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: What is gainful employment information mean?

assistant: Gainful employment means in order to get federal student aid a student must take an educational degree at a non-profit or public institution that will prepare them for gainful employment in a recognized occupation.

user: Is there an special act that states this?

assistant: Yes, the Higher Education Act Title IV student assistance programs.

user: Is there glossary of terms used in the data spreadsheet?

assistant: Yes, there is a glossary of terms used in the D/E data spreadsheet.

user: Is there any Debt-to-Earnings Rate Data?

assistant: Yes, D/E rate data is available for the 2015 debt measure year.

assistant: Do you know the appeal date of April 25, 2018 no appeals have been denied?

user: Yes, I know since the date of April 25, 2018 no appeals have been denied.

assistant: It shows that no appeals that have been reviewed have been denied and on the spreadsheet a singe asterisk shows that the info presented in the field has changed from what was presented before April 25, 2018.

user: What do I need to know for the Annual Earnings Rate?

assistant: You should know that the numerator is the calculated annual loan payment amount is an estimate of the annual loan repayment amount based on the median educational debt of the members. Also, the denominator is the higher mean earnings taken from the Social Security Administration.