security or prevention of crimes please contact the local Police Department as Montana Academy does not provide any programs regarding security of prevention of crimes Montana Academy does not have any off-campus locations and therefore all monitoring and recording of any criminal activity is conducted at the campus location of 501 2nd Street S, Great Falls, MT Montana Academy does not have any on-campus housing and therefore does not have a missing student policy or fire policy Page prevention. If students or staff wishes to learn more about the prevention of sexual assault, contact the local Police Department. Individuals wishing to learn additional information about registered sex offenders may check website information for the City of Great Falls. DRUG AND ALCOHOL ABUSE PREVENTION Page DRUG FREE CAMPUS The Drug Prevention Policy and its effectiveness is review every two years by Montana Academy. If changes are necessary, staff will be notified at the next staff meeting. The new policy will be presented in written form to all students and will be implemented from that point forward. Montana Academy prohibits the unlawful possession, use or distribution of illicit drugs and alcohol by students and staff on the property or as part of any Academy activities. In some cases, conviction of drug-related offenses could result in the student’s ineligibility of Title IV funding or other forms of financial assistance. Montana Academy will expel students and terminate staff involved in unlawful possession, use or distribution of illicit drugs and alcohol on Montana Academy premises and will refer such cases to the proper authorities for prosecution. Students and staff may be reinstated upon completion of an appropriate rehabilitation program. If an arrest for drug or alcohol related incidences occurs off site, the student/staff is required to inform Montana Academy so Montana Academy can assist with providing resources to aid the student/staff member. As a condition of employment, employees must notify Montana Academy of any criminal drug statute conviction for a violation occurring in the workplace no later than five days after such conviction. Montana Academy policy supports and enforces state underage drinking and illicit drug laws. The Biennial Review method of distribution for newly enrolling students is during the orientation process. The Biennial Review method of distribution for all current students is handing out a copy in the Advance Class. To ensure all students will receive a copy, students who are absent on the day of Advance Class will be handed a copy by their educator upon the student’s return. The educator will take an attendance role call during the Advanced Class to determine missing students. The Biennial Review distribution for staff is annually during a staff meeting. Absent staff members will be given a copy upon their return. If new staff joins after the annual distribution, all drug related material will be given as part of the new hire program. 28 Information for Crime Victims about Disciplinary Proceedings Information will be disclosed upon written request, to any alleged victim of any crime of violence or non-forcible sex offense, the results of any disciplinary proceedings conducted by Montana Academy 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. Montana Academy will immediately contact law enforcement officials to report all unlawful activate. The health risks of illicit drugs and alcohol abuse requires Montana Academy to provide education and referrals for students and staff. Montana Academy provides education and distribution of materials annually and refers students and staff to local services. Health risks associated with the use of illicit drugs and the abuse of alcohol include: Impaired mental and physical health, neurological disease/damage, memory and intellectual performance interference, mental and physical depression, uncontrollable violence, impulsive behavior, convulsive seizures, homicide, suicide, cardiac disease or damage, cardiovascular collapse or heart failure, gastrointestinal disease or damage, ulcers or erosive gastritis, anemia, liver and pancreatic disease, liver failure or pancreatitis, deteriorating relationships, and death. Area drug abuse information, counseling, referral and treatment and rehabilitation centers information is made available to students or staff members. Area agencies include: List can be found in the restrooms and the Student Lounge. Rocky Mountain Treatment Center, 920 4th Ave. North, Great Falls, MT 59404 Phone: 406-727-8832 ext. 2110 The applicable Montana laws relating to the unlawful manufacture, distribution, possession, or use of a controlled substance are found respectively in Montana Code Annotated 45-9101 through 301. 45-9-101. Criminal distribution of dangerous drugs. (1) Except as provided in Title 50, chapter 46, a person commits the offense of criminal distribution of dangerous drugs if the person sells, barters, exchanges, gives away, or offers to sell, barter, exchange, or give away any dangerous drug, as defined in 50-32-101. (2) A person convicted of criminal distribution of a narcotic drug, as defined in 50-32101(18)(d), or an opiate, as defined in 50-32-101(19), shall be imprisoned in the state prison for a term of not less than 2 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (3) (a) A person convicted of criminal distribution of a dangerous drug included in Schedule I or Schedule II pursuant to 50-32-222 or 50-32-224, except marijuana or tetrahydrocannabinol, who has a prior conviction for criminal distribution of such a drug shall be imprisoned in the state prison for a term of not less than 10 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (b) Upon a third or subsequent conviction for criminal distribution of such a drug, the person shall be imprisoned in the state prison for a term of not less than 20 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (c) The exception for marijuana or tetrahydrocannabinol in subsection (3)(a) does not apply to synthetic cannabinoids listed as dangerous drugs in 50-32-222. (4) A person convicted of criminal distribution of dangerous drugs not otherwise provided for in subsection (2), (3), or (5) shall be imprisoned in the state prison for a term of not less than 1 year or more than life or be fined an amount of not more than $50,000, or both. Page 29 MONTANA LAWS (a) If convicted pursuant to subsection (2), the person shall be imprisoned in the state prison for not less than 4 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (b) If convicted of the distribution of a dangerous drug included in Schedule I or Schedule II pursuant to 50-32-222 or 50-32-224 and if previously convicted of such a distribution, the person shall be imprisoned in the state prison for not less than 20 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (c) If convicted of the distribution of a dangerous drug included in Schedule I or Schedule II pursuant to 50-32-222 or 50-32-224 and if previously convicted of two or more such distributions, the person shall be imprisoned in the state prison for not less than 40 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (d) If convicted pursuant to subsection (4), the person shall be imprisoned in the state prison for not less than 2 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (6) Practitioners, as defined in 50-32-101, and agents under their supervision acting in the course of a professional practice are exempt from this section. 