Consumer Information

In compliance with HEA Sec. 485(a)(1), Sec. 485(f), Sec. 485(g), Sec. 485(j), and the Family Educational Rights and Privacy Act of 1974 (FERPA), Mauna Loa Helicopters is disclosing the availability of specified information. On this page you will find menu drop downs with information dedicated to the disclosures. They provide resources and links for current and prospective students. More detailed information is provided by the linked pages.

Fax: 808-334-0191

Contact information for individual agencies that offer financial assistance can be found here.

Privacy of Student Records−Family Educational Rights and Privacy Act (FERPA)


FERPA stands for the Family Education Rights and Privacy Act of 1974. This law protects the privacy of student education records from kindergarten through graduate school. FERPA applies to all schools that receive funds through an applicable program of the U.S. Department of Education, and thus most postsecondary schools are covered by FERPA.

FERPA requires that education records be kept confidential. Records may be disclosed with the consent of the student, if the disclosure meets one of the statutory exemptions, or if the disclosure is directory information and the student has not placed a hold on release of directory information.

Students at MLH may request a copy of their records at any time. Students have a right of access to their records (but not necessarily the right to a copy of the record) and a right to request the correction of records that are inaccurate or misleading. If the school denies this request for correction of a record, the student may request a hearing.

Institutions must give students annual notice of their rights under this law, and most institutions accomplish this by having in place a student record policy.

The statute defines the phrase “education record” broadly as “those records, files documents, and other materials which 1) contain information directly related to a student; and 2) are maintained by an educational institution.

Digital records are covered by FERPA.

Facilities and Services for Students with Disabilities


MLH is dedicated to providing reasonable accommodation to its flight school students with documented disabilities who request assistance. Individual flight school student needs are addressed with regard to specific disabilities, academic and career goals, learning styles and objectives for personal development. Campus-specific services include academic advising, assistance with registration, advising on time-management skills, study and testing skills, arrangement of group study and facilitation of physical access.

FAA-certified programs are subject to regulation requirements by the FAA. Therefore, due to regulatory requirements, persons with certain disabilities may be limited or delayed in participation or licensure in the flight training programs.

Students interested in MLH programs are encouraged to contact us for information regarding eligibility concerns. All information is confidential and not included in the student’s academic records.

Student Diversity


The following Student Diversity information is based June 2011 enrollment in our Professional Pilot Program.

Male: 90%
Female: 5%

Self-Identified Members of a Major Racial or Ethnic Group:
Asian/Pacific Islanders: 14%
White: 61%
Hispanic/Latino: 5%
American Indian/Alaskan: 10%
Other: 10%

For more information about student diversity at Mauna Loa Helicopters, call 1-808-334-0234

Price of Attendance

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Net Price Calculator

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Refund Policy and Requirements for Withdrawal and Return of Federal Financial Aid

Refund Policy

Mauna Loa Helicopters maintains a full refund policy for all unused training funds. Refunds will be issued within 30 days of refund request or student withdrawal, pending any personal checks that have not yet cleared. Funds that have been supplied by a lender will be refunded in the manner prescribed by the individual financial institution. Merchandise purchases are non-refundable. The $150 enrollment fee is non-refundable and costs associated with the issuance of an international visa will be retained.
Withdrawal Policy

Students have the right to withdraw from the program at any time. Notice of withdrawal must be submitted in writing to the school via e-mail or directly to a member of management. If a student withdraws owing money this money must be paid immediately or the student risks being sent to collections. If a student withdraws having a positive account balance, the refund will be processed according to policy.

Students enrolled in the Professional Pilot Program who do not attend classes for more than 90 consecutive days and do not submit a leave of absence request, will be considered a withdrawal from the program.

Title IV students who do not attend classes for more than 14 consecutive days and do not submit a leave of absence request, will be considered a withdrawal from the program.
Refund of Title IV Funds for Federal Aid Students

The law specifies how a school must determine the amount of Title IV funds that a student earns if they withdraw from the program. When a student withdraws before completion of the program, the Title IV program assistance that has been earned up to that point is determined by a specific formula. If a student received (or the school or student’s parents received on student’s behalf) less assistance than what was earned, a student may be able to receive those additional funds. If a student receives more assistance than earned, the excess funds must be returned by the school and/or student.

The amount of assistance earned is determined on a pro-rata basis. For example, if 30% of the program hours were completed when withdrawal occurs, then 30% of the Title IV financial aid for the payment period would be earned. A student will have earned 100% of the Title IV financial aid disbursed for the payment period or period of enrollment if the student withdrew after completing more than 60% of the scheduled program hours.

Once the amount of Title IV financial aid that was not earned has been calculated, federal regulations require that the school return Title IV funds disbursed in the following order:

• Unsubsidized Federal Stafford Loans
• Subsidized Federal Stafford Loans
• Unsubsidized Direct Stafford Loans (other than PLUS loans)
• Subsidized Direct Stafford Loans
• Federal PLUS/Grad PLUS Loans
• Direct PLUS Loans

If a student did not receive all of the funds that were earned, a student may be due a Post-withdrawal disbursement. If a Post-withdrawal disbursement includes loan funds, the school must get your permission before disbursing them. A student can choose to decline some or all of the loan funds to avoid incurring additional debt. If there are outstanding fees owed to the school, the school may ask to use the Post-withdrawal disbursement toward these fees. The school cannot apply your Post-withdrawal disbursement without a student’s permission; however in most cases it is in a student’s best interest to allow the school to keep the funds to reduce your debt at the school.

There are some Title IV funds that cannot be disbursed after withdrawal because of other eligibility requirements. For example, a first-time, first-year undergraduate student who has not completed the first 30 days of their program before withdrawal will not receive any FFEL or Direct Loan funds that would have been received had they remained enrolled past the 30th day.

If a student receives (or the school, or student’s parent receive on student’s behalf) excess Title IV program funds that must be returned, the school must return a portion of the excess equal to the lesser of:
• Student’s Institutional charges multiplied by the unearned percentage of funds received, or
• The entire amount of the student’s excess funds.
The school must return this amount even if it didn’t keep this amount of your Title IV program funds.

If the school is not required to return all of a student’s excess funds, the student must return the remaining amount. Any loan funds that must be returned may be repaid in accordance with the terms of the promissory note.

The requirements for Title IV program funds when a student withdraws are separate from any refund policy that the school has. Therefore, a student may still owe funds to the school to cover unpaid institutional charges. The school may also collect from a student for any Title IV program funds that the school was required to return.

If you have any questions about your Title IV program funds, you can call the Federal Student Aid Information Center at 1-800-4-FEDAID (1-800-433-2343). TTY users may call 1-800-730-8913.

Textbook Information


MLH students will be required to buy various books and publications which they will utilize throughout their training. Many are available online, through the school or in free .pdf version from the FAA website.

Educational Program

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Instructional Facilities

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Transfer of Credit Policies and Articulation Agreements

Flight School Student Hours and Credits

Students with prior flying experience may be eligible for credit toward the hourly requirement established for each FAA pilot certificate or rating. Credit that may be assigned is governed by Federal Aviation Regulations 141.77(b). The transferability of credits earned at this institution is at the discretion of the accepting institution. It is the student’s responsibility to confirm whether credits will be accepted by another institution of the student’s choice.

Articulation Agreement

MLH holds no articulation agreement with other flight schools.

Accreditation, Approval and Licensure of Institution and Programs

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Copyright Infringement-Policies and Sanctions


Unauthorized distribution of copyrighted materials, including School documents, and unauthorized peer-to-peer file sharing may subject the student to civil and criminal liabilities.

