Ohio Medical Career College (OMCC) is required by federal law to annually make available certain consumer and financial aid information to enrolled students. This information is required to be made available under the Family Educational Rights and Privacy Act of 1974 (FERPA) and under the Higher Education Opportunity Act (Public Law 110-315).

This notice will be distributed to all enrolled students by email each year and to incoming students during orientation. OMCC defines a "Year" to be "the time period between January 1 and December 31" and "Annually" as "once during the current calendar year."

The complete consumer and financial aid information disclosure can be accessed at the OMCC Consumer Information webpage. Further information can be found in the school catalog and the student handbook. Students may request paper copies of any of this information by contacting OMCC Financial Aid Office via email finaid@omcc.edu or by sending a letter to:

Ohio Medical Career College, Financial Aid Office
1133 S Edwin C Moses Blvd, Suite 309
Dayton, OH 45417

At Ohio Medical Career College (OMCC), the Financial Aid Office, Admissions Office, and the Registrar Office collaborate to provide students with essential information regarding financial assistance, general school inquiries, graduation and completion rates, campus crime statistics, and institutional policies. Whenever students request this information during business hours, at least one college official is available on campus to assist them.

The OMCC Financial Aid Office provides the necessary application forms for federal, state, or local financial assistance programs. The Financial Aid Office also updates the FA Student Handbook annually to detail each financial assistance program's application procedures, eligibility criteria, and award determinations.

To ensure enrolled and prospective students are well-informed, OMCC employs various channels such as the school catalog, student handbook, school website, and email to communicate important disclosures. When using electronic communication, the College includes an annual notice containing pertinent information and a specific link to access the actual disclosure.

• Institutional accreditation and licensure
• Cost of tuition, fees, additional charges, and the estimated costs of attendance
• Transfer credit policy
• List of required textbooks
• List of administrators, faculty, and staff
• Annual campus security and fire safety report
• Family Educational Rights and Privacy Act of 1974
• The process of withdrawing from OMCC and instances when Title IV aid must be returned
• Student refund policy
• Available services offered to students with disabilities
• Copyright infringement policy
• Student achievement outcomes, including graduation, retention, and placement rates

The following financial aid programs are available to eligible OMCC students:

• Federal Pell Grants - A Federal Pell Grant is not a loan and does NOT have to be repaid. Pell Grant is considered the foundation of federal financial aid to which aid from other federal and non-federal sources (such as WIOA) might be added. The exact amount of a Pell Grant depends on financial information provided by a student on a Free Application for Federal Student Aid (FAFSA) for the current academic year.
  
  Note: While the Pell Grant is not a loan, a student may still be required to pay back part of the grant if the student does not complete a term for which the grant was issued.


• Federal Direct Subsidized Stafford Loans - These are low-interest loans that DO need to be repaid to the government. The interest is "subsidized" or paid by the federal government while a student is in school and during a 6-month grace period after a student leaves school or graduates. The subsidized loan is need-based and eligibility depends on a student's financial need as determined by information supplied on a FAFSA. You cannot be in default on a previous student loan, owe a repayment of other federal financial aid, or be enrolled in less than the required minimum number of clock hours of classes. The actual amount of a subsidized loan is affected by several factors, including number of hours enrolled and other financial aid funding.
  
  Note: Accepting a loan means accepting the responsibility for repaying the money you borrow including interest costs and fees. You may ONLY use the student loan to pay for your education expenses at the school that is giving you the loan. Before requesting a loan, make sure you find out the true costs, interest rates, and how long it will take to repay the loan.


• Federal Direct Unsubsidized Stafford Loans - Most students eligible to participate in Federal Student Aid qualify for an unsubsidized loan. With an unsubsidized loan, interest is charged from the time loan funds are disbursed. Interest may be paid while in school and during a grace period, or may be added to the principal balance of the loan (capitalized).


• Federal Direct PLUS Loans - If additional funds are needed beyond these base amounts, parents of dependent students may borrow through the PLUS loans (PLUS) program.

Prospective or enrolled students who have questions about obtaining federal or state financial aid should contact:

Ohio Medical Career College, Financial Aid Office
1133 S Edwin C Moses Blvd, Suite 309
Dayton, OH 45417
Phone: (937) 567-8880
Email: finaid@omcc.edu

Legal Rights of Financial Aid Recipients

Students receiving federal student aid have certain legal rights. Students' rights include:

• The student has the right to know what financial aid programs are available at OMCC.
• The student has the right to receive a listing from the Financial Aid Office of the agency in each state which may be contacted regarding grants available to residents of that state.
• The student has the right to know the deadlines for submitting applications for each of the financial aid programs available.
• The student has the right to know how financial aid will be distributed, how decisions on that distribution are made, and the basis for these decisions.
• The student has the right to know how his/her financial need was determined.
• The student has the right to know what resources (such as parental contribution, other financial aid, assets, etc.) were considered in the calculation of his/her financial need.
• The student has the right to know how much of his/her financial need, as determined by the institution, has been met.
• The student has the right to request an explanation of the various awards in his/her student aid package.
• The student has the right to know the school's refund policy.
• The student has the right to know what portion of the financial aid he/she receives must be repaid, and what portion is grant (free) aid. If the aid is a loan, the student has the right to know what the interest rate is, the total amount that must be repaid, fees during repayment, the payback procedures, the length of time he/she has to repay the loan, when repayment is to begin, and available options for consolidation.
• The student has the right to know how the school determines whether he/she is making satisfactory academic progress (SAP), the consequences of not meeting satisfactory progress, and how a student who has failed to meet SAP can reestablish eligibility.
• The student has the right to know how to purchase required textbooks and supplies upon the seventh day of the term and details regarding how a student may opt out of using this privilege.
• If the student is offered a College Work-Study job, he/she has the right to know the required work hours, the job duties, the rate of pay, and how and when paychecks are received.
• If the student believes a mistake has been made in determining his/her financial aid eligibility, he/she has the right to ask that his/her financial aid application be reconsidered.
• If the student has a loan and the lender transfers (i.e. sells) the loan and the right to receive payments, the student must be sent a notification telling him/her to whom he/she must now make payments.
• Lenders must provide borrowers with a copy of the complete promissory note.
• The student has the right to prepay a loan without penalty. This means that he/she may at any time pay in full the loan balance and any interest due without being charged a penalty by the lender for early payment.
• If the student cannot meet a loan repayment schedule, he/she may request forbearance from the lender under which the payments may be reduced for a specific period of time.
• In borrowing money, the student assumes the responsibility for repaying the loan. If circumstances arise which make it difficult to meet this responsibility, he/she should contact the lender.

