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MONEY MATTERS Bulletin | Fall 2014

The financial requirements of the University, changing costs, state and legislative action, and other matters may require an adjustment of charges and expenses.  The University reserves the right to make such changes at any time.  The applicant acknowledges this by submitting application for admission or registering.

For a full list of tuition and fees, please see the current course guide or visit our website provided above.  Students may access an up-to-date status of their student account at any time via MaineStreet:

https://mainestreet.maine.edu/.

Fall 2014 registration for degree students begins on March 24, 2014 and open registration for non-degree students begins March 27, 2014.  The term due date for the Fall 2014 term is August 15, 2014.  Beginning on August 14, 2014, payment is due when registering.

Multi-Campus Students:  Tuition, fees and other educational costs are approved annually for e    ach of the seven campuses of the University of Maine System by the Board of Trustees.  UMA students enrolled in classes offered by other University of Maine campuses should consult that campus for information pertaining to billing and refund policies, amounts, and dates.

Payment:  Students may pay in full or spread their (remaining) costs over the fall months by enrolling in a 4-installment payment plan.  The 1st installment, including the $30 payment plan fee, is due at the time of registration. Cash, checks, MasterCard, Visa, and Discover are accepted; credit card payments for remaining payment plan installments may be made online via Mainestreet.

Students are ultimately solely responsible for their account balances and are encouraged to apply for aid or submit third party authorizations in a timely fashion.  Balances not paid by due dates--whether intended to be paid by the student, external sources, or financial aid--will incur a late fee.  A student’s current registration may be cancelled or prohibited in future terms for accounts that are not satisfied.  Unpaid accounts may be referred for collection and additional fees charged.  The University participates in the State of Maine’s Tax Refund Set-Off Program, which may deduct balances due the University from student’s future Maine income tax returns.

Financial Aid:  Financial aid-in-progress, or anticipated aid, will display within Mainestreet.  Although anticipated aid is considered to reduce the student’s overall account balance, the funds will not be transferred to cover charges unless all requirements are met as stipulated by the Financial Aid Office.  Loans will only display as anticipated once you have accepted the loan offer on Mainestreet.

Awarded financial aid is transferred to the student’s account within 10 days from the start of the term.  Any excess aid (financial aid less charges) will be mailed to the student in order that they may have their refund check prior to the opening day of campus classes.  After the opening day of campus classes, excess financial aid refund checks will generally be issued weekly.

IMPORTANT FACT:  In accordance with Federal regulations, financial assistance may be adjusted for aid recipients that reduce credit hours or withdraw during the semester.  A portion of his or her financial aid will be refunded to the Title IV programs as required by the U.S. Department of Education.  Such financial aid calculations due to changes in enrolled credit hours from credit hours used in the calculation of aid award may result in the student owing a balance to the University.

Employer or Agency Payment: The University will accept an unconditional guarantee of direct payment from an employer, federal or state agency, or the military.  The Third Party Authorization Form (http://www.uma.edu/thirdparty.html) is submitted to the Student Accounts Office at the time of registration and must specify what charges and amounts are covered.  The student is expected to have arrangements in place to pay uncovered charges at the time of registration, and remains responsible for all costs if the third party organization does not pay.

 

Veterans: If you are an honorably discharged Veteran being charged the out-of-state tuition rate, you may qualify for the in-state tuition rate, regardless of the era served. If you believe that you may qualify for the reduced tuition rate, please supply the University of Maine at Augusta with either your current military ID or your last DD-214. The documents maybe be sent to:

University of Maine at Augusta

Student Financial Services Department

46 University Dr.

Augusta, ME 04330

 

Payment Plan: Students may choose a 4-installment payment plan option to spread expenses into monthly, interest-free payments.  Students who choose a payment plan will be charged a one-time $30 non-refundable fee. 

4 Pay Plan Due Dates:

1/4 (+30 set up fee) due upon plan registration (or by 08/15/14)

1/4 due 09/15/2014

1/4 due 10/15/2014

1/4 due 11/15/2014

No adjustments are generated and all charges remain due for courses dropped beyond the two-week add/drop period.  Should a student withdraw entirely, adjustments to charges are as follows: 

Students enrolled in a UMA degree program that select the 4-installment payment plan may combine their account balances from other University of Maine campuses in their installment calculations.  Students not enrolled in a degree program at any of the University of Maine system campuses may also combine their course account balances into a single UMA payment plan.     

