Consumer Information

Opportunity Act of 2008 (HEOA), includes many disclosure and reporting requirements. A disclosure requirement is information that a postsecondary education institution is required to distribute or make available to another party, such as students or employees.


What is financial literacy? (defined by a regional state of higher education)

Financial Literacy may be defined as:

The ability to read, analyze manage and communicate about the personal financial conditions affecting material wellbeing.

The term is used to describe financial education programs on college campuses and within high schools.  The objective of financial literacy programs is to help students better manage their finances, budget effectively, and borrow wisely.

Smart financial management includes a few basic good habits.  If you are a student, you may already have a checking account, a credit card, or maybe even a car loan.  When heading off to college, you may also need to borrow student loans to help finance your education.  but have you determined your financial goals and establish good financial habits?  Here are a few tips to get you started.  Click Here


Notice of Availability of Institutional and Financial Aid Information

All institutions participating in Title IV, HEA student financial aid programs must annually distribute to all enrolled students a notice of the availability of the information that is required to be made available to students under the Family Educational Rights and Privacy Act of 1974 (FERPA). The notice must list and briefly describe the information and include a statement of the procedures required to obtain the information.

For information on FERPA, click here.

Click here to view the FERPA policy for CBTS.  To request a paper copy, contact the Dean’s office.


Student Financial Aid Information

All institutions participating in Title IV, HEA student financial aid programs must make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, information about:

  1. Need-based and non-need-based federal, state, staging, private, and institutional student financial assistance programs available to students, click here.
  2. The terms and conditions of Title IV, HEA loans, click here.
  3. The criteria for selecting recipients and for determining amount of award, click here.
  4. Eligibility requirements and procedures for applying for:
  5. The methods and frequency of disbursement of aid;
  6. For Awarding and Disbursing of Aid information, click here.
  7. The rights and responsibilities of students receiving Title IV, HEA student financial aid, including criteria for continued student eligibility and standards for satisfactory academic progress, click here.
    • For the Satisfactory Academic Progress policy, click here.
  8. The terms of any loan received as part of financial aid package, sample loan repayment schedule, and the necessity for repaying loans, click here.*Central does not use a financial aid package. Student loans are initiated by the student.
  9. The Policy for Returning Funds to Title IV, click here.
  10. Enrollment in a program of study abroad approved for credit by Central Baptist Seminary may be considered enrollment at Central Baptist for purposes of applying for federal student financial aid. You may direct any questions to the Financial Aid Office.
  11. Central Baptist Seminary does not have a work study assistance program.
  12. Exit Counseling is provided for Central Seminary by the U.S. Department of Education. Click here to access the Exit Counseling.  Click Here for more information on Exit Counseling.

Notice of Federal Student Financial Aid Penalties for Drug Law Violations

All institutions participating in Title IV, HEA student financial aid programs must provide to each student, upon enrollment, a separate, clear, and conspicuous written notice that advises the student that a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under all, federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance. Click here for more information.

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

The Financial Aid office of CBTS will send any student who has lost eligibility a notice in writing.


Privacy of Student Records – Family Education Rights and Privacy Act (FERPA)

All institutions receiving funds from any Department of Education Program must annually provide a notice to all enrolled students, through any reasonable means to inform students of their rights, about the following:

In order to disclose directory information without prior consent, an institution must provide to students a notice of directory information that includes

The seminary will send annually on the second Friday of September via email a notice to all students regarding their FERPA rights.


Facilities and Services Available to Students with Disabilities

All institutions participating in Title IV, HEA student financial aid programs must make available to prospective and enrolled students through appropriate publications, mailings, or electronic media, information about facilities and services available to students with disabilities, including students with intellectual disabilities.

Click here to view the information on facilities and services available to students with disabilities.


Student Body Diversity

All institutions participating in Title IV, HEA student financial aid programs must make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, 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.

Click here to view this demographic data.

*Central Seminary is not eligible for Pell Grants.


Policy Statement of Non-Discrimination

Central Baptist Theological Seminary pursues and embraces a nondiscriminatory policy with regard to employment and educational programs. Our school endeavors to comply with Title IX of the Education Amendments of 1972 which prohibits discrimination on the basis of sex. Central is committed to providing equal employment opportunity for all persons regardless of age, disability, gender, genetic information, national origin, race/color, religion, sexual orientation, or veteran status. Equal opportunity extends to all aspects of the employment relationship, including hiring, promotion, terminations, compensation, benefits and other terms and conditions of employment. The seminary complies with federal, state and local equal opportunity laws and strives to keep the workplace free from forms of illegal discrimination and harassment.


Price of Attendance

All institutions participating in Title IV, HEA student financial aid programs must make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, information about the price of attendance, including tuition and fees, books and supplies, room and board, transportation costs, and any additional costs for a program in which the student is enrolled or expresses an interest.

Click here to view price of attendance information.


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

All institutions participating in Title IV, HEA student financial aid programs must make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, information about:

The academic catalog contains the information on refunds, change of registration, and withdrawals. Click here to view the catalog.


Textbook Information

Institutions receiving any federal funds must disclose, to the maximum extent practicable, and in a manner of the institution’s choosing, on the institution’s Internet course schedule used for preregistration and registration purposes, the International Standard Book Number (ISBN) and retail price information of required and recommended textbooks and supplemental materials for each course listed.

If the ISBN is not available, the institution must include in the Internet course schedule the author, title, publisher, and copyright date for the textbook or supplemental material.

Click here to view information about textbooks.