Legal Responsibilities of Financial Aid Recipients

Students receiving federal student aid have certain legal responsibilities. Student responsibilities include:

• The student must complete all application forms accurately and submit them on time to the appropriate location.
• The student must provide correct information. The intentional misreporting of information on financial aid application forms is a violation of the law and is considered a criminal offense which could result in indictment under the U.S. Criminal Code.
• The student must return all additional documentation, verification, corrections, and/or new information requested by either the Financial Aid Office or the agency to which an application was submitted.
• The student must report to the Financial Aid Office any additional financial resources received by him/her during the period of his/her financial aid award.
• The student is responsible for reading and understanding all forms that he/she is asked to sign and for keeping copies of the forms.
• The student must accept responsibility for all agreements that he/she signs.
• The student must perform the work that he/she has agreed upon in accepting College Work-Study or regular student employment.
• The student must be aware of and comply with the deadlines for application or reapplication for aid.
• The student should be aware of the school's refund policy.
• All schools must provide information to prospective students about the school's programs and performance. The student should consider this information carefully before deciding to attend school.
• If the students receives a loan, he/she must notify the lender if any of the following occurs before the loan is repaid:
• Graduation
• Withdrawal from school or less than half-time enrollment
• Change of address
• Name change
• Transfer to other school(s)
• If the student has received a Federal Perkins Loan or Federal Stafford Loan prior to receiving their first disbursement of loan funds at OMCC. Federal Perkins Loan recipients must also complete entrance loan counseling each year.
• The student must also attend an exit interview if enrollment drops below the required minimum number of clock hours, or if he/she graduates, or if transfers to another school.
• The student must repay any loan received at OMCC, plus accrued interest, in accordance with the repayment schedule.
• In borrowing money, the student assumes the responsibility for repaying the loan. If circumstances arise that make it difficult to meet this responsibility, he/she should contact the lender.
• The student must notify the lender of any occurrence which may affect eligibility for a deferment of repayment.

Every year, millions of high school graduates seek creative ways to finance the markedly rising costs of a college education. In the process, they sometimes fall prey to scholarship and financial aid scams. On November 5, 2000, Congress passed the College Scholarship Fraud Prevention Act of 2000 (CSFPA). The CSFPA enhances protection against fraud in student financial assistance by establishing stricter sentencing guidelines for criminal financial aid fraud. It also charged the U.S. Department of Education, working in conjunction with the Federal Trade Commission (FTC), with implementing national awareness activities, including a scholarship fraud awareness site on the USDE Web site.

According to the FTC, perpetrators of financial aid fraud often use these telltale lines:

• "The scholarship is guaranteed or your money back."
• "You can't get this information anywhere else."
• "I just need your credit card or bank account number to hold this scholarship."
• "We'll do all the work."
• "The scholarship will cost some money."
• "You've been selected by a 'national foundation' to receive a scholarship" or "You're a finalist" in a contest you never entered.

To file a complaint or for free information, students or parents should call 1-877-FTC-HELP (1-877-382-4357) or visit FTC Scholarship Scam website.

OMCC makes several financial aid resources available to its students including federal, state, and local funds. Some funds are need-based, meaning the funds go to the most financially needy students who qualify first. There are also non need-based funds which are available to any students who qualify for the programs regardless of their income or that of their parents.

Need-based programs include Pell Grant, Federal Supplemental Education Opportunity Grant (SEOG), subsidized student loans, Workforce Investment Act, and some scholarships.

Non need-based programs include unsubsidized student loans, parent loans, alternative loans, and some scholarships.

Students who would like to be considered for financial aid must apply using the FAFSA (Free Application for Federal Student Aid). Some financial aid resources require a student to submit additional application materials; scholarships, for example, might have a completely separate form to submit to the funding agency. OMCC Financial Aid Office is not responsible for the application process of these outside resources, but all students are encouraged to apply for scholarships that might contribute to their financial resources while attending college.

The federal government is the primary source of financial aid for college students. Students must meet several requirements in order to be eligible to receive federal aid. The following requirements are common to most federal (and many other) financial aid programs:

1. Students must have financial need and demonstrate it through their financial aid application materials. However, some loan programs and many scholarship programs are available to students who do not have financial need. We strongly encourage students to apply for aid by the deadline dates if they think they may need financial assistance.

2. Students must be admitted to the college and working toward a degree or certificate. Students may apply for aid before being accepted for admission or enrolled.

3. Students must be U.S. citizens or eligible non-U.S. citizens. Federal regulations severely limit the types of financial assistance available to non-U.S. citizens.

4. Students must have a valid Social Security Number.

5. Students receiving federal student aid may use it ONLY for educational purposes.

6. Students may NOT owe a refund on a federal grant or be in default on any federal educational loan to continue to qualify for financial aid.

7. Continuing students must be making satisfactory academic progress.

8. Most male students who are between the ages of 18 and 25 must be registered with the U.S. Selective Service.

Restrictions on Eligibility

1. Bachelor's Degree:

Undergraduates who have already received a bachelor's degree may only receive loans while pursuing an additional course of study. They are not eligible for federal grant assistance such as the Pell Grant.

