2008年《十大博彩推荐排名》(HEOA)要求参加第四章经济援助计划的教育机构遵守一项行为准则，该准则禁止与机构官员的职责发生利益冲突, employee and agent of the school with respect to educational loans. 十大博彩推荐排名州立大学致力于最高的道德标准，并采用了以下联邦政府规定的行为准则:
1. Preferred Lender Arrangement
十大博彩推荐排名州立大学与任何私人教育贷款机构都没有优先贷款安排，因此没有保留优先贷款机构名单.
2. Revenue-Sharing Arrangements
Neither Montclair State University nor any of its officers, 员工或代理人应与任何贷方签订收入分成安排. For purposes of this paragraph, 收益分享安排一词是指机构与贷款人之间的一种安排，根据这种安排:
- A lender provides or issues a private education loan to students attending the institution or to the families of such students; and
- 机构推荐出借人或出借人的贷款产品并作为交换, the lender pays a fee or provides other material benefits, including revenue or profit sharing, to the institution, an officer, employee or an agent.
3. Receiving Gifts from a Lender, a Guarantor, or a Loan Servicer
No officer, (四)受聘于资助办公室或对民办教育贷款负有其他责任之机构职员或代理人, shall solicit or accept any gift from a lender, guarantor, or servicer of any education loans.
Definition of Gift
- For purposes of this paragraph, the term ‘gift’ means any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a de minimus amount. The term includes a gift of services, transportation, lodging, or meals, whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after the expense has been incurred.
- The term gift does not include any of the following:
- Standard material, activities, or programs on issues related to a loan, default aversion, default prevention, or financial literacy, such as a brochure, a workshop, or training.
- Food, refreshments, training, 或提供给官员、雇员或代理人的信息材料，作为培训课程的组成部分，旨在改善贷款人的服务, guarantor, or servicer of education loans to the institution, if such training contributes to the professional development of the officer, employee or agent.
- Favorable terms, conditions, 以及借款人在教育贷款方面的利益，该贷款提供给由该机构雇用的学生，如果有这样的条款, conditions, 或者福利与该机构提供给所有学生的福利相当.
- 根据§§682的要求，为借款人提供入学和退出咨询服务，以履行机构的入学和退出咨询责任.604(f) and 682.604(g), 只要机构的工作人员控制咨询(无论是亲自还是通过电子功能)，并且这种咨询不会推广任何特定贷款人的产品或服务.
- Philanthropic contributions to an institution from a lender, servicer, (三)与教育贷款无关的教育贷款担保人或者出借人的出资, servicer, 或者担保人，不是为了换取与教育贷款有关的任何好处.
- State education grants, scholarships, or financial aid funds administered by or on behalf of a State; and
(iii) For purposes of this paragraph, a gift to a family member of an officer, employee or agent, 或者其他任何一个人因为这个人与警官的关系, employee or agent, is considered a gift to the agent if:
- The gift is given with the knowledge and acquiescence of the officer, employee or agent; and
- The officer, 雇员或代理人有理由相信该礼物是由于该官员的官方职位而赠送的, employee or agent.
4. Contracting Arrangements Providing Financial Benefit
An officer, 受聘于经济援助办公室的雇员或代理人，或负责教育贷款的其他人员，不得向任何贷款人或任何贷款人的附属机构收取任何费用, payment, 或其他经济利益(包括购买股票的机会)，作为向贷方或代表贷方提供与教育贷款有关的任何类型的咨询安排或其他合同的补偿.
5. Directing Borrowers to Lenders or Delaying Loan Certifications
Montclair State University participates in the Federal Direct Loan program. In regards to other education loans, the University shall not:
- For any first-time borrower, assign, through award packaging or other methods, the borrower’s loan to a particular lender; or
- Refuse to certify, or delay certification of, 借款人选择特定出借人或担保机构提供的贷款;
6. Offers of Funds for Private Loans
十大博彩推荐排名州立大学不得要求或接受任何贷款人提供的用于私人教育贷款的资金, including funds for an opportunity pool loan, 向学生提供优惠或承诺，以换取机构向贷款人提供:
- A specified number of private education loans;
- A specified loan volume of such loans; or
- A preferred lender arrangement for such loans.
“机会池贷款”是指贷款人向在该机构就读的学生或该学生的家庭成员提供的需要付款的私人教育贷款, directly or indirectly, by such institution of points, premiums, additional interest, 或向贷款人提供经济支持，以便贷款人向学生或家庭提供信贷.
7. Staffing Assistance
十大博彩推荐排名州立大学不得要求或接受任何贷款人在呼叫中心人员配置或财务援助办公室人员配置方面的任何帮助, 除非本款的任何规定不得被解释为禁止该机构请求或接受与以下事项有关的贷款人的援助:
- Professional development training for financial aid administrators;
- Providing educational counseling materials, financial literacy materials, or debt management materials to borrowers, 前提是这些材料向借款人披露了协助准备或提供这些材料的任何贷款人的身份.
8. Advisory Board Compensation
任何受雇于十大博彩推荐排名州立大学财务援助办公室的员工, 或者对学校的教育贷款或其他学生经济援助负有其他责任, and who serves on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors, must not receive anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses, as that term is defined in §668.16(d)(2)(ii), incurred in serving on such advisory board, commission, or group consistent with applicable University policies.
Note: 如果出现问题，是否某一活动是禁止的，无论是本行为准则或十大博彩推荐排名州立大学的道德规范, please see your supervisor. For example, 根据本行为准则，最低价值的礼物可能是允许的，但可能被十大博彩推荐排名州立大学的道德规范所禁止. In all cases, stricter standard of ethical policy will apply.