45-9-102. Criminal possession of dangerous drugs. (1) Except as provided in Title 50, chapter 46, a person commits the offense of criminal possession of dangerous drugs if the person possesses any dangerous drug, as defined in 50-32-101. (2) A person convicted of criminal possession of marijuana or its derivatives in an amount the aggregate weight of which does not exceed 60 grams of marijuana or 1 gram of hashish is, for the first offense, guilty of a misdemeanor and shall be punished by a fine of not less than $100 or more than $500 and by imprisonment in the county jail for not more than 6 months. The minimum fine must be imposed as a condition of a suspended or deferred sentence. A person convicted of a second or subsequent offense under this subsection is punishable by a fine not to exceed $1,000 or by imprisonment in the county jail for a term not to exceed 1 year or in the state prison for a term not to exceed 3 years or by both. This subsection does not apply to the possession of synthetic cannabinoids listed as dangerous drugs in 50-32-222. (3) A person convicted of criminal possession of an anabolic steroid as listed in 50-32-226 is, for the first offense, guilty of a misdemeanor and shall be punished by a fine of not less than $100 or more than $500 or by imprisonment in the county jail for not more than 6 months, or both. (4) A person convicted of criminal possession of an opiate, as defined in 50-32-101(19), shall be imprisoned in the state prison for a term of not less than 2 years or more than 5 years and may be fined not more than $50,000, except as provided in 46-18-222. (5) (a) A person convicted of a second or subsequent offense of criminal possession of methamphetamine shall be punished by: 30 (5) A person who was an adult at the time of distribution and who is convicted of criminal distribution of dangerous drugs to a minor shall be sentenced as follows: Page (i) imprisonment for a term not to exceed 5 years or by a fine not to exceed $50,000, or both; or (ii) commitment to the department of corrections for placement in an appropriate correctional facility or program for a term of not less than 3 years or more than 5 years. If the person successfully completes a residential methamphetamine treatment program operated or approved by the department of corrections during the first 3 years of a term, the remainder of the term must be suspended. The court may also impose a fine not to exceed $50,000. (b) During the first 3 years of a term under subsection (5)(a)(ii), the department of corrections may place the person in a residential methamphetamine treatment program operated or approved by the department of corrections or in a correctional facility or program. The residential methamphetamine treatment program must consist of time spent in a residential methamphetamine treatment facility and time spent in a community-based prerelease center. (c) The court shall, as conditions of probation pursuant to subsection (5)(a), order: (i) the person to abide by the standard conditions of probation established by the department of corrections; (ii) payment of the costs of imprisonment, probation, and any methamphetamine treatment by the person if the person is financially able to pay those costs; (iii) that the person may not enter an establishment where alcoholic beverages are sold for consumption on the premises or where gambling takes place; (v) the person to enter and remain in an aftercare program as directed by the person's probation officer; and (vi) the person to submit to random or routine drug and alcohol testing. (6) A person convicted of criminal possession of dangerous drugs not otherwise provided for in subsections (2) through (5) shall be imprisoned in the state prison for a term not to exceed 5 years or be fined an amount not to exceed $50,000, or both. (7) A person convicted of a first violation under this section is presumed to be entitled to a deferred imposition of sentence of imprisonment. (8) Ultimate users and practitioners, as defined in 50-32-101, and agents under their supervision acting in the course of a professional practice are exempt from this section. 45-9-103. Criminal possession with intent to distribute. (1) Except as provided in Title 50, chapter 46, a person commits the offense of criminal possession with intent to distribute if the person possesses with intent to distribute any dangerous drug as defined in 50-32-101. (2) A person convicted of criminal possession of an opiate, as defined in 50-32-101(19), with intent to distribute shall be imprisoned in the state prison for a term of not less than 2 31 (iv) that the person may not consume alcoholic beverages; Page (3) A person convicted of criminal possession with intent to distribute not otherwise provided for in subsection (2) shall be imprisoned in the state prison for a term of not more than 20 years or be fined an amount not to exceed $50,000, or both. (4) Practitioners, as defined in 50-32-101, and agents under their supervision acting in the course of a professional practice are exempt from this section. 