Gainful Employment Information 
Generally , in order to be eligible for funding under the Higher Education Act Title IV student assistance programs , an educational program must lead to a degree at a non - profit or public institution or it must prepare students for " gainful employment in a recognized occupation. " Therefore , with very few exceptions , any non - degree program offered by non - profit or public institutions and all educational programs offered at for - profit institutions must lead to gainful employment. Subpart Q of the Student Assistance General Provisions establishes Debt - to - Earnings rates D / E rates to determine whether a gainful employment GE program prepares students for gainful employment in a recognized occupation. A D / E rate is based on the typical loan debt and earnings of a cohort of the program s former students who completed the program, usually those who completed during a two - year period concluding two years prior to the D / E rate calculation year. This delay is to account for the ramping up of the students earnings upon completion of the program. Two D / E rates, the Annual Earnings Rate and the Discretionary Income Rate, are calculated for each program as a measure of the ability of program completers to reasonably repay the educational debt incurred for their attendance in the program. For the Annual Earnings Rate , the numerator is the calculated annual loan payment amount an estimate of the annual loan repayment amount based on the median educational debt of the members of the cohort. The denominator is the higher of the cohort s mean or median earnings obtained from the Social Security Administration SSA. The Discretionary Income Rate uses the same annual loan payment amount in the numerator as the Annual Earnings Rate but the denominator is the higher of the mean or median earnings minus 150% of the poverty guideline. Annual Earnings Rates of less than or equal to 8% are considered passing rates. Annual Earnings Ra

user: Hey, good morning. I'm looking for some information about the gainful employment, please.

assistant: Yeah, no problem. A gainful employment is one of the objectives that any educational program should have through preparation of the student. With that, the student can be eligible for student assistance programs.

user: So, basically, you need to be sure that the institution is preparing the people for real world, to say something?

assistant: You could say it in that way, yes. Educational Institution must certainly prepare you for a post in a well recognized occupation.

user: Right, right. Um, i suppose that kind of info is somehow collected, huh? Is that data available to consult?

assistant: Sure, that kind of date is collected and gathered, then compiled and made available for debt measure year. Right now, the most recent date is 2015.

assistant: By any chance, did you happen to file an appeal before April 25, 2018?

user: You know? In fact i filed one some time ago, way before that date. Why you ask?

assistant: That's good. It surely was answered, because until that date, no appeals have been denied. If you like, you can review the data and check by yourself its status.

user: Uh, i'll check that out later. Say, that data collection and availability is the same for, lets say, earnings? 

assistant: Do you mean, like it was explained before?