1. Short title; table of contents (a) Short title This Act may be cited as the Protections and Regulation for Our Students Act or PRO Students Act . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Sec. 2. 85–15 revenue source requirement for proprietary institutions. Sec. 3. Definitions. Sec. 4. Restriction on marketing with Federal educational assistance funds. Sec. 5. Whistleblower protections for persons associated with institutions of higher education. Sec. 6. Establishment of complaint resolution and tracking system. Sec. 7. Improved determination of cohort default rates; publication of default prevention plan. Sec. 8. Amendments to terms and conditions of borrower defenses. Sec. 9. Improved student loan servicing and debt collection practices. Sec. 10. Improved disclosures, counseling, and financial assistance information for students. Sec. 11. Program participation agreements. Sec. 12. Improved disclosures for clinical training programs. Sec. 13. Civil penalties. Sec. 14. Requirements for accrediting agencies or associations. Sec. 15. Program review and data. Sec. 16. Consumer protections for students. 2. 85–15 revenue source requirement for proprietary institutions (a) Change from 90–10 to 85–15 Section 487(a)(24) of the Higher Education Act of 1965 ( 20 U.S.C. 1094(a)(24) ) is amended by striking ten percent and inserting 15 percent . (b) Revisions to accounting Section 487(d)(1) of the Higher Education Act of 1965 ( 20 U.S.C. 1094(d)(1) ) is amended— (1) in subparagraph (A), by striking accounting, and all that follows and inserting accounting; ; (2) in subparagraph (B), by striking clause (iii) and inserting the following new clause: (iii) a contractual arrangement with a Federal agency for the purpose of providing job training to low-income individuals who are in need of such training;