Copyright infringement is the act of exercising, without permission or legal authority, one or more of the exclusive rights granted to the copyright owner under section 106 of the Copyright Act (Title 17 of the United States Code). These rights include the right to reproduce or distribute a copyrighted work. In the file-sharing context, downloading or uploading substantial parts of a copyrighted work without authority constitutes an infringement.

Penalties for copyright infringement include civil and criminal penalties. In general, anyone found liable for civil copyright infringement may be ordered to pay either actual damages or “statutory” damages affixed at not less than $750 and not more than $30,000 per work infringed. For “willful” infringement, a court may award up to $150,000 per work infringed. A court can, in its discretion, also assess costs and attorneys’ fees. For details, see Title 17, United States Code, Sections 504, 505.

Willful copyright infringement can also result in criminal penalties, including imprisonment of up to five years and fines of up to $250,000 per offense.

For more information, please see the Web site of the U.S. Copyright Office at, especially their FAQ’s at

Computer Use and File Sharing


Students found to have violated the policies of academic integrity, including copyright infringement with respect to unauthorized peer-to-peer file sharing, including illegal downloading or unauthorized distribution of copyrighted materials using the institution’s information technology system, may receive the following sanctions including a failing grade on the assignment, probation, or dismissal from the School.

Student Activities

Life at Mauna Loa Helicopters

MLH operates 365 days per year. We welcome all students and make every effort to ensure that each student’s transition into life at our school is easy and comfortable.

Student Activities

There are many off-campus activities that provide a way for students to have fun while training in Hawaii. Scenic valleys, expansive beaches, exotic rainforests, hiking, sailing, fishing, surfing, snorkeling, diving, sight seeing…even erupting volcanoes. To us, Hawaii is an incredible place to live.

Student Services

Student services are available to help students with their transition to Hawaii and Mauna Loa Helicopters. Students will receive a welcome packet including maps, essential phone numbers, and information to help the student get acclimated. Pick up from the airport is available with adequate notice.

Student Housing

We offer dormitory style housing. If students prefer to live off campus, we can recommend several off-campus apartment options at all locations. Housing is $475 per month with a $475 security deposit.

Our staff can answer any questions parents or students may have concerning housing.

Stay Connected

• Facebook: We have an active Facebook page where students and families are encouraged to keep in touch online.

• We regularly update the News section of our website.

• Mail: Students can receive mail and packages while training at MLH. Please note that we cannot forward mail for students from this business address. Students using this address will need to contact all senders and notify them of their change in address. For this reason we encourage students to look into a P.O. box or private mail box.

Career and Job Placement Services


Mauna Loa Helicopters offers career-minded students assistance finding their first job. The school prefers to hire instructors from its own graduate pool. This depends on the demand at the time and upon the individual’s performance and professionalism. The school hires 70% – 80% of its graduates from the Professional Pilot Program.

There are many types of financial aid available to MLH students. These include:

Federal Student Loans
Sallie Mae Financial
Sallie Mae Scholarships
Pilot Finance, Inc.
Utah Valley University
Alaska Advantage Program
Helicopter Foundation International
Veterans Educational Benefits

For information on assistance other than Federal Student Loans, please click here.

Federal Student Loans


Mauna Loa Helicopters is accredited by ACCSC and approved by the Department of Education to offer certain Title IV loan programs such as Direct Loans and Plus Loans. Mauna Loa is proud to be the first independent helicopter school in the country able to offer federal financial aid to their students. Independent students can qualify for up to approximately $5,000 in federal loans. Dependent students who qualify for the Parent Plus Loan can borrow up to the full tuition cost for the Professional Pilot Program and expenses.

Federal loans are low-interest government subsidized loans to assist students who are enrolled at least half time. Under the Direct Loan program, the Federal government now insures these loans.

1. Subsidized loans-a student must have financial need. Students will not be charged any interest before the repayment period begins or during authorized periods of deferments.
2. Unsubsidized loans-are not awarded on the basis of need. Students will be charged interest from the time the loan is disbursed until it is paid in full. Students will have the option of paying the interest while in school or allowing it to accrue.
3. Parent PLUS loans-enable parents, or a parent, with good credit histories to borrow money in order to pay the education expenses of each child in the family classified as a dependent undergraduate student enrolled at MLH at least half time.

You can learn all about these exciting programs by going to

How to apply for Federal Student Loans


To apply for Title IV aid, a student must complete the Free Application for Federal Student Aid (FAFSA). The application must be completed with extreme care and accuracy. The application will be transmitted electronically to a central processor, which will calculate the Expected Family Contribution (EFC) according to the Federal Needs Analysis and run the information through various edits. MLH is available to answer any questions students may have about the FAFSA. The FAFSA is used to determine eligibility for all types of Title IV programs. The funds available to the student will depend on the EFC and the cost of attendance.

For more information on applying for Federal Student Loans contact MLH at (808) 334-0234. Click here to download Steps to Financial Aid. 

To apply for the parent plus loan, parents can go to, sign in, and go to “Complete the PLUS Request Process.”



To be eligible for Title IV Assistance, a student must meet the following requirements:

• Be enrolled as a regular student in an eligible program of study.
• Be a United States citizen or national or an eligible non-citizen. Verification of eligible non-citizen status may be required.
• Have financial need as determined by a needs analysis system approved by the U.S. Department of Education.
• Provide required documentation for the verification process and determination of dependency status when required.
• Not owe a refund on a Federal Pell Grant, FSEOG, or State Grant previously received from any college.
• Not be in default on a Federal Perkins Loan (formerly NDSL), Federal PLUS, Federal SLS, Federal Stafford Loans, or any Income Contingent Loan previously received from any college or university.
• Not have borrowed in excess of annual aggregate limits for the Title IV programs.
• Be registered for the Selective Service if the student is a male born after December 31, 1959.

The availability of, and eligibility for, aid from federal programs is not guaranteed from one year to the next. Students must reapply every year. When transferring to a different school, students must check with their new school to find out the appropriate steps to take. Once the application is completed, the information will be used in formulas that calculate need and help determine eligibility. Financial need is determined by subtracting the EFC from the cost of attendance. When combined with other aid resources, a student’s aid package may not exceed the cost of education.
Rights and responsibilities of students receiving aid

A Federal Stafford Loan borrower can find their Borrower’s Rights and Responsibilities in the Master Promissory Note. A Signed copy of your MPN can be obtained from your lender that you applied with.

The Federal Stafford Loan Program includes the following loans:
• Subsidized Federal Stafford Loan formerly known as Guaranteed Student Loan (GSL),
• Unsubsidized Federal Stafford Loan,
• Federal PLUS (parent) Loan,

The Federal Stafford Loan Program is authorized by Title IV; Part B of the Higher Education Act of 1965, as amended.
Federal Student Financial Aid Penalties for Drug Law

Be advised that a student who is convicted of any offense under any Federal or State law involving the possession or sale of a controlled substance while enrolled in an institution of higher education and receiving any federal financial aid (e.g. grant, loan, or work assistance) will lose his/her eligibility for such federal assistance according to the following schedule:

If convicted of an offense involving the possession of a controlled substance, the ineligibility period is:

First Offense: 1 year
Second Offense: 2 years
Third Offense: Indefinite

If convicted of an offense involving the sale of a controlled substance, the ineligibility period is:

First Offense: 2 years
Second Offense: Indefinite

Initial Loan Counseling for Student Borrowers


Prior to first disbursement, all Loan borrowers must complete Entrance Counseling. Information on the following topics is available in our Federal Stafford and Federal Graduate PLUS Loan Entrance Counseling pages:

