Consumer Information Disclosure

Loraines Academy & Spa

1.Availability of institutional and financial aid information: See or ask for information in our Financial Aid office or call 727-347-4247.

2. Title of personnel available for assistance with institutional and financial aid information and how and where to contact them:

3. FERPA (Family Educational Rights and Privacy Act): Available in school library and with pre-enrollment packet.




This is based upon the DEPARTMENT OF EDUCATION'S MODEL NOTIFICATION OF RIGHTS UNDER FERPA FOR POSTSECONDARY INSTITUTIONS. The FERPA gives certain rights to parents regarding their children's education records. THESE RIGHTS TRANSFER TO THE STUDENT OR FORMER STUDENT WHO HAS REACHED THE AGE OF 18 OR IS ATTENDING ANY SCHOOL BEYOND THE HIGH SCHOOL LEVEL. The Family Educational Rights and Privacy Act (FERPA) affords students certain rights with respect to their education records. These rights include:

(1) The right to inspect and review the student's education records within 45 days of the day the School receives a request for access. A student should submit to the registrar, dean, head of the academic department, or other appropriate official, a written request that identifies the record(s) the student wishes to inspect. The School official will make arrangements for access and notify the student of the time and place where the records may be inspected. If the records are not maintained by the School official to whom the request was submitted, that official shall advise the student of the correct official to whom the request should be addressed. 

(2) The right to request the amendment of the student's education records that the student believes is inaccurate, misleading, or otherwise in violation of the student's privacy rights under FERPA.  A student who wishes to ask the School to amend a record should write the School official responsible for the record, clearly identify the part of the record the student wants changed, and specify why it should be changed. If the School decides not to amend the record as requested, the School will notify the student in writing of the decision and the student's right to a hearing regarding the request for amendment. Additional information regarding the hearing procedures will be provided to the student when notified of the right to a hearing.

(3) The right to provide written consent before the School discloses personally identifiable information from the student's education records, except to the extent that FERPA authorizes disclosure without consent. The School discloses education records without a student's prior written consent under the FERPA exception for disclosure to school officials with legitimate educational interests. A school official is a person employed by the School in an administrative, supervisory, academic or research, or support staff position (including law enforcement unit personnel and health staff); a person or company with whom the School has contracted as its agent to provide a service instead of using School employees or officials (such as an attorney, auditor, or collection agent); a person serving on the Board of Trustees; or a student serving on an official committee, such as a disciplinary or grievance committee, or assisting another school official in performing his or her tasks.

A school official has a legitimate educational interest if the official needs to review an education record in order to fulfill his or her professional responsibilities for the School. Upon request, the School also discloses education records without consent to officials of another school in which a student seeks or intends to enroll.

(4) The right to file a complaint with the U.S. Department of Education concerning alleged failures by the School to comply with the requirements of FERPA. The name and address of the Office that administers FERPA is: Family Policy Compliance Office; U.S. Department of Education; 400 Maryland Avenue, SW; Washington, DC 20202-5901.  Schools may also disclose, without consent, directory-type information such as student's name, address, telephone number, date and place of birth, honors and awards and dates of attendance. This is hereby identified as directory information, but students and parents can request the school not to disclose that information about them. Students are being advised of their rights under this law through this pre-enrollment document, with a copy given to the student. For more information regarding FERPA, HIPPA, documents required in each student's file identifying that the student's records were disclosed to representatives of the Department of Education, the E-Sign Act and Information Security, and the FTC Standards for Safeguarding Customer Information, please refer to Volume 2 of the current SFA Handbook.              

4. Veteran's InformationIf you served on Active Duty, you might be eligible for education benefits offered by the Department of Veterans Affairs. For example, the Post-9/11 GI Bill provides financial support for educational and housing expenses to individuals with at least 90 days of aggregate service after September 10, 2001, or individuals discharged with a service-connected disability after 30 days. You must have received an honorable discharge to be eligible for the post-9/11 GI Bill.

If you are currently serving in the military, you may be eligible for funding offered through the Department of Defense Tuition Assistance program. Bring your Certificate of Eligibility when you visit our Financial Aid office.  This will tell us what you're eligible to receive and help us set up your aid package.

If you are the spouse or child of a service member who is serving on active duty Title 10 orders in the pay grades of E1-E5, O1-O2, or W1-W2, you may be eligible for financial assistance from the Department of Defense for education, training, and/or the occupational license and credentials necessary for a portable career.

If you are the spouse or child of a service member, you may be eligible for transfer of the service member's Post-9/11 GI Bill benefits to you. (quoted from EO 13607 Information Working Group Principles of Excellence-Final Q&A.)

We are State Approved for Veteran's training for several of our programs. For Veterans, excused absences will be granted for extenuating circumstances only, and will be substantiated by entries in student's files. Early departures, class cuts, tardies, etc for any portion of an hour will be counted as a full hour absence. Students exceeding 18 hours of unexcused absences in a calendar month must be terminated, for VA pay purposes, for unsatisfactory attendance. Makeup work is not permitted. Veteran students are eligible for Leaves of Absence from the school, but must be terminated for VA pay purposes.

5. Student Right-to-Know Act: Prospective Students find this information in their pre-enrollment package or upon request. Most recent Calculation  per annual report to National Accrediting Agency for Cosmetology Arts and Sciences   2013 Statistics are as follows: Graduation Rate 62.99% Placement Rate 76.34% Licensure Rate 94.44%2013 IPEDS Graduation Rate Summary: Annual Completion/Graduation and Transfer Out Rates: Retention rate of first time students=72% full time retention and 50% part-time retention based on Fall of 2012 IPEDS reports. Graduation rate (2009) cohort reflects a percentage of total entering full-time, degree/certificate-seeking undergraduate students. Graduation and transfer-out rates are the Student Right-to-Know rates. Retention rates are measured from the Fall of first enrollment to the following fall. Based on this cohort, graduation rate is 24% and transfer-out rate 8%. Please keep in mind that many of our students are neither full time nor first time, and some take longer to graduate than the perimeters of the survey.

