Catalog Version II. Effective date: March 31, 2015

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1 Catalog 2015 Version II. Effective date: March 31, 2015 Pioneers in Education Since 1891 A Private Co-educational Career College Incorporated under the laws of Minnesota Owned and Operated by: James R. Gessner Terry L. Myhre President Vice President Treasurer Corporate Officers: James R. Gessner Terry L. Myhre Bonnie L. Kupczynski President Vice President Treasurer Secretary Ownership and Governance The Duluth Business University, Inc. (DBU) is private, postsecondary school incorporated in the state of Minnesota. DBU is owned by James R. Gessner and Terry L. Myhre. The Board of Directors consists of James Gessner, President. Terry L. Myhre, Vice President and Treasurer and Bonnie Kupczynski, Secretary. Main Fax Mike Colalillo Drive, Duluth MN

2 TABLE OF CONTENTS Duluth Business University Accreditation... 3 Admissions... 4 Financial Planning... 8 Officers, Administration and Faculty Calendar General Education Requirements Academic Programs Business Management B.S Health Care Management B.S Human Services Management B.S Administrative Assistant Business Administration EKG Technician Human Services Medical Assistant Medical Billing & Coding Medical Massage Therapy Massage Therapy Phlebotomy Veterinary Technology Course Descriptions Academics General Information Student Services Tuition Rates Gainful Employment Information Index

3 General Catalog 2015 Accreditation DBU is accredited by the Accrediting Council for Independent Colleges and Schools (ACICS) to award Diplomas, Associate in Applied Science Degrees, and Bachelor of Science Degrees. The Accrediting Council for Independent Colleges and Schools is listed as a nationally recognized accrediting agency by the United States Department of Education and is recognized by the Council for Higher Education Accreditation. Accrediting Council for Independent Colleges and Schools (ACICS) 750 First Street NE Suite 980 Washington, DC (202) The Medical Assistant program is accredited by the Commission of Accreditation of Allied Health Education Programs (CAAHEP), on recommendation of the Curriculum Review Board of the American Association of Medical Assistants Endowment (AAMAE). CAAHEP 1361 Park Street Clearwater, FL (727) The Veterinary Technology program is accredited by the AVMA Committee on Veterinary Technician Education and Activities (CVTEA). *Approvals Most courses are approved for veteran training by the Minnesota State Approving Agency for veterans education. Minnesota State Scholarship and Grant-in-Aid Program Job Training Partnership Act (JTPA) State of Minnesota Vocational Rehabilitation Training U.S. Department of Justice for non-immigrant alien students Minnesota Chippewa Tribe Red Lake Band of Chippewa Indians Bureau of Indian Affairs Registration Duluth Business University is registered as a private institution with the Minnesota Office of Higher Education pursuant to section 136A.61 to 136A.71. Registration is not an endorsement of the institution. Credits earned at the institution may not transfer to all other institutions. Memberships National Association of Health Career Schools Association of Private Sector Colleges and Universities Duluth Chamber of Commerce Minnesota Career College Association American Association of Collegiate Registrars and Admissions Officers National Association of Colleges and Employers American Massage Therapy Association American Association of Medical Assistants American Veterinary Medical Association National Healthcare Association American Advertising Federation * Evidence of the institution's accreditation, approvals, and registration is on display at the school. 3

4 ADMISSIONS Duluth Business University Admission Requirements The Duluth Business University admits as regular students those persons having a certificate of graduation from a school providing secondary education or the recognized equivalent of such a certificate (GED) and who also meet program admission standards. Applicants who do not meet either of the above requirements but who desire additional education may apply to take individual classes that will not lead to the awarding of a diploma or degree. Regular admission to DBU may be granted based on a prospective student s meeting of one of the following criteria: Completing a pre-enrollment Accuplacer exam. A minimum score of 40 must be achieved on the Reading section of the exam for admission to DBU. Providing documentation of a bachelor s degree granted by an approved institution as described in the Advanced Standing and Transfer of Credit section of this catalog. Providing documentation of a minimum composite score of 21 on the ACT. Providing documentation of a minimum composite SAT score of If SAT was taken prior to March 2006, providing documentation of a minimum composite SAT score of 990. If a student took the CPAT exam through DBU in the past, entrance scores will be honored according to the requirements listed in the catalog at the time of past enrollment. The student may be required to take the Accuplacer exam to determine appropriate placement in foundation classes. Students may receive credit for Fundamental Communications if they achieve a score of 70 or better on the Sentence Skills section of the Accuplacer placement exam. Students who achieve a scaled score of at least 52 on the Arithmetic section of the exam will be given credit for Fundamental Mathematics. Students may also receive credit for Fundamental Communications and Fundamental Mathematics if they meet any of the following criteria: A bachelor s degree granted by an accredited institution; a minimum composite score of 21 on the ACT; a minimum composite score of 1485 on the SAT or a minimum composite score of 990 on the SAT if it was taken before March The Accuplacer exam may be taken at the DBU campus or offsite. Accuplacer exams taken offsite must be proctored by an approved proctor who will receive the appropriate password for entering the exam after approval by the DBU Registrar or Associate Director. The tester must present the proctor with photo identification before being allowed to take the exam. Students enrolled in the Medical Assistant Program must receive their first Hepatitis B vaccinations before beginning their internships. Although it is not advised, students may waive this requirement by signing a declination form. Effective July 1990, the Minnesota College Immunization Law requires students born on or after January 1, 1957, who wish to enroll in any public or private post-secondary educational institution to submit to the school a statement that they have received the appropriate immunizations against measles, rubella, mumps, and against diphtheria and tetanus within ten years of application and enrollment at the institution. High School Advantage Program If you are a high school student you are eligible to take one course, free of tuition charges, per quarter beginning the summer quarter after your junior year. You may take up to four courses free of tuition. This program is offered to seniors with a cumulative grade point average of 2.0 or higher. A student who withdraws or fails a course while in the High School Advantage program must successfully appeal in writing to the Associate Director for continued enrollment under this program. 4