45-9-110. Criminal production or manufacture of dangerous drugs. (1) Except as provided in Title 50, chapter 46, a person commits the offense of criminal production or manufacture of dangerous drugs if the person knowingly or purposely produces, manufactures, prepares, cultivates, compounds, or processes a dangerous drug, as defined in 50-32-101. (2) A person convicted of criminal production or manufacture of a narcotic drug, as defined in 50-32-101(18)(d), or an opiate, as defined in 50-32-101(19), shall be imprisoned in the state prison for a term of not less than 5 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. (3) A person convicted of criminal production or manufacture of a dangerous drug included in Schedule I of 50-32-222 or Schedule II of 50-32-224, except marijuana or tetrahydrocannabinol, who has a prior conviction that has become final for criminal production or manufacture of a Schedule I or Schedule II drug shall be imprisoned in the state prison for a term of not less than 20 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. Upon a third or subsequent conviction that has become final for criminal production or manufacture of a Schedule I or Schedule II drug, the person shall be imprisoned in the state prison for a term of not less than 40 years or more than life and may be fined not more than $50,000, except as provided in 46-18-222. The penalties provided for in this subsection also apply to the criminal production or manufacture of synthetic cannabinoids listed as dangerous drugs in 50-32-222. (4) A person convicted of criminal production or manufacture of marijuana, tetrahydrocannabinol, or a dangerous drug not referred to in subsections (2) and (3) shall be imprisoned in the state prison for a term not to exceed 10 years and may be fined not more than $50,000, except that if the dangerous drug is marijuana and the total weight is more than a pound or the number of plants is more than 30, the person shall be imprisoned in the state prison for not less than 2 years or more than life and may be fined not more than $50,000. "Weight" means the weight of the dry plant and includes the leaves and stem structure but does not include the root structure. A person convicted under this subsection who has a prior conviction that has become final for criminal production or manufacture of a drug under this subsection shall be imprisoned in the state prison for a term not to exceed twice that authorized for a first offense under this subsection and may be fined not more than $100,000. (5) Practitioners, as defined in 50-32-101, and agents under their supervision acting in the course of a professional practice are exempt from this section. EMERGENCY RESPONSE/PROCEDURES / EVACUATION Page 32 years or more than 20 years and may be fined not more than $50,000, except as provided in 46-18-222. An Emergency Procedures binder is found in Montana Academy Admissions Office and at the Salon Area front desk. Emergency Phone Numbers Immediate Help (Fire, Police, Rescue Squad) - 9-1-1 Administrative Offices – 406-771-8771 Cascade Police Department -406-454-6978 Cascade Fire Department – 406-454-6978 Cascade Sheriff Department-406-454-6978 Cascade Ambulance Department-406-454-6978 TIMELY WARNING Notification provided in a suitable manner to students, staff, and salon area guests and/or community neighbors if necessary, of an impending threat or occurring emergency situation. This can be delivered in a verbal form for those in attendance in the building. This may also be distributed by email, text, social media and signage to staff members and all students. Montana Academy will issue timely warnings in the timeliest manner possible. Crimes included in timely warnings are as follows: o Criminal homicide, forcible and non-forcible sex offenses, robbery, aggravated assault, simple assault, intimidation, vandalism, burglary, motor vehicle theft, larceny-theft, destruction, damage, or vandalism to property, arson, hate crimes including crimes involving bodily injury reported to local police agencies that show evidence of prejudice based on race, gender, religion, sexual orientation, ethnicity or disability, arrests for violations of liquor and drug law violations, and illegal weapons possession, and persons not arrested but referred for disciplinary action for liquor, drug, and weapons law violations. **Montana Academy is not required to provide timely warning with respect to crimes reported to a pastoral or professional counselor** EMERGENCY NOTIFICATION An emergency notification is an immediate notification of an unforeseen combination of circumstances that calls for immediate action. Can be in verbal form using the codes listed below and can be in written form, posted on the front and back door of Montana Academy. Every educator, administrative staff, and front desk personnel have received training on how to handle a pending emergency. All staff has been trained in the following Emergency Codes. Code Evacuate Front: Indicates a need to evacuate the classroom immediately and exit through a front entrance only. Code Evacuate Back: Indicates a need to evacuate through the back entrance only. Page 33 CODES FOR AN EMERGENCY SITUATION Code Lock Down: A lock down situation has occurred. Staff and students are to remain calm and do not leave the classroom. Code Dangerous: Indicates a dangerous situation has occurred outside the building and no one is allowed to leave the building. Code Hostage: A hostage, criminal or terrorist threat / situation EMERGENCY RESPONSE PROCEDURES At the time of an urgent unanticipated event, staff members will assess the situation to determine the significance of an emergency. Without delay, Montana Academy will take into account the safety of its students, staff and salon area guests and surrounding community. In the event of a dangerous situation and without delay will assess the situation and will: o Determine appropriate code for the emergency o Assist any victim(s) o Respond and / or contain the emergency at hand o Diffuse the dangerous situation if possible o Contact authorities o Determine course of action in order to protect entire Academy population Begin the notification process. o In the event of an emergency, staff and students will be notified by either verbal communication (for students currently in the building), or email communication (for students not in attendance) to notify them of the particular situation. Roll call will be taken as soon as reasonably possible to ensure all students and staff have been accounted for at the time of the emergency. After the police has been notified of the emergency by calling 911, all students will receive notification of the emergency by written communication in the form of an email or text message from the Command Decision Team (CDT) The responsible members of the CDT consist of: 1) Montana Academy owner/s 2) Financial Aid Officer 3) Admissions personnel 4) Educators 5) Front Desk Support Staff Page DETERMINING WHO SHOULD BE NOTIFIED: The CDT will identify / determine the extent of the emergency and enact appropriate means of notifications through the suitable means of: o Telephone 34 INITIATION OF THE NOTIFICATION SYSTEM Responsible persons in Montana Academy will determine means of notification through but not limited to: o Fire alarms to alert the campus community o Code alerts o Emails / follow up with emails o Text messages o Posting written notices as more specific information becomes available. o Email o Text