• the effect of the loan on eligibility of the borrower for other forms of aid
• an explanation of the use of the Master Promissory Note (MPN)
• the seriousness and importance of the students’ repayment obligation
• information on the accrual and capitalization of interest
• borrowers of unsubsidized loans have the option of paying interest while in school
• definition of half-time enrollment and the consequences of not maintaining half-time enrollment
• importance of contacting appropriate offices if student withdraws prior to completion of program of study
• sample monthly payment amounts
• the obligation of the borrower to repay the full amount of the loan regardless of whether the borrower completes the program or completes within the regular time for completion, is unable to obtain employment upon completion, or is otherwise dissatisfied with or does not receive the educational or other services the borrower purchased from the school
• consequences of default
• information about the National Student Loan Data System (NSLDS) and how the borrower can access the borrower’s records
• name and contact information for the individual the borrower may contact with questions about the borrower’s rights and responsibilities or the terms and conditions of the loan

Exit Counseling for Student Borrowers


Shortly before the student borrower ceases at least half-time study, he/she is required to complete Exit Counseling. The exit counseling sessions include information on the following:

• average anticipated monthly repayment amount
• repayment plan options
• options to prepay or pay on shorter schedule
• debt management strategies
• use of the Master Promissory Note (MPN)
• the seriousness and importance of student’s repayment obligation
• terms and conditions for forgiveness or cancellation
• copy of information provided by the Department of Education (link)
• terms and conditions for deferment or forbearance
• consequences of default
• options and consequences of loan consolidation
• tax benefits available to borrowers
• the obligation of the borrower to repay the full amount of the loan regardless of whether the borrower completes the program or completes within the regular time for completion, is unable to obtain employment upon completion, or is otherwise dissatisfied with or does not receive the educational or other services the borrower purchased from the school
• availability of the Student Loan Ombudsman’s office
• information about the National Student Loan Data System (NSLDS).

Exit Counseling can be accessed via our website at

Institutional Code of Conduct for Educational Loans


Ethical considerations regarding student financial are important to MLH. There are no revenue-sharing arrangements with any lender of any kind. The act of receiving gifts from a lender, a guarantor, or loan servicer is prohibited. There will be no contract arrangements providing financial benefit from any lender of affiliates of a lender. Loan certifications will not be delayed or refused, and MLH prohibits the directing of borrowers to particular lenders. No funds will be offered as private loans. There is no financial aid assistance to office staff, and no compensation to any advisory boards in contact MLH.

Preferred Lender Arrangements

MLH has no preferred lenders.

Student Alcohol and Other Drug Abuse Policy

Drug-Free Schools and Communities Act


Federal regulations require each postsecondary institution, which participates in Federal student financial aid programs, to certify to the Secretary of Education that it has a program in effect to prevent the use of illicit drugs and the abuse of alcohol by employees and students. It also requires a distribution of drug- and alcohol related information to employees and students on an annual basis. The following provides students, faculty, and staff with the required information and advises those individuals of their responsibilities under the Drug-Free Schools and Communities Act.

Alcoholic Beverages and Illegal Drugs



Federal regulations require postsecondary institutions who participate in Federal student financial aid programs have a program in effect to prevent the use of illicit drugs and the abuse of alcohol by employees and students, and to distribute drug and alcohol related information to employees and students on an annual basis. Standard of Conduct: MLH employees and students are prohibited from being on campus under the influence of, or in possession of, illicit drugs or alcohol; and are prohibited from engaging in the use or distribution of illicit drugs or alcohol as any part of school activities, whether such activities are conducted on or off campus. Students who know of employees or fellow students who violate these standards are encouraged to notify the Chief Flight Instructor or any member of MLH management of such offenses.

Additional information regarding State/Federal Sanctions and assistance agencies is available through Administration. NO student will be permitted in MLH aircraft or facilities while under the influence of alcohol. Students will comply with FAR 91.17 concerning the use of alcohol.

Standard of Conduct


MLH employees and students are prohibited from being on MLH property while under the influence of, or in possession of, illicit drugs or alcohol as any part of MLH activities, whether such activities, are conducted on or off campus. Students who know of employees or fellow students who violate these standards are encouraged to notify MLH management of such offenses.

School Sanctions


Students found in violation of the standards of conduct will have written reports placed in their permanent academic records, will be dismissed from the school, and may be referred to local authorities for prosecution. Parents of “dependent” students will be notified of such violations.

State and Federal Sanctions


Hawaii statutes deem it unlawful for any person to sell, purchase, manufacture, or deliver illicit drugs. Penalties associated with conviction of violations of these statutes include prison terms of up to 30 years with accompanying fines ranging from $1,000 to $500,000. Federal penalties include prison terms up to life and fines of up to $20 million. Property may also be seized. Conviction of driving while under the influence of alcohol can result in a financial burden of paying court costs, lawyer fees, and fines; participation in community services; suspension of driver’s license; higher cost or loss of automobile insurance; and imprisonment. An up to date list of federal drug trafficking penalties (by schedule) can be found online at

Health Risks


The risks associated with the use of illicit drugs and the abuse of alcohol are numerous and include physical and mental impairment, emotional and psychological deterioration and devastating effects on family and friends. There are obvious risks such as suffering a hangover, being charged with driving under the influence or while intoxicated, and sustaining or causing personal injury. There are a number of less obvious risks associated with alcohol and other drug abuse that students might not realize, including:

• Poor academic performance
• Poor job performance
• Poor social interactions
• Unwanted and inappropriate sexual activity
• Sexually transmitted diseases, including HIV/AIDS
• Pregnancy
• Jeopardizing future career prospects, (e.g., admission to law school and employment with the federal government)

In addition, alcohol and other drug abuse puts the user at considerable health risk, which can include nausea, vomiting, cancer, liver damage, elevated blood pressure, psychotic episodes, hallucinations and, in some cases, death. In addition to the risk to the abuser of illicit drugs and alcohol are the risks to fellow classmates, the public and to unborn children.



Students who desire additional information or request assistance with a drug or alcohol problem are encouraged to contact MLH for assistance. A link to Hawaii treatment and prevention providers can be found at

Federal Student Financial Aid Penalties for Drug Law


Be advised that a student who is convicted of any offense under any Federal or State law involving the possession or sale of a controlled substance while enrolled in an institution of higher education and receiving any federal financial aid (e.g. grant, loan, or work assistance) will lose his/her eligibility for such federal assistance according to the following schedule:

If convicted of an offense involving the possession of a controlled substance, the ineligibility period is:

First Offense: 1 year
Second Offense: 2 years
Third Offense: Indefinite

If convicted of an offense involving the sale of a controlled substance, the ineligibility period is:

First Offense: 2 years
Second Offense: Indefinite

Vaccination Policies


MLH does not require proof of vaccination to attend.

Campus Security Policies, Crime Statistics and Crime Log

2013 Annual Security Report


Mauna Loa Helicopters (MLH) encourages all members (students, employees, and visitors) of our College Community to be fully aware of the Campus Safety matters and to take action to prevent and report illegal and other unsafe activities should they occur. Practicing personal safety and reporting incidents of concern are the foundational ways we can work together to enjoy a safe community.



In 1990, Congress enacted the Crime Awareness and Campus Security Act (Title II of the Public Law 101-542), which amended the Higher Education Act of 1965 (HEA). This act required all postsecondary institutions participating in the Title IV student financial aid programs to disclose campus crime statistics and security information. The act was amended in 1992, 1998 and 2000. The 1998 amendments renamed the law the Jeanne Clery Disclosure of Campus Security Policy and the Campus Crime Statistics Act in memory of a student who was slain in her dorm room in 1986. The Higher Education Opportunity Act Amendments of 2008 added additional requirements for crime reporting, including expansion of hate crimes, which must be reported, and the requirement of a written campus policy for coordination with local law enforcement.

The Clery Act requires higher education institutions to give timely warning of crimes that represent a threat to the safety of students or employees, and to make public their campus security policies. It also requires that crime data be collected, reported and provided to the campus community and is also submitted to the Department of Education. The goal of the Clery Act is to provide students and their families, as higher education consumers, with accurate, complete and timely information about safety on campus so that they can make informed decisions.