2. Enrollment at More Than One Institution:

Students who are enrolled at more than one college or university at the same time may receive Pell grant from only one institution, not both. Students may borrow a Direct Loan from more than one institution for the same term. However, students may not borrow more than their annual loan limit, and OMCC will determine loan eligibility by reviewing the student's borrowing record with the National Student Loan Data System (NSLDS).

Some FAFSA applicants are asked to provide supporting documents to verify the information on the FAFSA through a process called verification. The supporting documentation is used by the financial aid office to double check the FAFSA information and make corrections if needed.

There are various reasons why a FAFSA applicant may be selected for verification. Perhaps the FAFSA included estimates of federal income tax information and the actual information now needs to be confirmed. Or maybe the FAFSA was submitted with data that appears inconsistent or unusual, or includes the type of information that is frequently misreported. Finally, applicants may have been selected for verification through a random process used to get a sampling of how accurately families fill out the FAFSA.

Student who fails to provide verification documentation are disqualified from receiving federal student aid. Please submit the requested verification information promptly to avoid a delay in your financial aid application processing.

A student selected for verification will receive notification from OMCC of verification requirements and timelines for completion of the process. Submit all documentation requested such as the Verification Worksheet and student and parent W-2 forms. Submit your tax data by using the IRS Data Retrieval Tool (see video link on the right column for instructions) if you are eligible. This is the quickest and easiest way to resolve tax data discrepancies. If you are not eligible to use the IRS data retrieval tool, please request a federal income Tax Return Transcript directly from the Internal Revenue Service (IRS).

Please do NOT submit incomplete materials, wait until you have all verification documents available; Do NOT submit unrequested documents such as personal copies of tax returns, tax schedules, tax year comparison reports, or state tax returns.

Overpayments may be created as the result of changes to information presented during the verification process. If a student has received more Federal Pell Grant funds than the student was eligible to receive, OMCC will try to eliminate the overpayment by adjusting later disbursements for the award year. OMCC does not make interim disbursements before verification is completed. If a student has received Federal Pell Grant funds for living expenses, the student is individually liable for any overpayment when the original amount of the overpayment is greater than $25. Students may arrange a repayment plan with OMCC or they may be referred to the U.S. Department of Education for collection.

To remain eligible for federal student aid at OMCC, students must maintain Satisfactory Academic Progress by completing at least 67% of the clock hours and weeks of instruction, finishing the program within a maximum time frame, and maintaining a minimum grade point average (GPA) of 2.0 as established by the College. The full Satisfactory Academic Progress policy is available to all prospective and current students in the School Catalog as well as in the Student Handbook.

Federal Title IV funds are awarded to a student under the assumption that he/she will attend school for the entire period for which the assistance is awarded. When a student withdraws from all his/her courses, for any reason including medical withdrawals or simply quits attending but fails to officially withdraw, he/she may no longer be eligible for the full amount of Title IV funds that he/she was originally scheduled to receive. Consequently, the student may be required to return the unearned part of the funds which were received to help pay educational expenses for the enrollment period. When Title IV funds are returned, the student may also owe a balance to OMCC.

OMCC Financial Aid Office, in accordance with 34 CFR § 668.22, calculates and executes the Return of Title IV Funds. Liability for return of Federal Title IV funds will be determined according to the following guidelines:

• If the student remains enrolled and attends class beyond the 60% mark of the academic term in which aid is received, all federal aid is considered earned and not subject to this policy.
• If the student completely withdraws from all classes before completing 60% of the academic term, a pro-rated portion of the federal aid received must be returned to the federal aid programs equal to the percentage of the term remaining.
• If all eligible aid was not already disbursed to the student before the student withdrew, a post withdrawal calculation will be conducted to determine the actual amount of earned funds. In some instances, students will be asked to provide confirmation to accept of return some or part of the earned funds. The earned portion of aid will be paid to the student as a post-withdrawal disbursement within 30 days of the Date of Determination that the student has withdrawn.
• If the student does not officially withdraw from classes, and stops attending all classes, a pro-rated portion of the federal aid received, based on the documented last date of attendance, must be returned to the federal aid programs.
• If the college is unable to document the last date of attendance, one-half of all federal aid received during the term must be returned to the federal aid programs.

If a student's share of the return amount exists, the student will be notified and allowed 45 days from the date of determination to return the funds to OMCC Business Office for deposit into the federal programs accounts. If the student does not return the amount owed within the 45 day period, the amount of overpayment will be reported to the U.S. Department of Education via the National Student Loan Data System (NSLDS) and the student will be referred to the U.S. Department of Education for resolution of the debt.

Aid will be returned in the order listed below:

1. Federal Direct Unsubsidized Loan
2. Federal Direct Subsidized Loan
3. Federal Pell Grant
4. Other federal, state, private or institutional aid
5. Student

Ohio Medical Career College is an alcohol and drug free institution. In compliance with the Drug-Free Schools and Communities Act of 1989, OMCC prohibits the unlawful possession, use, sale, manufacture, or distribution of drugs and alcohol by students and employees on the property of OMCC, any clinical site, or during any school activities. These activities are illegal and adversely affect an individual's ability to perform his/her duties, and can pose a danger not only to him/her, but to everyone in the school. OMCC will impose sanctions on students and employees that are consistent with federal, state, and local laws. Violation of either the drug or alcohol policy will result in immediate school disciplinary action up to and including expulsion. Furthermore, violators will be subject to criminal prosecution, fines, and imprisonment.

OMCC conducts biennial review to determine the effectiveness of its drug and alcohol programs. OMCC Alcohol & Drug Free Campus policy is amended or revised in accordance with changes in applicable local, state, or federal laws and regulations. Information on these programs are updated annually and made available to every member of the OMCC community.