ADD/DROP and WITHDRAWAL POLICIES:

 

***Prior to dropping or withdrawing from courses, financial aid recipients should be aware of the possible impact on their aid package – please consult Student Financials for more information***

For purposes of calculating tuition adjustments, dropping courses is defined as a reduction in course load while remaining enrolled in the University (the student drops one or more courses, but not all courses).

Withdrawal is defined as students who give official communication to Enrollment Services of their withdrawal to the University after a semester/session begins.  (The student is withdrawing from ALL classes and is leaving the University.)

For classes 11 weeks or longer, students have two weeks from the starting date of the session to drop or withdraw and receive a full reversal of tuition and fee charges.

Tuition & Fee(CLASSES 11 WEEKS OR LONGER STARTING 09/02/14)     

Withdrawal/Drop on or before

09/15/2014

100%

Withdrawal on or before

09/29/2014

75%

Withdrawal on or before

10/13/2014

50%

Withdrawal on or before

10/27/2014

25%

Withdrawal on/after

10/28/2014

0%

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

MONEY MATTERS Bulletin | Summer 2014

The financial requirements of the University, changing costs, state and legislative action, and other matters may require an adjustment of charges and expenses.  The University reserves the right to make such changes at any time.  The applicant acknowledges this by submitting application for admission or registering.

For a full list of tuition and fees, please see the current course guide or visit our website provided above.  Students may access an up-to-date status of their student account at any time via MaineStreet:

https://mainestreet.maine.edu/.

Summer 2014 registration for degree students begins on March 24, 2014 and open registration for non-degree students begins March 27, 2014.  The term due date for the Summer 2014 term is May 4, 2014.  Beginning on May 5, 2014, payment is due when registering.

Multi-Campus Students:  Tuition, fees and other educational costs are approved annually for each of the seven campuses of the University of Maine System by the Board of Trustees.  UMA students enrolled in classes offered by other University of Maine campuses should consult that campus for information pertaining to billing and refund policies, amounts, and dates.

Payment:  Students may pay in full or spread their (remaining) costs over the summer months by enrolling in a 3-installment payment plan.  The 1st installment, including the $30 payment plan fee, is due by May 5th, 2014! Cash, checks, MasterCard, Visa, and Discover are accepted; credit card payments for remaining payment plan installments may be made online via Mainestreet.

Students are ultimately solely responsible for their account balances and are encouraged to apply for aid or submit third party authorizations in a timely fashion.  Balances not paid by due dates--whether intended to be paid by the student, external sources, or financial aid--will incur a late fee.  A student’s current registration may be cancelled or prohibited in future terms for accounts that are not satisfied.  Unpaid accounts may be referred for collection and additional fees charged.  The University participates in the State of Maine’s Tax Refund Set-Off Program, which may deduct balances due the University from student’s future Maine income tax returns.

Financial Aid:  Financial aid-in-progress, or anticipated aid, will display within Mainestreet.  Although anticipated aid is considered to reduce the student’s overall account balance, the funds will not be transferred to cover charges unless all requirements are met as stipulated by the Financial Aid Office.  Loans will only display as anticipated once you have accepted the loan offer on Mainestreet.

Awarded financial aid is transferred to the student’s account within 10 days from the start of the term.  Any excess aid (financial aid less charges) will be mailed to the student in order that they may have their refund check prior to the opening day of campus classes.  After the opening day of campus classes, excess financial aid refund checks will generally be issued weekly.

Employer or Agency Payment: The University will accept an unconditional guarantee of direct payment from an employer, federal or state agency, or the military.  The Third Party Authorization Form (http://www.uma.edu/moneymatters.html) is submitted to the Student Accounts Office at the time of registration and must specify what charges and amounts are covered.  The student is expected to have arrangements in place to pay uncovered charges at the time of registration, and remains responsible for all costs if the third party organization does not pay.