6. Annual Campus Security Report:  Distributed at front desk of school each fall; published by October 1. Also available upon request in the library and distributed in pre-enrollmentpackage. The crime statistics are reported for the last three most recent calendar years.                                                                                                                                                                  

In compliance with the student Right-to-Know  and the Campus Security Act, Loraines Academy & Spa has prepared this information on crime awareness and campus security for all students, employees, and applicants for enrollment or employment.


                                                     Loraine's Academy & Spa,  St Petersburg, Florida

A.  Current campus policies regarding procedures and facilities for students and others to report criminal actions or other emergencies occurring on campus and policies concerning the institution's response to such reports:

            This institution advises students and staff to report timely  to 911 or the St. Petersburg Police Department at 893-7780, any criminal actions or emergencies occurring on campus.  It is important that all evidence be preserved, including evidence of a sex offense. They are also asked to  make to school Director (Kathryn Alvarez)  or Administrator (Nancy Fordham)  aware of the problem.  Records are kept of all such reports. Consultation and referral  to counseling services can be provided.  If the  victim elects or is unable to make a report to the appropriate law enforcement agencies, the school  will report the crime for them. We will assist the local authorities in any way possible to resolve the situation.  If a student or staff  member is convicted of a criminal action which occurred on campus, this will be grounds for termination from enrollment or employment.  Disciplinary sanctions will be consistent with local, state and federal law, and treated on an individual basis depending on the particular circumstances.

B.   Current policies concerning security and access to campus facilities, and security considerations used in the maintenance of campus facilities: 

            This school is housed in a shopping center space.  An ADT Security system is installed at each entrance/exit. The back doors can be set to sound an alarm if opened.  Students use only the front entrance.  There are emergency "buttons" for summoning police, fire department, or ambulance service on each security panel.  If unauthorized entry is made when system is armed, the police department is called by ADT.  There are no campus residences.  Parking and common areas may be patrolled by shopping center security and city police, but are not owned or controlled by this institution. Loraines Academy does not own or control any housing, but all students and employees are advised to check with apartment managers and/or local law enforcement agencies as to residence security.

C.  Current policies concerning campus law enforcement, including the enforcement authority of security personnel, including their working relationship with police and policies which encourage accurate and prompt reporting of all crimes.

              Please see "A."  We are not a large enough campus to have campus law enforcement officers or security personnel as such.

D.  Description of the type and frequency of programs designed to inform students and employees about campus security procedures and practices which encourage students and employees to be responsible for their own security and security of others.

           This is discussed during school orientation and statements appear in school rules signed by each student. A copy of this report is made available to all students. Staff and students are encouraged to  park under lights if exiting at night, and walk out  with someone. They are encouraged to not carry cash beyond lunch money; to ask office to lock up any valuables they feel obliged to carry to school.  They are discouraged from leaving purses or other valuables unattended.  They are encouraged  to act as a Citizen's watch group to notify administration of suspected theft or other criminal activity.  Locker space is available for  rental.  Community resource programs on self protection, rape prevention, and/or police crime awareness programs are offered at least annually in theory class. Loraines Academy prohibits the offenses of domestic violence, dating violence, sexual assault and stalking.

E.  A description of programs designed to inform students and employees about the prevention of crimes.

            "Women Against Crime," a self-defense program, is an example of what is offered on a regular basis.  Brochures on crime prevention are also available at the school.  These classes occur at least once annually.

F.  Statistics concerning the occurrence on campus, during the most recent calendar year, and during the two preceding calendar years for which data is available, of the following criminal offenses reported to campus security authorities or local police agencies:

(Statistics are for a combined three year period  2012 through 2014 for  the school property and reports made to the St Petersburg Police Department for this address.  Statistics for the school property itself are "0" in every category. Public Property must also be  listed as "0" for the purpose of this report, as St Petersburg Police cannot  provide the specific restricted area data identified by the Clery Act.)

Murder/non-negligent manslaughter: 0         
Aggravated Assault: 0 
Sexual Offenses/Rape  (forcible): 0
Motor Vehicle Theft: 0      
Burglary: 0
Sexual Offenses (non-forcible) : 0
Robbery: 0       
Arson: 0
Negligent manslaughter: 0
Hate Crimes: 0
Weapons violations, liquor law violations, drug law violations: 0
Arrests or persons referred for campus disciplinary action for liquor law violations, drug-related violations and weapons possession: 0
Domestic violence, dating violence and stalking incidents that were reported to campus security authorities or local police agencies: 0

 If any of these offenses ever did occur on campus, a timely report would be posted to aid in the prevention of similar crimes.

G.  Policy concerning the monitoring and recording though local police agencies of criminal activity at off-campus student organizations.

        There are no off-campus organizations recognized by this institution.

H.  Statistics concerning the number of arrests for the following crimes occurring on  campus:

            Liquor law violations: none            Drug Abuse violations: none            Weapons possession:  none

I.  Policy regarding the possession, use, and sale of alcoholic beverages and enforcement of state underage drinking laws ; a statement of policy regarding the possession, use and sale of illegal drugs and enforcement of Federal and State drug laws and a description of any drug or alcohol abuse education programs as required under section 1213 of the Higher Education Act of 1965 and amended, containing the drug free campuses requirements added by section 22 of the Drug Free Schools and Communities Amendments of 1989.