OMCC provides community referrals for personal counseling and help for students and employees with drug and alcohol-related problems. Referrals will be kept confidential. There is a wide range of treatment programs for drug and alcohol abuse in the community. The following is a sampling of Treatment Providers which offer services or referral information in Montgomery County and Rehab Centers in Ohio.

Use of alcohol or drugs presents numerous health, behavioral, and social problems. These include acute health problems related to intoxication or overdose, physical and psychological dependence, long-term health problems, contracting diseases, pregnancy problems, psychological problems, diminished behavior, risk taking, violent behavior, accidents, negative side effects on academic or work performance, and conduct problems:

Alcohol
Alcohol toxic psychosis, physical dependence, neurological and liver damage, fetal alcohol syndrome, impaired judgment

Amphetamines
Amphetamines can cause a rapid or irregular heartbeat, tremors, convulsions, loss of coordination, collapse and death. Heavy users are prone to irrational acts.

Cannabis (Marijuana, Hashish)
The use of marijuana may impair or reduce short-term memory and comprehension, alter sense of time, and reduce coordination and energy level. Users often have a lowered immune system and an increased risk of lung cancer. Users also often lack motivation and general drive to achieve goals.

Club Drugs
Club drugs are drugs such as MDMA (Ecstasy), Rohypnol, GHB, LSD and methamphetamine and others, which are used at all-night parties such as trances or raves, dance clubs and bars. These party drugs, particularly when mixed with alcohol, can cause serious health problems, injuries or even death.

Cocaine/Crack
Cocaine users often have a stuffy, runny nose and may have a perforated nasal septum. The immediate effects of cocaine use include dilated pupils and elevated blood pressure, heart rate, respiratory rate and body temperature, followed by depression. Crack, or freebase rock cocaine, is extremely addictive and can cause delirium, hallucinations, blurred vision, severe chest pain, muscle spasms, convulsions and even death.

Hallucinogens
Lysergic acid (LSD), mescaline and psilocybin cause illusions and hallucinations. The user may experience panic, confusion, suspicion, anxiety and loss of control. Delayed effects, or flashbacks, can occur even when use has ceased. Phencyclidine (PCP) affects the section of the brain that controls the intellect and keeps instincts in check. Because the drug blocks pain receptors, PCP episodes may result in self-inflicted injuries, violence and aggressive behavior toward others.

Heroin
Heroin is an opiate drug that causes the body to have diminished pain reactions. Overdoses of this highly addictive drug can result in coma or death due to respiratory failure or cardiovascular collapse.

Methamphetamines
Methamphetamines can cause rapid or irregular heartbeat, increased blood pressure and body temperature. Possible side effects with long-term use include mood disturbances, violent behavior, anxiety, confusion and insomnia. All users risk becoming infected with diseases such as HIV/ AIDS and hepatitis.

Prescription Drug Abuse
Taking a prescription medication that is not prescribed for you, or taking it for reasons or in dosages other than as prescribed, is prescription drug abuse. Commonly abused classes of prescription medications include opioids, central nervous system (CNS) depressants and stimulants. Long-term use of opioids or central nervous system depressants can lead to physical dependence and addiction. Opioids and CNS depressants may cause the user to experience drowsiness, slowing of brain function, as well as decreased heart and respiration rates. Stimulants can cause anxiety, paranoia, dangerously high body temperatures or seizures if taken repeatedly or in high doses.

Salvia Divinorum
Use of salvia can cause hallucination, changes in visual perception, feelings of detachment and a decreased ability to interact with one’s surroundings.

Synthetic Drugs (Spice, Bath Salts, etc.)
"Spice" refers to a wide variety of herbal mixtures that produce experiences similar to marijuana (cannabis) and that are marketed as "safe," legal alternatives to that drug. The term “bath salts” refers to an emerging family of drugs containing one or more synthetic chemicals related to cathinone, an amphetamine-like stimulant found naturally in the Khat plant. Though research on synthetic substances is still limited, they have been found to be potentially more dangerous than marijuana, cocaine, or other substances of abuse, as they are addictive and can be highly dangerous to humans.

Steroids
Steroids can cause cholesterol imbalance, acne, baldness, anger management problems, masculinization of women, breast enlargement in men, premature fusion of long bones preventing attainment of normal height, atrophy of reproductive organs, impotence, reduced fertility, stroke, hypertension, congestive heart failure, liver damage, and depression.

Direct Loans are low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education, though the entity the borrower deals with, the loan servicer, can be a private business.

The Borrower Rights and Responsibilities Statement issued by the Department of Education with the Master Promissory Note includes information regarding use of the loan money, information the borrower must report to the Department of Education after the loan is received, the amount the borrower may borrow, the interest rate, payment of interest, the loan fee, repayment incentive programs, disbursement information, loan cancellation, the grace period, loan repayment information, late charges and collection costs, demand for immediate repayment, defaulting on the loan, consumer reporting agency notification, deferment and forbearance options, discharge, loan consolidation, Department of Defense and other federal agency loan repayment, and Americorps program education awards.

A Disclosure Statement is issued to the borrower by the Department of Education once the Department receives a loan origination record from the school. A Notice of Disbursement(s) Made Letter is issued to the borrower by the Department of Education once the Department receives a disbursement that was made to the borrower.

OMCC notifies the borrower by email of the anticipated date and amount of the loan disbursement and the student's (or parent's) right to cancel all or part of the loan or disbursement and procedures and time by which the student (or parent) must notify the school that he or she wishes to cancel the loan or disbursement.

Students who are Ohio residents can visit the OhioHigherEd website to see if they qualify for any state grant, as well as obtaining the necessary information to apply these grants. Students from other states are encouraged to research any state aid for which they may be eligible as a resident of that state.