To be in compliance with the Clery Act regulations, an institution has several obligations. These obligations fall into three main categories: 1) policy disclosure; 2) records collection and retention; and 3) information dissemination.

Crime Reporting Policies


MLH does not employ campus security. Facilities located on airport property are under the jurisdiction and watch of airport security. All public facilities are also under the jurisdiction of the state police. MLH maintains a close working relationship with airport security. MLH also is available to work with the Hawaii Police Department, the FBI and any other law enforcement agency, if the need should arise. MLH currently has three locations associated with the school:

73 310 U’u Street
Kailua-Kona, HI 96740

Student Housing
73-4336 Waikane Place
Kailua-Kona, HI 96740

90 Nakolo Place, Suite 2
Honolulu, HI 96819

In previous years MLH had a campus in Kauai and another off campus student housing facility. The addresses for those are:

Former Student Housing
73-4284 Keokeo #B
Kailua-Kona, HI 96740

Kauai Campus
3501 Rice St. #50
Lihue, HI 96766

All locations have access to the Hawaii Police Departments in their area 24 hours a day, 365 days a year. Also, there is someone in management available to assist at our 2 campuses Monday-Friday 8am-4pm.

All persons on our campuses and student housing are encouraged to immediately report any criminal activity to the Hawaii Police Department. When provided with a police report, MLH requires a copy for their records. In the event there is not a report made, MLH requires that you fill out an Incident Form, which can be obtained from any of the managers in our offices, both in Honolulu and in Kailua-Kona.

Crime Report


MLH will issue an annual report of crimes occurring on campuses and student housing that are made known to MLH directly, or through related law enforcement agencies. This report is made available by MLH and will be in hard copy and available to view Monday-Friday during normal business hours at each campus location. This report will also be provided to all current students and staff members of MLH, either directly or via email. The report can also be viewed on the MLH website.

Crime Reporting Procedures


All criminal activity occurring on campus or student housing should be reported immediately to local Police Department. MLH strongly encourages and supports complainants and victims to report all crimes. In appropriate cases, reports will be shared with management at MLH. MLH staff will assist police in any way they can.

If you are a victim of a crime or witness a crime:

Call the Police Department in your area immediately or dial 911 in an emergency.
Phone numbers to call for reporting a crime or when in need of assistance are as follows:
Kona Police Department – 808-326-4646
Kona International Airport Security – 808-329-5073
Honolulu Police Department – 808-529-3111
Honolulu Airport Security – 808-836-6641
MLH Office Phone Number Kona – 808-334-0234
MLH Office Phone Number Honolulu – 808-834-6799

After a crime, write down as much information as you can remember. If you cannot identify the perpetrator by name, try to recall as many details as possible about the offender(s), such as:

Approximate Age
Description of Face (eye color, hair color/style, jaw, nose, facial hair, glasses, etc.)
Distinguishing Marks (scars, tattoos, etc.)
Voice/Speech Pattern

Attempt to obtain a description and license number of any vehicle involved. Note the direction taken by offenders or vehicles and report those to the Police Department. Preserve the crime scene; do not touch or remove any items involved in the incident. Close off the area of the incident and do not allow anyone in the crime area until the Police arrive.

All employees who become aware of an allegation of violation of MLH policy, student code of conduct, or civil or criminal law should report the allegation to their supervisor or call the Police Department immediately.

Responding to Reports


All allegations will be investigated. These reports will be classified according to the FBI Uniform Crime Reporting Definitions.

When alleged perpetrators are identified as students, management will take the appropriate action in working with the Police Department.

MLH will issue a timely warning to members of the campus community in cases of reported murder, sex offenses, robbery, aggravated assault, burglary, motor vehicle theft and any hate crimes (manifesting evidence of prejudice based on race, religion, sexual orientation or ethnicity), in cases where MLH management determines there is a continuing threat to the College community. In such cases, warning may be provided through campus bulletins (via email), campus memos, and any other means necessary.

Timely Warnings


Whenever MLH receives information that a crime has been committed which may pose a continuing threat to the safety of any campus member, the management at MLH will issue a timely warning. In such cases, warnings will be posted and communicated under the heading “Public Safety Alert”.

Public Safety Alerts are distributed for the purpose of informing the campus community of a potentially dangerous condition that may affect their personal safety. The alert will contain information regarding an incident that will allow campus community members to take the proper measures to insure their individual safety. The alert may also contain a request for information regarding an incident. Public Safety Alerts will remain posted as long as it is determined that a threat exists, or will be removed after thirty days if no similar incidents occur. In addition, a daily crime log listing crimes reported to MLH is maintained in the main office of each MLH training site, and will be available for public review during normal business hours.

Emergency Notification


MLH will notify the community when a significant emergency or dangerous situation occurs involving an immediate threat to the health and safety of the campus community. These notifications may be given verbally, as well as through email, text messaging or phone calls. There will also be memos posted if needed.

In the event of a significant emergency, an emergency notification will be issued by MLH to students and employees without delay. This notification process will take into account the safety of the community, determine the content of the notification and initiate the notification. If 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, the notification may be delayed. MLH has several notification messages that are prepared in advance for immediate outreach. Notifications may be issued through collaborative discussion between the Police Department and the managers of MLH. Information regarding the emergency may also be posted on the MLH website and/or through our main offices as appropriate to inform the larger community.

Crime Definitions


The definitions listed are taken from the Federal Bureau of Investigation Uniform Crime Reporting Handbook and National Incident Based Reporting System and used to classify the criminal offenses previously listed:

Aggravated Assault:


Unlawful attack by one person upon another for the purpose of inflicting severe or aggravated bodily injury, usually accompanied by the use of a weapon or any means likely to produce death or great bodily harm. It is not necessary that injury result from an aggravated assault when a gun, knife, or other weapon is used which could and probably would result in serious personal injury if the crime were successfully completed.



Any willful or malicious burning or attempt to burn, with or without intend to defraud, a dwelling house, public building, motor vehicle or aircraft, personal property of another, etc.


Unlawful entry of a structure to commit a felony or a theft, including unlawful entry with intent to commit a larceny or felony; breaking and entering with intent to commit a larceny; housebreaking; safecracking; and all attempts to commit any of the aforementioned.

Motor Vehicle Theft:

Theft or attempted theft of a motor vehicle.

Murder and Manslaughter:

Willful or through gross negligence, killing of another human being by another.


Taking or attempting to take anything of value from the care, custody, or control of a person or persons by force or threat of force or violence and/or by putting the victim in fear.

Sex Offenses:

Forcible Rape, Forcible Sodomy, Sexual Assault with an Object, Forcible Fondling, Incest, Statutory Rape.

Drug Violations:

Violations of state and local laws relating to the unlawful possession, sale, use, growing, manufacturing, and making of narcotic drugs. Relevant substances include: opium or cocaine and their derivatives (morphine, heroin, codeine); marijuana; synthetic narcotics (Demerol, methadones); and dangerous non-narcotic drugs (barbiturates, Benzedrine).

Liquor Violations:

Violation of laws or ordinances prohibiting the manufacture, sale, transporting, furnishing, possessing of intoxicating liquor; maintaining unlawful drinking places; bootlegging; operating a still; furnishing liquor to a minor or intemperate person; using a vehicle for illegal transportation of liquor; drinking on a train or public conveyance: and all attempts to commit any of the aforementioned. Drunkenness and driving under the influence are not included in this definition.

Weapons Violations:

Violation of laws or ordinances dealing with weapon offenses, regulatory in nature, such as: manufacture, sale, or possession of deadly weapons; carrying deadly weapons, concealed or openly; furnishing deadly weapons to minors; aliens possessing deadly weapons; and all attempts to commit any of the aforementioned.