        The Drug Free Policy established by this school is issued to each student at enrollment and a signed copy is maintained in the student folder.  Students' orientation packets also include  literature on drug and alcohol abuse.  Student rules in catalog and on copy signed by student, address use of illegal drugs or alcohol during school hours. Drug and Alcohol counseling and rehabilitation referrals are available through the  school Administrator (727-347-4247x105)

In addition, help is also available through the following:, Alcoholics Anonymous (727)530-0415, Narcotics Anonymous (727-574-0444, Counseling and Referral Service, Suncoast Center Inc and Rape Crisis Center of Pinellas at (727)530-7273.

Calling 211 will also give access to varied forms of assistance.

            Any student or employee who is involved in the following will be subject to Disciplinary actions, up to and including suspension or termination from the institution:  a. Engages in vandalism or theft of school or student property;  b. Acts in an obscene, vulgar or abusive manner; c. Attends school under the influence of or participates in the use or sale of a controlled, illegal or intoxicating substance.

J.  Explanation of the school's sexual assault prevention program and procedures:  

        The school promotes awareness of  rape, acquaintance rape and other sex offenses such as domestic violence, dating violence, sexual assault and stalking, by availability of brochures and community resource programs scheduled at least annually.  Through this program, student and faculty will know the procedures to follow when reporting such an offense, the available options of notifying law enforcement officials, the possible sanctions for committing such offenses, for the availability of counseling and other services, and the available options in living and academic arrangements. Information on registered sex offenders may be found on line at  For specific questions, this can be computer accessed by office staff upon request.

        If an incident of domestic violence, dating violence, sexual assault or stalking is reported, we work with the victim to modify their schedule if needed, encourage the reporting to police, encourage restraining orders, and  help watch at the front desk for the appearance of the person the victim wishes to avoid. We want our students to feel safe at school. If there is a restraining order, or it otherwise seems appropriate, this person would be asked to leave the campus and/or police would be notified. We will advise changes in a victim's living, transportation and working situations if requested by the victim.

EMERGENCY RESPONSE & EVACUATION: School PA system is used to notify campus community upon confirmation of a significant emergency or dangerous situation involving an immediate threat to the health or safety of students or staff occurring on campus unless the notification will, in the professional judgment of responsible authorities, compromise efforts to assist victims or to contain, respond to, or otherwise mitigate the emergency. Evacuation maps are posted on school bulletin boards. We also test emergency response and evacuation procedures on an annual basis. We will keep a record of any crime including the nature, date, time and general location of any crime and the disposition of the complaint, if known..These entries, except where disclosure of such information if prohibited by law or such disclosure would jeopardize the confidentiality of the victim, be open to public inspection within two business days of the initial report being made to us. Any new information added will become available no later than two business days after the information becomes

available. This information is only withheld if there is clear and convincing evidence that the release of it would jeopardize an ongoing criminal investigation or the safety of an individual, cause a suspect to flee or evade detection, or result in the destruction of evidence. Our campus includes our units of occupancy in Tyrone Garden Center. "Public property" means all public property that is connected to the institution, such as the sidewalks and parking lots surrounding our premises.

The institution submits annually to the Secretary a copy of the statistics required to be made available

This information is being distributed to all current students and employees, and to any applicant for enrollment or employment, annually and upon request, beginning September l, l992, per Dear Colleague: August 91: GEN 91-27. Updated by TG2-35 December 22, 1994                                                  9/1/2015

7. Registered sex offender information/policy:Explanation of the school's sexual assault prevention program and procedures:  See "J" in report above.

8. Results of any disciplinary hearing against student alleged to be perpetrator of a crime of violence or non-forcible sex offense: Available upon written request by alleged victim or the next of kin if alleged victim is deceased.

9. Emergency response and evacuation procedures for immediate notification of campus community.See Annual Campus Security Act above.

10. Timely Warning: See policy above under Emergency Response and Evacuation.

11. Retention rates of certificate first-time full-time undergraduate students as reported to IPEDS.Provided prior to enrolling and available to enrolled students upon request. See # 5 above.

12. Information on placement of, and types of employment obtained by, graduates of the school's programs. See Placement Rate in #5 above as reported to NACCAS (our accrediting agency). See this page for employment types and opportunities.

13. Career Placement Rates: See Placement rate in #5 above as reported to NACCAS (our accrediting agency.) We offer a placement service, and always have multiple opportunities listed both on our bulletin board and our website, as salons, spas, department stores, doctor's offices and massage establishments call us seeking graduates.  We also specifically advise graduates, throughout their careers as to employment opportunities that will best suit them.

14. Information on student body diversity in the categories of gender and ethnicity of enrolled, full-time students who receive Federal Pell Grants. Available upon request to enrolled and prospective students.  A report can be generated that gives the current statistics at any time 

15. Accessibility, special facilities and services available for disabled students including students with intellectual disabilities. Information readily available upon request. We seek to help anyone who wants an education and will advise them accordingly.