The National Student Loan Data System (NSLDS) is the U.S. Department of Education's central database for student financial aid records. Federal loans disbursed to students or parents will be submitted to NSLDS and will be accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Student borrowers can track and manage their loan and grant grant information online at StudentAid.gov website under Dashboard. For questions related to NSLDS functions such as student eligibility, overpayments, loan history, and enrollment reporting, contact the NSLDS Customer Support Center at 1-800-999-8219.

Terms and conditions of Direct Loans are included in the Borrower's Rights and Responsibilities Statement, which the borrower receives upon completion of a Master Promissory Note with the Department of Education. The borrower may request another copy of their Borrower's Rights and Responsibilities Statement at any time by contacting the Direct Loan Servicing Center.

Information regarding the various deferments available to student and parent loan borrowers is available at the Department of Education Studentaid.Gov website, under "Managing Loans" and click on "Lower My Payments".

Generally, borrowers will have 10 to 25 years to repay their loan, depending on the repayment plan they choose. The loan servicer will notify the borrower of the date the first payment is due. If a repayment plan is not chosen by the borrower, the borrower will be placed on the standard repayment plan, with fixed monthly payments for up to 10 years. Repayment plans can be changed at any time by contacting the loan servicer. Information about standard repayment, extended repayment, graduated repayment, income contingent repayment (not available for parent PLUS loans), and income-based repayment can be found at Studentaid.Gov website under "Managing Loans". Click "Repayment Plans".

The federal government requires first-time student borrowers to complete loan entrance counseling to ensure that the student borrower understands the responsibilities and obligations they are assuming. In order to provide the required comprehensive information on the terms and conditions of the loan and the borrower's responsibilities, first-time student loan borrowers at Ohio Medical Career College are required to complete online entrance counseling at Studentaid.Gov website as part of their Direct Loan application with OMCC.

Ohio Medical Career College is required to provide counseling to federal student loan borrowers when the student ceases at least half-time study at OMCC as part of the institutional default management plan. Student borrowers who fall below half-time units at OMCC are sent an email directing them to Studentaid.Gov to complete Exit Counseling and to receive information on monthly repayment amounts, repayment plan options, options to prepay or pay on a shorter schedule, debt management strategies, use of the Master Promissory Note, the seriousness and importance of student's repayment obligation, terms and conditions for forgiveness or cancellation, terms and conditions for deferment or forbearance, consequences of default, options and consequences of loan consolidation, and tax benefits available to borrowers, as well as other necessary information.

The Higher Education Opportunity Act (HEOA) requires educational institutions that participate in federal Title IV programs to publish a code of conduct regarding educational loans (HEOA § 487(a)(25) and 487(e)). This code of conduct applies to all Ohio Medical Career College employees, officers and agents of the College, including without limitation individuals who are employed in the financial aid office or who otherwise have responsibilities with respect to education loans. This code of conduct reflects OMCC's commitment to conducting financial aid practices with integrity, in the interest of students, and in compliance with applicable law.

Ban on Actions that Limit a Borrower's Choice of Lending Institutions

OMCC shall not assign through award packaging or other methods, the borrower's private loan to a particular lender or refuse to certify, or delay certification, of any loan based on the borrower's selection of a lending institution.

Ban on Opportunity Loans

OMCC shall not arrange with a lending institution to provide funds for private education loans, including funds for an opportunity pool loan, to students in exchange for the institution providing concessions or promises to the lender. For purpose of this code, an opportunity loan agreement is an arrangement whereby a lending institution agrees to make loans up to a specified aggregate amount to students with poor or no credit history, or to international students whom the lending institution claims would not otherwise be eligible for its loan programs, in exchange for concessions or promises by OMCC that may prejudice other borrowers.

The College also may not accept or solicit any funds to be used for private educational loans or opportunity pool loans in exchange for providing a lending institution with a specified loan volume or a preferred lender arrangement.

Prohibition on Revenue Sharing with Lending Institutions and on Solicitation or Acceptance of Remuneration or Assistance from a Lending Institution

OMCC prohibits any revenue-sharing or contracting arrangement with any lending institution or affiliate of a lender. Revenue sharing or contracting is any arrangement by which a lender pays the College a percentage of the principal loan taken by a borrower or otherwise compensates the College as a result of a borrower taking a loan.

OMCC may not accept or solicit anything of value from any lending institution related to its education loan activity. This prohibition shall include, but not be limited to, (i) revenue sharing by a lending institution with the institution, (ii) the institution's receipt from any lending institution of any computer hardware for which the College pays below-market prices and (iii) printing costs or services.

OMCC also may not accept or solicit staffing assistance from a lending institution, including but not limited to call center staffing or financial aid office staffing. The institution shall ensure that it does not identify any employee or other agent of a lending institution to students or prospective students of the College or their parents as an employee or agent of the institution.

Prohibition on Stock Ownership in Lending Institutions by Financial Aid Employees

A person employed in the Office of Financial Aid at OMCC shall not own stock or hold any another financial interest in a lending institution, other than through ownership of shares in a publicly traded mutual fund or similar investment vehicle in which the person does not exercise any discretion regarding the investment of the assets of the investment vehicle.

Limitations on OMCC Employees Participating on Lender Advisory Boards

OMCC prohibits employees from receiving any remuneration for serving as a member or participant of an advisory board of a lending institution, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory boards, commission, or group.

OMCC does not participate in any private education loan and does not participate in preferred lender arrangement. Any student applying for a personal private education loan must complete a FAFSA (Free Application for Federal Student Aid) with the school in order to ensure that all available waivers and grants are available to the student, as well as to encourage students to make use of low-interest loans available through the Department of Education (subsidized if eligible). Student borrowers at OMCC are counseled to compare the terms and conditions of Department of Education loans with the terms and conditions of private education loans to determine the more favorable borrowing option.