5 General Catalog 2015 Admission Procedures Written inquiries regarding enrollment at the Duluth Business University should be addressed to the Duluth Business University Recruitment Office, 4724 Mike Colalillo Drive, Duluth, Minnesota, Applicants may also call (218) or (800) or send an message to The prospective student should plan a personal interview with one of our Educational Recruiters. The interview will provide an opportunity for the student to discuss his/her interests and to become fully acquainted with the courses offered. The prospective student must complete the application form and return it with the registration fee in advance of the selected starting date. Class starting dates are shown on the calendar. All applicants must provide a high school transcript or its equivalent. All applicants must complete an online orientation class. Program Specific Requirements Massage Therapy Program The technical instructor of the AAS Medical Massage Therapy and Massage Therapy Diploma programs at DBU requires that students meet or exceed the following qualifications of study specific to massage therapy technique courses. In order to obtain and develop technical skills and achieve satisfactory completion of either massage therapy program; students must be able to fully perform and receive massage and adjunctive applications without posing health or safety risks to themselves, their classmates, or clients. A student must have the ability to use both hands, single digits, forearms, and elbows to apply massage techniques and adjunctive therapies including kneading, gliding, compressing, grasping, pushing, putting, shaking, lifting, rubbing, holding, stretching, tapping and twisting tissue at various frequencies and pressure over the full range of the body. The student must also be able to maintain proper body mechanics including foot placement, leaning, leveraging body weight, supported digits, and safety practices for up to one hour without interruption. It is advisable for massage therapy applicants and students to regularly review their health histories and massage criteria with their primary health care providers to establish any risks in performing receiving massage-type applications. Completed criminal background check approved by the Program Department Head Medical Assistant Program It is the policy of the Medical Assistant Program that students meet the following criteria to perform clinical work while enrolled in the program: 1. Successful completion of all programmatic requirements and core courses. 2. Completed DHS study with approval to provide direct contact services. 3. Completed criminal background check approved by the Program Department Head. 4. Clinical documentation of: a. Two MMR s after first birthday or titer b. Initiation or completion of a hepatitis B series or titer c. Current Tdap d. Negative mantoux within the past 9 months (two step mantoux may be required) 5. Successful completion of an orientation presented by the Medical Assistant Department Head Human Services Program Students enrolling in the Human Services program will also need to go through a background check, as it is a requirement for most internship sites and, in many cases, for future employment. Again, the results of the background check could prohibit you from being placed on an internship, preventing you from completing the program. Failure to pass a background check will result in dismissal from the program. 5

6 Late Admissions Duluth Business University Students may not enter a class later than the start of the third day of training. Applications received after the third day of training will be retained on a reserve status for the next start date. International Students An international student applying to a diploma, certificate, associate degree, or bachelor s degree program must comply with one of the following: Present an official copy of the Test of English as a Foreign Language (TO EFL) report with a minimum score of 500 (paper), 173 (computer), or 61 (Internet). Achieve a minimum Accuplacer score as required of all entering students. Financial Assistance Some international students may be eligible for Title IV student aid programs. A student must be one of the following to be eligible: U.S. Citizen or national (American Samoa or Swain s Island)* Legal permanent resident of the United States Eligible non-citizen in one of the following categories: - A conditional permanent resident with an I-551 C - A non-citizen with an I-94 stamped Refugee, Asylum Granted, Indefinite Parole, Humanitarian Parole, or Cuban Haitian entrant *The student must provide USCIS documents to the financial aid department. A student who is not in one of the above categories must have one of the following documents from the United States Citizenship and Immigration Service (USCIS), an agency within the Department of Homeland Security (DHS): I-94 Arrival-Departure Record with an appropriate endorsement Official documentation that the student has been granted asylum in the United States Other proof from USCIS that the student is in the United States for other than a temporary purpose A student who is in one of those three categories should check with the financial aid administrator, who can advise the student of eligibility. International Student Deposit and Cancellation Policy A non-refundable deposit in the amount of $200 U.S. must be received by the institution before an I-20 document will be issued. The deposit will be applied to the student s first quarter tuition. This deposit is refundable only if the student s visa application is denied. 6

