# Consumer Information

- Link: https://www.ctsfw.edu/legal/consumer-information/
- Published: 2025-09-02T15:05:36-04:00
- Author: Stephen Bornheimer

#  Consumer Information

 1.  [ Home ](https://www.ctsfw.edu/)
 2.  [ Legal ](https://www.ctsfw.edu/legal/)
 3.   Consumer Information

## General Seminary Information

 * [Academic Catalog](https://www.ctsfw.edu/legal/consumer-information/academic-catalog/)
 * [Accreditation Information](https://www.ctsfw.edu/legal/consumer-information/accreditation/)
 *  [ Student Bill Payment Policy ](https://drive.google.com/file/d/1yzFFPO7eQ7duFQ2VwirFad_1wfXTdIsJ/view?usp=share_link)
 * [Copyright Infringement Policy](https://www.ctsfw.edu/legal/consumer-information/copyright-infringement-policy/)
 * [Textbooks Requirements](https://ctsfw.my.site.com/cc/s/textbook-requirements)
 *  [ FERPA ](https://concordiatheologicalseminary3.my.site.com/s/academics/registrar/article/family-educational-rights-and-privacy-act-ferpa-MCZED46VM6GFAQXGUR4V7RJBUWBI)
 * [Non-Discrimination Policy](https://www.ctsfw.edu/legal/consumer-information/non-discrimination-policy)
 *  [ Indiana Dept. of Higher Education – Student Complaints ](https://www.in.gov/che/2744.htm)

## Academic Policies

 *  [ Student Grievance Policy ](https://drive.google.com/file/d/19kYfqrjSGDkAgro_I43ahSseelGAtjfb/view?usp=share_link)
 *  [ Disputed Course Grade Appeal Process ](https://drive.google.com/file/d/19kYfqrjSGDkAgro_I43ahSseelGAtjfb/view?usp=share_link)
 *  [ Academic Quarters ](https://drive.google.com/file/d/10sKUhtQU-Md34htdfm4KDC-8SgaDcHzV/view?usp=share_link)
 *  [ Audit and Class Visitor Policy ](https://drive.google.com/file/d/19UC7uw9DkFyS99RNmxxJ9wP5x-8rXXMD/view?usp=share_link)
 *  [ Transfer Credit, Advanced Standing and Shared Credit Policies ](https://drive.google.com/file/d/185gkhVDvTwX3QwEa1OirmTk6ssuKQydc/view?usp=share_link)
 *  [ Credit Hour Policy ](https://drive.google.com/file/d/1oA5ibWlGcJnqKmoDq48wClIyEcRqwtpM/view?usp=share_link)
 *  [ Credit Hour Procedure ](https://drive.google.com/file/d/1EhQgi_FBiIMJb3uj6WdRcmTAjkKIx3zE/view?usp=drive_link)
 *  [ Military Leave of Absence and Withdrawal Policy ](https://drive.google.com/file/d/1HrtZsUeB3gcmIl39e_W6TfzV-pqGFvk3/view?usp=share_link)

## International Study Opportunities

 *  [ Lutherische Theologische Hochschule, Oberursel, Germany ](https://drive.google.com/file/d/1JOUrK4pI6V7GzAZZ3SP8PQckYTHA3u6X/view?usp=share_link)
 *  [ Westfield House, Cambridge, England ](https://drive.google.com/file/d/13PkDz-0rgyY4_REqHmWcmoS7S5QbqvWz/view?usp=share_link)

## Student Family Services

 * [Health Insurance Information](https://www.ctsfw.edu/legal/consumer-information/health-insurance-information)

