Consumer information

As a participating institution in the William D. Ford Federal Direction Loan Programme, Liverpool John Moores University is required to provide the following consumer information. Should you require any further information about this content, please complete a student enquiry form.

Academic programmes

Details of courses available at Liverpool John Moores University are available from our course factfile pages.

Please be aware that the following programmes are considered ineligible for U.S. Federal Direct Loans:

• programmes that are less than half time
• programmes delivered through distance learning / Telecommunication
• programmes partially delivered by a partner institution that is not Title IV eligible
• Internships and Externships programmes
• programmes delivered in the United States
• Nursing programmes e.g. BSc Nursing / Midwifery
• Graduate Certificates / Diplomas
• Certificates of Higher Education
• Collaborative Academic Partnerships with other institutions in US
• Apprenticeship programmes
• Visiting and exchange students or students on an Erasmus/Study Abroad programmes *Students apply for funds through home institution*
• Courses taught by any of LJMU's partners who are not eligible to deliver US loans
• Programs studied in part at another UK or overseas (excluding institutions in the United States) higher education institution that is not authorised to provide Federal Student Aid are only eligible for Federal Student Aid if the proportion of study at the other institution is 25% of the overall course duration or less.
• Programs which involve study in the United States are only eligible for Federal Student Aid if 25% or less of the program is taught in the US, and the institution in the US is an eligible institution.

Study abroad

Federal aid is not available for students attending Liverpool John Moores University who wish to undertake a study abroad programme whilst studying. However, students may be able to obtain a private loan for this purpose.

U.S. students who come to Liverpool John Moores University on a study abroad programme from a U.S. institution and are enrolled on a programme at LJMU which is approved for credit by their home institution, may be considered enrolled in their home institution for purposes of applying for U.S. Federal Student Aid.

Student financial aid information

For information about all need based and non-need based financial assistance available to international students at LJMU, please visit our fees and finance section.

Information on the following is provided on separate webpages. Should you require further clarification, please complete a student enquiry form.

• Terms and conditions of the Title IV Higher Education Act Loans
• Criteria for selecting recipients and determining award amount
• Eligibility requirements and LJMU’s procedures for applying for the aid
• Frequency and methods of disbursing aid
• Rights and responsibilities of students receiving Title IV HEA student financial aid*, including the criteria for continued student eligibility and standards for satisfactory academic progress (SAP)
• Terms of loans received as part of the financial aid package, and the necessity for repaying loans
• Procedures and forms by which students apply for assistance
• Exit counselling information

Rights and responsibilities of students receiving aid

By accepting your loan, you are making a promise to accept the responsibilities that come with it. It is therefore important you understand your rights.  Further information can be found within LJMU’s Default Management Plan

• This is a loan and it must be repaid. Information on repayment plans is available on the Federal Student Aid website
• Interest will be charged. Additional information on interest rates and how each loan is structured is available on the Federal Student Aid website
• If you default on a loan, there may be penalties imposed by your lender. It is therefore very important you read everything from your lender carefully
• If you chose to withdraw or take a break from your studies, you will be subject to the University’s Withdrawal Policy, for more information about withdrawing from your course see Student Regulations.
• You are required to:
  - Use your loan for educational purposes
  - Tell your lender about any changes, including change of address or change of course
• You have a right to:
  - Prepay your loan early without any consequences
  - Deferent on previous loans
  - Written information of your obligations
  - Explanation of consequences of default
  - Notification if your loan is sold

In order to retain eligibility for your loans you should meet the following academic requirements:

• not exceed 150% of the published timeframe for the course and should remain enrolled on at least part-time (half-time) status
• pass any taught modules with a minimum pass mark for that module
• meet any relevant contact points each term as required

View the Satisfactory Academic Progress Policy (SAP).

Cost of attendance

View a breakdown of our cost of attendance.

Leave of Absence policy

View LJMU’s LOA Policy.