Larceny Theft:

The unlawful taking, carrying, leading, or riding away of property from the possession or constructive possession of another.

Simple Assault:

Simple, not aggravated, includes all assaults which do not involve the use of a firearm, knife, cutting instrument, or other dangerous weapon and in which the victim did not sustain serious or aggravated injuries.


To unlawfully place another person in reasonable fear of bodily harm through the use of threatening words and/or other conduct, but without displaying a weapon or subjecting the victim to an actual physical attack.

Vandalism of Property:

The willful or malicious destruction, injury, disfigurement, or defacement of any public or private property, real or personal, without the consent of the owner or person having control.

Management at each MLH location will communicate with the Police Department regarding issues occurring on campus. When such incidents occur, management will determine the proper means of communicating these concerns to the campus community. MLH encourages all students and employees to be responsible for following stated security procedures and practices.

Procedure for Reporting Sexual Assault

Contact the Hawaii Police Department (808)326-4646, or call 911, as soon as possible after the offense occurs. Victims should attempt to note everything about the location and remember that it is extremely important to preserve evidence. Victims should not bathe, douche, use the toilet, or change clothing. Rape victims should seek medical attention immediately, regardless of whether the matter is reported to the police. MLH will assist the student in notifying the proper authorities, if the student requests this assistance.

Victims should obtain a description of the offender(s), including sex, age, race, hair, clothing, and other distinguishable features. Victims should also attempt to obtain a description and license number of any vehicle involved, note the direction taken by offenders or vehicles and report this information to campus authorities or the police. Victims should also take care to preserve the crime scene. It is essential to refrain from touching any items involved in the incident, and to close off the area of the incident to prevent people from entering the crime area until law enforcement officers arrive. MLH administrators and staff will attempt to maintain the anonymity of the sexual assault survivor.

Every attempt will be made not to release names to the media, unless requested by the sexual assault survivor. Names and addresses of survivors are shared with the Police Department and/or other local law enforcement agencies. Each report of sexual assault will be investigated in order to provide better protection for sexual assault survivors and all member of the campus community. Sexual assault survivors should be aware of the college’s responsibility to release information regarding the fact that an assault occurred, for the protection and safety of others.
Counseling for sexual assault victims is available at:

Sexual Assault Support Service Ywc
75-5706 Hanama Pl. Ste. 202
Kailua-Kona, HI 96740


Sex Abuse Treatment Center
Harbor Court Building
Honolulu, HI 96813

MLH maintains official records of reports of sexual assault, as is the case with all reported violations of the law. Students, faculty and staff are encouraged to contact MLH Public Safety Liaison, Holly Mandel, to report any information regarding assaults. Each report will be logged as presented by the complainant. Appropriate criminal classifications will be determined after a review of all facts presented. If the Public Safety Liaison determines that a threat continues to exist for the campus community, information about the reported sexual assault will be reported to the campus community, whether reported by a sexual assault survivor or through a third-party report. As much detail as possible will be released to identify the assailant, such as location, date, time and other information that could identify the suspect. The Liaison will inform the campus community of the reported sexual assault by posting “Public Safety Alerts”.

MLH will take appropriate action to safeguard the survivor and, at the same time, protect the rights of the alleged perpetrator. If the survivor of a sexual assault requests, MLH will attempt to provide, if reasonably available, an alternate or modified class schedule for the survivor. MLH will normally not take any disciplinary action against a member of the campus community without a written complaint and the assistance of the complainant in the disciplinary process, unless the college determines there is a clear danger to the victim or the college community.
Contact Information for Public Safety Liaison: Holly Mandel 808-990-6806

Sexual Violence Policy Statement

Sexual Violence is an intolerable intrusion into the most personal and private rights of an individual, and is prohibited at MLH. MLH is committed to eliminating sexual violence in all forms and will take appropriate remedial action against any individual found responsible for acts in violation of their policy. Acts of sexual violence may also constitute violations of criminal or civil law, or other campus policies that may require separate proceedings. To further its commitment against sexual violence, MLH provides reporting options, internal mechanisms for dispute resolution, and prevention training or other related services as appropriate.

If a sexual assault should occur on campus, both the accuser and accused are entitled to the same opportunities to have others present during a campus disciplinary proceeding, and both the accuser and accused shall be informed of the outcome of any campus disciplinary proceedings brought alleging sexual assault.

To prevent sexual assault and harassment, MLH has undertaken educational efforts to inform employees and students of their responsibilities regarding such behavior, how to identify and eliminate potential sexual assault and harassment and what steps can be taken if instances of sexual assault and harassment are experienced. These efforts include written information regarding the prevention of sexual assault, as well as the definition of sexual assault and where to get help.

Alcohol and Drug free Campus Policy

Policy Statement

Mauna Loa Helicopters recognizes that the misuse of alcohol and other drugs is a serious problem in our society. MLH seeks to promote a healthy and responsible campus environment which is conducive to teaching and learning.

In compliance with the Federal Drug Free Schools and Community Act, and the Federal Drug Free Work Act, MLH has adopted the following policies regarding the use of alcohol and other drugs:

No employee shall use, possess, manufacture, sell, or otherwise distribute any alcoholic beverage, illegal drug or any controlled substance while on campus or while off campus during work hours.

No student shall use, possess, manufacture, sell, or otherwise distribute any alcoholic beverage, illegal drug or any controlled substance while on campus or while off campus during work hours.

No employee shall report to work and no student shall report to campus while under the influence of alcohol or a controlled substance, which affects alertness, coordination, reaction, response, judgment, decision-making or safety.

Exceptions and Exemptions

The medically authorized use of a prescription drug is exempt from this policy.

An exception to use alcohol for specific events or for instructional purposes requires prior approval by the owner of MLH, Ben Fouts or the GM, Cara Hollenbeck.


Violators of this policy are subject to the following consequences, including timely involvement of law enforcement agencies when appropriate: Employees found to have violated this policy will be subject to disciplinary action including, but not limited to, any one or all of the following: oral and written reprimand, suspension, termination and referral for prosecution.

Students found to have violated this policy will be subject to disciplinary action including, but not limited to any one or all of the following: warning, confiscation, suspension, expulsion, and referral for prosecution. Visitors found to have violated this policy are subject to removal from campus or MLH sponsored off campus events or activities.

Hawaii Law

Hawaii has many statutes which regulate and control the use and abuse of alcohol. For example, driving while under the influence (DUI) may result in a fine, jail time, and/or revocation of a driver’s license. Possession of alcohol under age 21 or use of false identification to purchase alcohol may result in a fine. Furnishing alcohol to persons under 21 is punishable by a fine and/or time in prison.

Federal Law

Federal law provides varying penalties for controlled substance crimes. For example, illegal possession of a controlled substance may result in a substantial fine and jail or prison time for the first offense. Additional penalties may include forfeiture of personal property or the denial of federal student financial aid benefits or other federal licenses and benefits. Trafficking in drugs such as heroin or cocaine may result in life imprisonment.

Health Risks Associated with Alcohol and Drugs

Abuse and addiction to alcohol, nicotine, and illegal substances cost Americans upwards of half a trillion dollars a year, considering their combined medical, economic, criminal, and social impact. Every year, abuse of illicit drugs and alcohol contributes to the death of thousands to hundreds of thousands of Americans, while tobacco is linked to over 400,000 deaths per year. People of all ages and backgrounds suffer the harmful consequences of drug abuse and addiction. Adults who abuse drugs often have problems thinking clearly, remembering, and paying attention. The abuse can lead to disruption in their work, as well as personal lives.