OMCC attempts to provide students and employees with a safe and secure environment in which to study and work. OMCC school campus is patrolled by the Job Center security staff. Additionally, the College prepares an Annual Security Report to comply with the Jeanne Clery Disclosure of Campus Security Policy and Crime Statistics Act (Clery Act). The Report, prepared in cooperation with Job Center security staff and local law enforcement agencies, includes the college's crime statistics and is also available in paper copies in OMCC main office.

Campus Security Report

Personal Safety

While the school attempts to provide a safe and secure environment, students, faculty, staff, and campus visitors are ultimately responsible for their safety. Safety is enhanced when students and employees take precautions such as:

• Report all suspicious activity to Job Center security staff, faculty, and administrative staff.
• Never take personal safety for granted.
• Avoid walking outside alone at night. Travel with a friend or companion.
• Avoid parking or walking in secluded or dimly lit areas.
• Carry only small amounts of cash.
• Never leave valuables (wallets, purses, books, computers, etc.) unattended.
• Carry your keys with you at all times and don't lend them to anyone.
• Lock your car doors and close the windows when leaving your car.
• Never leave valuables in your car especially if they are easily noticeable.
• Inventory your personal property and make records of the serial numbers of all items of value.

Reporting a Crime

If a student or employee is aware that a crime has been, or is being, committed on school property, the crime should be reported as soon as possible to any Job Center security staff, OMCC faculty and administrative staff, when the victim of a crime elects to or is unable (physically/mentally) to make such a report. In an emergency, the local Police Department may be reached by dialing 911.

OMCC does not tolerate violence or other threatening conduct against any members of the school community. This includes criminal acts against persons or property, as well as harassment based on sex, race, ethnicity, or disability. The school will impose strict disciplinary actions and appropriately involve law enforcement officials should any acts of violence or threatening conduct occur on school facilities or at school-sponsored events.

Registered Sex Offenders

The Jacob Wetterling Act requires states to obtain information concerning registered sex offenders' enrollment or employment at institutions of higher education. Those seeking to obtain information about registered sex offenders should visit the following website: www.nsopw.gov. Furthermore, to the extent the State notifies an educational institution of information concerning registered sex offenders, the Family Educational Rights and Privacy Act (FERPA) does not prevent educational institutions from disclosing such information.

Notice of Nondiscrimination, Title IX & VAWA Compliance

OMCC does not discriminate on the basis of sex, race, ethnicity, or disability and provides equal opportunity in its education and employment. OMCC prohibits all forms of sex discrimination which include all types of sex-based harassment including sexual violence as required by Title IX of Education Amendments of 1972.

OMCC strongly condemns and prohibits violence against women. OMCC complies with the Violence Against Women Act (VAWA) by reporting incidents of domestic violence, dating violence and stalking on campus as well as adopting certain student discipline procedures and policies to address and prevent campus sexual violence. OMCC will respond to complaints concerning Title IX and VAWA when a student or employee reports to OMCC administration that the student or employee has been a victim of domestic violence, dating violence, sexual assault or stalking. Please refer to the Annual Security Report link above for the school's full policy.

OMCC Title IX coordinator is expected to play a critical role in helping a school ensure that every person affected by its operations, including faculty, staff, and students, are aware of their legal rights under Title IX, and that the school and all of its officials, through its policies, procedures, and practices, comply with its legal obligations under Title IX. The Title IX Coordinator participates in annual training. Below is a list of some of the training materials that were used to keep them informed and up to date on current VAWA regulations:

US Department of Education

• US Department of Education Title IX Final Rule Fact Sheet
• US Department of Education Title IX Final Rule Overview
• Summary of Major Provisions of the Department of Education's Title IX Final Rule

Accrediting Commission of Career Schools and Colleges (ACCSC)

• #MeToo: Title IX for Non-Traditional Schools
• Title IX Countdown: A Practical Guide for Title IX Compliance

Thompson Coburn LLC Fundamentals of Law Series

• Module 1: An Introduction to Managing Title IX Sexual Harassment on Campus
• Module 2: Formal Complaints of Title IX Sexual Harassment
• Module 3: Title IX Investigations & Informal Resolutions
• Module 4: Title IX Hearings
• Module 5: Title IX Determinations
• Module 6: Title IX Appeals

Emergency Response and Evacuation Procedures

In the event of an ongoing or continuing threat to the campus community, a timely warning is issued verbally and notices are posted in campus areas. The intent of a timely warning is to provide adequate information necessary to enable the campus community to protect themselves. The content of the timely warning will not disclose information that will compromise law enforcement efforts. Anyone with information that warrants a timely warning should report it immediately to the School Director.

The School Director is responsible for ensuring timely warnings are issued to the campus community. Upon confirmation of a significant campus emergency or dangerous situation involving an immediate threat to staff and students, the Director will issue an emergency notification and notify the appropriate emergency response teams, law enforcement and individuals who are in harm's way. Local authorities will determine if it is necessary to notify the surrounding community. Campus alerts may be issued via email, verbal classroom announcement, alarm, common area postings, or any combination of these methods. The alert will identify the appropriate action to take in an effort to avoid the confirmed danger and minimize injuries.

Fire Emergency: If you discover a fire, or see smoke, do not panic. Call 911 and proceed with the following:

• Remove/Relocate individuals away from danger, if possible, without endangering your safety.
• Activate Alarm by alerting Job Center security staff, OMCC administrators and staff.
• Confine/Contain fire and smoke by closing doors and windows.
• Extinguish/Evacuate: Extinguish fire only if trained and if fire is small, using nearest fire extinguisher. Evacuate by nearest safe exit. Do not run. Crawl if overwhelmed by smoke.

If you hear the fire alarm, or are informed of a fire, evacuate immediately. Follow instructions for building evacuation. Check doors with the back of the hand to ensure it is cool before opening. Walk quickly but do not run, follow instructor out of the building to the designated safe area. Do not re-enter the building until authorized to do so by the fire department or Job Center security staff.