16. Policies and sanctions related to copyright infringement and liabilities students may face for unauthorized distribution of copyrighted materials.It is the policy of Loraines Academy to comply with copyright law. Copyright applies to any original work which exists or. Subject to copyright are images seen on computer screens, software, music, magazines, books, photographs and articles.  It is not required that they have a copyright notice. It is a violation of copyright law to copy, distribute, display, exhibit or perform copyrighted works without the authority of the owner of the copyright.  In a school setting, examples of copyright infringement might include downloading and sharing music or video files without permission of the copyright owner, using corporate logos without permission, scanning textbook or course material that has been published and using it without permission or attribution, scanning a photograph that has been published and using it without permission or attribution, downloading licensed software from non-authorized sites without the permission of the copyright or license holder, downloading licensed software from non-authorized sites without the permission of the copyright or license holder. Content owners are able to track the sharing and downloading of their copyrighted files via the IP address of the file sharer or downloader. If you distribute copyrighted material, including unauthorized peer-to-peer file sharing, you may be subjected  to civil and criminal liabilities. In general, anyone found liable for civil copyright infringement may be ordered to pay either actual damages or "statutory" damages. A court can also access costs and attorneys' fees. Willful copyright infringement also can result in criminal penalties, including imprisonment and fines. For legal alternatives to illegal downloading, please see For more information, please see and  In order to comply with Loraines Academy policy and with federal laws and regulations, Loraines Academy employs technology-based deterrents including firewalls; We do not use computer programs that are not purchased for use by the Academy. We do not allow students to use school computers other than freestanding units with authorized study programs or "sign-in" programs installed. If necessary, a student may complete their FAFSA online in the presence of the financial aid officer. Students can be expelled or disciplined or expelled for unauthorized use of copyright material, or for using or tampering with school computers. Employees can be disciplined or terminated for unauthorized use of copyright material, or for removing or sharing information from an academy computer.  You can report alleged copyright infringements or direct other copyright questions to Loraines Academy's Director or Administrator at 1012 58th Street North, St Petersburg FL 33710.  This message is distributed annually through a consumer information letter to students, and evaluated annually for the need to update or modify information and policy.

17. School's policies regarding all vaccinations: Loraines Academy does not require vaccination records for admittance.

18. Notification of Drug Free Workplace:  Published annually in a newsletter link emailed to employees, students, and graduates.

Drug Free Policy:  The Drug Free Schools and Communities Act of 1989 and the Drug Free Work Place Act of 1988 require that schools, their students and their employees certify that they have adopted and implemented practices that prevent the unlawful possession, use or distribution of illicit drugs and alcohol.

Therefore, it is the policy of this institution in accordance with 34 CFR 86.100 to:

 Annually distribute the following to each student and employee in writing:

1. Standards of conduct at this institution prohibit the unlawful possession, use or distribution of illicit drugs and alcohol by students and employees on the campus or at school activities.

2. Legal sanctions will be taken under local, state or federal law to prevent and uncover those who would unlawfully possess or distribute illicit drugs and alcohol.

3. Brochures and information will be provided and made available to employees and students each year as reminder of this policy and the health risks associated with drugs and alcohol.

4. Drug and alcohol counseling, treatment and rehabilitation services, including reentry programs are available and provided by the county and state.  Students and employees who need help will be referred to these sources either by the Director or Administrator of the school.

5. This institution will impose disciplinary sanctions consistent with local, state and federal law.  The sanction will be determined by the Director after consultation with the Administrator, the US Department of Education, law enforcement officials, rehabilitation staff and/or others depending on each individual situation.  Each instance will be treated on an individual basis depending on the particular circumstances. Continuation as a student or as an employee at this institution will depend on factors that include, but are not limited to, the severity of the offense, frequency of the violation, arrest records and convictions.

6. Biennial review will be made by the school's director and/or administrator to determine this policy's effectiveness and the need for changes, updates and revisions 

19. Description of drug and alcohol abuse prevention program:  See #18 above. Other excellent information may be found at

"Ten Tips for Prevention  As a young person you are faced with many challenges.  However, very few have the potential to affect your life in a more significant way than the decisions you make about alcohol and drugs.  The decisions you make about alcohol and drugs will influence your health, your grades, your relationships, your Career or career, or your freedom.  Not to be too dramatic. . . but these are life and death decisions. Bottom line - you are responsible for your own safety...what are you going to do? Before we review our Ten Tips for Prevention--Youth, there are two important points to be aware of:

Age of First Use of Alcohol and Drugs: Using alcohol and drugs before the brain has fully developed increases your risk for future addiction to alcohol and drugs dramatically.  Young people who start drinking alcohol before age 15 are 5 times more likely to develop alcohol abuse or dependence than people who first used alcohol at age 21 or older.  Research for drug use and drug addiction have found similar results. Family History of Alcoholism or Drug Addiction: Whether a person decides to use alcohol or drugs is a choice, influenced by their environment -- peers, family, and availability.  But, once a person uses alcohol or drugs, the risk of developing alcoholism or drug dependence is largely influenced by genetics.  Alcoholism and drug dependence are not moral issues, are not a matter of choice or a lack of willpower.  Plain and simple, some people's bodies respond to the effects of alcohol and drugs differently.  If you have a family history of alcoholism or addiction, you are four times more likely to develop a problem.  To learn more:  Family History and Genetics. So then, as a young person, what can you do to protect yourself and reduce the risk of alcohol and drug problems?  Here are Ten Tips for Prevention--Youth:

1.        Don't Be Afraid to Say No:  Sometimes, our fear of negative reaction from our friends, or others we don't even know, keeps us from doing what we know is right.  Real simple, it may seem like "everyone is doing it," but they are not.  Don't let someone else make your decisions for you.  If someone is pressuring you to do something that's not right for you, you have the right to say no, the right not to give a reason why, and the right to just walk away.

  1. Connect With Your Friends and Avoid Negative Peer Pressure:  Pay attention to who you are hanging out with.  If you are hanging out with a group in which the majority of kids are drinking alcohol or using drugs to get high, you may want to think about making some new friends.  You may be headed toward an alcohol and drug problem if you continue to hang around others who routinely drink alcohol, smoke marijuana, abuse prescription drugs or use illegal drugs.  You don't have to go along to get along.

  1. Make Connections With Your Parents or Other Adults:  As you grow up, having people you can rely on, people you can talk to about life, life's challenges and your decisions about alcohol and drugs is very important.  The opportunity to benefit from someone else's life experiences can help put things in perspective and can be invaluable.