7 General Catalog 2015 International Student Refund Policy When an international student withdraws or is terminated from the school at any time during his/her first quarter of attendance, the student s first quarter tuition will be retained in full by the school and will not be refunded. Beginning with an international student s second quarter of enrollment, when the international student withdraws or is terminated from school before completing 60 percent of the quarter, the amount charged for tuition and fees is prorated based on the percentage of the quarter completed by the student at the time of withdrawal or termination compared to the total length of the quarter. When an international student withdraws from or is terminated from school at or after 60 percent completion of the quarter, the student will be charged 100 percent of the quarter s tuition and fees. The percentage of the quarter completed by the international student is determined by the last date of attendance. Refunds of Title IV funding for any international student who is eligible for and receiving Title IV funds shall be calculated in the same manner as for non-international students, regardless of the quarter in which the international student is enrolled. Class Schedules Classes are scheduled between the hours of 8:00 a.m. and 6:00 p.m. Monday through Thursday. Every effort is made to arrange student class schedules so they won't conflict with personal or employment commitments; however, the school has the right to schedule the students' class hours within the limitations of its facilities and overall enrollment. Due to holidays, orientation, and test days, the actual hours may vary. Programs and Classes The school reserves the right at any time to make changes to improve the quality or content of the programs of study offered. The school reserves the right to cancel any classes or programs where enrollment is under fifteen students. 7

8 FINANCIAL PLANNING Duluth Business University The school is an eligible institution approved by the Department of Education for participation in the following programs: Federal Pell Grants Federal Supplemental Educational Opportunity Grants (SEOG) Direct Student Loans Direct PLUS Program Federal College Work Study Program (FWS) The school is an eligible institution approved by the State of Minnesota for the following programs: Minnesota State Grant Minnesota College Work Study Program Minnesota SELF Loan Program Minnesota Military Program Additional funds may be available through: Department of Rehabilitation Services (DRS) Minnesota Indian Scholarship Program (MISP) Northeastern Minnesota Office of Job Training (NEMOJT) Veterans' Administration (VA) Other scholarships include: 1. Imagine America Adult Skills Education Program 2. Imagine America Military Scholarship The Imagine America scholarship will be credited to the students account during their final quarter prior to their graduation. Students must successfully complete all program requirements necessary to graduate. Outside resources must be reported to the Financial Aid Office. The Financial Aid Office is not responsible for locating these funds. Separate applications may be required. Students should refer to Funding Your Education Beyond High School printed by the U.S. Department of Education for more detail on individual aid programs. This guide is available online. Financial aid is granted on the basis of financial need as determined by the Pell Grant Formula and the Congressional Methodology established by the U.S. Department of Education. All federal grants, loans, the Minnesota Grant Program, and the Minnesota College Work Study Program require submission of a Free Application for Federal Student Aid (FAFSA) for need analysis. Campus-based funds, such as SEOG and the College Work Study Award, are awarded to eligible students on a first-come, first-serve basis until funds are exhausted. Students wishing to receive financial assistance must: 1. Be a U.S. citizen or eligible non-citizen. 2. Have a high school diploma or G.E.D. 3. Demonstrate need. 4. Be enrolled at least half time and making satisfactory progress toward completion of an eligible course of study. 5. Sign a statement of educational purpose and a certification statement on over-payment or default. 6. Register with the Selective Service if required. Financial aid applications for the school year should be made as soon as possible after January 1 of that year. Grants are awarded on an annual year basis with the start of the financial aid year being July 1 and ending on June 30. Any student attending classes in more than one financial aid year must reapply for financial aid. They must continue to remain an eligible student as set forth when they originally applied. Grant payments are made on a quarterly basis, as soon as the money arrives at the school from the proper agency; the dollar amount of the student's award will be credited to the student's account each quarter the student is eligible. All new and re-entry students must wait 30 days before receiving the first disbursements of their loans. 8

9 General Catalog 2015 Those students participating in the College Work Study Program will be paid by their employer according to the employer's payroll schedule as money is earned. Earnings may not exceed the College Work Study Award. Grade Levels For financial aid purposes, the following definitions apply: Full-time student: 12 or more credits per quarter Three quarter-time student: 9-11 credits per quarter Half-time student: 6-8 credits per quarter An academic year consists of 9 months or 3 quarters. Students attending DBU should consider themselves having advanced beyond freshman grade level upon successful completion of 36 credits of training. Each additional 36 credits of successful training would represent advancement beyond the next grade level. Any requests for review of financial aid decisions may be made in writing to the attention of the Campus Director of the school. The student's request will be reviewed by the Campus Director and the Financial Aid Advisor. The student will be notified of a final decision within ten business days. For details on how the information you report is used to calculate an award, make an appointment with our Financial Aid Advisor during normal office hours. Federal regulation also requires that all students who utilize the direct loan program to help cover their education costs must attend an entrance interview before proceeds from the loan can be disbursed and an exit interview before they graduate or withdraw. (Students cannot receive a degree/diploma or transcript without attending the exit interview.) At this time, students will be instructed about their Rights and Responsibilities in regard to their loans. They will be counseled on total indebtedness, alternative payment plans, deferments, and the consequences of loan default. Verification Policy Thirty percent of students applying for financial aid are selected for the verification process. When this occurs, students are required to provide documentation to prove the information in their ISIR/Student Aid Report. At this point, it is the responsibility of the Financial Aid Advisor to verify the documentation provided with the information in the SAR. If there are discrepancies, the Financial Aid Advisor will adjust the information in the ISIR to match the supporting documentation. When documentation is required, if a Pell recipient, the student must supply this information within 120 days after enrollment. If student is eligible for campus-based funds or loans, the student must submit this information two weeks from when the documents are requested. Failure to meet these deadlines may result in the student owing cash payments for the tuition, books, and lab fees billed to the student. Financial aid will not be disbursed until the verification is complete. The student will be notified by an ISIR/SAR as to what the changes were and what effect they had on the student s financial aid. This notification will get to the student within a two week period after the changes are made. LOANS MUST BE PAID BACK. If you do not, you will go into default. If you do default on your federal direct student loan, the federal government can sue you to collect the loan, and they may require you to repay the entire amount immediately. Credit bureaus will be notified of your default, and this may affect your future credit rating. Also, the federal government may withhold your income tax refund, garnish wages, repossess your property and use the proceeds to pay your loan. Monthly Payment Amount Estimate Total Loan Balance Interest Rate $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $50, % $50 $94 $141 $181 $235 $283 $ % $56 $111 $167 $222 $278 $333 $ % $58 $115 $173 $230 $288 $345 $ % $62 $124 $186 $248 $310 $372 $620 Assumes a 10 year repayment term (120 payments total) Source https://www.mygreatlakes.org/mglstatic/guaranty/forms/exit_counseling_form.pdf 9