Resources for Assistance

West Hawaii Alcoholics Anonymous 808-329-1212
Honolulu Alcoholics Anonymous 808-946-1438
Access and Security of Campus Facilities

During normal business hours, MLH will be open to the general public. During non-business hours, access is by key and any non-employees of MLH must be accompanied by an MLH employee. The administrative team and instructors are issued keys. Security issues are handled by airport security for the Kona and Honolulu campuses. Student housing in Kona is off campus and falls under the jurisdiction of the Hawaii Police Department.

Emergency Response and Evacuation Plan

MLH shares any emergency notifications from the state, local or federal government concerning the location of their campuses, as well as student housing. In the event of an emergency directly affecting MLH students or staff, MLH will disperse warnings and all pertinent information via text message, email, and/or posted notices, as well as verbally. All students and staff of MLH should familiarize themselves with evacuation routes. These routes are available and posted at MLH 2 campuses, as well as student housing.

In the event of a declared evacuation by the fire department, police or administration, students and staff should leave the area as directed. Do not stand around the area and do not reenter the area until an all clear is given by the proper authorities.

In the event of a fire students and staff should adhere to the following guidelines:


Listen for announcements from the authorities or administration.

Follow evacuation routes from the area.
Exit in an orderly and organized fashion.
Stay out of the way of firefighters, police and other emergency responders.
If caught in smoke, take short breaths through your nose, stay near the floor and move to an exit by crawling while covering your nose and mouth with fabric, if possible.


Attempt to fight the fire unless you are an emergency responder and have been trained to do so.
Run, panic or push.
Return to the area until an all clear is given.
Personal Safety
MLH takes the safety of their students and staff very seriously. We are on alert for any suspicious or dangerous activities. At the same time, MLH strongly believes that all persons can help deter criminal activity. Students and staff should be aware of their surroundings at all times.

Protect Your Property:

Personal property should never be left unattended. Take such items with you when you leave an area.
Lock any door necessary when vacating an area.
Never open exterior doors to strangers if you are unsure.
If you ride a bike, always lock it when unattended.

Protect Your Vehicle

Always lock your car doors.
Try to park in a well-lit area.
Avoid leaving personal or valuable items in plain view inside your vehicle.

Protect Yourself

At night, always try to walk with others.
Walk along well lit and familiar routes.
Be alert to your surroundings at all times.
Have your keys in your hand before you reach your vehicle.

Suspicious Activity

If you see suspicious activity or people on campus or student housing, please report the incident to the appropriate party. This may be the police by calling 911, or the management team. Do not confront a suspicious person.

Crime Statistics

Below are the crime statistics for the last 3 years at MLH’s campuses, as well as student housing. MLH began issuing Title IV funds in 2011. For MLH’s current 3 locations, as well as former locations, there were no crimes reported to the Hawaii Police Department within a mile radius of each one in 2010, 2011 and 2012.
General crime statistics for the state of Hawaii can be found at

Crime Stats 2010
Crime Stats 2011
Crime Stats 2012
Crime Stats 2010, 2011, 2012, Kauai and Previous Housing

Missing Person Notification Policy

On-Campus Missing Person Procedures


Events that could cause a flight training student at MLH to be considered missing include contact from a concerned individual, including school staff, about a student’s absence or lack of contact that is contrary to their normal behavior and/or if unusual circumstances may have caused the absence.

When a school staff member becomes aware of a potential missing student, a School Missing Person – Initial Report (IR) is initiated that begins the Missing Person Protocol. The 24-hour period begins at the time the report is generated, and School staff will follow the missing person procedures to report and investigate the missing person.

MLH Role

MLH will gather information from the reporting source utilizing the School’s IR. MLH will perform routine checks within housing and check with roommates or other students to determine when the missing person was last seen.

MLH shall attempt to call, email, and/or text message the missing person and check with friends to ask when they last communicated with the person. School files will be reviewed on the missing person for verification of vital information such as age, contact information, etc. MLH will also check the missing person’s mailbox to determine if they have been picking up mail, and attempt to determine if the missing person’s vehicle is in any School parking lots.

All housing and campus investigating procedures should be completed by 24 hours after first notification of the missing student.

Notifications without Following the Missing Persons Procedures


Certain events may occur that preclude the use of the standard Missing Persons Procedures as developed by the School. The following circumstances will require a deviation from the procedures:

• Suspected foul play or danger including expressed suicidal ideology
• Known medical condition that could cause a life-threatening situation
• Natural disaster or other force of nature in which the student may have been involved
• The missing flight training student has no designated contact on file
• Similar circumstances, not listed, may also require deviation.

Student & Staff Role


Individuals who believe a student at MLH is missing should contact the School and initiate a student housing investigation. MLH will initiate official notification procedures to public safety officials for any resident who is determined to be missing for more than 24 hours.

Designated Contact


All residents have the option to designate an emergency contact should the resident be determined to be missing for more than 24 hours. If a resident has not been located, the designated contact or the custodial parent or guardian will be contacted by the President of the School. All residents are encouraged to complete the emergency contact info line in the school’s online myFBO system.

Public Safety Notification


If a resident chooses not to designate a contact, MLH will notify the local law enforcement when a resident has been determined to be missing for more than 24 hours.

Fire Safety Policies, Fire Statistics and Fire Log (Housing Facilities)



The Higher Education Opportunity Act (HEOA) was signed into law in 2008 and contains several crucial campus safety components. One of the main provisions of the HEOA is the Campus Fire Safety Right-to-Know Act. This provision calls for all Title IV eligible institutions that participate in Title IV programs, and maintain on-campus student housing facilities, to publish and distribute an annual fire safety report, or notice of the report, to all enrolled students and current employees by October 1 of each year. The report will outline fire safety systems, fire policies, drills, evacuation procedures, and statistics on fires for the 3 most recent calendar years.

Flight School Fire Prevention Program


It is the mission of MLH to provide faculty, staff, student pilots, and visitors with the safest possible environment, free from potential fire hazards. The primary goal of the School’s Fire Prevention Program is to recognize hazardous conditions and take appropriate action before such conditions result in a fire emergency. This goal is accomplished by (1) conducting periodic facilities safety & security audits of the buildings, and (2) increasing the fire safety awareness of employees and students by conducting periodic training on basic fire safety through fire drills.

Fire and life safety features of School buildings shall be in compliance with all applicable standards of the National Fire Protection Association (NFPA) and the local Authority Having Jurisdiction (AHJ). The School conducts fire safety inspections of all School buildings. Some buildings may be inspected more frequently as deemed necessary.

Fire Safety Systems

Student housing buildings maintain a smoke alarm system.

Fire Alarm and Evacuation Procedures


Evacuation of student housing is required whenever the smoke alarm activates.
Prior to a fire alarm or fire drill

• Learn the location of the two (2) closest emergency exits.
• Learn the emergency phone number: 911.
• MLH staff can further identify the designated meeting place(s), once outside the building.
• Review emergency evacuation procedures located on the inside of housing.

Proceed to the door of the room and check it for heat with the back of a hand.

• If cool, open the door slowly and check for smoke in the hall. If no smoke, go to the nearest Exit and evacuate the building.
• If hot, or if there is smoke present in the corridor do not open the door: Stay in the room. Pack towels or blankets under the door. Telephone 911 on a cellular phone, if available. Wave a brightly colored item out the window for ease of recognition.
If able to evacuate the room

• Close the door to the room when leaving, do not lock it.
• Proceed to the closest EXIT and evacuate the building.
• Meet at the pre-designated area outside and away from the building for accountability.
• Report absent people that were known to be in the building
• Stay away from the building for reason of personal safety and firefighter accessibility.
• Do not re-enter the building until the fire alarm has been silenced and the Fire Department has granted permission.