messaging o Written communication The CDT will determine the extent of information that needs to be released and will disseminate to staff, students, and salon area guests / public as appropriate. The verbal/written communication will include: 1) Type of emergency 2) Steps to be taken for the emergency situation Emergency procedures will be tested on a yearly basis o Yearly testing of emergency procedures is scheduled by the owner. o Staff will be alerted to the scheduled date(s), however; the students will be unaware until the actual emergency test occurs to ensure proper evaluation of emergency procedures. o Owners and staff will evaluate the testing results and implement improvements needed to secure the safety of all concerned. Page Emergency Procedures for Extreme Weather Conditions: Are issued from the Local Weather Service, Montana Academy offices are closed and classes are cancelled. Once the weather conditions are diminished, email notification will be sent to students when classes will resume. 35 Emergency Procedures Due to Criminal or Terrorists Threats Upon receipt of information pertaining to a criminal or terrorist threat during business hours, the person receiving the information should notify a staff member(s) of the impending or occurring emergency. Response o Immediate assessment of situation to determine response needed to address the threat at hand. o Trained staff members will respond to the situation using Emergency Codes if necessary. o Conduct risk assessment of vulnerability of all areas of the building including classrooms. o Contact civil authorities to determine appropriate action. All telephones have local law authorities programed into the system. o Advise students to take shelter in pre-defined areas, based on threat and safety of students Possible evacuation of entire campus for a length of time to be determined based on the situation at hand. Incident Management o Have current facility maps available for local authorities Copy keep readily available off sight o Video tape of Academy recording all areas of the building for hostage situations Readily accessible at an off-sight location When applicable, Montana Academy will post the time class will resume on outside doors. Dangerous Situations Are brought to the attention of Command Decision Team (CDT) and are confirmed, we will alert students and employees by announcing, emailing, text and or a written notification will be posted in a conspicuous area and directing them to either a safe location and or the City County Health Department. Once the dangerous situation is diminished, an announcement, email, text and or a written notification will be posted or sent to students when classes will resume. Fire drills will be practiced yearly and require your most serious cooperation and consideration. All exits must be in working condition and unobstructed. Security plan is in place o All staff and students knowledgeable o Staff and students should have clearly defined roles o Practiced unannounced drills Fire Intrusions Attacks Hostage situation Earthquake Montana Academy evaluates all drills and records the results in writing and conducts an evaluation of improvements needed In A Fire Emergency If you smell smoke or see fire, report it immediately to an educator. A warning will then be given by staff. Do not panic. Proceed as follows: Students in the salon area exit single file out the front doors. If you have a guest at the time, the guest is your responsibility. After exiting Montana Academy, proceed safely away from the building. Support staff at front desk will help guest in reception area out the front doors. Proceed to safety away from the building. Students in the classrooms, student lounge, conference room, and spa area should exit through the nearest door, single file. Locate and join the students and guests from the salon area. 36 Drills Outbreak of meningitis, nor virus or other serious illness Earthquake Flooding Gas leak Explosion Intrusions Attacks Bomb threat Civil unrest or rioting Hostage situations Fire Page Familiarize yourself with your evacuation route and the location of all emergency and regular exits. The evacuation route illustration is found in the student’s lounge. VIOLATION OF FIRE SAFETY RULES PUTS LIVES IN JEOPARDY. TAMPERING WITH FIRE ALARMS OR FIRE EQUIPMENT CAN RESULT IN FINES AND POSSIBLE INCARCERATION ACCORDING TO MT STATE LAWS. In case of serious accident or illness: Call 9-1-1 Do not move sick or injured person(s). Be careful to avoid personal contact with any body fluids such as blood, vomit, or saliva. Stay with the victim and reassure her/him that help is on the way. Page 37 Power Failure: Remain calm. Do not move. Await instructions from staff personnel. If instructed to evacuate, use designated emergency exits ONLY. CONSUMER INFORMATION-IDENTITY THEFT PREVENTION BACKGROUND Congress instructed the Federal Trade Commission (FTC) and other agencies to promulgate regulations to address identity theft. The proposed rules were published in November 2007. Full compliance is required by May 1, 2009 (this was an extension from the original November 2008 deadline). The “Red Flag Rules”, as they are called, require financial institutions and creditors and educational facilities to develop and implement written programs designed to detect, prevent, and mitigate identity theft. DEFINITIONS & EXPLANATIONS Per SEC. 2 “Scope of Certain Creditor Requirements”, (a) Amendment to the FCRA-Section 615(e) of the Fair Credit Reporting Act, one aspect of the definition “creditor” includes: “obtains or uses consumer reports, directly or indirectly in connection with a credit transaction” and “furnishes information to consumer reporting agencies, as described in section 623 in connection with a credit transaction”. “Covered Accounts”: refers to accounts maintained primarily for business, personal, family or household purposes designed to permit multiple payments or transactions; any other account posing a reasonably foreseeable risk to customers from identity theft. “Red Flag”: refers to a pattern, practice or specific activity that indicates the possible existence of identity theft. “Customer”: refers to anyone doing business on a regular basis with a school (i.e. students, parents, tribes, etc.) Page Montana Academy has implemented measures to insure all consumer private information is protected. Montana Academy has established and maintains a comprehensive information security program. The computers at the academy are password protected and operate with anti-virus software. Financial aid information is generally transmitted to the third party servicer by means of the secure software “winzip”. Student’s