10 Student Rights Duluth Business University You have the right to ask a school: The names of its accrediting and licensing organizations. About the school s programs, the instructional, laboratory, and other physical facilities, and its faculty. What the cost of attending is and what its policy is on refunds to students who drop out. What financial assistance is available, including information on all Federal, State, local, private, and institutional financial aid programs. What the procedures and deadlines are for submitting applications for each available financial aid program. How it selects financial aid recipients. How it determines your financial need. This process includes how costs for tuition and fees, room and board, travel, books and supplies, and personal and miscellaneous expenses are considered in your cost of education. It also includes the resources considered in calculating your need (such as parental contributions, other financial aid, assets, etc.). How much of your financial need, as determined by the school, has been met. How and when you'll be paid. To explain each type and amount of assistance in your financial aid package. Borrower Rights When you take out a loan, you sign a promissory note, agreeing to repay. The promissory note is a legally binding document. You must be given a copy of this note when you sign. The original note must be returned to you when the loan is paid in full. You have the right to a "grace period" before your repayment period begins, if your loan provides for one. The grace period starts when you leave school or drop below half-time status. The exact length of your grace period is shown on your promissory note. You must be given a list of deferment conditions and the conditions under which the Department of Defense will repay your loan. If you have a Stafford Loan, Subsidized or Unsubsidized, your loan proceeds must be made payable to you or to both you and your school. Before your school gives you your first loan disbursement, your school/lender must also give you the following information about your loan: a. The full amount of the loan, the interest rate, and when you must start repaying. b. The effect borrowing will have on your eligibility for other types of financial aid. c. A complete list of any charges to the borrower (loan fees), and information on how those charges are collected. d. The yearly and total amounts you can borrow, and the maximum and minimum repayment periods. e. A current description of loans you owe your school and/or lender, an estimate of what your total debt will be, and what your monthly payments will be. f. An explanation of default and its consequences. One of those consequences will be that your default will be reported to a credit bureau. This may harm your credit rating. g. An explanation of refinancing and consolidation options, and of your option to repay your loan at anytime without penalty. Before your repayment period begins, your school/lender must tell you the amount of your total debt (principal and interest), what your interest rate is, and the total interest charges on your loan. The name of your lender, where to send your payments, and where to write if you have questions about your loan. 10

11 General Catalog 2015 What fees you should expect during the repayment period, and your prepayment, refinancing, and consolidation options. You must also be given a loan repayment schedule, which lets you know when your first payment is due, and the number, frequency and amount of all payments. If you have a Subsidized Loan (GSL), you have a right to Federal interest benefits if you qualify. This means the Federal Government will pay the interest on your loan until your repayment period begins and will also pay it during authorized deferment periods. (If you don't qualify for Federal interest benefits, you must arrange with the lender to pay the interest on your Stafford Loan.) If you have a Stafford Loan, Subsidized or Unsubsidized, or PLUS, and the lender sells the loan or transfers the right to receive payments, you must be notified. Borrower Responsibilities If you want a Stafford Loan, Subsidized or Unsubsidized, or a Plus Loan, you must notify the Financial Aid Advisor. You must notify the school if you: Graduate, withdraw from school, or drop below half-time status. Transfer to another school. Change your name, address, or telephone number. If your loan is a Stafford Loan, Subsidized or Unsubsidized, or PLUS loan, you (or your parent, if the loan is a PLUS) must notify the lender if you fail to enroll in school for the period for which the loan was intended. You must repay the loan according to the repayment schedule your school/lender will give you. You must make payments on your loan even if you don't receive a bill. Billing statements (or coupon books) are sent as a convenience to the borrower, but not receiving them doesn't relieve you of your obligation to make payments. Always include your Social Security Number on all correspondence to your lender (including your payment checks). You must notify your school/lender of anything that affects your ability to repay the loan or your eligibility for deferment or cancellation. You must attend an entrance interview before loans can be disbursed. Remember, your loan money can be used only for tuition and other related education expenses. Before you leave school, you must attend an exit interview. Cancellation and Refund Policy Official notification to the institution is defined as occurring when a student notifies, in written format, an office of the institution of his or her intent to withdraw. This official notification must be directed to the Associate Director or the Registrar. If notification is not given, attendance will be reviewed daily, and after two weeks of non-attendance the student will be dropped. Any student who enrolls in a program of study will receive written notice of acceptance or rejection. Any student not accepted for training will be refunded all tuition, fees, and other charges which have been paid. a. Notwithstanding anything to the contrary, when written notice of cancellation is given within five (5) business days after the day on which the student is accepted by the school, regardless of whether the course has started, all tuition, fees and other charges will be refunded. b. When written notice of cancellation is given following the fifth business day after the date of acceptance by the school, all tuition, fees and other charges will be refunded except 15 percent of the total cost of the course but not to exceed $50. 11