  1. Enjoy Life and Do What You Love - Don't Add Alcohol and Drugs:  Learn how to enjoy life and the people in your life, without adding alcohol or drugs.  Alcohol and drugs can change who you are, limit your potential and complicate your life.  Too often, "I'm bored" is just an excuse.  Get out and get active in school and community activities such as music, sports, arts or a part-time Career.  Giving back as a volunteer is a great way to gain perspective on life.

  1. Follow the Family Rules About Alcohol and Drugs:  As you grow up and want to assume more control over your life, having the trust and respect of your parents is very important.  Don't let alcohol and drugs come between you and your parents.  Talking with mom and dad about alcohol and drugs can be very helpful.

  1. Get Educated About Alcohol and Drugs:  You cannot rely on the myths and misconceptions that are out there floating around among your friends and on the internet.  Your ability to make the right decisions includes getting educated.  Visit Learn About Alcohol and Learn About Drugs.  And, as you learn, share what you are learning with your friends and your family.

  1. Be a Role Model and Set a Positive Example:  Don't forget, what you do is more important than what you say!  You are setting the foundation and direction for your life; where are you headed?

  1. Plan Ahead:  As you make plans for the party or going out with friends you need to plan ahead.  You need to protect yourself and be smart.  Don't become a victim of someone else's alcohol or drug use.  Make sure that there is someone you can call, day or night, no matter what, if you need them.  And, do the same for your friends.

  1. Speak Out/Speak Up/Take Control:  Take responsibility for your life, your health and your safety.  Speak up about what alcohol and drugs are doing to your friends, your community and encourage others to do the same.

  1. Get Help!:  If you or someone you know is in trouble with alcohol or drugs, (What to Look For), get help.  Don't wait.  You are not alone."

For additional information, Learn About AlcoholLearn About Drugs or Get Help may be helpful. Reprinted with permission from

State Laws are constantly changing. For Florida Drug Distribution statutes, see Florida Statutes Section 893.135 and Florida Statutes Section 893.13 or conduct your own research by Googling search terms such as Florida Cocaine laws, Florida Heroin Laws, Florida Marijuana Laws, or Drug Charges.

20. Notice of FSA penalties for drug law violations and timely notice to each student who has lost eligibility for FSA as a result of the penalties associated with drug law violations and the ways to regain eligibility.
From"Your eligibility might be suspended if the offense occurred while you were receiving federal student aid (grants, loans, or work-study). When you complete the FAFSA, you will be asked whether you had a drug conviction for an offense that occurred while you were receiving federal student aid. If the answer is yes, you will be provided a worksheet to help you determine whether your conviction affects your eligibility for federal student aid. Preview the drug eligibility worksheet. If your eligibility for federal student aid has been suspended due to a drug conviction, you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program. If you regain eligibility during the award year, notify your financial aid office immediately so you can get any aid you're eligible for. If you are convicted of a drug-related offense after you submit the FAFSA, you might lose eligibility for federal student aid, and you might be liable for returning any financial aid you received during a period of ineligibility. Find more information on this topic in a fact sheet called FAFSA Facts for Students with Drug-related Convictions."  If our financial aid office determines that you have lost eligibility, they will attempt to contact you immediately and advise you.  If YOU have a concern about your eligibility, please consult with the financial aid office at the school.

21. National Voter Registration: In compliance with the DOE, voter registration applications are available in the Admissions office.

22. Names of associations, agencies and governmental bodies that accredit, approve or license the institution and its programs. Our programs are Nationally Accredited by the National Accrediting Commission of Career Arts and Science (NACCAS),

located at 4401 Ford Avenue, Suite 1300, Alexandria, VA 22302. Phone: (703)600-7600. NACCAS is recognized by the U.S. Department of Education as the National Accrediting Agency for Cosmetology Schools.

 Loraines is licensed by the Commission for Independent Education, Florida Department of Education. Additional information regarding this institution may be obtained by contacting the Commission at: 325 West Gaines Street, Suite 1414, Tallahassee, FL 32399-0400. Toll free telephone number (888)224-6684 or (850) 245-3200. Massage establishment license # is MM 28668.

23. Procedures for a student to obtain or review the institution's accreditation, licensure or approvals (s). These include our Accrediting Agency (NACCAS,) and the State licensing agencies for Massage and for Cosmetology. Certificates from these agencies are on display at the school.

24. List of faculty and other instructional personnel:See school catalog page 3A and 4A or the staff and instructor page on our website.....

25. Information on all degree programs and other education/training offered, including: a. certificate/diploma/degree awarded in each program b. length of each program c. definition of full-time student. d. definition of academic year e. any plans school has for improving academic programs.  Answers: a. and b. can be found in detail both in the school catalog and on the website., for instance, includes the hair programs, and the drop down menu will take you to each of the other programs. c. A full time student attends 24 hours per week or more. Most daytime students start out as full-time students and may reduce their schedules if needed, but will need proportionally more time to graduate. Evening students are scheduled for "less than full time" from the beginning, as evening classes meet 5:30-9:30pm M-F, for a total of 20 hours per week. d. An academic year is defined as 900 clock hours.  A 1200 hour cosmetology program, for instance, could feasibly be completed in a minimum of 7 months or so, if the student attends 40 hours a week, but this will always mean more than one "academic year," as 1200 hours is more than the 900 hour definition of "academic year."  e. The school continually looks for ways to improve academic programs, and improvements are ongoing.