personal information is confined to the admissions / financial aid offices of Montana Academy and financial aid information is confined to the financial aid office and it is the responsibility of the FAA to remain secure. All doors of offices are locked when staff personnel are not present. Student files are kept in locking filing cabinets, in which key are kept in the locked offices. ISIRS are located in the financial aid office and admissions office. These safeguards aid in protection against any unauthorized access, anticipated threats to security or the integrity of this information. Admissions Reps will gain prospect student name and phone number only for ability to follow up with the lead and all private information is shredded when no longer needed. The risk assessment program is the responsibility of all staff members. Staff is updated (at a minimum on a yearly basis) during a staff meeting regarding the internal and external risks to the security of the consumer’s personal identity. All staff is reminded to follow above outlined precautions when handling any consumer (student or salon area guest) information. Montana Academy takes reasonable precautions when selecting educators and administrative staff and support staff. New employees are educated on Montana Academy’s Identity Theft Prevention plan. Montana Academy employs Deborah Johns and Associates as third party servicer. 38 IDENTITY THEFT PREVENTION Owner, is responsible for all staff education concerning safeguarding consumer information. RISK ASSESSMENT PLAN Risk and Policy Management Employees are to assess risk of their areas at all times. Montana Academy policies should be enforced in order to reduce risk. The policies and procedures are assessed to ensure that the lowest risk possible is being achieved by implementation. Development & Oversight The Staff and Administration review concerns and intergrate new strategies to ensure Montana Academy is protecting again identity theft whenever possible. Oversight creaes awareness and education of the staff and alerting them to the possiblity of risk management. Managing Montana Academy manages the customer’s private information by departmentalizing the private information. Montana Academy employs Deborah Johns and Associates as third party servicer to oversee / assist in the student’s financial aid information. Organizing Secure Information Montana Academy limits the number of staff who have access to private secured consumer information and uses passwords to protect the information stored on Montana Academy computers. Asset Protection (Listed in Priority) Student body Staff Salon area guests Teaching material and curriculum Page Protection of: Effective daily staff communication and at staff meetings o Documentation of discussions in staff meeting minutes Deterrence o Academy Security cameras aid in deterrence. o Students working at the front desk acknowledge in writing the protection of collected customer’s information each time they are assigned to the front desk. Detection / Response / Action o Once potentially fraudulent activity is detected, an employee must take action by quickly gathering all related documentation, determine whether the documentation is 39 Environmental Safety, Response and Action Threats are defined as assets that security programs must protect against for unwanted intrusion of confidential information weather internal or external. o o o o fraudulent or authentic and present it to the owner. If a transaction is determined to be fraudulent, appropriate actions must be taken immediately. Action may include: Canceling the transaction Notifying and cooperating with proper law enforcement Notifying the actual customer that fraud has been attempted If transaction is determined to be authentic, no action will be taken. The following red flags are potential indicators of fraud. Any time a red flag is apparent, it should be investigated for verification. Suspicious Documents Documents provided for identification that appear to have been altered, forged, destroyed and reassembled would target a red flag. The customer’s photograph or physical description on the identification is not the same. Customer identification is not consistent with information that is on file. Suspicious Personal Identifying Information The address, Social Security number and or any personal identification provided does not match Montana Academy’s file. Suspicious Activity Related to Covered Account Montana Academy receives notice from customers, victims of identity theft, a law enforcement authority, or other persons regarding possible identity theft in connection with covered accounts held by Montana Academy. Page Misrepresentation Policy of Truth and Candor Montana Academy is committed to maintaining the highest standard of integrity in every aspect of its operations and to assuring complete transparency, candor and accuracy in all of its communications with students, accrediting agencies and the public. Montana Academy is privately owned and operated. Montana Academy is further committed to using procedures and practices aimed at eliminating inadvertent errors in communications with students and the public. Achieving these goals is critical to Montana Academy’s missions to provide high quality education and services. It is Montana Academy’s policy that its faculty, staff, administration and all other representatives must be committed to transparency, candor and accuracy in all of their communications and must specifically strive to avoid errors or omissions in certain areas described in more detail below. Montana Academy will not withhold disclosures regarding qualifying state requirements needed to obtain a state license including but not limited to a prior criminal record or a pre-existing medical condition(s). 