12 Duluth Business University c. A refund policy determines the amount of institutional charges that the school has earned and not earned based on the date the student ceases attendance when written notice of cancellation or withdrawal is given to the school. When written notice of cancellation or withdrawal is given after the start of the quarter, but before completion of 60 percent of the quarter, the amount charged for tuition, fees, and all other charges for the completed portion of the course shall not exceed the prorated portion of the total charges for tuition, fees, and all other charges for the length the completed portion of the term bears to its total length at the time of notification. Refund distribution of state aid is done on a proportional basis. d. Any student who enrolls in a course may request a copy of the current list of textbooks and prices. Any student who returns unused and unmarked books within ten (10) business days following enrollment cancellation will receive a full refund for said books. The cost of unreturned books or books not suitable for resale may be added to the cost of tuition and deducted from the tuition refund. e. The Duluth Business University will acknowledge in writing any valid notice of cancellation within ten (10) business days after the receipt of such notice and within thirty (30) business days will refund to the student any amounts due him and cancel any tuition or fees in excess of that due under the Return of Title IV Funds Policy. f. The reason for a student s cancellation or withdrawal does not affect how the cancellation and refund policy is applied. g. Written notice of cancellation or withdrawal will take place on the date the letter is postmarked, or in the case where the notice is hand carried, it shall occur on the date the notice is delivered to the school. h. If no written notice of cancellation or withdrawal is given, the date of withdrawal shall be the last day of attendance after two weeks of not attending. i. The date of acceptance will be the delivery date of the notice of acceptance, and if delivered by mail, it will be the postmarked date of the letter of acceptance. j. This school does not negotiate promissory notes or instruments received as payments of tuition or other charges. k. Continuing students giving written notice of cancellation after the beginning of the quarter of instruction but before completing 60% of the quarter will receive a pro rata refund of all tuition and fees plus 25% of the cost of the course not to exceed $100. After 60% of the quarter is completed no refund will be given. l. Students enrolled in MED 211 where lab fees are collected to pay for certification exams may request a refund of those fees if they do not elect to sit for their exam upon graduation. Minimum Terms for Tuition Payments For those students who are not eligible or who do not wish to participate in any of the financial aid programs available from the U.S. Department of Education, tuition must be paid in advance. Quarterly tuition is due and payable on or before the first day of each quarter. A student whose financial aid is insufficient to cover the total cost of fees, tuition and books will be invoiced for the outstanding balance. The invoices will be sent via student . The invoices must be paid in full within five (5) days of the invoice or a satisfactory payment plan must be established. Students whose accounts are more than ten (10) days past due will be blocked from class attendance until satisfactory arrangements are made to bring their accounts to current status. Students who fail to fulfill the financial arrangements agreed upon will be suspended from school and may re-enter only upon full payment of the delinquent portion of their account. Current tuition rates will be charged for training repeated, for any reason, to complete the program. 12

13 General Catalog 2015 The Return of Title IV Funds The Return to Title IV Funds Policy applies to any student who receives Title IV funding and withdraws. The withdrawal process is defined as occurring when a student notifies, in written or oral form, the Education Office of his or her intent to withdraw. The Return to Title IV formula determines the amount of Title IV funds a student has earned at the time the student withdraws from school and the amount of Title IV funds a student must return. The amount of Title IV funds earned by a student is based on the amount of time spent in attendance by the student for that term. The amount of Title IV funds a student earns is a proportional calculation based on the amount of time the student attends school through 60 percent of the quarter. If a student ceases to attend school after 60 percent of the quarter, the student earns 100 percent of the Title IV funds. If the amount of Title IV grant or loan funds disbursed is greater than the amount a student earned, unearned funds must be returned. If the amount the student was disbursed is less than the amount the student earned, the student is eligible to receive a post-withdrawal disbursement in the amount of the earned aid not received but otherwise eligible. If it is determined that unearned Title IV funds must be returned, the responsibility is allocated between the school and the student. The responsibility as to who will return the unearned Title IV funds is determined according to the portion of the Title IV aid that could have been directly disbursed to the student once institutional charges were covered. Return of Title IV Funds Distribution Policy Return of Title IV funds will be distributed in the following order: 1. Unsubsidized Federal Stafford Loans or Unsubsidized Federal Direct Stafford Loans. 2. Subsidized Federal Stafford Loans or Subsidized Federal Direct Stafford Loans. 3. Federal PLUS Loans or Federal Direct PLUS Loans 4. Federal Pell Grant 5. Federal SEOG 6. Other Title IV grant or loan assistance. The Return of Minnesota State Grants The Return to Minnesota State Grant applies to any student who receives Minnesota State Grant and withdraws. The withdrawal process is defined as occurring when a student notifies, in written or oral form, the Education Office of his or her intent to withdraw. The Return to Title IV formula determines the amount of Title IV and Minnesota State Grant funds a student has earned at the time the student withdraws from school and the amount of Title IV and Minnesota State Grant funds a student must return. The amount of Title IV and Minnesota State Grant funds earned by a student is based on the amount of time spent in attendance by the student for that term. The amount of Title IV and Minnesota State Grant funds a student earns is a proportional calculation based on the amount of time the student attends school through 60 percent of the quarter. If a student ceases to attend school after 60 percent of the quarter, the student earns 100 percent of the Title IV funds and Minnesota State Grant. If the amount of Title IV grant, loan and Minnesota State Grant funds disbursed is greater than the amount a student earned, unearned funds must be returned. If the amount the student was disbursed is less than the amount the student earned, the student is eligible to receive a post-withdrawal disbursement in the amount of the earned aid not received but otherwise eligible. If it is determined that unearned Title IV and Minnesota State Grant funds must be returned, the responsibility is allocated between the school and the student. The responsibility as to who will return the unearned Title IV and Minnesota State Grant funds is determined according to the portion of the Title IV and Minnesota State Grant aid that could have been directly disbursed to the student once institutional charges were covered. Return of Non-Title IV Funds Distribution Policy The return of Non-Title IV funds will be distributed in the following order: 1. Minnesota State Grant 2. Post-secondary Child Care Grant 3. Safety Officers Survivor Grant 4. Self-Loan 5. Minnesota Indian Grant 6. Minnesota GI Bill 7. Student 13

