Debt-to-Earnings and Disclosure

Starting July 1, 2026, the ED will implement the Financial Value Transparency (FVT) framework. Programs that fail debt-to-earnings benchmarks must provide mandatory "warning labels" to students before they can enroll. To reduce compliance risk in higher ed, Christian colleges must audit the marketing of their lowest-earning programs now. SKG helps you transition your recruitment language from "general outcomes" to FVT-compliant disclosures to protect donor trust.

Source: 34 C.F.R. § 668.403, Financial Value Transparency and Gainful Employment.