OMCC complies with the Consolidated Appropriations Act of 2005, which requires each educational institution that receives federal funds to celebrate Constitution Day on September 17 of each year. OMCC Student Services Office provides faculty, students and staff with access to online U.S. Constitution Day educational resources such as The National Archives, which contains a scan of the U.S. Constitution as well as additional historical information.

Students should be aware that the unauthorized distribution of copyrighted material, including unauthorized peer-to-peer file sharing, is subject to civil and criminal liabilities. Penalties may include monetary damages, fines and imprisonment. OMCC prohibits use of its computers and computer networks for the unauthorized downloading and uploading of copyright-protected material, or for maintaining or storing unauthorized copyright-protected material. Disciplinary action, up to and including expulsion from the school, will be taken against students who engage in unauthorized distribution of copyrighted materials using the school's information technology system.

OMCC programs' cost of attendance information are available to all prospective and current students in the School Catalog.

OMCC strives to assure equal opportunity for all qualified persons. The College will provide reasonable accommodations for qualified persons with disabilities once the student provides required documentation, provided the academic integrity of the curriculum is not violated and the health and welfare of all are safeguarded. Since schools are restricted from seeking out students with disabilities due to privacy laws, requests must be made in advance for the services needed. College campus is handicapped accessible with restroom and classrooms designed to accommodate handicapped individuals.

Students with learning disabilities are responsible for contacting Admissions staff to request assistance prior to the first day of class. A meeting will be set with a staff member to determine the services that are required and the procedures needed to provide them. The disability information will be maintained separately from the academic record in compliance with federal and state data practice laws. The student is responsible for providing Admissions Office with current IEP documentation to determine the disability and the service requested.

OMCC Faculty & Staff list information are available to all prospective and current students in the School Catalog.

The Family Educational Rights and Privacy Act (FERPA) (20 U.S.C. § 1232g; 34 CFR Part 99) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

FERPA gives parents certain rights with respect to their children's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are "eligible students."

• Parents or eligible students have the right to inspect and review the student's education records maintained by the school. Schools are not required to provide copies of records unless, for reasons such as great distance, it is impossible for parents or eligible students to review the records. Schools may charge a fee for copies.


• Parents or eligible students have the right to request that a school correct records which they believe to be inaccurate or misleading. If the school decides not to amend the record, the parent or eligible student then has the right to a formal hearing. After the hearing, if the school still decides not to amend the record, the parent or eligible student has the right to place a statement with the record setting forth his or her view about the contested information.


• Generally, schools must have written permission from the parent or eligible student in order to release any information from a student's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions (34 CFR § 99.31):


• School officials with legitimate educational interest;
• Other schools to which a student is transferring;
• Specified officials for audit or evaluation purposes;
• Appropriate parties in connection with financial aid to a student;
• Organizations conducting certain studies for or on behalf of the school;
• Accrediting organizations;
• To comply with a judicial order or lawfully issued subpoena;
• Appropriate officials in cases of health and safety emergencies; and
• State and local authorities, within a juvenile justice system, pursuant to specific State law.

Schools may disclose, without consent, "directory" information such as a student's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification (special letter, inclusion in a PTA bulletin, student handbook, or newspaper article) is left to the discretion of each school.

For additional information, you may call 1-800-USA-LEARN (1-800-872-5327) (voice). Individuals who use TDD may call 1-800-437-0833.

Or you may contact US Department of Education at the following address:

Family Policy Compliance Office
U.S. Department of Education
400 Maryland Avenue, SW
Washington, D.C. 20202-8520

OMCC complies with the U.S. Department Regulatory Citation 34 CFR § 668.71 through § 668.75 regarding the Prohibition of Misrepresentation to Students and Others to make every effort to avoid misrepresentation in communications made in writing, visually, orally, or through other means. This policy applies to both oral and written statements from admissions representatives, staff, faculty, and student ambassadors who may represent the college with presentations in high schools and public events.

Misrepresentation: Any false, erroneous or misleading statement an eligible institution, one of its representatives, or any ineligible institution, organization, or person with whom the eligible institution has an agreement to provide educational programs, or to provide marketing, advertising, recruiting or admissions services makes directly or indirectly to a student, prospective student or any member of the public, or to an accrediting agency, to a State agency, or to the Secretary. A misleading statement includes any statement that has the likelihood or tendency to deceive or confuse.

Prospective Student: Any individual who has contacted an eligible institution for the purpose of requesting information about enrolling at the institution or who has been contacted directly by the institution or indirectly through advertising about enrolling at the institution.

Substantial Misrepresentation: Any misrepresentation on which the person to whom it was made could reasonably be expected to rely, or has reasonably relied, to that person's detriment.

The Code of Federal Regulations designate misrepresentation to include:

• The nature of the educational program
• The nature of financial charges
• The employability of graduates
• The relationship with the U.S. Department of Education: a Title IV eligible school may not describe its participation in a way that suggests approval or endorsement by the Department of Education of the quality of its educational programs

OMCC Admission and Financial Aid Offices provide periodic training opportunities to provide clarity on new policy, procedures and regulations. Electronic and hard copies of every publication created by OMCC are available through the School Director. Actions of misrepresentation will result in disciplinary actions leading to suspension or termination depending on the severity of the incident. Any persons with concerns regarding institutional misrepresentation should bring those concerns to the attention of the School Director by phone (937) 567-7803 or via email admin@omcc.edu.

Ohio Medical Career College (OMCC) complies with federal, state and local laws and regulations related to the protection of confidential or sensitive personally identifiable information. Personally identifiable information is data which is tied to, or otherwise enables identification of, a specific person and makes personal information about them known. This policy covers students, employees, alumni, and others on whom OMCC may have such information. The policy applies regardless of how the information is stored (e.g., paper, electronic, other media) or transmitted.