14 Duluth Business University OFFICERS James R. Gessner President B.S. University of Wisconsin Terry L. Myhre - Vice President and Treasurer B.S University of Minnesota-Twin Cities Bonnie L. Kupczynski Secretary Certificate, Duluth Business University ADMINISTRATION Bonnie L. Kupczynski - Campus Director Certificate, Duluth Business University David R. Lutzka - Associate Director M.B.A., Minnesota School of Business B.B.A, University of Minnesota Duluth Lynne S. Northey - Administrative Assistant B.A.A, University of Minnesota Duluth Gloria G. Coole - Financial Aid Advisor Diploma, Duluth Business University Dennis H. Backscheider - Staff Accountant B.S. University of Baltimore Rachel Bennett - Educational Recruiter B.A., Northwestern College, St. Paul Teri Linder Senior Educational Recruiter STUDENT & FACULTY SUPPORT Dr. Deserie Bremer - Veterinary Technology Program Department Head D.V.M., Purdue University Vicki Davis Interim Allied Health Programs Department Head B.S., University of Northern Iowa A.A.S., Hawkeye Community College A.A.S., Duluth Business University Renee Ford - Human Services Program Department Head Ph.D., Walden University M.S.E., University of Wisconsin-Superior B.A.S., University of Minnesota-Duluth Stephanie Rolland - Business Programs Department Head M.B.A., Minnesota School of Business B.S., University of Wisconsin-Superior Sheri Bergeron, M.D. - Medical Assistant Program Advisor FACULTY Mary Aylward, RHIT, Medical Billing and Coding A.A., Chippewa Valley Technical College Bethany Anderson. CVT, Veterinary Technology A.A.S., Duluth Business University Diploma, WITC, Superior WI Dr. Deserie Bremer, Veterinary Technology. STUDENT & FACULTY SUPPORT Joyce Peterson Librarian M.A., University of Wisconsin-Madison B.A., University of Minnesota-Duluth Wendy Bergfalk - Student Academics Coordinator Diploma, Brainerd Area Vocational Ann Brascugli Sertich - Online Learning Manager M.Ed., University of Minnesota-Duluth B.A.S., University of Minnesota-Duluth A.A.S., Duluth Technical College David Cook - Career Services Manager M.B.A., Minnesota School of Business B.A., College of St. Scholastica D.V.M., Purdue University Jarrod Dahl, General B.A., University of Minnesota-Duluth Lori Davey, Business B.A., College of St. Scholastica Diploma, Lake Superior College Vicki Davis, MLT (ASCP), CHI, Medical Assistant B.S., University of Northern Iowa A.A.S., Hawkeye Community College A.A.S., Duluth Business University Trevor Elg, Veterinary Technology. A.A.S., Duluth Business University Renee Ford, Human Services M.S.E., University of Wisconsin-Superior B.A.S., University of Minnesota-Duluth 14