Veterans: If you are an honorably discharged Veteran being charged the out-of-state tuition rate, you may qualify for the in-state tuition rate, regardless of the era served. If you believe that you may qualify for the reduced tuition rate, please supply the University of Maine at Augusta with either your current military ID or your last DD-214. The documents maybe be sent to:

University of Maine at Augusta

Student Financial Services Department

46 University Dr.

Augusta, ME 04330

Payment Plan: Students may choose a 3-installment payment plan option to spread expenses into monthly, interest-free payments.  Students who choose a payment plan will be charged a one-time $30 non-refundable fee.

     

3 Pay Plan Due Dates:

1/3 (+30 set up fee) due upon plan registration (or by 05/05/14)

1/3 due 06/05/2014

1/3 due 07/05/2014

                                                                    

Students enrolled in a UMA degree program that select the 3-installment payment plan may combine their account balances from other University of Maine campuses in their installment calculations.  Students not enrolled in a degree program at any of the University of Maine system campuses may also combine their course account balances into a single UMA payment plan.     

ADD/DROP and WITHDRAWAL POLICIES:

For purposes of calculating tuition adjustments, dropping courses is defined as a reduction in course load while remaining enrolled in the University (the student drops one or more courses, but not all courses).

Withdrawal is defined as students who give official communication to Enrollment Services of their withdrawal to the University after a semester/session begins.  (The student is withdrawing from ALL classes and is leaving the University.)

For classes 11 weeks or longer, students have two weeks from the starting date of the session to drop or withdraw and receive a full reversal of tuition and fee charges.

No adjustments are generated and all charges remain due for courses dropped beyond the two-week add/drop period.  Should a student withdraw entirely, adjustments to charges are as follows: 

 

Tuition & Fee(CLASSES 11 WEEKS OR LONGER STARTING 5/19/14)     

Withdrawal/Drop on or before

06/01/2014

100%

Withdrawal on or before

06/15/2014

75%

Withdrawal on or before

06/29/2014

50%

Withdrawal on or before

07/13/2014

25%

Withdrawal on/after

07/14/2014

0%

For the two seven week sessions, refunds for drops or withdrawals are calculated as follows:

7 Week Session 1

(CLASSES 7 WEEKS OR LONGER STARTING 05/19/14)     
Withdrawal/Drop on or before 05/25/2014 100%
Withdrawal/Drop on/after 05/26/2014 0%

 

7 Week Session 2

(CLASSES 7 WEEKS OR LONGER STARTING 070/7/14)     
Withdrawal/Drop on or before 07/13/2014 100%
Withdrawal/Drop on/after 07/14/2014 0%

***Please contact the Student Financials Department for drop/withdrawal dates for dynamic session or 15-week courses***

IMPORTANT FACT:  In accordance with Federal regulations, financial assistance may be adjusted for aid recipients that reduce credit hours, withdraw during the semester, or do not academically complete the semester.  A portion of his or her financial aid will be refunded to the Title IV programs as required by the U.S. Department of Education.  Such financial aid calculations due to changes in enrolled credit hours from credit hours used in the calculation of aid award may result in the student owing a balance to the University.

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

MONEY MATTERS Bulletin | Spring 2014

The financial requirements of the University, changing costs, state and legislative action, and other matters may require an adjustment of charges and expenses.  The University reserves the right to make such changes at any time.  The applicant acknowledges this by submitting application for admission or registering.

For a full list of tuition and fees, please see the current course guide or visit our website provided above.  Students may access an up-to-date status of their student account at any time via MaineStreet:

https://mainestreet.maine.edu/.

Spring 2014 registration for degree students begins on November 4, 2013, and open registration for non-degree students begins November 12, 2013.  The term due date for the Spring 2014 term is January 5, 2014.  Beginning on January 4, 2014 payment is due when registering.

Multi-Campus Students:  Tuition, fees and other educational costs are approved annually for each of the seven campuses of the University of Maine System by the Board of Trustees.  UMA students enrolled in classes offered by other University of Maine campuses should consult that campus for information pertaining to billing and refund policies, amounts, and dates.

Payment:  Students may pay in full or spread their (remaining) costs over the spring months by enrolling in a 4-installment payment plan.  The 1st installment, including the $30 payment plan fee, is due at the time of registration.  Cash, checks, MasterCard, Visa, and Discover are accepted; credit card payments for remaining payment plan installments may be made online via Mainestreet.