40 Periodic Updates to Plan Periodic update and plans to establish and test the programs will include the help of each department. As a part of the plan and action, Montana Academy will revisit the red flags, and any actions necessary to protect the risk of assessment of the customers. The integrity of Montana Academy and its reputation as a quality institution are of the utmost importance. Montana Academy staff, enrolled students and vendors shall not misrepresent the institution or make false, erroneous or misleading statements concerning: o Montana Academy itself or the conduct of its business o Transfer of credits and / or conditions under which Montana Academy will accept transfer credits. o Completion of the program, not limited to but including acceptance to a labor union, requirements to complete a course of study and application to take a state licensing exam or to secure employment. o The prerequisites established for enrollment in any program. o Scholarships provided to enrolled students. o The circumstances that would constitute grounds for termination of enrollment. o Testimonials or endorsements from industry manufacturers, vendors, high school counselors, employers, students or former students. o The size, location, age or type of the equipment or facilities of Montana Academy. o The availability or frequency of any programs. o The employment objectives the program is designed to meet. o Montana Academy staff, including but not limited to: number of staff, qualifications, including staff training experience, and availability of staff. o The availability of Academy supplementary assistance, including but not limited to: tutorial or specialized instruction, part-time employment or any other form of financial assistance, including consumer or Federal student loans or grants. o The content contained in the program of study. o Any facts related to the diploma awarded upon the successful completion of the program of study. o Approved authorization of state licensing or accreditation agencies. o Financial aid information, including but not limited to the availability of federal, state, local, private or institutional student aid programs, the student’s right to refuse any particular type of financial assistance, the student’s responsibilities to repay any loans, regardless of whether or not the student completes the program of study, the rights and responsibilities of students receiving financial aid, the criteria for continued eligibility for each program in the financial aid package. Montana Academy’s satisfactory academic progress (SAP) policy, the terms and conditions of student aid, disbursement methods and frequency, and the terms of education loans. o Institutional information, including but not limited to cost of attendance information (including tuition and fees, books and supplies, kit charges, room and board, and transportation) and Montana Academy’s refund policy. o Employability of graduates, including Montana Academy’s relationship with any organization or business. o Montana Academy’s Truth and Candor Policy requires not just avoiding misrepresentations, but affirmatively providing full disclosure, including: being transparent with prospective students o Approaching prospective students with full candor and honesty o Providing complete, accurate information concerning placement assistance and the current employment conditions, compensations or job opportunities available to Academy graduates. Page 41 MONTANA ACADEMY’S POLICY OF TRUTH AND CANDOR IS AS FOLLOWS: o Approval or endorsement by the United States Department of Education concerning the quality of Montana Academy educational program. Statements are not just made over the phone. “Statements” include chat sessions, posts on social networking sites, etc. Statements can be made in writing, visually, orally or through other means. Montana Academy’s policy of Truth and Candor applies to: All Academy staff Enrolled students and former students acting on behalf of Montana Academy or who were encouraged by Montana Academy to recruit students or otherwise speak about Montana Academy to others. Vendors and institutional partners that provide any part of an academic program, or that provide marketing, advertising, and recruiting or admissions services. Failure to follow this policy can result in severe repercussions to Montana Academy including: Revocation of Montana Academy’s eligibility to participate in Title IV programs. Imposing limitations on Montana Academy’s participation in the Title IV programs. Initiation of a fine, limitation, suspension or termination proceeding against Montana Academy. Repercussions to employees from failure to comply with Montana Academy’s Truth and Candor Policy may include but is not limited to: An inquiry into the cause of any truth and candor compromise will be conducted Based on findings a possible suspension or termination of employment Possible pursuant of legal action taken against parties involved Repercussions to vendors from failure to comply with Montana Academy’s Truth and Candor Policy may include but is not limited to: An inquiry into the cause of any truth and candor compromise will be conducted Based on findings a possible loss of contract renewal or business relationship Possible pursuant of legal action taken against parties involved NET PRICE CALCULATOR The Net Price Calculator is posted on www.mymtacademy.com in accordance with the Higher Education Opportunity Act of 2008. The Net Price Calculator allows prospective students to calculate an estimated net price at an institution based on a student’s individual circumstances using the following basic formula: (price of attendance - grant aid). Based on the information entered by the student, an average net price of attendance is generated based on what similar students paid in the previous year. This calculator is designed to help you estimate your educational expenses after grants and will be used when determining Title IV loan eligibility when working with Montana Academy Financial Aid Administrator to calculate your remaining educational expenses. Any result of this Calculator is not guaranteed by Montana Academy and is meant to be an indication of the aid you may be eligible to receive. Page 42 Results of the Net Price Calculator will be dependent on the accuracy and completeness of the information entered and is intended to provide only a general guide to your eligibility for financial aid. This is not an application for financial aid. Students must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for Title IV funds. For more information on applying for federal student aid, please go to www.fafsa.ed.gov Note: The estimate provided using this net price calculator does not represent a final determination, or actual award, of financial assistance. The price of attendance and financial aid availability may change. This estimate shall not be binding on the Secretary of Education, this institution of higher education or the State in which this institution of higher education is located. *Completing the calculator should take no more than 20 minutes of your time. You will need to answer some basic questions about your parents' financial situation so it might be helpful to have recent tax forms or pay stubs on hand before you begin. To access Montana Academy’s Net Price Calculator, please log on to Montana Academy website at www.mymtacademy.com. Graduation, Licensure, and Placement Rates and Median Loan Debt Licensing Requirements in Montana Board-Approved Final Practical Examination Upon completion by students of