15 General Catalog 2015 FACULTY Carl Freund, Communications M.Ed., St. Mary s University B.S., Union College Kathy Giese, CMA, CHI, Medical Assistant Wendy Grethen, General Education M.S., University of Illinois B.S., University of Illinois Marlene Hart, LMSW, Human Services M.S.W., University of Minnesota-Duluth B.S., University of Wisconsin-Superior A.A.S., Cochise College Denise Harting NCBTMB, LMSW, Human Services A.A.S., Duluth Business University Sr. Roselind Gefre School of Massage Richard Hughes, General Education M.E., University of Montana-Missoula B.A., University of Montana-Missoula Ed. Specialist, University of South Dakota Robert E. Kelley, Humanities M.Ed., University of Minnesota-Duluth B.A., University of Minnesota-Duluth Laura Langevin, Paralegal Business J.D., William Mitchell College of Law B.S., College of St. Catherine Joyce Peterson, General Education M.A., University of Wisconsin-Madison B.A., University of Minnesota-Duluth Stephanie Rolland, Business M.B.A., Minnesota School of Business B.S., University of Wisconsin-Superior Wade Roseth, CSP, CIH, General Education M.A., College of St. Scholastica M.I.S., University of Minnesota-Duluth B.S., University of Minnesota-Duluth B.A., University of Minnesota-Duluth Scott Scheirbeck, General Educaion M.A., Minnesota State University, Mankato B.F.A., Minnesota State University, Mankato Terri Sebens, CPC, Medical Billing & Coding Ann Brascugli Sertich, Computer Science, Student Support M.Ed., University of Minnesota-Duluth B.A.S., University of Minnesota-Duluth A.A.S., Duluth Technical College Erin Stepan, CVT, Veterinary Technology A.A.S., Duluth Business University Shelley M. Wingness, Office Support B.S., University of Wisconsin Superior Dr. Jeffery S. Larkin, Business D.M., University of Phoenix M.A., University of Wisconsin-Superior B.S., University of Wisconsin-Superior Janice Beth Lynn, CVT, Veterinary Technology. B.A., Northland College A.S., Tri-County Technical College David Pessenda, Business M.A., College of St. Scholastica B.A., College of St. Scholastica Jon Peterson, Business B.S., University of North Dakota 15

16 Duluth Business University CALENDAR 2014 Spring Quarter 2015 (11 Weeks) Classes begin...march 30 Quarter ends... June 10 Graduation... June 11 Holidays Good Friday (College and office closed)... April 3 Memorial Day (College and office closed)... May 25 Independence Day (College and office closed)... July 3 Quarter break (College & office open M-Th 7:30 a.m. 4:30 p.m., Friday 7:30 a.m. 3:00 p.m.) June 11 July 12 Summer Quarter 2015 (11 Weeks) Classes begin... July 13 Quarter ends... September 23 Graduation... September 24 Holidays Labor Day (College and office closed)... September 7 Quarter break (College & office open M-Th 7:30 a.m. 4:30 p.m., Friday 7:30 a.m. 3:00 p.m.) September 25 October 5 Fall Quarter 2015 (11 Weeks) Classes begin... October 5 Quarter ends... December 16 Graduation... December 17 Holidays Thanksgiving (College and office closed)... November Christmas (College and office closed)... December 24 (noon) December 25 News Year (College and office closed)...january 1 Quarter break (College & office open M-Th 7:30 a.m. 4:30 p.m., Friday 7:30 a.m. 3:00 p.m.) Dec 21 Jan 4 16

17 General Catalog 2015 GENERAL EDUCATION CLASSES ASSOCIATE IN APPLIED SCIENCE DEGREE To attain the A.A.S. degree, students are required to earn 30 general education credits from the following list of courses. A minimum of four credits must be earned in each of the four categories. Remaining credits may be earned in categories of the student s choice. BACHELOR OF SCIENCE DEGREE To attain a baccalaureate degree, students must be well grounded in the liberal arts. Students pursuing a B.S. degree in Business Management are required to earn a minimum of fifty-five (55) credits from the four liberal arts disciplines listed below, and students pursuing a B.S. degree in Health Care Management and Human Services are required to earn a minimum of 54 credits. A minimum of six credits must be earned within each discipline. Students must take a minimum of thirty percent of the total credits for the program at the 300 course level. COMPOSITION CM111 Speech Communications... 4 CM121 Composition*... 4 CM200 Intercultural Communications... 4 CM210 Creative Writing... 4 CM301 Art of Persuasion... 4 GEN101 College Composition*... 5 GEN109 Expository Writing... 5 GEN120 Research Methods... 5 GEN121 Principles of Public Speaking... 5 GEN123 The Memoir... 2 *Either CM121 or GEN101 must be completed by B.S. in Business Management or Health Care Management students. Students may not take both CM121 and GEN101. HUMANITIES GEN102 Introduction to Literature... 5 GEN103 Interdisciplinary Humanities... 5 GEN111 Survey of Western Music... 5 GEN113 Survey of Art of the Western World... 5 GEN116 Science Fiction... 5 GEN122 On Location: The Mystery Novel... 2 HU100 Introduction to Humanities... 4 HU121+ Film in Society... 4 HU122+ Film in Western Life... 5 HU130 Spanish I... 4 HU230 Spanish II... 4 HU150 Introduction to Literature... 4 HU200 Art in the Modern World... 4 HU310 The Novel... 4 HU315 World Literature Note: Students may not take both HU121 and HU122. SOCIAL BEHAVIOR/SCIENCE GEN106 Contemporary Social Problems... 5 GEN108 Introduction to Psychology... 5 GEN114 Introduction to Archaeology... 5 GEN117 Adult Development & Aging... 5 PSY126 Child & Adolescent Development... 5 PSY222+ Interpersonal Relations... 5 PSY223 Abnormal Psychology... 5 SS103 Global Citizenship