School and programme approval and accreditation

In the United Kingdom, the power to award degrees is regulated by law. The Privy Council is responsible for granting of degree award power and university titles. Details of all providers can be obtained on the website for the Higher Education Funding Council for England (HEFCE).

Liverpool John Moores University is also regulated by the Quality Assurance Agency for Higher Education (QAA).

Family Educational Rights and Privacy Act (FERPA)

The Family Educational Rights and Privacy Act (FERPA) (20 U.S.C. § 1232g; 34 CFR Part 99) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

FERPA gives parents certain rights with respect to their children's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are "eligible students”.

Eligible students have the right to inspect and review their education records maintained by the school. 

You also have data privacy rights protected by UK and European law under the Data Protection Act 1998 and the new General Data Protection Regulations that came into effect in May 2018. For further information regarding the privacy of student records, please see our webpage.

Professional bodies

Please find a list of our affiliate professional bodies.

Retention rates

For information on retention rates for all certificate degree-seeking, first time, full time undergraduates, please refer to the Higher Education Statistics Agency.

Placement rates and graduate professional information

For information on placement and types of employment obtained by graduates (undergraduate and graduate), please reference the Higher Education Statistics Agency.

Transfer of credit

Accreditation for Prior Learning is covered under the RPEL Policy.

Textbook information

All textbooks and recommended reading materials are available through our library services, therefore students are not required to purchase any books unless they choose to. You may search the library catalogue.

Education records and privacy

Your rights to review educational records and procedures is outlined in the University’s Data Protection and Freedom of Information Policies.

Student loan information published by the Department of Education

Liverpool John Moores University will provide information published by the Department of Education to any student who requests it. This includes the rights and responsibilities of students and schools under Title IV HEA (Higher Education Act) loan programmes.

National Student Loan Data System

Details of students taking out loans at LJMU will be submitted to National Student Loan Data System (NSLDS). This data will be accessible to guaranty agencies, lenders and schools determined to be authorised users of the data system.

Vaccinations

Information regarding vaccines is available under Student Advice and Wellbeing.

Campus facilities and disability services

Information on services and facilities for students with disabilities can be found on the disabled students support page.

Plagiarism and copyright information

Please visit see our policies on copyright, data protection and freedom of information. Information on plagiarism is contained within the Academic Misconduct Policy.

Private education loan disclosures

Liverpool John Moores University has no preferred private lender. In most cases LJMU will work with any lender that a prospective borrower wishes to use. Please be aware that many private lenders will not offer loans to those students studying outside the United States. For information on Sallie Mae loans, please see our private loans webpage.

Code of conduct for education loans

In order to prohibit a conflict of interest with the responsibilities of an agent with respect to private education loan, all staff at LJMU with responsibility for federal and private education loans from the US are prohibited from the following:

• revenue-sharing arrangements with any lender
• receiving gifts from a lender, a guarantor, or a loan servicer
• contracting arrangements providing financial benefit from any lender or affiliate of a lender
• directing borrowers to particular lenders or refusing or delaying loan certifications
• offers of funds for private loans
• call centre or financial aid office staffing assistance
• advisory board compensation

Education records and privacy

Your right to review educational records and procedures is set out within the University’s Data Protection Policy.

Crime statistics

Please visit Police.UK for information on crime statistics in Liverpool.

Athletic programme disclosures

Liverpool John Moores University does not have an 'intercollegiate athletic programme' as defined by the U.S. Department of Education.

Gainful employment

Liverpool John Moores University, as a non-U.S. university, is not required to participate in gainful employment (GE) reporting as fewer than 10 students per subject area have completed a GE programme at LJMU during the award year.

Drug and alcohol abuse prevention

LJMU’s policy on drug and alcohol abuse can be found within the Policy Centre - Health and Safety Code of Practice documents WPC1 Drugs and WPC2 Alcohol.

Mature Student Regulations

US Department of Education state that ‘Mature Students’ applying for Federal Student Aid must have a High School diploma or an equivalent secondary school completion credential.

Complaints Policy

View the Liverpool John Moores University Complaints Policy here.