OMCC personnel should treat as "confidential information" personally identifiable information deemed confidential by law, regulation or college policy or which contains information that is highly private or personal or could lead to identity theft if mishandled.

Confidential information includes the following specific information:

• Social security numbers
• Credit card numbers
• Driver's license or other government-issued identification numbers
• Bank account information
• Protected health information
• Student education records (including grades and disciplinary records)

Some information related to OMCC's business and academic activities, although not cloaked with the same level of concern or legal protection as confidential information, is still considered by OMCC to be "sensitive information".

Examples of these types of information include, but are not limited to:

• Birth dates
• Home addresses
• Emergency contact information
• Employee ID numbers
• Employee disciplinary records

Personal information does not include publicly available directories containing information an individual has voluntarily consented to have publicly disseminated or listed, and does not include information made lawfully available to the general public from federal, state, or local government records.

Information deemed confidential or sensitive should be collected, stored, transmitted and disposed of using the following guidelines.

• Collected only as necessary in conjunction with academic and business needs.
• Restricted in its distribution and accessibility (in some cases approved by a supervisor) as is consistent with good internal control practices, with employees with access to such information being informed of applicable restrictions.
• Properly secured by the use of such safeguards as secured file storage and rooms, encryption, and other technology tools.
• Disposed of through secure means such as shredding and thoroughly erasing hard drives.

Confidential and sensitive information should be shared internally only on a need-to know basis and externally only consistent with law, business and educational necessity and adequate protections, which should include written confidentiality agreements if appropriate. If shared internally, colleagues should be informed of the confidential or sensitive nature of the information and the need to safeguard it.

Security breach is defined as an incident of unauthorized access to and acquisition of unencrypted and unredacted records or data containing personal information where illegal use of the personal information has occurred or is reasonably likely to occur or that creates a material risk of harm to a consumer. Any incident of unauthorized access to and acquisition of encrypted records or data containing personal information along with the confidential process or key shall constitute a security breach.

Containment, Classification, and Report of a Breach:

1. Containment

   The first priority after a security breach is discovered is to contain the breach and notify supervisory personnel as quickly as possible. For any category of breach, the data must be secured, and the reasonable integrity, security, and confidentiality of the data or data system must be restored.

2. Classification

   The next step is to determine the exact nature of the breach in terms of its extent and seriousness. Is personal information easily accessible?

3. Internal Reporting of a Breach

   As soon as a breach has been identified, the employee who discovered it must take immediate steps to report the breach to his or her supervisor. The supervisor must take immediate action to determine the extent and category of the breach and to take such further action as is necessary to contain the breach or recover the missing data. Assistance from Information Technology Services or other office with relevant expertise should be requested as soon as possible. If the potential or actual breach involves loss or theft of OMCC-owned equipment or other criminal activity, notify Job Center security and local police. In all cases of a breach, OMCC School Director must be notified as soon as practicable.

   The supervisor must document the breach, noting the category involved, the scope of the breach, steps taken to contain the breach, and the names or categories of persons whose personal information was, or may have been, acquired by an unauthorized person. A copy of that documentation must be sent to School Director.

Notification to Victims:

1. Time for Providing Notification

   OMCC shall notify affected individuals without unreasonable delay. However, notification shall be delayed if law enforcement informs the College that disclosure of the breach would impede a criminal investigation or jeopardize national or homeland security.

2. Responsibility for Providing Notification

   The School Director is responsible for providing and sending notifications to affected individuals. Notification to affected persons must be provided in writing or via email for affected individuals with OMCC school email. Notification shall be clear and conspicuous and include a description of the following:

   • The incident in general terms.
   • The type of personal information that was subject to the unauthorized access and acquisition.
   • The actions taken by the OMCC to protect the personal information from further unauthorized access. However, the description of those actions may be general so as not to further increase the risk or severity of the breach.
   • A telephone number that the person may call for further information and assistance.
   • Advice that directs the person to remain vigilant by reviewing account statements and monitoring free credit reports.

OMCC Refund Policy is available to all prospective and current students in the School Catalog.

OMCC School Catalog: Download

OMCC regularly reports this information to the Integrated Postsecondary Education Data System (IPEDS) accessible through the College Navigator website.

All textbooks are given to students, including Pell eligible students, on the first day of class each term. Students will also have the option to purchase textbooks on their own. A list of textbook information, including ISBNs, are available in the Admissions Office.

From Other Schools to OMCC: OMCC recognizes previous work by transfer students that meet the expectations of OMCC curricula for academic content and rigor, provided that the student's experience at the other institution is appropriately commensurate with the experience of students in similar courses offered by OMCC with respect to content, academic level, scope and relevance. OMCC Credit Transfer Policy is available to all prospective and current students in the School Catalog.

For applicants with experience in the armed forces of the United States, or in the National Guard or in a reserve component, OMCC will review the individual's military education and skills training, determine whether any of the military education or skills training is substantially equivalent to the curriculum, and award credit to the individual for any substantially equivalent military education or skills training in accordance with Ohio Revised Code 4723-5-12.

From OMCC to Other Schools: OMCC does not have an articulation agreement with other institutions. Whether to accept credits earned at OMCC is the decision of the institution where the students wishes to transfer. It is the responsibility of an accepting institution to choose whether or not to accept credits earned at OMCC. Students should verify whether another institution would accept credits earned at OMCC for transfer. If the accepting institution does not accept OMCC credits for transfer, the accepting institution may require the student to repeat some or all of its coursework.

OMCC does not require any specific vaccination beyond those required by state laws and program requirements as a condition for admission. Students are encouraged to review program-specific admissions criteria pertaining to vaccinations and consult with their healthcare professionals to discuss obtaining or updating vaccinations.

OMCC provides information on voter registration. We encourage all students to be active participants in their communities. Voting is a privilege that allows citizens to have a voice in their government and their laws.

Students can register to vote in Ohio through the Voter Registration website.