18 Duluth Business University SOCIAL BEHAVIOR/SCIENCE CONT SS116 Introduction to Psychology... 4 SS130 Law in Society... 4 SS140+ Interpersonal Relations... 4 SS145 Introduction to Macroeconomics... 4 SS200 Introduction to Microeconomics... 4 SS205 Sociology... 4 SS210 Developmental Psychology... 4 SS311 Human Behavior... 4 SS331 International Economics... 4 SS360 Abnormal Psychology Note: Students may not take both PSY222 and SS140. NATURAL SCIENCE/MATHEMATICS BIO124 Principles of Biology I... 5 BIO224 Principles of Biology II CHM125 General Chemistry I... 5 CHM127 Organic Chemistry... 5 CHM226 General Chemistry II... 5 CHM228 Organic Chemistry II... 5 GEN104 Humans in their Biological Environment GEN107 Chemistry in Our World... 5 GEN110 College Algebra... 5 GEN115 Environmental Science... 5 NS112 Topics in Mathematical Reasoning... 4 NS116 College Algebra I... 4 NS121 Earth Science... 4 NS135 Microbiology... 4 NS140 Anatomy & Physiology I... 4 NS150 Anatomy & Physiology II... 4 NS216 College Algebra II... 4 NS301 Statistics I... 5 NS350 Statistics II... 5 Please refer to program layout pages, as some classes listed as General Education classes may be requirements in specific programs. The above listing is for all General Education classes offered at DBU. 18

19 General Catalog 2015 BUSINESS MANAGEMENT (Online) Bachelor of Science Degree 181 credits Objectives The overall objective of the Bachelor of Science in Business Management starts with an in-depth training for individuals seeking employment in the field of business, introducing students to the process of management, including the planning, organizing, directing, and controlling functions of running a business. Career Opportunities Graduates will pursue career opportunities in emphasis areas with an ability to provide leadership in their areas of expertise. Graduates may seek employment as department managers, budget analysts, payroll processors, marketing managers, advertising specialists, or personal financial advisors. Please be aware that these are only some of the opportunities that may be available to qualified graduates. A consortium agreement with Globe University/Minnesota School of Business allows students to continue toward an M.B.A or M.S. in Management program with transfer of relevant credits. Core Requirements... Total Credits: 77 Class # Class Name... Credits AC110 Accounting Principles I... 4 AC150 Accounting Principles II... 4 AC160 Managerial Accounting... 4 BS100 Business Mathematics... 4 BS110 Business Communications... 4 BS150 Business Writing... 4 CL111 Computer Info Systems... 3 CL131 MS Office Professional I... 3 CL256 MS Office Professional II... 3 MG100 Introduction to Business... 5 MG110 Supervisory Management... 4 MG150 Business Law... 5 MG220 Small Business Management... 4 MG310 Human Resource Management... 4 MG320 Operations Management... 4 MG340 Leadership Management... 4 MG430 Business Ethics... 4 MG475 Capstone: Business Management... 4 MK150 Marketing... 4 PDV002 Job Readiness... 2 Areas of Emphasis... Total Credits: 49 Finance Full time (Fast Track): 12 quarters (12-15 credits/quarter) Three-quarters time: 17 quarters (9-11 credits/quarter) Half time: 22 quarters (6-8 credits/quarter) AC120 Payroll Accounting... 3 MG300 Finance... 4 MG350 Business Analysis Techniques... 4 MG375 Managerial Economics... 4 MG380 Strategic Investment and Portfolio Management... 4 MG400 Corporate Finance... 4 MG420 Investments... 4 MG450 Derivatives... 4 NS301* Statistics... 5 NS116* College Algebra I

20 20 Duluth Business University SS103* Global Citizenship... 2 SS145* Intro to Macroeconomics... 4 SS200* Microeconomics... 4 SS331* International Economics... 4 Business Electives Human Resource Management Full time (Fast Track): 12 quarters (12-15 credits/quarter) Three-quarters time: 17 quarters (9-11 credits/quarter) Half time: 23 quarters (6-8 credits/quarter) BS311 Organizational Behavior... 4 CM200* Intercultural Communications... 4 CM301* Art of Persuasion... 4 HR310 Workplace Legal Issues: Employment Law... 4 HR320 Workplace Diversity Issues... 4 HR330 Compensation Issues... 4 HR350 Recruitment and Retention... 4 HR400 Training and Development... 4 HR440 Change Management... 4 SS103* Global Citizenship... 2 Business Electives Marketing Full time (Fast Track): 12 quarters (12-15 credits/quarter) Three-quarters time: 17 quarters (9-11 credits/quarter) Half time: 23 quarters (6-8 credits/quarter) MG300 Finance... 4 MG330 Marketing Strategy... 4 MG440 Entrepreneurship... 4 MK200 Advertising/Promotion... 3 MK210 Consumer Behavior... 4 MK220 Sales Management... 3 MK320 Internet Marketing... 4 MK405 Marketing Research... 4 SS103* Global Citizenship... 2 Business Electives *Required liberal arts in that emphasis Total Liberal Arts Minimum Requirements Total Core Requirements Total Emphasis Requirements Total Credit Requirement ** **Final credits may exceed 181 credits depending on emphasis and electives selected. Notes: 1. Students are required to complete 30% of the program at the 300/400 level; this percentage includes both the specialization and General Education total credit requirements. 2. Students may be required to take COM001 or MTH001 based on entrance exam scores and/or skill placement evaluations. 3. Students who have taken equivalent courses at DBU under the previous course name and numbering system will be allowed to have those courses transferred into this program. 4. AC209 Basic Automated Accounting and KY100 Keyboarding I from the Business Administration program may be applied as electives in the Business Management program. 5. Students who took classes in the previous Business Administration program may, in addition, apply SS105 Principles of Economics, COM103 Oral Communications, and ACC103 Financial Accounting III as electives in the Business Management program.

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