Training & Drills


All housing residents and staff receive fire safety training (through fire drills) at the beginning of the calendar year or when deemed necessary after significant life safety system changes. In the event of a fire incident, MLH will coordinate with the Police and Fire Departments in the investigation of each fire incident.

Fire Prevention Policies


To minimize the potential for fires, it is the policy of the School to prohibit open burning and the use of combustible decorations at all times. Open burning, as defined by the School, is any open/exposed flame or combustion that produces heat, light or smoke, and has the potential to cause a fire.

All decorations and ornaments must be of fire resistant or non combustible material and U.L. rated. They shall not be hung or posted on any fire protection equipment (fire extinguishers, sprinkler heads and piping, smoke detectors, fire alarm pull boxes, etc.), on or near exits, on or near exit or emergency lights, on or near any other protective or operating feature provided by the School, or in any manner that could present a fall or trip hazard, or impede egress. All decorations, ornaments and displays are required to be removed in a timely manner after the event. Decorative lights including Holiday lights, as well as floodlights, extension cords or electrically operated ornaments must also be U.L. rated.

Electric lights or electrically operated ornaments shall not be used on metal, aluminum or any other similar metal, which could induce an electric shock. Only heavy duty extension cords and decorative lights in good condition (free from damage or exposed wiring) shall be used for decorations, must be unplugged at the end of each day, and removed after the event or holiday season.

Extension cords may not be routed under rugs or carpets, through doorways or in any manner that could present a fall or trip hazard, or impede egress. It is the policy of the School that only artificial Holiday trees will be used and shall be of fire retardant or non combustible material. Indoor trees must be placed out of the way of traffic, not block doorways, exits, exit signs or any of the fire protection equipment, or present a fall or trip hazard that impedes egress. Artificial snow and other decorative sprays should be used with extreme caution; avoid spraying around exits, exit signs or any of the fire protection equipment.

To minimize the potential for fires, it is the policy of the School to prohibit the use of the following items in housing: portable space heaters, hibachis, any open flame device or object including candles, incense sticks and related accessories, hot plates, slow cookers, deep fryers, electric skillets, electric woks, griddles, sandwich makers/grills, toaster ovens, flammable/combustible liquids (for recreational/personal use), fireworks, firecrackers, rockets, flares, sparklers and other devices, halogen lamps, ceiling/wall tapestries, live Holiday trees or non fire retardant artificial Holiday trees. The use of cooking devices does not apply to areas designated and built for such purposes.

Graduation and Job Placement Rates

Below are some important rates, as prescribed by the SRKCS and 34 CFR § 668.6(b). All data was taken from the 2008-2009 enrollment period and include only full-time students in the professional pilot program.

• Graduation Rate: 81%
• Job Placement Rates for Graduates: 77 %

Job Placement for Graduates

At MLH, we’re passionate about helping our students learn how to fly, and we focus on achieving two main goals:

• Training students how to be the most knowledgeable, safe and sought-after pilots in the aviation industry.
• Helping MLH graduates find work and succeed in the industry

MLH maintains an excellent employment rate for their students after graduation. Hear what our alumni have to say over at the Mauna Loa alumni page.

While MLH offers no formal job placement for students, we do everything in our power to assist our instructors in finding their first jobs in the industry. Immediately after graduation we have had great success in assisting their placement in exciting industries throughout the world.

Graduation Rate and Transfer-out Rate for Students Receiving Athletically Related Student Aid

Not applicable.

As required by the Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008, MLH encourages those meeting voter registration guidelines to register to vote and participate in the democratic process for all federal and state elections.

Voter registration qualifications include:
• 17 1/2 years of age register; 18 years of age to vote
• U.S. citizen
• Hawaii Resident

Voter registration forms may be found at:

Unlike grants or work-study, a loan is money that must be repaid. You, the student borrower, are legally obligated to repay your loans so we encourage you to fully read and understand the terms and conditions before accepting a loan. Please note: You must repay your loans even if you do not complete your program.

The minimum requirements for obtaining a federal loan are a completed FAFSA application, admission into a degree-seeking program, and at least half-time enrollment. At MLH, we encourage students to make informed decisions when taking out a student loan. Only borrow the amount of funds that you need to successfully complete your education.

Federal Loans to Parents

If a dependent student needs funds to meet their estimated cost of attendance, parents can request a Parent Plus Loan to cover remaining educational expenses. Parents must contact MLH to find out about how to apply for a Parent Plus Loan.

A loan is money that must be repaid. You, the parent, are legally obligated to repay your loans so we encourage parents to fully read and understand the terms and conditions before accepting a loan. Please note: You are responsible to repay your parent loans even if your student does not complete their program.

Master Promissory Note

A valid Master Promissory Note (MPN) needs to be established before any Federal loans are disbursed to the student’s account. As defined by the USDE, the MPN is a “legal document in which you promise to repay your loan(s), any accrued interest and fees to the USDE. It also explains the terms and conditions of your loan(s).

It is important to understand that Direct LoansSM are just that: loans. It’s highly important these loans be paid back after graduation. MLH encourages each student to visit the United States Department of Education (USDE) website at to complete the MPN and Entrance/Exit counseling sessions. The U.S. Department of Education further advises the MPN must be signed in one session and take 30 minutes to complete.

Initial Loan Counseling for Student Borrowers

Federal regulations mandate that all Direct Loan borrowers receive Entrance Counseling before their loan can be processed. This requirement can be fulfilled by either completing the entrance counseling on the VFAO website, or by doing the on-line counseling available on the Direct Loan website at Failure to attend an entrance counseling session or perform the on-line counseling will result in the cancelation of the loan. The student will be responsible for the outstanding tuition balance.

Per the DOE website:
Entrance Counseling will walk you through the Direct Loan process and explain your rights and responsibilities as a borrower. All first time Direct Loan borrowers must complete entrance counseling before their loans can be disbursed.
In this process, you will learn about the following:

1. Direct LoansSM
2. Managing your educational expenses
3. Other financial resources to consider that may help pay for your education
4. Your rights and responsibilities as a borrower
Subsidized and Unsubsidized

There are two main types of Stafford Direct LoansSM: subsidized and unsubsidized. A student with a subsidized loan will not have interest accrued on their borrowing until the expiration of the six-month grace period. The grace period for student loans starts after successful completion or discontinuation of the MLH program. Students obtaining unsubsidized loans will have the interest accrued on the borrowings during the educational and grace period. Students of unsubsidized loans have the option of paying any accrued interest while attending MLH.

Grace Periods

Grace periods vary between each type of loan. All loan grace periods start after a student graduates or leaves MLH for any reason. The allotted amount of time as a grace period for Federal Stafford Direct LoansSM is six months. PLUS loan borrowers are subject to repayment the date of full disbursement. The first payment on PLUS loans is due within 60 days after the final disbursement. However, a parent PLUS borrower who is a student themselves can defer repayment while still enrolled at least half-time at a qualified school. Also, for PLUS loan disbursements made after July 1, 2008, the borrower can defer for an additional six months after the borrower is no longer enrolled at least half-time. Any accrued interest not paid by the borrower during deferment will be capitalized with the loan.


The DOE wants all students to be aware that all Direct LoansSM are real loans, and need to be repaid. They are just as real as car loans or mortgages. Everyone borrowing Federal student loans is expected to make their loan payments in full and on time, according to their repayment schedule. Failure to do so will result in default. It is important to note the student has an obligation to repay the full amount of the loan. This is true whether or not the student completed the program, is unable to find employment upon completion, is dissatisfied with the course, or does not receive the educational or other services purchased from MLH.

The DOE’s Entrance Counseling Guide for Direct Loan Borrowers provides sample student budgets and repayment schedules.

Repayment Plans and Other Options

Depending on which repayment plan is used, each student has generally 10 to 25 years to repay their student loans. The student has different options available to repay their student loans upon their due date.