at least 90 percent of the required course of study, and prior to graduating and receiving a diploma, the student may take the board-approved final practical examination. The final practical examination must include all components for evaluation as provided in ARM 24.121.807 for each course of study. Course Course Hours Hours (90%) Needed to take Required Final Practical Exam Barbering 1500 1350 Barbering Supplemental 150 135 Cosmetology 2000 1800 Esthetics 650 585 Manicuring 350 315 Massage Therapy 700 630 Microdermabrasion 50 45 Teacher Training 650 585 Licensure Page NOTE: Graduation rates disaggregated by gender, major racial and ethnic subgroup, recipients of a Federal Pell Grant, recipients of a subsidized Stafford Loan who did not receive a Pell Grant and students who did not receive either a Pell Grant or subsidized Stafford Loan can be found at http://nces.ed.gov/collegenavigator/. Montana Academy of Salons will make available upon request information regarding the placement / employment of and source of / time frames of the information and types of employment obtained by its graduates prior to enrolling or entering into any financial obligation with Montana Academy of Salons. 43 To receive a license all course work must be completed, the state board written and practical exams and graduate, to receive a license in Montana. An 85% in attendance and grade point average is required to graduate all programs. Graduation, Licensure, and Placement Rates The Department of Education (DOE) requirements of the reporting time frame 9-1-2011 to 8-31-2012 Barbering (No Data to report, no class) Barbering Supplemental (No Data to report, no class) Cosmetology Graduation: 79% or 55 of the 70 students in the cosmetology program scheduled to graduate between 91-2011 to 8-31-2012 graduated. Of the remaining 15 students, 15 dropped to pursue another career; 0 were terminated by Montana Academy of Salons, 0 transferred to out of state schools, 0 transferred to instate schools. Licensure: Of the 55 graduates, 50 reported back with exam results. 100 % or 50 of the 50 reporting graduates passed the exam. Of the 55 graduates, 50 took the exam and 5 graduates have not taken their exam. Placement: 86% or 43 of the 50 students who passed boards also reported finding jobs in the cosmetology industry. Esthetics Graduation: 100% or 5 of the 5 students in the esthetics program scheduled to graduate between 9-12011 to 8-31-2012 graduated. Of the remaining 0 students, 0 dropped to pursue another career; 0 were terminated by Montana Academy of Salons, 0 transferred to out of state schools, 0 transferred to instate schools. Licensure: Of the 5 graduates, 3 reported back with exam results. 100 % or 3 of the 3 reporting graduates passed the exam. Of the 5 graduates, 3 took the exam and 2 graduates have not taken their exam. Placement: 100% or 3 of the 3 students who passed boards also reported finding jobs in the esthetics industry. Manicuring Graduation: 100% or 7 of the 7 students in the manicuring program scheduled to graduate between 9-12011 to 8-31-2012 graduated. Of the remaining 0 students, 0 dropped to pursue another career; 0 were terminated by Montana Academy of Salons, 0 transferred to out of state schools, 0 transferred to instate schools. Licensure: Of the 7 graduates, 4 reported back with exam results. 100 % or 4 of the 4 reporting graduates passed the exam. Of the 7 graduates, 4 took the exam and 3 graduates have not taken their exam. Placement: 50% or 2 of the 4 students who passed boards also reported finding jobs in the manicuring industry. Massage Therapists Graduation: 100% or 1 of the 1 students in the massage program scheduled to graduate between 9-12011 to 8-31-2012 graduated. Of the remaining 0 students, 0 dropped to pursue another career; 0 were terminated by Montana Academy of Salons, 0 transferred to out of state schools, 0 transferred to instate schools. Licensure: Of the 1 graduate, 0 took the exam. Placement: (No Data To report) Microdermabrasion (No Data to report, no class) Teacher Training (No Data To report, no class) Last Updated 9-2013 Page Overall Statistics from all courses Graduation: 80.65% or 75 of the 93 students in the cosmetology program scheduled to graduate between 1-1-2012 to 12-31-2012 graduated. Licensure: 100 % or 60 of the 60 reporting graduates passed the exam. 44 Accreditation reporting time frames of 1-1-2012 to 12-31-2012. NOTE: Statistics below are from the 2013 NACCAS Annual Report based on the year 2012 Placement: 74.32% or 55 of the 74 students are employed in a field for which training prepared them. Barbering (No Data to report, no course) Barbering Supplemental not accredited (No Data to report, no course) Cosmetology th 68 students were scheduled to complete in 2012. 51 students actually completed prior to November 30 , 2013. 51 students were eligible for employment, of those students 39 were employed. 44 students took th all portions of their licensing exam prior to November 30 , 2013 and 44 passed all portions of the th licensing exam prior to November 30 , 2013. Completion Rate Placement Rate Licensure Rate Cosmetology 75% 76.47% 100% Completion Rate Placement Rate Licensure Rate 100% 66.67% 100% Esthetics 13 students were scheduled to complete in th 2012. 12 students actually completed prior to November 30 , 2013. 12 students were eligible for employment, of those students 8 were employed. 8 students took all portions of their licensing exam th prior to November 30 , 2013 and 8 passed all Esthetics portions of the licensing exam prior to Completion Rate 92.31% th November 30 , 2013. Placement Rate 66.67% Licensure Rate 100% Manicuring 10 students were scheduled to complete in th 2012. 10 students actually completed prior to November 30 , 2013. 9 students were eligible for employment, of those students 6 were employed. 6 students took all portions of their licensing exam th th prior to November 30 , 2013 and 6 passed all portions of the licensing exam prior to November 30 , 2013. Manicuring Massage Therapists 0 students were scheduled to complete in th 2012. 0 students actually completed prior to November 30 , 2013. 0 students were eligible for employment, of those students 0 were employed. 0 students took all portions of their licensing exam th th prior to November 30 , 2013 and 0 passed all portions of the licensing exam prior to November 30 , 2013. Microdermabrasion (No Data to report, no class) Page Last Updated: 11-2013 45 Teacher Training th 2 students were scheduled to complete in 2012. 2 students actually completed prior to November 30 , 2013. 2 students were eligible for employment, of those students 2 were employed. 