26. Instructional, laboratory and other physical plant facilities associated with the academic programs: Over the years, the school facility has expanded and we now have a total of 12,250 square feet of classrooms, clinic and offices. As graduates return to visit, they enjoy seeing changes as we continually update the facilities. Our 2011 new Spa Training center houses the Massage and Skin departments. The main building that houses the Cosmetology and Nails departments as well as most of the offices and the media center, underwent a complete update in 2011 as well, to become more spacious and modern. The LA Salon (senior student salon) opened in 2014. Every station in the Cosmetology clinic or laboratory features hydraulic styling chairs and individual power for irons and blow dryers. We have more than a dozen nail stations, adjustable pedicure stations, a large cosmetology clinic, a facial and makeup room for cosmetology students, as well as several classrooms. In the Spa training center, you will find a waxing center as well as facial and massage clinics and classrooms including a wet room with shower for spa treatments and a double lighted makeup center. We have large and well-equipped library/study hall/conference room facility, a dispensary, student lounges and locker rooms in both buildings. Skincare training includes use of salon-quality facial machines, including microdermabrasion, and salon level photo rejuvenation. Nail Tech tables are well-lighted and well-vented. Computerized records are kept for all programs. A photo studio is available to build portfolios of your work.

27. The school admits students who do not have a high school diploma or equivalent under certain circumstances; we can also direct potential students to a GED testing center .

There are certain circumstances where students who have the Ability to Benefit to enroll without a high school diploma or GED. See the School Catalog for details on page 3 under "Admission Requirements. 

To Register to Take the General Education Development (GED) Exam on Computer: Go to the GED Testing Service website at: GED computer-based test fees are below. You will need a major credit card or debit card to pay your fees online

  • Full Battery (all 5 sub-tests) $130.00
  • You will need your valid government issued ID (driver's license, passport, Florida ID card) and social security number to register. Request a copy of your transcript/diploma here: For more information on the GED go to:

    A Florida resident, 18 years of age or older, may earn a high school diploma by passing the General Education Development (GED) test. A GED readiness assessment and counseling are available free of charge at all registration centers. The test covers five areas: Language Arts Writing, Social Studies, Science, Language Arts Reading, and Math. Click here for a map of the PTEC Clearwater Campus testing center.

28. School policies on transfer of credit, including the criteria it uses regarding the transfer of credit earned at another school:Transfer students with official transcripts are accepted, with the school determining by evaluationthe number of hours to be completed and charging for additional hours to be completed, plus registration fee, lab fee if applicable, and any equipment needed. VA students MUST report all previous education and training. The training time is also reduced proportionally. Hours completed at Loraines Academy are transferable to another school upon request, if tuition and fees are fully paid per the terms of the enrollment agreement/refund policy.

29. Required Written Arrangements for programs or portions of a program that are offered by another entity, method of delivery and estimated additional costs that student may incur:N/A

30. International Standard Book Number (ISBN) and retail price for required and recommended textbooks and supplemental material. Information on renting textbooks, purchasing used textbooks, textbook buy-back programs, and alternative content delivery programs:ISBN numbers are listed on kit lists which can be seen on website based catalog. An occasional used textbook is available for purchase, but in general, all needed and recommended textbooks are issued in kits.

31. Course Schedule information, textbook information, number of students enrolled and the maximum student enrollment of each course or class: Schedules of class starting dates are posted on our website and in the school catalog, as well as available any time upon request. Daily schedules, number of students enrolled and maximum student enrollment of each course or class are also available upon request. Normal class sizes are under a dozen students, and typical class sizes are wellbelow that. (Required Kits including Books are purchased from suppliers that sell to licensed professionals and cosmetology colleges. The school reserves the right to change books and kit items and costs as needed.  Charges for kits are published, and charges for any individual item are available in the administrative offices upon request. )

32. Cost of attending the institution including tuition and fees, books and supplies, room and board, and applicable transportation costs and any additional costs associated with specific programs. See Catalog pages 1A-3A. Students provide their own notebook and pens, and are given a dress code for their program and are expected to adhere to the guidelines. School scrubs or T-shirts, depending on the program, are issued as part of the kits.

33. Institution's refund policy and samples of institutional refund calculations:  Refund policy is in pre-enrollment literature, on Enrollment Agreements and in school catalog. Samples of refund calculations are in pre-enrollment literature and upon request.

34. Federal financial aid programs available: Pell Grant, SEOG, Federal Direct Stafford/Ford Student Loans and Federal Direct PLUS (Parent) Loans).  See additional financial aid information at students who qualify and are choosing programs which qualify.

35.  State, local, institutional or private aid available: LA Scholarship, ACE Grants, Florida Prepaid College Plan, Florida College Investment Plan, Vocational Rehabilitation, Florida DBS (Division of Blind Services), US Department of Veterans Affairs, TFC Tuition Financing, Coordinated Childcare, and other sources. See for further information or inquire in our Financial office for personalized advice and aid packages.

36. Financial aid application procedures and standards the Institution uses to determine eligibility for each financial aid program:  Prospective students should fill out a FAFSA (Free Application for Federal Student Aid) on line.  It is highly recommended that you use the "IRS Data Retrieval Tool" available on the FASFA to expedite the process. In general, student must enroll in an eligible program and be deemed eligible by the FASFA processes. If you are flagged for verification, we must complete a secondary process. Aid will then be packaged for the desired program and presented to the student before enrollment. Assistance is readily available in the Financial Aid Office.

37. Satisfactory Academic Progress standards that must be maintained for Title IV eligibility:  Ask for a copy of the school catalog (pg 16-17) or see the catalog on line at

38. Rights and responsibilities of students:

.Read and think about all consumer information about a school program before enrollment.

.Complete any application for student Financial Aid accurately and timely. You don't want to delay getting the correct answers and funding.