Students are ultimately solely responsible for their account balances and are encouraged to apply for aid or submit third party authorizations in a timely fashion.  Balances not paid by due dates--whether intended to be paid by the student, external sources, or financial aid--will incur a late fee.  A student’s current registration may be cancelled or prohibited in future terms for accounts that are not satisfied.  Unpaid accounts may be referred for collection and additional fees charged.  The University participates in the State of Maine’s Tax Refund Set-Off Program, which may deduct balances due the University from student’s future Maine income tax returns.

Financial Aid:  Financial aid-in-progress, or anticipated aid, will display within Mainestreet.  Although anticipated aid is considered to reduce the student’s overall account balance, the funds will not be transferred to cover charges unless all requirements are met as stipulated by Student Financial Services.  Loans will only display as anticipated once you have accepted the loan offer on Mainestreet.

Awarded financial aid is applied to the student’s account within 10 days from the start of the term as long as all supporting documents are complete.  Any excess aid (financial aid less charges) will be mailed as a check (unless the student has enrolled in direct deposit) so that they may have their refund check prior to the opening day of campus classes. (*Students who have not borrowed loans at UMA during the fall 2013 term, or first-time loan borrowers should contact Student Financial Services as their refunds will be delayed due to federal regulations).  After the opening day of campus classes, excess financial aid refund checks will generally be issued weekly.

IMPORTANT FACT:  In accordance with Federal regulations, financial assistance may be adjusted for aid recipients that reduce credit hours or withdraw during the semester.  A portion of his or her financial aid will be refunded to the Title IV programs as required by the U.S. Department of Education.  Such financial aid calculations, due to changes in enrolled credit hours from credit hours used in the calculation of aid award, may result in the student owing a balance to the University.

Employer or Agency Payment: The University will accept an unconditional guarantee of direct payment from an employer, federal or state agency, or the military.  The Third Party Authorization Form (http://www.uma.edu/thirdparty.html) is submitted to Student Financial Services at the time of registration and must specify what charges and amounts are covered.  The student is expected to have arrangements in place to pay uncovered charges at the time of registration, and remains responsible for all costs if the third party organization does not pay.

Payment Plan: Students may choose a 4-installment payment plan option to spread expenses into monthly, interest-free payments.  Students who choose a payment plan will be charged a one-time $30 non-refundable fee. 

                                         

4 Pay Plan Due Dates:

1/4 due upon plan registration (+30 set up fee)            

1/4 due 02/05/2014

1/4 due 03/05/2014

1/4 due 04/05/2014

Students enrolled in a UMA degree program that select the 4-installment payment plan may combine their account balances from other University of Maine campuses in their installment calculations.  Students not enrolled in a degree program at any of the University of Maine system campuses may also combine their course account balances into a single UMA payment plan.     

 

ADD/DROP and WITHDRAWAL POLICIES:

 

***Prior to dropping or withdrawing from courses, financial aid recipients should be aware of the possible impact on their aid package – please consult Student Financials for more information***

For purposes of calculating tuition adjustments, dropping courses is defined as a reduction in course load while remaining enrolled in the University (the student drops one or more courses, but not all courses).

 

Withdrawal is defined as students who give official communication to Enrollment Services of their withdrawal to the University after a semester/session begins.  (The student is withdrawing from ALL classes and is leaving the University.)

For determining the length of class, it is defined as beginning with the start date posted for the individual class and ending on the stop date posted for the class.  Changes in scheduled classes (beginning or ending) by the instructor are not considered when calculating adjustments to charges.

For classes 12 weeks or longer, students have 14 days from the starting date of the class to drop or withdraw and receive a full reversal of tuition and fee charges.

For classes 11 weeks or less in length, the following schedule applies:

         

For classes 11 weeks or less, refunds for withdrawals are calculated as follows:

11 weeks in length:

100% prior to end of the eleventh day

(11 days)

10 weeks in length: 

100% prior to end of the tenth day

(10 days)

 9 weeks in length: 

100% prior to end of the ninth day

(9 days)

 8 weeks in length:

100% prior to end of the eightth day

(8 days)

 7 weeks in length:

100% prior to end of the seventh day

(7 days)

 6 weeks in length:

100% prior to end of the sixth day

(6 days)

 5 weeks in length:

100% prior to end of the fifth day

(5 days)

 4 weeks in length:

100% prior to end of the fourth day

(4 days)