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

All institutions participating in Title IV, HEA student financial aid programs must annually make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, the institution’s policies and sanctions related to copyright infringement.

  Click here for the policy regarding copyright infringement.

  Click here for the policy on Ethical Use of Seminary Owned Technology Resources.


Drug and Alcohol Abuse Prevention Program

Each institution, that receives any federal funds, must annually distribute in writing to each student and each employee, the following information regarding drugs and alcohol:

The seminary will distribute annually during the month of September the policy regarding Drug and Alcohol Abuse Prevention. Click here to view the policy at any time.


Vaccinations Policy

All institutions participating in Title IV, HEA student financial aid programs must annually make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, information about institutional policies regarding vaccinations.

Click here to view the seminary’s vaccinations policy.


Retention Rate

All institutions participating in Title IV, HEA student financial aid programs must annually make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, the retention rate of certificate- or degree-seeking, first-time, undergraduate students as reported to IPEDS.

Click here to view retention rates.


Complete/Graduation and Transfer-Out Rates (Including Disaggregated Completion/Graduation Rates) (Student Right-to-Know Act)

All institutions participating in Title IV, HEA student financial aid programs that enroll first-time, full-time undergraduate students, must annually make available to prospective and enrolled students, through appropriate publications. mailings, or electronic media, the following data:

Completion/Graduation and Transfer-out Rates:

Institutions must disclose the completion or graduation rate of certificate- or degree-seeking, first-time, full-time, undergraduate students. The data must be made available by July 1 each year for the most recent cohort that has had 150 percent of normal time for completion by August 31 of the prior year.

An institution that determines that its mission includes providing substantial preparation for students to enroll in another Title IV, HEA-eligible institution must disclose a transfer-out rate for each cohort. A student shall be counted as a completion or graduation if the student earns a degree or certificate or completes a transfer-preparatory program within 150 percent of normal time for the student’s program.

*Central does not have certificate or degree seeking undergraduate students.  The seminary only has diploma program for persons who have not achieved a baccalaureate degree.

Disaggregated Completion/Graduation Rates;

The HEOA (Sec. 488(a)(3)) added a provision requiring that the completion or graduation rates must be disaggregated by

Click here to view disaggregated completion/graduation rates.


Placement in Employment

All institutions participating in Title IV, HEA student financial aid programs must make available to prospective and enrolled students, through appropriate publications, mailings, or electronic media, information regarding the placement in employment of, and types of employment obtained by, graduates of the institution’s degree or certificate programs.

Click here for information on types of employment related to programs.


Job Placement Rates

All institutions participating in Title IV, HEA student financial aid programs that advertise job placement rates for student recruitment must make available to prospective students at or before the time the student applies for enrollment:

*Central does not advertise job placement rates in its recruiting.


Voter Registration Forms

All institutions, participating in Title IV, HEA student financial aid programs must:

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

*Central will distribute annually to students via email each September the following links to voter registration information.

Voter Registration Form links:


Constitution and Citizenship Day

All institutions participating in Title IV, HEA loan programs are required to hold educational programming commemorating the September 17, 1787 signing of the Constitution. The educational programming should occur September 17th or the preceding or following week if the 17th falls on a Saturday, Sunday or holiday. An institution should document its commemoration of Constitution Day.

*Central will distribute annually via email on or near September 17th information regarding the Constitution of the United States.


National Student Loan Data System

All institutions participating in Title IV, HEA loan programs are required to inform student or parent borrowers that loans will be submitted to the National Student Loan Data System (NSLDS), and will be accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system.

*Central submits all student loans to the National Student Loan Data System (NSLDS). This information will be accessible by guaranty agencies, lenders and institutions determined to be authorized users of the data system.


CLERY ACT – Campus Crime and Safety

CBTS Clery Act Policy (pdf)

2016 Clery Act Campus Crime and Safety Report (pdf)
2015 Clery Act Campus Crime and Safety Report (pdf)

2014 Clery Act Campus Crime and Safety Report (pdf)


Entrance Counseling for Student Borrowers

All institutions participating in Title IV, HEA loan programs are required to provide first-time student- or parent-borrowers comprehensive information on the terms and conditions of the loan and of the borrower’s responsibilities. The information is to include:

Central Baptist Theological Seminary’s entrance counseling as well as other information is provided by the U. S. Department of Education online.


Student Complaint Process

If a student has a complaint against Central Baptist Theological Seminary and a satisfactory resolution cannot be reached with the school, students may appeal to the appropriate entity.

ONLINE/DISTANCE EDUCATION PROGRAMS

Unresolved student concerns regarding programs authorized through State Authorization Reciprocity Agreements (SARA) should be directed to the Kansas Board of Regents.  Click here for more information.

KANSAS

Central Baptist Theological Seminary is one of 22 schools in the state of Kansas exempted from authorization through the Kansas Board of Regents. (learn more)  In this status, student complaints are not handled by the Kansas Board of Regents but are referred to State Attorney General’s office.

TENNESSEE

If a complaint is not settled at the institutional level, the student may contact the Tennessee Higher Education Commission, Nashville, TN 37243-0830, Phone: 615-741-5293.

WISCONSIN

The Educational Approval Board (EAB) of Wisconsin does not regulate schools of a parochial or denominational character offering programs having a sectarian objective.  If the complaint cannot be resolved at the institution level, a student may contact the Wisconsin Department of Agriculture, Trade and Consumer Protection, Madison, WI 53708-8911; Phone 1-800-422-7128.