## Financial Aid Information

 *  [ Apply for Financial Aid ](https://concordiatheologicalseminary3.my.site.com/s/academics/financial-aid/financial-aid-application)
 *  [ Other Financial Aid Forms ](https://concordiatheologicalseminary3.my.site.com/s/academics/financial-aid)
 *  [ Contact Information for Financial Aid Staff ](https://archive.ctsfw.edu/future-students/paying-for-seminary)
 * [Cost of Attendance](https://www.ctsfw.edu/legal/consumer-information/cost-of-attendance)
 * [Student Loan Information](https://archive.ctsfw.edu/paying-for-seminary/student-loan-process)
 *  [ Return of Financial Aid Funds Policy for Students Who Withdraw from the Seminary ](https://drive.google.com/file/d/14yRWtZjs4IiUCsjiFSZ-do745ynkuPcg/view?usp=share_link)
 * [Entrance Counseling for Student Borrowers](https://www.ctsfw.edu/legal/consumer-information/entrance-counseling-for-student-borrowers/)
 * [Exit Counseling for Student Borrowers](https://www.ctsfw.edu/legal/consumer-information/exit-counseling-for-student-borrowers/)
 * [Code of Conduct for Federal Student Loans](https://www.ctsfw.edu/legal/consumer-information/code-of-conduct-for-Federal-Student-loans/)
 *  [Tracking My Loans](https://studentaid.gov/h/manage-loans)
 * [Exit Counseling Guide](https://archive.ctsfw.edu/wp-content/uploads/2024/10/exit-counseling.pdf)
 *  [ Student Loan Default Rates ](https://archive.ctsfw.edu/wp-content/uploads/2016/02/Student-Loan-Default-Rates-2019-2021.pdf)
 *  [ CARES Act Grant Report – Student Portion ](https://drive.google.com/file/d/1JhOhVcFzK3tzRtm87tMwy2Ih-hzePjVz/view?usp=sharing)
 *  [ CARES Act Grant Report – Institutional Portion ](https://drive.google.com/file/d/16AX9ycMwIaEl_LAFAohvxM_oswEy0p9P/view?usp=sharing)
 *  [ 100% Tuition Coverage Consent Form ](https://concordiatheologicalseminary3.my.site.com/s/academics/financial-aid/tuition-consent-form)

## Health and Safety

 *  [ Annual Campus Security Report ](https://drive.google.com/file/d/1DuXc207zcMJMv_GdM7Hj05EdBQKkWewM/view?usp=sharing)
 *  [ Annual Fire Safety Report ](https://drive.google.com/file/d/1yBT36D8VxpOZkc5Zm8nKF9kFJ7ThgJEz/view?usp=sharing)
 *  Drug and Alcohol Abuse Policy
    -  [ Student Drug-Alcohol Policy ](https://drive.google.com/file/d/1ZOEoMSFldDC16rG6lKQxrEcRMlDBQg6v/view?usp=sharing)
    -  [ Employee Drug Abuse Policy ](https://drive.google.com/file/d/1oPKfvagWCJ2K2r1CVkoHfL18mMJT6mfA/view?usp=sharing)
 *  [ Emergency Response and Evacuation Procedures ](https://drive.google.com/file/d/1FvxuOjLJXQN_ugiSktILoWYct3WKxh6c/view?usp=sharing)
 *  [ Missing Student Policy ](https://drive.google.com/file/d/1I-hMNMMm5C3AEs_jHxugVaPW5OwINL-S/view?usp=sharing)
 *  [ Missing Student / Emergency Contact Registration ](https://ctsfw.my.site.com/cc/s/edit-emergency-contact-info)
 *  [ Student Sexual Misconduct Policy ](https://drive.google.com/file/d/1-pIvH8ypnXyxCMlyp4eCKuPxlibCLDhD/view?usp=sharing)
 *  [ Employee Sexual Misconduct Policy ](https://drive.google.com/file/d/1o6CkpSlJb51Dzv_x3xcaTXrVR5zbVzb-/view?usp=sharing)
 *  [ Timely Warning Policy ](https://drive.google.com/file/d/1Ji85FmC2Pf9eAos8-Fw0zjSW2BSbLqRd/view?usp=sharing)