The website from the DOE has an estimated repayment calculator for student to use. Questions about repaying Direct LoansSM should be directed to the loan servicer. Information regarding the loan servicer is available at

Common repayment plans:

Standard repayment – This option allows the student to pay a fixed amount until all of the student loans are paid in full. The minimum monthly payment will be $50.00, and are allowed up to 10 years to repay the loan.

Since the loans are to be paid in the shortest period of time, the monthly payment under the standard plan may be higher than with other options. However, since a ten-year time frame is used, the student may also pay the least amount of interest.

Extended repayment – An extended repayment plan allows for a fixed annual or graduated repayment amount for no more than 25 years. Qualified students must have more than $30,000 outstanding in Direct LoansSM. This plan is beneficial to students in need of a lower monthly payment. While the monthly loan payments will be lower, the interest has a longer period of time to accumulate. Thus, the student will ultimately pay more under this option.

Graduated repayment – This plan starts payments out low and increases them every two years with a repayment period of ten years. This payment plan is ideal for students who expect their income to rise steadily over time. The monthly payment will not be less than the amount of interest that accrues between payments. While the monthly payments will increase over time, no single payment will be greater than three times that of any other.

Income Contingent Repayment (ICR) – This plan is for borrowers of Direct LoansSM only. This provides the most flexibility for Direct LoanSM repayment without causing financial difficulties. Every year, the monthly loan payment is calculated on the basis of the student’s Adjusted Gross Income (AGI, plus the spouse’s income for married couples), family size, and the total amount of the Direct LoansSM. The ICR plan will allow your monthly loan payment to be the lesser of:

1. The amount paid if repaid in 12 years multiplied by an income percentage factor which varies with the annual income, or
2. 20 percent of the student’s monthly discretionary income.
The unpaid portion of accumulated loan interest will be capitalized (added to the loan principle) once each year, if the student’s payments do not cover it. Capitalization of interest will not exceed 10 percent of the original amount due when the student entered the repayment period. Interest will continue to accumulate, but no longer be capitalized.

In an ICR plan, 25 years is the maximum repayment period. If the loans have not been fully repaid under this plan, the unpaid portion will be discharged. Time spent in deferment or forbearance does not apply. However, the student may have to pay taxes on the discharged amount.

The DOE provides more information on Income Based Repayment on the IBR Fact Sheet.
More information on repayment options can be found in the publication Funding Education Beyond High School: The Guide to Federal Student Aid. A copy of this publication is available in the main office or on the on-line at the DOE website.

Electronic Payments

Some student may be eligible for a reduction in interest rate by enrolling in electronic debiting. Along with receiving a student loan statement electronically, a student can make a loan payment on-line or opt for recurring loan payments through electronic debit. The student’s bank can make an automatic debit from a checking or savings account. These payments are sent to the loan holder for processing.

There are advantages in using an electronic debit system. It’s convenient and efficient, payments will always be on time, and there is no need to remember to mail a monthly check. To sign up for electronic debit, please contact your loan servicer.

Payment Difficulties

  • If the student finds it difficult to repay their student loans, they are strongly encouraged to contact their loan servicer as soon as possible. The loan servicer will help determine the best course of action regarding the loan repayment. Option available are:
  • Modifying/Changing repayment plans.
    Requesting a deferment, provided certain requirements are met. Deferments allow the student to temporarily stop making loan payments.
  • If eligibility requirements for a deferment are not met, the student may request a forbearance. In certain situations, a forbearance allows a student to temporarily stop making payments on the loan, temporarily make them smaller, or extend the time available for repayment.

If no action is made to rectify the problem of non-payment, then the student loan could go into default. This creates serious consequences.


For Federal Financial Aid purposes, default means the failure to make payments on student loans according to the terms of the MPN. The MPN is considered a binding legal document authorized at the time of loan. MLH, the financial institution that made or owns the loan, the loan guarantor, and Federal government have the authority to take action to recover any money owed. Some consequence of default include:

  • National credit bureaus can be notified of your default, which will harm your credit rating. In the future, this will make it more difficult to buy a car or house.
  • The student will be ineligible for additional Federal Student Aid, if there is any decision to return to school.
  • Loan payments can be deducted from your paycheck.
  • State and Federal income tax refunds can be withheld and applied toward the amount owed.
  • Late fees and collection costs will be assessed on top of what is owed.
  • The student can face legal action.

If a student loan is in default, more information is available at the Department of Education’s Default Resolution Group website.

Loan Forgiveness for Public Service Employees

Students employed in a public service job may have the balance of the loans forgiven, if 120 on-time monthly payments are made under certain repayment plans after October 1, 2007. Eligible students must be a full-time public service employee during the same period of time the qualified payments are made and at the time of cancellation. The amount forgiven is the remaining outstanding balance of accrued interest and principal on certain Direct LoansSM that are not in default. The information at Public Service Loan Forgiveness provides more detail on the subject.


In certain situations, students can consolidate their loans after graduation. The DOE provides more information on loan consolidation here.

Exit Counseling for Student Borrowers

Exit Counseling must also be completed before the student can receive a course completion certificate. The Exit Counseling can also be done on-line at Be sure to keep all of the entrance and exit counseling information, as this material will be needed when repayment begins.

The student is obligated to repay the full amount of the loan regardless of whether the borrower completes the Professional Pilot Program, is unable to obtain employment upon completion, is dissatisfied with the program, did not receive the educational (or other) services purchased from the MLH.

The National Student Loan Data System (NSLDS)

The DOE establish the NSLDS as a central database for student aid. This central database receives from several different areas (i.e. schools, guaranty agencies, the Direct Loan program, and other Department of ED programs). This comprehensive view of the Title IV loans and grants is accessible by students, and provided for inquiry of account data.

Phone: 800.4.FED.AID (800.433.3243)
800.730.8913 (TDD)

The hours of operation are from 8AM to Midnight (EST), Monday through Friday, and 9AM to 6PM (EST) on Saturdays.
Contacting the Ombudsman’s Office

If a student is in need of help with disputes over their Direct LoansSM, they can contact the Federal Student Aid Ombudsman of the Department of Education.

Per the Federal Ombudsman’s website:
An ombudsman resolves disputes from a neutral, independent viewpoint. The Federal Student Aid (FSA) Ombudsman will informally conduct impartial fact-finding about your complaints. We will recommend solutions, but we don’t have the authority to reverse decisions. We will also work to bring about changes that will help prevent future problems for other student loan borrowers. This free service is provided by the US Department of Education.

The Ombudsman will research your problem and determine whether you have been treated fairly. If your student loan complaint is justified, we will work with you and the office, agency, or company involved in the problem. On your behalf, we will contact other offices within the U.S. Department of Education, your private lender, your loan guaranty agency, and the servicing agency or firm collecting your loan.

If your complaint is not justified, we will take the time to explain to you how we reached this conclusion.

The Ombudsman is not an advocate or someone who will automatically take your side in a complaint. We must consider all sides in an impartial and objective way. It’s the Ombudsman’s job to help develop fair solutions to complex and difficult problems.

Mailing Address: U.S. Department of Education
FSA Ombudsman
830 First Street, NE
Fourth Floor
Washington, DC 20202-5144

Phone Number: 877.557.2575
Fax Number: 202.275.0549
Institutional Code of Conduct for Education Loans

Ethical considerations regarding student financial are important to the College. There are no revenue-sharing arrangements with any lender of any kind. The act of receiving gifts from a lender, a guarantor, or loan servicer is prohibited. There will be no contract arrangements providing financial benefit from any lender of affiliates of a lender. Loan certifications will not be delayed or refused, and the College prohibits the directing of borrowers to particular lenders. No funds will be offered as private loans. There is no financial aid assistance to call center or financial aid office staff.

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