.Make sure you understand what you are personally liable to pay to the school and to any lenders, and are prepared to handle this responsibility.

.Consult with the financial aid office about forms to complete, your financial aid package, and details of your financial aid responsibilities.

.Provide all additional documentation, corrections, verification and new information requested.

.Study and understand all forms that you are asked to sign and keep the copies you will be given.

. Comply with the deadlines for applying for aid, and reapplying for new award year (s)

. Ask how your financial aid is determined

.Ask for explanations of each type and amount of assistance in your aid package

.Ask how satisfactory progress is determined

.Accept responsibility for the promissory note and all other agreements that you sign.

.Keep the school notified of any change of address, school status or phone; if you have a loan, also notify the lender.

.Do not be absent 30 days without a Leave of Absence....stay in contact with us if you need to miss school!  We will assist you in completing any required paperwork.

.You have the right to know the name of the accrediting organization and about our programs, clinics, facilities, curriculum and faculty.

.You have the right to know your cost of attendance and our refund policies.

.You have the right to know what accommodations can be made for disabled students and additional assistance that might be available.

.You have the right to know the procedures and deadlines are for available financial aid programs

.You have the right to know the criteria used to select financial aid recipients and how your financial need is determined

.There are additional rights and responsibilities on other forms you will be signing.

39. Description of financial aid disbursement procedures such as method and frequency:

This information is readily available, and is part of your financial aid processing. We encourage you to ask questions and get all of the information from our financial aid office as you wish or need.  Aid is distributed according to the student's (and the program's) eligibility , based on amounts set by the government, drawn in by payment period and applied to student's educational cost. Student must maintain Satisfactory Progress in grades and attendance, and complete another FASFA if their period of enrollment will cross over to another award year. In general, after 60% of the scheduled hours of attendance in any payment period, if the aid that has been disbursed exceeds charges for that payment period, the balance will be disbursed to the student in check form within two weeks.

40. Terms and conditions of any employment in the financial aid package: n/a

41. Terms and conditions of Title IV HEA Direct student Loans:This will be found in the promissory note, award letter, entrance and exit interviews and other papers processed thru the financial aid office. Both blank and completed copies are readily available in the financial aid office.

42. Terms of and schedules for repayment of student loans:These will be found in the promissory note, award letter, entrance and exit interview (US Dept of Education Entrance Counseling Guide and Exit Counseling Guide booklets may be found in the financial aid office). and other papers processed thru the financial aid office. Students are directed to a web-based entrance and exit counseling at Generally speaking, student loan portions that have been earned and disbursed must be repaid by the student. All or part of these loans may be prepaid at any time without a penalty. Your credit history is not taken into account when you receive a federal student loan, but it will be affected if you do not repay these loans under the repayment plan you agree to when you enter repayment. There are payment plans, deferments and forbearance options available, as well as advice from the school and the government. We also will give borrowers a contact number for an outside agency that we hire to assist you with any questions or concerns you may have along your repayment path. Borrowing for your education is an investment in your future.

43.  Terms and conditions under which students receiving federal loans may obtain deferments: Per the Exit Counseling Guide for Federal Student Loan Borrowers: "under certain circumstances you can receive a deferment or forbearance that allows you to temporarily postpone making loan repayments. Except for periods of economic hardship deferment under the Income Based Repayment Plan, periods of deferment or forbearance do not count toward the maximum length of time you have to repay your loans." The first deferment you may receive is the one you get for being enrolled at least half-time at an eligible postsecondary school such as Loraines Academy.  Your " in-school deferment" usually continues until you drop below half-time attendance, transfer to a non-eligible program, complete the hours of your program, graduate or drop out of school. Details are found in the Exit Counseling Guide booklet available in our financial aid office.

44. NSLDS-National Student Loan Data System FSA Loan information is available in the NSLEDS and will be accessible by servicers and institutions as authorized users.Upon entering enrollment agreement with Loraines Academy or any other eligible post-secondary institution, you need to know that any Title IV HEA loan you accept will automatically be submitted to NSLDS.  You can find information about all your Direct Loans, FFEL Program Loans and Federal Perkins Loans by accessing the Department's National Student Loan Data System (NSLDS) at or by calling toll free 1-800-999-8219. You will need your federal student aid PIN to access NSLDS. NSLDS does not include information about any private loans you may have received.

45. Student Loan Entrance Counseling:Prior to the first Federal Direct Loan disbursement, you will be directed to to learn all about these loans, complete your entrance counseling and sign your promissory note. You will sign a form called "Borrower's Rights and Responsibilities" to document that you have completed entrance counseling and understand your rights and responsibilities regarding your loans.  This information includes a discussion on the importance of repayment, accrual and capitalization of interest, option to pay interest while in school, consequences of less than half-time enrollment, notifying appropriate official when withdrawing, sample repayment amounts, consequences of default, how to access information in NSLDS, etc. If you have additional questions, feel free to talk with our Financial Aid staff.

46. Student Loan Exit Counseling :  This is readily available in the financial aid office so that when a borrower finds they will soon no longer be enrolled on at least a half-time basis, through graduation, dropping below half-time, or leaving school for any other reason, they can request "exit counseling" for their loan(s). The student will be directed to to complete their exit counseling.  If the student fails to accomplish this prior to ceasing to be enrolled, the Exit Counseling material will be mailed to them.  You are asked to keep the school office advised of any changes of address so that we can properly assist you. You do NOT want to default on a Federal Student Loan.  This Exit Counseling includes a discussion on debt management strategies and tax benefits (general description), and stresses the importance of developing a budget based on your minimum salary requirements, etc. At this time, you will complete an Updated Student Contact Information page...providing contact information for your next of kin and two references, so that the lender has a way to reach out to people who may know your whereabouts for the next few years... in case you move and forget to notify the lender.

