Ivy Enber Christian University clearly and proactively informs, through its institutional catalog and enrollment materials, that it does not participate in any United States federal financial aid programs (Federal Student Aid), including FAFSA, Pell Grants, Direct Loans, or any other form of government funding. The institution also does not offer institutional student loans nor finance tuition through student credit programs.

Students are advised that any financial resources used on their own initiative—including bank loans, private financing, personal credit, or agreements with third parties—are the sole responsibility of the student. There is no institutional involvement, guarantee, endorsement, or co-obligation by Ivy Enber Christian University regarding the payment, renegotiation, or fulfillment of such obligations.

All financial documentation provided prior to admission includes:

• an explicit statement that the institution does not offer government financial aid;

• clarification that there are no student loans subsidized or supported by the university;

• indication that any external financing is independent and does not involve Ivy Enber Christian University;

• guidance advising students to carefully assess their financial capacity prior to enrollment.

This information is presented to students before the execution of any enrollment agreement, fully complying with requirements related to ethical and transparent consumer practices.