# Code of Conduct for Federal Student Loans

- Link: https://www.ctsfw.edu/admission/financial-aid/student-loan-process/code-of-conduct-for-federal-student-loans/
- Published: 2025-10-08T16:51:44-04:00
- Author: Stephen Bornheimer

#  Code of Conduct for Federal Student Loans

This code of conduct applies to all employees of Concordia Theological Seminary (
CTSFW), Fort Wayne, Indiana, officers, and agents, particularly those with responsibilities
related to Federal Student Aid and student loans.

Concordia Theological Seminary (CTSFW) will not:

 * Assign lenders to first-time borrowers
 * Cause unnecessary loan certification delays for lenders not on the preferred 
   lender list. However, some delays may occur when a lender is selected that does
   not have suitable technical compatibility with our normal loan processing
 * Choose lenders for the preferred lender list that have offered or provided inducements
   to this school

CTSFW prohibits the following activities:

 * All revenue sharing between lenders and this institution (loan volume in exchange
   for money or gifts)
 * Financial aid employees and their family members receiving gifts* from lenders
   or guarantors, or servicers
 * Contracting between school employees and lenders
 * Opportunity pool loans
 * Staffing assistance provided by lenders
 * Printing costs or services provided by lenders
 * Delaying loan certification based on the borrower’s choice of lender
 * Seminary officers and employees receiving remuneration for service as a member
   or participant of an advisory board of a guarantor or lending institution involved
   in higher education loans, with the exception of receiving reasonable travel 
   expense reimbursement

_*Definition of Gifts: A gift is any gratuity, favor, discount, entertainment, hospitality,
loan, or other item having greater than a small monetary value (approximately $10)._

A gift is not:

 * A brochure, workshop, or training using standard materials relating to a loan,
   default aversion, or financial literacy
 * Food, training, or informational material provided as part of a training session
   designed to improve the service of a lender, guarantor, or servicer if the training
   contributes to the professional development of the institution’s officer, employee,
   or agent
 * Favorable terms and benefits on an education loan provided to a student employed
   by the institution, if those terms and benefits are comparable to those provided
   to all students at the institution
 * Philanthropic contributions from a lender, guarantor, or servicer that are unrelated
   to education loans or any contribution that is not made in exchange for an advantage
   related to education loans