47. Title IV Code of Conduct Policy:  Loraines Academy Inc (LA) seeks to ensure transparency in the administration of its student financial aid program and to avoid the harm that may arise from actual potential, or perceived conflicts of interest.

In addition the Higher Education Opportunity Act sets conditions for educational institutions to participate in Title IV programs and requires the development of and compliance with federal law (HEOA 487(e), LA has adopted the following code of conduct:

All officers, employees, and agents of LA who have responsibilities with respect to student educational loans must comply with this code of conduct.

Ban on revenue-sharing arrangements with any lender: Neither LA as an institution nor any individual officer, employee or agent shall enter into any revenue sharing arrangements with any lender.

Ban on receiving gifts from a lender, guaranty agency or loan service: No officer, employee, or agent or any of their family members, shall solicit or accept any gift from a lender, guarantor, or servicer of education loans. For purposes of this prohibition, the term "gift" means any gratuity, favor, discount, entertainment, hospitality, loan or other item having a monetary value of more than a nominal amount.

Ban on  contracting arrangements: No officer, employee or agent shall accept from any lender or affiliate of any lender any fee, payment or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangements or other contract to provide services to a lender or on behalf of a lender relating to education loans.

Prohibition against steering borrowers to particular lenders or delaying loan certifications: LA shall not assign through award packaging or other methods any first-time borrower's loan to a particular lender; or refuse to certify or delay certification of any loan based on the borrower's selection of a particular lender or guaranty agency.

Prohibition on offers of funds for private loans: LA shall not request or accept from any lender an offer of funds for private loans, including funds for an opportunity pool loan, to students in exchange for providing concessions or promises to the lender for a specific number of Title IV loans made, insured, or guaranteed, a specified loan volume, or a preferred lender arrangements. An "opportunity pool loan" is defined as a private education loan made by a lender to a student that involves a payment by the institution to the lender for extending credit to the student.

Ban on Staffing assistance: LA shall not request or accept form any lender any assistance with call center staffing or financial aid office staffing.

Ban on advisory board compensation: No one employed in the financial aid office or who has any responsibilities with respect to education loans or other student financial aid shall derive any material benefit from serving on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors. However, such individuals may be reimbursed for reasonable expenses incurred n serving on such advisory board, commission or group.

48. Withdrawal Process: If a student is considering dropping out before completing their training, they are advised to come to the Administrator's office and see if there is another option, as well as find out how this decision will affect them financially. As stated in our catalog,  page 14, "discontinuance is when a student drops out of school or the school terminates the student's enrollment. This is required when the student is absent over 30 calendar days without a leave. The Department of Education stipulates how much of the student's Financial Aid must be returned to Title IV, and then the student is required to pay for scheduled hours up to the last day of attendance, calculated under their contract. Transfer credits are available upon payment of all funds due to the school. Their acceptance in another school is anticipated, but will be a decision to be made by the new school. If a student desires later to re-enroll, our policy is to assist them in any way possible to enable them to complete a program. Students who were making[N1]  Satisfactory Progress will be considered to be doing so upon their return. Students who were not, or who were dismissed for unsatisfactory progress, must interview with the administration office before readmission. The student re-enrolling must bring attendance and/or grades up to both standards before being considered to be making Satisfactory Progress. SAP Appeal is available at time of reenrollment. Financial aid or veterans benefits will not be awarded until student is considered to be making Satisfactory Progress."

49. Return of Title IV Funds Policy : This is stated as part of the Refund Policy found on every student Enrollment Agreement and in the school catalog.  Return to the Lender, Pell or other federal account, as well as refunds to the student, will be made within 45 days of formal termination by the school, which shall be based on the last day of physical attendance or the date of notice to the school. For students who do not return from a leave of absence, first day of leave is used as termination date. If a student is expelled (or just stops showing up), it is based on the last day of attendance. Return to Title IV (R2T4) is made in the following order: Federal Unsubsidized Stafford, Federal Subsidized Stafford, Federal Plus, Pell, FSEOG. This calculation may result in monies due to Title IV by the student. Refunds due to the student would first be applied to any unpaid institutional charges.  There are examples of the R2T4 policy available.

50. Availability of Title IV funds for study abroad: n/a

51. Net Price Calculator. This is updated annually and found on the Institution's Web site.  This calculator is intended to provide estimated net price information (defined as estimated cost of attendance- including tuition and required fees, books and supplies, room and board (meals), and other related expenses..minus estimated grant and scholarship aid) to current and  prospective students and their families based on what similar students paid in a previous years. It does not include available student loans.

52. College Navigator Website: This link is also available on the website under "valuable links."

53. Requirements for official withdrawal from school: Students should contact Nancy Fordham, Administrator in person or by mail or phone (727-347-4247). More information is found on page 14 of the school Catalog.

54. Gainful Employment Disclosures: These are posted on the institution's website and in other promotional materials school provides to prospective students. They are updated annually.

55. Sexual Offender information:  The Florida Department of Law Enforcement (FDLE) has a sexual predator and sexual offender information toll-free number 1-888-357-7332 and for TTY Accessibility 1-877-414-7234 as well as a registry website at

56. Sexual Misconduct Policy:  LORAINES ACADEMY & SPA is committed to providing a working and educational environment for all students, faculty and staff that is free from sex discrimination, including sexual misconduct. Every member of the Loraines Academy community should be aware that the school is strongly opposed to sexual misconduct, and that such behavior is prohibited by state and federal laws.
Click Here for the Complete Loraines Academy & Spa Sexual Misconduct Policy & Procedures For Responding To Sexual Misconduct

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