2 students took all th portions of their licensing exam prior to November 30 , 2013 and 2 passed all portions of the licensing th exam prior to November 30 , 2013. Teacher Training Completion Rate 100% Placement Rate 100 % Licensure Rate 100% Gainful Employment Cosmetology Gainful Employment Program Disclosure Name of Institution: Montana Academy of Salons Location: Great Falls, Montana Reporting Year: July 1, 2011 to June 30, 2012 Institution OPEID: 04164100 Program Name: Cosmetology/Cosmetologist, General CIP Code: 12.0401 CIP Program Description: Provide beauty services, such as shampooing, cutting, coloring, and styling hair, and massaging and treating scalp. May apply makeup, dress wigs, perform hair removal, and provide nail and skin care services. Related Occupations: Cosmetologist, Hairstylist, Hair Stylist, Hairdresser, Barber Stylist, Hair Dresser, Manager Stylist, Nail Technician, Skin Care Program Length Full Time: 14 months Part Time: NA Education Level: Undergraduate Certificate Cost for Program Completed On-Time Tuition and fees: $ 15,200.00 Books, kits/supplies: $ 1,600.00 Total Estimated Costs: $ 16,800.00 Room & Board: NA (This institution does not offer on-campus living) URL for program cost information available on institution's website under Sec. 668.43(a): www.mymtacademy.com Debt at Program Completion Total number of students completing the program between July 1, 2011and June 30, 2012: 58 Of this amount the number of students with any loan debt after completion: 50 For all students (both borrowers and non-borrowers) completing the program between July 1, 2011and June 30, 2012 the median cumulative debt for each of the following: Federal student loan debt: $ 4,350.00 Private loan debt: $ 0 Institutional financing/tuition billing plan debt: $ 0 Program Completion Time On-Time graduation rate for students completing (FT & PT Combined): 19% Of the students completing the program between July 1, 2011 and June 30, 2012, the number of students who completed within the normal time: 11 Job Placement The job placement rate for those who completed the program: 76% Page Full Time: 14 Part Time: NA 46 Normal time in months to complete program as published by your institution: Who is included? All Cosmetologist Students who completed the program between July 1, 2011 and June 30, 2012. Types of jobs: OCCUPATIONAL INFORMATION NETWORK O*Net is the nation's primary source for occupational information and a tool to search potential career options and obtain valuable information about numerous occupations. You may visit O*Net at http://www.onetonl ine.org/crosswalk/ and enter the CIP (Classification of Instructional Programs) code listed above under "education" for more information related to the program. SOC Code: 39-5012 When they were employed: July 1,2011to January 17, 2013 How the graduates were tracked: The graduates were tracked through social media, business cards, emails, local paper, personal appearance, and at exit counseling The agencies (state or accrediting), if any, that this rate is reported to: The National Accrediting Commission of Career Arts & Sciences (State and I or accrediting required reporting timeframes and information regarding these statistics can be found in The Academy's Admissions Office.) Esthetics Gainful Employment Name of Institution: Montana Academy of Salons Location: Great Falls, Montana Reporting Year: July 1, 2011 to June 30, 2012 Institution OPEID: 04164100 Program Name: Aesthetician/Esthetician and Skin Care Specialist CIP Code: 12.0409 CIP Program Description: A program that prepares individuals to cleanse, depilate, massage, and beautify the human body and to function as licensed estheticians and skin care specialists. Includes instruction in skin anatomy, physiology, and health; principles of nutrition; decontamination and infection control; health and safety; facial and body massage; body wrapping and spa treatments; temporary hair removal including waxing and tweezing; color and skin analysis; client consultation and care; applicable laws and regulations; business practices; and sometimes related alternative healing regimens. Related Occupations: Esthetician, Aesthetician, Skin care Specialist, Skin Care Therapist, Spa Technician, Facialist, Medical Esthetician, Nurse Esthetician, Skin Care Technician Page Cost for Program Completed On-Time Tuition and fees: $5,200.00 Books, kits/supplies: $1,600.00 Total Estimated Costs: $6,800.00 47 Program Length Full Time: NA Part Time: 11 months Education Level: Undergraduate Certificate Room & Board: NA (This institution does not offer on-campus living) URL for program cost information available on institution’s website under Sec. 668.43(a): www.mymtacademy.com Debt at Program Completion Total number of students completing the program between July 1, 2011 and June 30, 2012: 5 of this amount the number of students with any loan debt after completion: 5 For all students (both borrowers and non-borrowers) completing the program between July 1, 2011 and June 30, 2012 the median cumulative debt for each of the following: Federal student loan debt: $2558 Private loan debt: $0 Institutional financing/tuition billing debt: $0 Program Completion Time On-Time graduation rate for students completing (FT & PT Combined): 60% Of the students completing the program between July 1, 2011 and June 30, 2012, the number of students who completed within the normal time: 3 Normal time in months to complete program as published by your institution: Full Time: NA Part Time: (if offered) 11 Job Placement The job placement rate for those who completed the program: 20% Who is included? All Esthetic Students who completed the program between July 1, 2011 and June 30, 2012. Types of Jobs: OCCUPATIONAL INFORMATION NETWORK O*Net is the nation’s primary source for occupational information and a tool to search potential career options and obtain valuable information about numerous occupations. You may visit O*Net at http://www.onetonline.org/crosswalk/ and enter the CIP (Classification of Instructional Programs) code listed above under “education” for more information related to the program. Page When they were employed: July 1, 2011 to January 17, 2013 How the graduates were tracked: The graduates were tracked through social media, business cards, emails, local paper, personal appearance, and at exit counseling. The agencies (state of accrediting), if any, that this rate is reported to: The National Accrediting Commission of Career Arts & Sciences (State and/or accrediting required reporting timeframes and information regarding these statistics can be found in the Montana Academy’s Admissions Office.) 48 SOC Code: 39-5094.00
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