 3 weeks in length:

100% prior to end of the third day

(3 days)

 2 weeks in length:

100% prior to end of the second day

(2 days)

 1 week in length:

100% prior to end of the first day

(1 days)

No adjustments are generated and all charges remain due for courses dropped beyond the above mentioned add/drop period.  Should a student withdraw entirely, adjustments to charges are as follows:

Withdrawal from classes 12 weeks or more in length:
100% prior to the end of the second week (14 days)
75% prior to the end of the fourth week (28 days)
50% prior to the end of the sixth week (42 days)
25% prior to the end of the eighth week (56 days)
0% after the eighth week (57 days)

 

For classes 11 weeks or less, refunds for withdrawals are calculated as follows:

For classes 11 weeks or less, refunds for withdrawals are calculated as follows:

11 weeks in length: 100% prior to end of the eleventh day (11 days)
10 weeks in length:  100% prior to end of the tenth day (10 days)
 9 weeks in length:  100% prior to end of the ninth day (9 days)
 8 weeks in length: 100% prior to end of the eightth day (8 days)
 7 weeks in length: 100% prior to end of the seventh day (7 days)
 6 weeks in length: 100% prior to end of the sixth day (6 days)
 5 weeks in length: 100% prior to end of the fifth day (5 days)
 4 weeks in length: 100% prior to end of the fourth day (4 days)
 3 weeks in length: 100% prior to end of the third day (3 days)
 2 weeks in length: 100% prior to end of the second day (2 days)
 1 week in length: 100% prior to end of the first day (1 days)

*** No additional adjustments to tuition and fees are authorized on classes 11 weeks or less when the withdrawal occurs after the schedule listed above.***

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

 

MONEY MATTERS Bulletin | Fall 2013

The financial requirements of the University, changing costs, state and legislative action, and other matters may require an adjustment of charges and expenses.  The University reserves the right to make such changes at any time.  The applicant acknowledges this by submitting application for admission or registering.

For a full list of tuition and fees, please see the current course guide or visit our website provided above.  Students may access an up-to-date status of their student account at any time via MaineStreet:

https://mainestreet.maine.edu/.

Fall registration for degree students begins on March 27,2013 and open registration for non-degree students begins April 1, 2013. 

Multi-Campus Students:  Tuition, fees and other educational costs are approved annually for each of the seven campuses of the University of Maine System by the Board of Trustees. UMA students enrolled in classes offered by other University of Maine campuses should consult that campus for information pertaining to billing and refund policies, amounts, and dates.

Payment:  Students may pay in full or spread their (remaining) costs over the fall months by enrolling in a 4-installment payment plan.  The 1st installment, including the $30 payment plan fee, is due at the time of plan registration!  Cash, checks, MasterCard, Visa, and Discover are accepted; credit card payments for remaining payment plan installments may be made online via Mainestreet.

Students are ultimately solely responsible for their account balances and are encouraged to apply for aid or submit third party authorizations in a timely fashion.  Balances not paid by due dates--whether intended to be paid by the student, external sources, or financial aid--will incur a late fee. Students who wish to appeal the assessed late fee must complete a Late Fee Reversal Appeal.   A student’s current registration may be cancelled or prohibited in future terms for accounts that are not satisfied.  Unpaid accounts may be referred for collection and additional fees charged.  The University participates in the State of Maine’s Tax Refund Set-Off Program, which may deduct balances due the University from student’s future Maine income tax returns.

Financial Aid:  Financial aid-in-progress, or anticipated aid, will display within Mainestreet.  Although anticipated aid is considered to reduce the student’s overall account balance, the funds will not be transferred to cover charges unless all requirements are met as stipulated by the Financial Aid Office.  Loans will only display as anticipated once you have accepted the loan offer on Mainestreet.

Awarded financial aid is transferred to the student’s account within 10 days from the start of the term.  Any excess aid (financial aid less charges) will be mailed to the student in order that they may have their refund check prior to the opening day of campus classes.  After the opening day of campus classes, excess financial aid refund checks will generally be issued weekly.

Employer or Agency Payment: The University will accept an unconditional guarantee of direct payment from an employer, federal or state agency, or the military.  The Third Party Authorization Form (http://www.uma.edu/moneymatters.html) is submitted to the Student Accounts Office at the time of registration and must specify what charges and amounts are covered.  The student is expected to have arrangements in place to pay uncovered charges at the time of registration, and remains responsible for all costs if the third party organization does not pay.

Payment Plan: Students may choose a 4-installment payment plan option to spread expenses into monthly, interest-free payments.  Students who choose a payment plan will be charged a one-time $30 non-refundable fee.                                   

4 Pay Plan Due Dates:

1/4 due upon plan registration (+30 set up fee)            

1/4 due 09/15/13

1/4 due 10/15/13

1/4 due 11/15/13

Students enrolled in a UMA degree program that select the 4-installment payment plan may combine their account balances from other University of Maine campuses in their installment calculations.  Students not enrolled in a degree program at any of the University of Maine system campuses may also combine their course account balances into a single UMA payment plan.     

ADD/DROP and WITHDRAWAL POLICIES:

***Prior to dropping or withdrawing from courses, financial aid recipients should be aware of the possible impact on their aid package – please consult Student Financials for more information***

For purposes of calculating tuition adjustments, dropping courses is defined as a reduction in course load while remaining enrolled in the University (the student drops one or more courses, but not all courses).

Withdrawal is defined as students who give official communication to Enrollment Services of their withdrawal to the University after a semester/session begins.  (The student is withdrawing from ALL classes and is leaving the University.)

 

For determining the Length of Class, it is defined as beginning with the start date posted for the individual class and ending on the stop date posted for the class.  Changes in scheduled classes (beginning or ending) by the instructor are not considered when calculating adjustments to charges.

 

For classes 12 weeks or longer, students have 14 days from the starting date of the class to drop or withdraw and receive a full reversal of tuition and fee charges.

For classes 11 weeks or less in length, the following schedule applies:
11 weeks in length 100% prior to end of the eleventh day (11 days)
10 weeks in length 100% prior to end of the tenth day (10 days)
9 weeks in length 100% prior to end of the ninth day (9 days)
8 weeks in length 100% prior to end of the eighth day (8 days)
7 weeks in length 100% prior to end of the seventh day (7 days)
6 weeks in length 100% prior to end of the sixth day (6 days)
5 weeks in length 100% prior to end of the fifth day (5 days)
4 weeks in length 100% prior to end of the fourth day (4 days)
3 weeks in length 100% prior to end of the third day (3 days)
2 weeks in length 100% prior to end of the second day (2 days)
1 week in length 100% prior to end of the first day (1 day)

No adjustments are generated and all charges remain due for courses dropped beyond the above mentioned add/drop period.  Should a student withdraw entirely, adjustments to charges are as follows:

Withdrawal from classes 12 weeks or more in length:
100% prior to the end of the second week (14 days)
75% prior to the end of the fourth week (28 days)
50% prior to the end of the sixth week (42 days)
25% prior to the end of the eighth week (56 days)
0% after the eighth week (57 days)

 

For classes 11 weeks or less, refunds for withdrawals are calculated as follows:

11 weeks in length: 100% prior to end of the eleventh day (11 days)
10 weeks in length:  100% prior to end of the tenth day (10 days)
 9 weeks in length:  100% prior to end of the ninth day (9 days)
 8 weeks in length: 100% prior to end of the eightth day (8 days)
 7 weeks in length: 100% prior to end of the seventh day (7 days)
 6 weeks in length: 100% prior to end of the sixth day (6 days)
 5 weeks in length: 100% prior to end of the fifth day (5 days)
 4 weeks in length: 100% prior to end of the fourth day (4 days)
 3 weeks in length: 100% prior to end of the third day (3 days)
 2 weeks in length: 100% prior to end of the second day (2 days)
 1 week in length: 100% prior to end of the first day (1 days)

*** No additional adjustments to tuition and fees are authorized on classes 11 weeks or less when the withdrawal occurs after the schedule listed above.***

IMPORTANT FACT:  In accordance with Federal regulations, financial assistance may be adjusted for aid recipients that reduce credit hours, withdraw during the semester, or do not academically complete the semester.  A portion of his or her financial aid will be refunded to the Title IV programs as required by the U.S. Department of Education.  Such financial aid calculations due to changes in enrolled credit hours from credit hours used in the calculation of aid award may result in the student owing a balance to the University.